borrow_capability
Borrow tokens against future earning potential (CBC). Requires api_key.
This record as markdown: /tools/io-github-wirternow-agent-bank/borrow-capability.md
What borrow_capability does on Ai Agent Bank
AI agents use borrow_capability to commit financial operations through Ai Agent Bank, usually the final step of a payment, billing, or trading workflow. A call moves real money.
| Parameter | Type | Required | Description |
|---|---|---|---|
token | string | — | Token symbol (defaults to USDC) |
amount | number | Yes | Amount to borrow (must be within available credit) |
api_key | string | Yes | Your api_key from register_agent |
agent_id | string | Yes | UUID of the borrowing agent |
max_repayment_days | number | — | Max repayment period in days (default 90) |
Parameters from the server's own tool schema.
Why borrow_capability is rated Critical
This tool borrows tokens (a financial obligation) against future earnings, committing the agent to a financial liability. It directly creates debt/financial obligations, placing it firmly in the Financial category with critical severity due to the potential for significant monetary loss or debt accumulation if misused by an AI agent.
From the tool's definition Borrow tokens against future earning potential (CBC). Requires api_key.
Risk signalsHandles credentials or secrets (api_key)
Attacks that exploit this kind of access
The rule that runs borrow_capability safely
PolicyLayer is an MCP gateway: it sits between your AI agents and Ai Agent Bank, and checks every tool call against a rule you set before the call runs. Nothing changes on the server itself. For borrow_capability, this is the rule to start with:
Any call to borrow_capability is blocked until a human approves it. The rest of the server keeps working.
The button opens the PolicyLayer dashboard: create your workspace, connect Ai Agent Bank, apply this rule, and every borrow_capability call is checked against it from then on.
Questions about borrow_capability
Borrow tokens against future earning potential (CBC). Requires api_key. It is categorised as a Financial tool in the Ai Agent Bank MCP Server, which means it involves financial transactions. Block by default and require explicit approval.
borrow_capability accepts 5 parameters: token, amount, api_key, agent_id, max_repayment_days. Required: amount, api_key, agent_id. The full parameter table on this page comes from the server's own tool schema.
Register the Ai Agent Bank MCP server in PolicyLayer and add a rule for borrow_capability: allow, deny, rate-limit, or require approval. Point your MCP client at the PolicyLayer proxy URL and the rule is enforced on every call, before it reaches Ai Agent Bank. Nothing to install.
borrow_capability is a Financial tool with critical risk. Critical-risk tools should be blocked by default and only enabled with explicit human approval.
Yes. Add a rate_limit block to the borrow_capability rule in your PolicyLayer policy. For example, setting max: 10 and window: 60 limits the tool to 10 calls per minute. Rate limits are tracked per agent session and reset automatically.
Set action: deny in the PolicyLayer policy for borrow_capability. The AI agent will receive a policy violation error and cannot call the tool. You can also include a reason field to explain why the tool is blocked.
borrow_capability is provided by the Ai Agent Bank MCP server (https://tdueqhfxyojmjgactdyc.supabase.co/functions/v1/mcp-server). PolicyLayer sits as a proxy in front of this server to enforce policies before tool calls reach the server.
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