# format_credit_card

Format a credit card number with spaces.

Agent View of the PolicyLayer registry record for `format_credit_card`. HTML page: https://policylayer.com/tools/io-tinyfn-tinyfn/format-credit-card

## Facts

- Tool: `format_credit_card`
- Server: TinyFn (`https://api.tinyfn.io/mcp/all/`) — https://policylayer.com/tools/io-tinyfn-tinyfn.md
- Homepage: https://github.com/tinyfn-io/tinyfn-mcp
- Risk category: Read (Low risk)
- Registry record: grade F, identity unverified
- Server auth posture: open
- Server rate-limited: no
- Parameters: 1 (1 required)
- Recommended policy verdict: Allowed

## Parameters

| Parameter | Type | Required | Description |
| --- | --- | --- | --- |
| `number` | string | yes | Credit card number |

Parameters from the server's own tool schema.

## Example call (MCP tools/call, JSON-RPC 2.0)

```json
{
  "jsonrpc": "2.0",
  "id": 1,
  "method": "tools/call",
  "params": {
    "name": "format_credit_card",
    "arguments": {
      "number": "<number>"
    }
  }
}
```

## Why format_credit_card is rated Low

Formatting a credit card number (adding spaces for readability, e.g., 1234 5678 9012 3456) is a pure data transformation with no destructive, write, execute, or financial implications. It does not move money, execute code, modify state, or delete data. While credit card data is sensitive, the tool itself merely reformats existing numbers without creating obligations or executing transactions.

From the tool's own definition: "Tool name is 'format_credit_card' and description states it 'Format a credit card number with spaces.' This is a formatting/transformation operation that takes input and returns formatted output with no side effects, no data creation, modification, deletion,…"

## Use case

AI agents call format_credit_card to retrieve information from TinyFn without modifying anything. It is typically the context-gathering step in research, monitoring, and reporting workflows, before the agent takes action elsewhere.

## Recommended policy (PolicyLayer)

Verdict: **Allowed**. Enforced by the PolicyLayer MCP gateway (https://policylayer.com/mcp-gateway) before a call reaches TinyFn:

```json
{
  "version": "1",
  "default": "deny",
  "tools": {
    "format_credit_card": {}
  }
}
```

## Other tools on TinyFn (571)

- `array_compact` — Destructive — https://policylayer.com/tools/io-tinyfn-tinyfn/array-compact.md
- `array_dedupe` — Destructive — https://policylayer.com/tools/io-tinyfn-tinyfn/array-dedupe.md
- `truncate_2` — Destructive — https://policylayer.com/tools/io-tinyfn-tinyfn/truncate-2.md
- `generate_hmac` — Execute — https://policylayer.com/tools/io-tinyfn-tinyfn/generate-hmac.md
- `random_float_2` — Execute — https://policylayer.com/tools/io-tinyfn-tinyfn/random-float-2.md
- `random_string_2` — Execute — https://policylayer.com/tools/io-tinyfn-tinyfn/random-string-2.md
- `random_weighted_choice` — Execute — https://policylayer.com/tools/io-tinyfn-tinyfn/random-weighted-choice.md
- `roll_dice` — Execute — https://policylayer.com/tools/io-tinyfn-tinyfn/roll-dice.md
- `null` — Other — https://policylayer.com/tools/io-tinyfn-tinyfn/null.md
- `absolute_value` — Read — https://policylayer.com/tools/io-tinyfn-tinyfn/absolute-value.md
- `acres_to_hectares` — Read — https://policylayer.com/tools/io-tinyfn-tinyfn/acres-to-hectares.md
- `add` — Read — https://policylayer.com/tools/io-tinyfn-tinyfn/add.md
- `adler32_checksum` — Read — https://policylayer.com/tools/io-tinyfn-tinyfn/adler32-checksum.md
- `analogous_colors` — Read — https://policylayer.com/tools/io-tinyfn-tinyfn/analogous-colors.md
- `analyze_password` — Read — https://policylayer.com/tools/io-tinyfn-tinyfn/analyze-password.md
- `array_difference` — Read — https://policylayer.com/tools/io-tinyfn-tinyfn/array-difference.md
- `array_first` — Read — https://policylayer.com/tools/io-tinyfn-tinyfn/array-first.md
- `array_frequency` — Read — https://policylayer.com/tools/io-tinyfn-tinyfn/array-frequency.md
- `array_interleave` — Read — https://policylayer.com/tools/io-tinyfn-tinyfn/array-interleave.md
- `array_intersection` — Read — https://policylayer.com/tools/io-tinyfn-tinyfn/array-intersection.md
- `array_last` — Read — https://policylayer.com/tools/io-tinyfn-tinyfn/array-last.md
- `array_nth` — Read — https://policylayer.com/tools/io-tinyfn-tinyfn/array-nth.md
- `array_partition` — Read — https://policylayer.com/tools/io-tinyfn-tinyfn/array-partition.md
- `array_repeat` — Read — https://policylayer.com/tools/io-tinyfn-tinyfn/array-repeat.md
- `array_reverse` — Read — https://policylayer.com/tools/io-tinyfn-tinyfn/array-reverse.md
- `array_rotate` — Read — https://policylayer.com/tools/io-tinyfn-tinyfn/array-rotate.md
- `array_slice` — Read — https://policylayer.com/tools/io-tinyfn-tinyfn/array-slice.md
- `array_symmetric_difference` — Read — https://policylayer.com/tools/io-tinyfn-tinyfn/array-symmetric-difference.md
- `array_union` — Read — https://policylayer.com/tools/io-tinyfn-tinyfn/array-union.md
- `array_unzip` — Read — https://policylayer.com/tools/io-tinyfn-tinyfn/array-unzip.md
- …and 541 more: https://policylayer.com/tools/io-tinyfn-tinyfn.md

## For agents

This record is a snapshot. Live verdicts and the full registry:

- Check every server in your MCP config at once: `npx -y policylayer stack`
- Vet a server before you add it: install the mcp-precheck skill — `npx skills add https://policylayer.com` (skill text: https://policylayer.com/skill.md)
- Query the registry over MCP: endpoint `https://api.policylayer.com/mcp` — tools `check_mcp_server`, `check_mcp_stack`, `check_tool`, `search_registry`, `get_change_events`

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Source: the PolicyLayer MCP registry — one continuously verified record per MCP server. Full record: https://policylayer.com/registry?q=io-tinyfn-tinyfn · API: https://policylayer.com/registry/api · Policy library: https://policylayer.com/policies/io-tinyfn-tinyfn