list-payees

THE RISK

Low Risk

Why list-payees needs a policy

This tool retrieves and lists payee data without creating, modifying, or deleting anything. It is a read-only query operation. Severity is medium rather than low because payee information combined with other financial data (transactions, budgets, account details) could reveal spending patterns and financial relationships that pose privacy/security risks if exposed to an untrusted agent, but the tool itself performs…

From the tool's definition Tool name is 'list-payees' and description states it 'List[s] all payees for a given budget' — a retrieval operation with no modification capability.

Documented attack patterns abuse exactly the kind of access list-payees gives an agent:

POLICY

How to control list-payees

PolicyLayer is an MCP gateway — it sits between your AI agents and You Need A Budget (YNAB) MCP, and nothing reaches the server without passing your rules. This is the rule we recommend for list-payees:

policy.json

{
  "version": "1",
  "default": "deny",
  "tools": {
    "list-payees": {}
  }
}

list-payees is read-only, so it stays allowed — but everything else on the server is denied unless you say otherwise.

Create a free account and register You Need A Budget (YNAB) MCP — nothing to install.
Add this policy — paste it, or build it visually.
Point your MCP client (Claude, Cursor, anything) at your gateway URL.

CAP THIS TOOL →

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EXPLORE

Related tools and policies

More You Need A Budget (YNAB) MCP tools

Destructive bulk-manage-transactions Create, update, or delete multiple transactions at once. More efficient than making single Write manage-budgeted-amount Assign a budgeted amount to a category or move money between categories for a specific mon Write manage-financial-overview Get, update, or refresh a high-level financial overview. This is the best starting point f Write manage-payees Merge multiple payee names into a single name. Use this to clean up payee data, for exampl Write manage-scheduled-transaction Create, update, or delete a single scheduled (recurring) transaction. Use this to manage r Read get-month-info Get detailed budget information for a single month, including age of money and total amoun Read list-accounts List all accounts for a given budget. Useful for getting account IDs for other tools. Read list-budgets List all available YNAB budgets

All 14 You Need A Budget (YNAB) MCP tools →

Read tools on other servers

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Go deeper

The MCP Attack Database → Documented attack patterns against MCP deployments — and the policies that stop them.
Data exfiltration → How read access becomes an exfiltration channel when chained with untrusted content.
MCP token cost → What connecting this server costs in context-window tokens on every request.
Rate Limiting MCP Tool Calls: A Practical Guide →
MCP Security: Why Prompt Guardrails Aren't Enough →

FAQ

Questions about list-payees

What does the list-payees tool do? +

List all payees for a given budget. Good for finding payee IDs or identifying messy payee data that needs to be merged. It is categorised as a Read tool in the You Need A Budget (YNAB) MCP MCP Server, which means it retrieves data without modifying state.

How do I enforce a policy on list-payees? +

Register the You Need A Budget (YNAB) MCP server in PolicyLayer and add a rule for list-payees: 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 You Need A Budget (YNAB) MCP. Nothing to install.

What risk level is list-payees? +

list-payees is a Read tool with low risk. Read-only tools are generally safe to allow by default.

Can I rate-limit list-payees? +

Yes. Add a rate_limit block to the list-payees 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.

How do I block list-payees completely? +

Set action: deny in the PolicyLayer policy for list-payees. 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.

What MCP server provides list-payees? +

list-payees is provided by the You Need A Budget (YNAB) MCP server (jtewen/ynab-mcp). PolicyLayer sits as a proxy in front of this server to enforce policies before tool calls reach the server.

Enforce policy on every You Need A Budget (YNAB) MCP tool call.

Start from You Need A Budget (YNAB) MCP, add the rest of your stack, and see everything your agents can call. Then put policy on all of it.

CHECK YOUR STACK →