create_account · Ynab MCP: Risk & Policy

WHAT IT DOES

What create_account does on Ynab

AI agents use create_account to create or update resources in Ynab — usually the action step of a workflow, after the agent has gathered context. Every call changes real data in your Ynab environment.

WHY IT NEEDS A POLICY

Why create_account needs a policy

This tool creates a new account in a YNAB budget. While it involves financial data, it doesn't move money or commit financial obligations — it merely sets up an account structure. It's a Write operation (creating a new resource) with medium severity since a misused agent could create many spurious accounts in a user's budget, causing clutter and confusion, but the action is reversible by deleting the account.

From the tool's definition 'Create a new account in a budget' — creates a new financial account entity reversibly

Attacks that exploit this kind of access

Recommended rule Ready

Verdict

create_account Rate-limited

create_account stays usable, but capped — an agent stuck in a loop can't make hundreds of changes a minute. Everything else on the server is denied unless you say otherwise.

View as policy code

policy.json

{
  "version": "1",
  "default": "deny",
  "tools": {
    "create_account": {
      "limits": [
        {
          "counter": "create_account_rate",
          "window": "minute",
          "max": 30,
          "scope": "grant"
        }
      ]
    }
  }
}

LIMIT THIS TOOL →

Instant setup, no code required.

PolicyLayer is an MCP gateway: every tool call is checked against your rule before it reaches Ynab, so you can run agents against it safely.

FAQ

Questions about create_account

What does the create_account tool do? +

[1 API call] Create a new account in a budget. It is categorised as a Write tool in the Ynab MCP Server, which means it can create or modify data. Consider rate limits to prevent runaway writes.

How do I enforce a policy on create_account? +

Register the Ynab MCP server in PolicyLayer and add a rule for create_account: 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 Ynab. Nothing to install.

What risk level is create_account? +

create_account is a Write tool with medium risk. Write tools should be rate-limited to prevent accidental bulk modifications.

Can I rate-limit create_account? +

Yes. Add a rate_limit block to the create_account 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 create_account completely? +

Set action: deny in the PolicyLayer policy for create_account. 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 create_account? +

create_account is provided by the Ynab MCP server (justmytwospence/ynab-mcp). PolicyLayer sits as a proxy in front of this server to enforce policies before tool calls reach the server.