Create a QBO Transfer (moves funds from one bank/credit card account to another). Required: FromAccountRef, ToAccountRef, Amount. TxnDate optional. From and To must differ. Use this instead of a 2-line JE when the intent is a cross-account transfer — it
AI agents use qbo_create_transfer to commit financial operations through Kaizen Qbo — usually the final step of a payment, billing, or trading workflow. A call moves real money.
This tool directly commits financial transactions by transferring monetary funds between accounts. Even though transfers are reversible (unlike payments out of the organization), they represent a direct movement of money and financial obligations. Financial category takes precedence over Write per the severity hierarchy.
From the tool's definition Tool name 'qbo_create_transfer' combined with description 'moves funds from one bank/credit card account to another' with required parameters FromAccountRef, ToAccountRef, Amount explicitly indicates fund movement between accounts.
Attacks that exploit this kind of access
Create a QBO Transfer (moves funds from one bank/credit card account to another). Required: FromAccountRef, ToAccountRef, Amount. TxnDate optional. From and To must differ. Use this instead of a 2-line JE when the intent is a cross-account transfer — it. It is categorised as a Financial tool in the Kaizen Qbo MCP Server, which means it involves financial transactions. Block by default and require explicit approval.
Register the Kaizen Qbo MCP server in PolicyLayer and add a rule for qbo_create_transfer: 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 Kaizen Qbo. Nothing to install.
qbo_create_transfer 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 qbo_create_transfer 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 qbo_create_transfer. 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.
qbo_create_transfer is provided by the Kaizen Qbo MCP server (kaizen-qbo-mcp-server). PolicyLayer sits as a proxy in front of this server to enforce policies before tool calls reach the server.
qbo_create_transfer is one line of Kaizen Qbo's registry record.
The record carries the whole server: verified identity, auth posture, risk grade, every tool classified, recommended policy — re-checked continuously.
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