Send money from business to customer (B2C transfer). Used for payouts, refunds, salaries, and disbursements.
AI agents use b2c_transfer to commit financial operations through Africa Payments MCP — usually the final step of a payment, billing, or trading workflow. A call moves real money.
This tool directly moves money and commits financial obligations. B2C transfers involve outgoing payments that represent real financial transactions. If an AI agent misuses this tool without proper authorization or validation, it could result in unauthorized fund transfers, financial fraud, or significant monetary losses.
From the tool's definition Tool description explicitly states 'Send money from business to customer (B2C transfer)' and lists use cases including 'payouts, refunds, salaries, and disbursements.' The server context confirms it is a payment interface for major African payment providers…
Attacks that exploit this kind of access
Send money from business to customer (B2C transfer). Used for payouts, refunds, salaries, and disbursements. It is categorised as a Financial tool in the Africa Payments MCP MCP Server, which means it involves financial transactions. Block by default and require explicit approval.
Register the Africa Payments MCP server in PolicyLayer and add a rule for b2c_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 Africa Payments MCP. Nothing to install.
b2c_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 b2c_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 b2c_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.
b2c_transfer is provided by the Africa Payments MCP server (kenyaclaw/africa-payments-mcp). PolicyLayer sits as a proxy in front of this server to enforce policies before tool calls reach the server.
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