mpesa_b2c · Africa Payments MCP: Risk & Policy

WHAT IT DOES

What mpesa_b2c does on Africa Payments MCP

AI agents use mpesa_b2c to commit financial operations through Africa Payments MCP — usually the final step of a payment, billing, or trading workflow. A call moves real money.

WHY IT NEEDS A POLICY

Why mpesa_b2c needs a policy

This tool directly transfers funds from a business account to customer accounts, which constitutes a financial transaction. Misuse by an AI agent could result in unauthorized money transfers, fraud, or depletion of business funds.

From the tool's definition Tool description explicitly states 'Send money from business to customer (B2C). Used for payouts, refunds, salaries.' The function moves actual money between accounts.

Attacks that exploit this kind of access

Recommended rule Ready

Verdict

mpesa_b2c Approval-gated

Any call to mpesa_b2c is blocked until a human approves it. The rest of the server keeps working.

View as policy code

policy.json

{
  "version": "1",
  "default": "deny",
  "tools": {
    "mpesa_b2c": {
      "deny_if": [
        {
          "conditions": [],
          "on_deny": "Requires human approval."
        }
      ]
    }
  }
}

GATE THIS TOOL →

Instant setup, no code required.

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

FAQ

Questions about mpesa_b2c

What does the mpesa_b2c tool do? +

Send money from business to customer (B2C). Used for payouts, refunds, salaries. 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.

How do I enforce a policy on mpesa_b2c? +

Register the Africa Payments MCP server in PolicyLayer and add a rule for mpesa_b2c: 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.

What risk level is mpesa_b2c? +

mpesa_b2c is a Financial tool with critical risk. Critical-risk tools should be blocked by default and only enabled with explicit human approval.

Can I rate-limit mpesa_b2c? +

Yes. Add a rate_limit block to the mpesa_b2c 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 mpesa_b2c completely? +

Set action: deny in the PolicyLayer policy for mpesa_b2c. 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 mpesa_b2c? +

mpesa_b2c 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.