Send money to a recipient using the best available provider. Automatically selects the appropriate provider based on recipient country and phone number. Supports M-Pesa, Paystack, MTN MoMo, Airtel Money, and more. Use
AI agents use unified_send_money 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 moves money from one party to another, which constitutes a financial transaction that commits monetary obligations. Even with correct recipient selection, misuse could result in unauthorized transfers, loss of funds, or fraud. The automatic provider selection and support for multiple payment networks amplifies the blast radius. This is the most severe risk category applicable.
From the tool's definition Tool description states 'Send money to a recipient' and 'process payments' across major African payment providers including M-Pesa, Paystack, and MTN MoMo. The unified_send_money function directly transfers funds between parties.
Attacks that exploit this kind of access
Send money to a recipient using the best available provider. Automatically selects the appropriate provider based on recipient country and phone number. Supports M-Pesa, Paystack, MTN MoMo, Airtel Money, and more. Use. 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 unified_send_money: 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.
unified_send_money 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 unified_send_money 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 unified_send_money. 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.
unified_send_money 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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