finalize_disable_otp

THE RISK

Critical Risk

Why finalize_disable_otp needs a policy

This tool modifies security controls on financial transfer mechanisms, which could enable unauthorized or fraudulent transfers if misused by an AI agent. While not directly moving money, disabling OTP protection is a prerequisite to financial fraud and represents a critical step in compromising the confidentiality and integrity of financial transactions.

From the tool's definition Tool operates on Paystack payment infrastructure with explicit purpose to disable OTP (one-time password) security on financial transfers.

Documented attack patterns abuse exactly the kind of access finalize_disable_otp gives an agent:

POLICY

How to control finalize_disable_otp

PolicyLayer is an MCP gateway — it sits between your AI agents and Paystack, and nothing reaches the server without passing your rules. This is the rule we recommend for finalize_disable_otp:

policy.json

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

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

Create a free account and register Paystack — nothing to install.
Add this policy — paste it, or build it visually.
Point your MCP client (Claude, Cursor, anything) at your gateway URL.

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EXPLORE

Related tools and policies

More Paystack tools

Financial initialize_transaction Initialize a transaction to accept payment on Paystack Financial charge_authorization Charge a previously authorized card Financial partial_debit Charge a partial amount from a previously authorized card Financial disable_transfers_otp Disable OTP requirement for transfers Financial enable_transfers_otp Enable OTP requirement for transfers Destructive deactivate_authorization Deactivate a payment authorization when a card needs to be forgotten Execute resend_transfers_otp Generates a new OTP and sends to customer for transfer verification Write create_customer Create a new customer in Paystack

All 28 Paystack tools →

Financial tools on other servers

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Go deeper

Critical-risk tools in Paystack → Every critical-risk tool this server exposes, in one view.
All critical-risk MCP tools → Every critical-risk tool across the catalogue, and the policy pattern that contains them.
The MCP Attack Database → Documented attack patterns against MCP deployments — and the policies that stop them.
Human-in-the-loop → When a tool call should wait for a person — and when policy can decide alone.
Tool call approval → Approval gates on individual tool calls: auto-allow, prompt, or deny.
How to Add Spending Controls to Any MCP Agent →
Rate Limiting MCP Tool Calls: A Practical Guide →

FAQ

Questions about finalize_disable_otp

What does the finalize_disable_otp tool do? +

Finalize the request to disable OTP on your transfers. It is categorised as a Financial tool in the Paystack MCP Server, which means it involves financial transactions. Block by default and require explicit approval.

How do I enforce a policy on finalize_disable_otp? +

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

What risk level is finalize_disable_otp? +

finalize_disable_otp 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 finalize_disable_otp? +

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

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

finalize_disable_otp is provided by the Paystack MCP server (kohasummons/paystack-mcp). PolicyLayer sits as a proxy in front of this server to enforce policies before tool calls reach the server.

Enforce policy on every Paystack tool call.

Start from Paystack, add the rest of your stack, and see everything your agents can call. Then put policy on all of it.

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