create_user_wallet · Tenzro Ledger MCP: Risk & Policy

WHAT IT DOES

What create_user_wallet does on Tenzro Ledger MCP

AI agents use create_user_wallet to create or update resources in Tenzro Ledger MCP — usually the action step of a workflow, after the agent has gathered context. Every call changes real data in your Tenzro Ledger MCP environment.

WHY IT NEEDS A POLICY

Why create_user_wallet needs a policy

This tool creates a new wallet resource under app management, which is a reversible data creation action (Write category). Severity is high because wallet creation can enable financial transactions and establish identity/access on the ledger; misuse could create unauthorized accounts or expose key material.

From the tool's definition Tool description explicitly states 'Create a custodial FROST-Ed25519 wallet' — the verb 'Create' and the purpose (wallet creation) establish this as a data creation operation.

Attacks that exploit this kind of access

Recommended rule Ready

Verdict

create_user_wallet Rate-limited

create_user_wallet stays usable, but capped — an agent stuck in a loop can't make hundreds of changes a minute. Everything else on the server is denied unless you say otherwise.

View as policy code

policy.json

{
  "version": "1",
  "default": "deny",
  "tools": {
    "create_user_wallet": {
      "limits": [
        {
          "counter": "create_user_wallet_rate",
          "window": "minute",
          "max": 30,
          "scope": "grant"
        }
      ]
    }
  }
}

LIMIT THIS TOOL →

Instant setup, no code required.

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

FAQ

Questions about create_user_wallet

What does the create_user_wallet tool do? +

Create a custodial FROST-Ed25519 (RFC 9591) wallet for an app user. The app manages the key shares. It is categorised as a Write tool in the Tenzro Ledger MCP MCP Server, which means it can create or modify data. Consider rate limits to prevent runaway writes.

How do I enforce a policy on create_user_wallet? +

Register the Tenzro Ledger MCP server in PolicyLayer and add a rule for create_user_wallet: 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 Tenzro Ledger MCP. Nothing to install.

What risk level is create_user_wallet? +

create_user_wallet is a Write tool with medium risk. Write tools should be rate-limited to prevent accidental bulk modifications.

Can I rate-limit create_user_wallet? +

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

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

create_user_wallet is provided by the Tenzro Ledger MCP server (https://canton-mcp.tenzro.network/mcp). PolicyLayer sits as a proxy in front of this server to enforce policies before tool calls reach the server.