create_new_charge

THE RISK

Critical Risk

Why create_new_charge needs a policy

Creating a charge definition in a core banking system is a Financial operation because it establishes a new fee/charge that will be applied to customer accounts and financial products. This commits financial obligations and affects the institution's revenue model. While not immediately moving money, it creates the mechanism by which money will be moved from customers.

From the tool's definition Tool name 'create_new_charge' combined with server description stating it manages 'financial transactions' and server is an 'Open Source Core Banking Solution'.

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

POLICY

How to control create_new_charge

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

policy.json

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

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

Create a free account and register Mcp Mifosx — 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

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Go deeper

Critical-risk tools in Mcp Mifosx → 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 create_new_charge

What does the create_new_charge tool do? +

Create a new charge definition. It is categorised as a Financial tool in the Mcp Mifosx MCP Server, which means it involves financial transactions. Block by default and require explicit approval.

How do I enforce a policy on create_new_charge? +

Register the Mcp Mifosx MCP server in PolicyLayer and add a rule for create_new_charge: 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 Mcp Mifosx. Nothing to install.

What risk level is create_new_charge? +

create_new_charge 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 create_new_charge? +

Yes. Add a rate_limit block to the create_new_charge 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_new_charge completely? +

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

create_new_charge is provided by the Mcp Mifosx MCP server (openmf/mcp-mifosx). PolicyLayer sits as a proxy in front of this server to enforce policies before tool calls reach the server.

Enforce policy on every Mcp Mifosx tool call.

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

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