# return_deposit

Return a deposit to the depositor (callable by the provider). Use when the depositor met all terms.

Agent View of the PolicyLayer registry record for `return_deposit`. HTML page: https://policylayer.com/tools/pay-skill-mcp/return-deposit

## Facts

- Tool: `return_deposit`
- Server: Remit Md MCP Server (`pay-skill/mcp`) — https://policylayer.com/tools/pay-skill-mcp.md
- Homepage: https://github.com/pay-skill/mcp
- Risk category: Financial (Critical risk)
- Registry record: grade F, identity unverified
- Server rate-limited: no
- Parameters: 0
- Recommended policy verdict: Approval-gated

## Example call (MCP tools/call, JSON-RPC 2.0)

```json
{
  "jsonrpc": "2.0",
  "id": 1,
  "method": "tools/call",
  "params": {
    "name": "return_deposit",
    "arguments": {}
  }
}
```

## Why return_deposit is rated Critical

This tool transfers money (returns a deposit) and commits a financial obligation. Even though the operation is conditional ('when the depositor met all terms'), it fundamentally moves funds, making it Financial category. The severity is high because misuse could result in unauthorized fund transfers, though the conditional nature and legitimate refund purpose prevent it from being critical.

From the tool's own definition: "Tool is part of remit.md MCP Server which 'Enables AI agents to perform financial transactions such as direct payments, escrows, and bounty management' and 'return_deposit' returns funds to a depositor—a direct money movement operation."

## Use case

AI agents use return_deposit to commit financial operations through Remit Md MCP Server, usually the final step of a payment, billing, or trading workflow. A call moves real money.

## Recommended policy (PolicyLayer)

Verdict: **Approval-gated**. Enforced by the PolicyLayer MCP gateway (https://policylayer.com/mcp-gateway) before a call reaches Remit Md MCP Server:

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

## Other tools on Remit Md MCP Server (27)

- `delete_webhook` — Destructive — https://policylayer.com/tools/pay-skill-mcp/delete-webhook.md
- `claim_start` — Execute — https://policylayer.com/tools/pay-skill-mcp/claim-start.md
- `award_bounty` — Financial — https://policylayer.com/tools/pay-skill-mcp/award-bounty.md
- `cancel_escrow` — Financial — https://policylayer.com/tools/pay-skill-mcp/cancel-escrow.md
- `charge_tab` — Financial — https://policylayer.com/tools/pay-skill-mcp/charge-tab.md
- `close_stream` — Financial — https://policylayer.com/tools/pay-skill-mcp/close-stream.md
- `close_tab` — Financial — https://policylayer.com/tools/pay-skill-mcp/close-tab.md
- `create_escrow` — Financial — https://policylayer.com/tools/pay-skill-mcp/create-escrow.md
- `create_fund_link` — Financial — https://policylayer.com/tools/pay-skill-mcp/create-fund-link.md
- `create_withdraw_link` — Financial — https://policylayer.com/tools/pay-skill-mcp/create-withdraw-link.md
- `forfeit_deposit` — Financial — https://policylayer.com/tools/pay-skill-mcp/forfeit-deposit.md
- `open_stream` — Financial — https://policylayer.com/tools/pay-skill-mcp/open-stream.md
- `open_tab` — Financial — https://policylayer.com/tools/pay-skill-mcp/open-tab.md
- `pay_direct` — Financial — https://policylayer.com/tools/pay-skill-mcp/pay-direct.md
- `place_deposit` — Financial — https://policylayer.com/tools/pay-skill-mcp/place-deposit.md
- `post_bounty` — Financial — https://policylayer.com/tools/pay-skill-mcp/post-bounty.md
- `reclaim_bounty` — Financial — https://policylayer.com/tools/pay-skill-mcp/reclaim-bounty.md
- `release_escrow` — Financial — https://policylayer.com/tools/pay-skill-mcp/release-escrow.md
- `submit_bounty` — Financial — https://policylayer.com/tools/pay-skill-mcp/submit-bounty.md
- `withdraw_stream` — Financial — https://policylayer.com/tools/pay-skill-mcp/withdraw-stream.md
- `x402_config` — Financial — https://policylayer.com/tools/pay-skill-mcp/x402-config.md
- `x402_pay` — Financial — https://policylayer.com/tools/pay-skill-mcp/x402-pay.md
- `check_balance` — Read — https://policylayer.com/tools/pay-skill-mcp/check-balance.md
- `get_status` — Read — https://policylayer.com/tools/pay-skill-mcp/get-status.md
- `list_webhooks` — Read — https://policylayer.com/tools/pay-skill-mcp/list-webhooks.md
- `register_webhook` — Write — https://policylayer.com/tools/pay-skill-mcp/register-webhook.md
- `update_webhook` — Write — https://policylayer.com/tools/pay-skill-mcp/update-webhook.md

## For agents

This record is a snapshot. Live verdicts and the full registry:

- Check every server in your MCP config at once: `npx -y policylayer stack`
- Vet a server before you add it: install the mcp-precheck skill — `npx skills add https://policylayer.com` (skill text: https://policylayer.com/skill.md)
- Query the registry over MCP: endpoint `https://api.policylayer.com/mcp` — tools `check_mcp_server`, `check_mcp_stack`, `check_tool`, `search_registry`, `get_change_events`

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Source: the PolicyLayer MCP registry — one continuously verified record per MCP server. Full record: https://policylayer.com/registry?q=pay-skill-mcp · API: https://policylayer.com/registry/api · Policy library: https://policylayer.com/policies/pay-skill-mcp