Create a Lightning invoice to pay for one AI service call. Returns JSON: { paymentId, invoice (BOLT11), amount (sats), expiresAt }. Each payment covers exactly one tool call — call this once per operation. Typical flow: list_models → create_payment → check_payment_status → call tool. The invoice ...
Risk signalsHigh parameter count (12 properties)
Part of the Sats4AI - Bitcoin-Powered AI Tools server.
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AI agents use create_payment to initiate financial transactions through Sats4AI - Bitcoin-Powered AI Tools. Financial operations involve real money and are irreversible once processed. PolicyLayer blocks financial tools by default, requiring explicit human approval with transaction-level limits to prevent unauthorised spending.
create_payment moves real money. Without a policy, an autonomous agent could initiate transactions that drain accounts or exceed budgets. PolicyLayer blocks financial tools by default, requiring human-in-the-loop approval with configurable spending limits per transaction and per time window.
Financial tools involve real money. Block by default and require explicit human approval before enabling.
{
"version": "1",
"default": "deny",
"tools": {
"create_payment": {
"deny_if": [
{
"conditions": [],
"on_deny": "Requires human approval."
}
]
}
}
}See the full Sats4AI - Bitcoin-Powered AI Tools policy for all 49 tools.
These attack patterns abuse exactly the kind of access create_payment gives an agent. Each links to the full case and the policy that stops it:
Other financial tools across the catalogue. The same approach applies to each: deny by default, or require human approval.
Create a Lightning invoice to pay for one AI service call. Returns JSON: { paymentId, invoice (BOLT11), amount (sats), expiresAt }. Each payment covers exactly one tool call — call this once per operation. Typical flow: list_models → create_payment → check_payment_status → call tool. The invoice expires in 10 minutes. Call list_models first to discover modelId values. modelId is optional — omit it to use the default (best) model. Some tools require extra params at payment time because pricing depends on them: generate_text requires prompt (price = f(char count)); send_sms, place_call, ai_call require phoneNumber; generate_video requires duration, mode, generate_audio; animate_image requires duration (100 sats/sec); edit_image requires resolution (1K=200, 2K=300, 4K=450 sats). If required params are missing, the response includes an error with the missing field names.. It is categorised as a Financial tool in the Sats4AI - Bitcoin-Powered AI Tools MCP Server, which means it involves financial transactions. Block by default and require explicit approval.
Register the Sats4AI - Bitcoin-Powered AI Tools MCP server in PolicyLayer and add a rule for create_payment: 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 Sats4AI - Bitcoin-Powered AI Tools. Nothing to install.
create_payment 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 create_payment 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 create_payment. 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.
create_payment is provided by the Sats4AI - Bitcoin-Powered AI Tools MCP server (cnghockey/sats4ai-mcp-server). PolicyLayer sits as a proxy in front of this server to enforce policies before tool calls reach the server.
Deterministic rules across all 49 Sats4AI - Bitcoin-Powered AI Tools tools. Per-identity grants. Full audit log. Live in minutes. Nothing to install.
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