AI agents call getAccounts to retrieve information from Mcp Upbank without modifying anything — typically the context-gathering step in research, monitoring, and reporting workflows, before the agent takes action elsewhere.
This tool retrieves account data without modifying, deleting, or executing any operations. It is a straightforward read operation with minimal blast radius—an AI agent calling this would only fetch existing account information, which is non-sensitive metadata in a banking context where the primary concern is unauthorized writes or transfers.
From the tool's definition Tool name 'getAccounts' and description 'List accounts' indicate a query operation that retrieves account information. Server description confirms 'read-only mode' access to Up Bank API.
Documented attack patterns abuse exactly the kind of access getAccounts gives an agent:
PolicyLayer is an MCP gateway — it sits between your AI agents and Mcp Upbank, and nothing reaches the server without passing your rules. This is the rule we recommend for getAccounts:
{
"version": "1",
"default": "deny",
"tools": {
"getAccounts": {}
}
}getAccounts is read-only, so it stays allowed — but everything else on the server is denied unless you say otherwise.
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List accounts. It is categorised as a Read tool in the Mcp Upbank MCP Server, which means it retrieves data without modifying state.
Register the Mcp Upbank MCP server in PolicyLayer and add a rule for getAccounts: 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 Upbank. Nothing to install.
getAccounts is a Read tool with low risk. Read-only tools are generally safe to allow by default.
Yes. Add a rate_limit block to the getAccounts 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 getAccounts. 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.
getAccounts is provided by the Mcp Upbank MCP server (sirmews/mcp-upbank). PolicyLayer sits as a proxy in front of this server to enforce policies before tool calls reach the server.
Start from Mcp Upbank, add the rest of your stack, and see everything your agents can call. Then put policy on all of it.
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13 Mcp Upbank tools catalogued and risk-classified — across an index of 43,000+ MCP servers.