Get all payees (people/companies you can send payments to) for the account holder.
AI agents call payees_list to retrieve information from Starling Bank without modifying anything — typically the context-gathering step in research, monitoring, and reporting workflows, before the agent takes action elsewhere.
This tool retrieves a list of existing payee records associated with the account holder. It performs no writes, deletes, executions, or financial transactions. While the broader server context involves financial systems, this specific tool only queries and returns data without side effects. The blast radius of misuse is limited to information disclosure about payee details.
From the tool's definition Tool name 'payees_list' and description 'Get all payees' indicate a retrieval operation with no modification. The verb 'Get' and lack of any language suggesting state changes (create, update, delete, send) confirms read-only semantics.
Attacks that exploit this kind of access
Get all payees (people/companies you can send payments to) for the account holder. It is categorised as a Read tool in the Starling Bank MCP Server, which means it retrieves data without modifying state.
Register the Starling Bank MCP server in PolicyLayer and add a rule for payees_list: 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 Starling Bank. Nothing to install.
payees_list 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 payees_list 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 payees_list. 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.
payees_list is provided by the Starling Bank MCP server (starling-bank-mcp). PolicyLayer sits as a proxy in front of this server to enforce policies before tool calls reach the server.
Every MCP server has a record like this.
Type a name, get the same breakdown: verified identity, auth posture, risk grade, capabilities, recommended policy.
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