create-account · Stellar MCP: Risk & Policy

WHAT IT DOES

What create-account does on Stellar

AI agents use create-account to create or update resources in Stellar — usually the action step of a workflow, after the agent has gathered context. Every call changes real data in your Stellar environment.

WHY IT NEEDS A POLICY

Why create-account needs a policy

An AI agent can call create-account faster than any human can review — one bad instruction and it creates or modifies resources in Stellar by the hundred, each call as confident as the last.

Attacks that exploit this kind of access

Recommended rule Ready

Verdict

create-account Rate-limited

create-account stays usable, but capped — an agent stuck in a loop can't make hundreds of changes a minute. Everything else on the server is denied unless you say otherwise.

View as policy code

policy.json

{
  "version": "1",
  "default": "deny",
  "tools": {
    "create-account": {
      "limits": [
        {
          "counter": "create-account_rate",
          "window": "minute",
          "max": 30,
          "scope": "grant"
        }
      ]
    }
  }
}

LIMIT THIS TOOL →

Instant setup, no code required.

PolicyLayer is an MCP gateway: every tool call is checked against your rule before it reaches Stellar, so you can run agents against it safely.

FAQ

Questions about create-account

What does the create-account tool do? +

Create a new Stellar account. It is categorised as a Write tool in the Stellar MCP Server, which means it can create or modify data. Consider rate limits to prevent runaway writes.

How do I enforce a policy on create-account? +

Register the Stellar MCP server in PolicyLayer and add a rule for create-account: 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 Stellar. Nothing to install.

What risk level is create-account? +

create-account is a Write tool with medium risk. Write tools should be rate-limited to prevent accidental bulk modifications.

Can I rate-limit create-account? +

Yes. Add a rate_limit block to the create-account 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-account completely? +

Set action: deny in the PolicyLayer policy for create-account. 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-account? +

create-account is provided by the Stellar MCP server (stellar-mcp-server). PolicyLayer sits as a proxy in front of this server to enforce policies before tool calls reach the server.