AI agents use stellar_create_account to create or update resources in Stellar MCP — usually the action step of a workflow, after the agent has gathered context. Every call changes real data in your Stellar MCP environment.
This tool creates a new Stellar account on the blockchain. Account creation is a Write operation — it establishes a new entity on-chain (reversibly in the sense that it doesn't destroy existing data, though the creation itself cannot be undone). It does not directly move funds or process payments, though account creation on Stellar typically requires a minimum XLM reserve.
From the tool's definition "Create a new Stellar Account"
Documented attack patterns abuse exactly the kind of access stellar_create_account gives an agent:
PolicyLayer is an MCP gateway — it sits between your AI agents and Stellar MCP, and nothing reaches the server without passing your rules. This is the rule we recommend for stellar_create_account:
{
"version": "1",
"default": "deny",
"tools": {
"stellar_create_account": {
"limits": [
{
"counter": "stellar_create_account_rate",
"window": "minute",
"max": 30,
"scope": "grant"
}
]
}
}
}stellar_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.
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Create a new Stellar Account. It is categorised as a Write tool in the Stellar MCP MCP Server, which means it can create or modify data. Consider rate limits to prevent runaway writes.
Register the Stellar MCP server in PolicyLayer and add a rule for stellar_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 MCP. Nothing to install.
stellar_create_account is a Write tool with medium risk. Write tools should be rate-limited to prevent accidental bulk modifications.
Yes. Add a rate_limit block to the stellar_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.
Set action: deny in the PolicyLayer policy for stellar_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.
stellar_create_account is provided by the Stellar MCP server (syronlabs/stellar-mcp). PolicyLayer sits as a proxy in front of this server to enforce policies before tool calls reach the server.
Start from Stellar MCP, add the rest of your stack, and see everything your agents can call. Then put policy on all of it.
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12 Stellar MCP tools catalogued and risk-classified — across an index of 43,000+ MCP servers.