create_disbursement · Xendit MCP: Risk & Policy

WHAT IT DOES

What create_disbursement does on Xendit

AI agents use create_disbursement to commit financial operations through Xendit — usually the final step of a payment, billing, or trading workflow. A call moves real money.

WHY IT NEEDS A POLICY

Why create_disbursement needs a policy

A disbursement is a direct financial transfer (payout) to a bank account, making this a Financial category tool. Misuse could result in unauthorized money transfers, hence critical severity. The server description also explicitly lists disbursements as a core financial operation of this payment gateway.

From the tool's definition 'Create a disbursement (payout) to a bank account' — explicitly moves money from the platform to an external bank account

Attacks that exploit this kind of access

Recommended rule Ready

Verdict

create_disbursement Approval-gated

Any call to create_disbursement is blocked until a human approves it. The rest of the server keeps working.

View as policy code

policy.json

{
  "version": "1",
  "default": "deny",
  "tools": {
    "create_disbursement": {
      "deny_if": [
        {
          "conditions": [],
          "on_deny": "Requires human approval."
        }
      ]
    }
  }
}

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

FAQ

Questions about create_disbursement

What does the create_disbursement tool do? +

Create a disbursement (payout) to a bank account. It is categorised as a Financial tool in the Xendit MCP Server, which means it involves financial transactions. Block by default and require explicit approval.

How do I enforce a policy on create_disbursement? +

Register the Xendit MCP server in PolicyLayer and add a rule for create_disbursement: 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 Xendit. Nothing to install.

What risk level is create_disbursement? +

create_disbursement is a Financial tool with critical risk. Critical-risk tools should be blocked by default and only enabled with explicit human approval.

Can I rate-limit create_disbursement? +

Yes. Add a rate_limit block to the create_disbursement 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_disbursement completely? +

Set action: deny in the PolicyLayer policy for create_disbursement. 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_disbursement? +

create_disbursement is provided by the Xendit MCP server (theyahia/xendit-mcp). PolicyLayer sits as a proxy in front of this server to enforce policies before tool calls reach the server.