ynab_move_money · YNAB MCP Server MCP: Risk & Policy

WHAT IT DOES

What ynab_move_money does on YNAB MCP Server

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

WHY IT NEEDS A POLICY

Why ynab_move_money needs a policy

This tool directly moves money between budget categories in a YNAB budget, which constitutes a financial operation that commits budget allocations. While it operates within a budgeting tool rather than executing actual bank transfers, it modifies financial plans and allocations in a way that has real financial implications.

From the tool's definition Move money from one category to another

Attacks that exploit this kind of access

Recommended rule Ready

Verdict

ynab_move_money Approval-gated

Any call to ynab_move_money 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": {
    "ynab_move_money": {
      "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 YNAB MCP Server, so you can run agents against it safely.

FAQ

Questions about ynab_move_money

What does the ynab_move_money tool do? +

Move money from one category to another. It is categorised as a Financial tool in the YNAB MCP Server MCP Server, which means it involves financial transactions. Block by default and require explicit approval.

How do I enforce a policy on ynab_move_money? +

Register the YNAB MCP Server MCP server in PolicyLayer and add a rule for ynab_move_money: 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 YNAB MCP Server. Nothing to install.

What risk level is ynab_move_money? +

ynab_move_money 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 ynab_move_money? +

Yes. Add a rate_limit block to the ynab_move_money 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 ynab_move_money completely? +

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

ynab_move_money is provided by the YNAB MCP Server MCP server (wgdevelopment/ynab-mcp-server). PolicyLayer sits as a proxy in front of this server to enforce policies before tool calls reach the server.