createDraftPayment

THE RISK

Critical Risk

Why createDraftPayment needs a policy

This tool creates draft payments in a banking context. Even though it requires review/approval before final execution, it initiates a financial transaction workflow and commits financial intent. Given the banking API context (Bunq), misuse could result in unauthorized payment initiation.

From the tool's definition "Create draft payments" — involves initiating payment transactions through the Bunq banking API, even if requiring approval before execution

Documented attack patterns abuse exactly the kind of access createDraftPayment gives an agent:

POLICY

How to control createDraftPayment

PolicyLayer is an MCP gateway — it sits between your AI agents and Bunq MCP, and nothing reaches the server without passing your rules. This is the rule we recommend for createDraftPayment:

policy.json

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

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

Create a free account and register Bunq MCP — nothing to install.
Add this policy — paste it, or build it visually.
Point your MCP client (Claude, Cursor, anything) at your gateway URL.

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EXPLORE

Related tools and policies

More Bunq MCP tools

Financial createPayment Create real-money payments (transfers immediately). Only available when using Financial createPaymentRequest Create a payment request to receive money into your account Read bunqAccounts Get your Bunq accounts with details like account type, balance, and ID Read getPaymentAutoAllocates Get automatic payment allocation settings for an account Read getRequestInquiries Get money requests you've sent from a specific account Read getTopCounterparties Get a list of unique person counterparties based on recent transactions Read getTransactions View transactions (payments) for a specific account

All 8 Bunq MCP tools →

Financial tools on other servers

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Go deeper

Critical-risk tools in Bunq MCP → Every critical-risk tool this server exposes, in one view.
All critical-risk MCP tools → Every critical-risk tool across the catalogue, and the policy pattern that contains them.
The MCP Attack Database → Documented attack patterns against MCP deployments — and the policies that stop them.
Human-in-the-loop → When a tool call should wait for a person — and when policy can decide alone.
Tool call approval → Approval gates on individual tool calls: auto-allow, prompt, or deny.
How to Add Spending Controls to Any MCP Agent →
Rate Limiting MCP Tool Calls: A Practical Guide →

FAQ

Questions about createDraftPayment

What does the createDraftPayment tool do? +

Create draft payments with optional scheduling (requires review / approval in. It is categorised as a Financial tool in the Bunq MCP MCP Server, which means it involves financial transactions. Block by default and require explicit approval.

How do I enforce a policy on createDraftPayment? +

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

What risk level is createDraftPayment? +

createDraftPayment 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 createDraftPayment? +

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

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

createDraftPayment is provided by the Bunq MCP server (wilcokruijer/bunq-mcp). PolicyLayer sits as a proxy in front of this server to enforce policies before tool calls reach the server.

Enforce policy on every Bunq MCP tool call.

Start from Bunq MCP, add the rest of your stack, and see everything your agents can call. Then put policy on all of it.

CHECK YOUR STACK →