AI agents use create_charge_lightning_address to commit financial operations through Zbd — usually the final step of a payment, billing, or trading workflow. A call moves real money.
This tool creates payment requests in the Lightning Network (Bitcoin layer-2), which constitutes a financial operation that commits cryptocurrency transactions. Even though it generates a request rather than executing settlement, it initiates financial obligations. The context of sibling tools (withdrawal requests, charges, vouchers) confirms this is a financial transaction server.
From the tool's definition Tool name includes 'create_charge' and description states 'Generate a payment request for a Lightning Address.' Lightning Address is a cryptocurrency payment protocol.
Attacks that exploit this kind of access
Generate a payment request for a Lightning Address. It is categorised as a Financial tool in the Zbd MCP Server, which means it involves financial transactions. Block by default and require explicit approval.
Register the Zbd MCP server in PolicyLayer and add a rule for create_charge_lightning_address: 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 Zbd. Nothing to install.
create_charge_lightning_address is a Financial tool with critical risk. Critical-risk tools should be blocked by default and only enabled with explicit human approval.
Yes. Add a rate_limit block to the create_charge_lightning_address 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 create_charge_lightning_address. 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.
create_charge_lightning_address is provided by the Zbd MCP server (zebedeeio/zbd-payments-typescript-sdk). PolicyLayer sits as a proxy in front of this server to enforce policies before tool calls reach the server.
create_charge_lightning_address is one line of Zbd's registry record.
The record carries the whole server: verified identity, auth posture, risk grade, every tool classified, recommended policy — re-checked continuously.
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