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Finmo MCP for AI Agents

Securely connect your AI agents and chatbots (Claude, ChatGPT, Cursor, etc) with Finmo MCP or direct API to review transactions, manage payouts, track wallet balances, and monitor virtual accounts through natural language.

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Api Key

Finmo is a business payments platform for collections, payouts, wallets, FX, virtual accounts, and transaction management. It helps teams move money faster while managing multi-currency operations in one place.

19 Tools

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Type what you want done — sign in and watch it run live in the Tool Router playground.

TOOL ROUTER PLAYGROUND
Finmo
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TOOLS

Supported Tools

Every Finmo action and event your agent gets out of the box.

Create Customer

Create a real production Finmo customer profile containing personal or company identity data.

Create Payin

Create a real production payin that can collect money from a customer and credit a customer or merchant wallet.

Create Payout

Send real production funds from a Finmo wallet to a beneficiary.

Create Payout Beneficiary

Create a real payout beneficiary in the connected Finmo production account.

Create Refund

Issue a real production full refund for a completed Finmo payin.

Get Payin Method Requirements

Return the dynamic required fields, validation regexes, limits, instructions, and capabilities for one Finmo payin method.

Get Payment

Get one payin, payout, or refund by its Finmo reference ID.

Get Payout Method Requirements

Return the dynamic payout, beneficiary, and sender field requirements for one Finmo payout method.

Get Wallet

Get one wallet and its currency accounts, including actual and available balances.

List Customers

List one page of individual or company customer profiles and wallet-readiness state.

List Payin Methods

List one page of enabled ways to collect money for a country and currency, with a continuation cursor when more results exist.

List Payins

List inbound payment attempts with status, method, customer, wallet, and time filters.

List Payout Beneficiaries

List one page of stored payout beneficiaries and their destination details.

List Payout Methods

List one page of enabled payout rails for a sender and beneficiary country/currency pair.

List Payouts

List one page of outbound payments with status, payout method, and time filters.

List Refunds

List one page of refunds with status, originating payin, amount, and time filters.

List Transactions

List organization-level financial transactions for reconciliation, filtered by customer, event type, settlement, reconciliation, or time.

List Wallets

List one page of Finmo wallets available to the connected organization or a customer.

Transfer Wallet Funds

Move real production funds immediately between two Finmo wallets.

SETUP GUIDE

Connect Finmo MCP Tool with your Agent

1

Install Composio

typescript
npm install @composio/core ai @ai-sdk/openai @ai-sdk/mcp
Install the Composio SDK for Python or TypeScript
2

Initialize Client and Create Tool Router Session

typescript
import { Composio } from '@composio/core';

const composio = new Composio({ apiKey: 'your-api-key' });
const session = await composio.create('your-user-id');
console.log(`Tool Router session created: ${session.mcp.url}`);
Import and initialize the Composio client, then create a Tool Router session for Finmo
3

Connect to AI Agent

typescript
import { openai } from '@ai-sdk/openai';
import { experimental_createMCPClient as createMCPClient } from '@ai-sdk/mcp';
import { generateText } from 'ai';

const client = await createMCPClient({
  transport: {
    type: 'http',
    url: session.mcp.url,
    headers: {
      'x-api-key': 'your-composio-api-key',
    },
  },
});

const tools = await client.tools();
const { text } = await generateText({
  model: openai('gpt-4o'),
  tools,
  messages: [{
    role: 'user',
    content: 'List recent Finmo transactions from the last 7 days and summarize totals by currency'
  }],
  maxSteps: 5,
});

console.log(`Agent: ${text}`);
Use the MCP server with your AI agent (Anthropic Claude or Mastra)
SETUP GUIDE

Connect Finmo API Tool with your Agent

1

Install Composio

typescript
npm install @composio/openai
Install the Composio SDK
2

Initialize Composio and Create Tool Router Session

typescript
import OpenAI from 'openai';
import { Composio } from '@composio/core';
import { OpenAIResponsesProvider } from '@composio/openai';

const composio = new Composio({
  provider: new OpenAIResponsesProvider(),
});
const openai = new OpenAI({});
const session = await composio.create('your-user-id');
Import and initialize Composio client, then create a Tool Router session
3

Execute Finmo Tools via Tool Router with Your Agent

typescript
const tools = session.tools;
const response = await openai.responses.create({
  model: 'gpt-4.1',
  tools: tools,
  input: [{
    role: 'user',
    content: 'List recent Finmo transactions from the last 7 days and summarize totals by currency'
  }],
});
const result = await composio.provider.handleToolCalls(
  'your-user-id',
  response.output
);
console.log(result);
Get tools from Tool Router session and execute Finmo actions with your Agent

Why Use Composio?

AI Native Finmo Integration

  • Supports both Finmo MCP and direct API based integrations
  • Structured, LLM-friendly schemas for reliable payment and transaction workflows
  • Rich coverage for querying Finmo transactions, payouts, wallets, FX, and virtual accounts

Managed Auth

  • Securely store Finmo API keys outside your agent code
  • Central place to manage, scope, and revoke Finmo access
  • Per user and per environment credentials instead of hard-coded keys

Agent Optimized Design

  • Tools are tuned using real error and success rates to improve reliability over time
  • Comprehensive execution logs so you always know what ran, when, and on whose behalf
  • Clear tool schemas help agents handle Finmo payment data without guesswork

Enterprise Grade Security

  • Fine-grained RBAC so you control which agents and users can access Finmo
  • Scoped, least privilege access to Finmo payment and account resources
  • Full audit trail of agent actions to support finance reviews and compliance checks
FAQ

Frequently asked questions

Yes, Finmo requires you to configure your own API key. Once set up, Composio handles secure credential storage and API request handling for you.

Yes! Composio's Tool Router enables agents to use multiple toolkits. Learn more.

Composio is SOC 2 and ISO 27001 compliant with all data encrypted in transit and at rest. Learn more.

Composio maintains and updates all toolkit integrations automatically, so your agents always work with the latest API versions.

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Managed auth, hosted MCP servers, and every Finmo tool your agent needs.Free to start.

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