Finmo MCP server for AI agents and assistants

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/mcp @ai-sdk/openai
Install the Composio SDK and your agent framework
2

Create a session with MCP enabled

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

const composio = new Composio();
const { mcp } = await composio.create("your-user-id", {
  toolkits: ["finmo"],
  mcp: true,
});
Create a session scoped to Finmo and read its MCP URL and headers
3

Connect your agent to the MCP server

typescript
import { createMCPClient } from "@ai-sdk/mcp";
import { openai } from "@ai-sdk/openai";
import { generateText, stepCountIs } from "ai";

const client = await createMCPClient({
  transport: { type: "http", url: mcp.url, headers: mcp.headers },
});

const { text } = await generateText({
  model: openai("gpt-5.6-sol"),
  tools: await client.tools(),
  prompt: "List recent Finmo transactions from the last 7 days and summarize totals by currency",
  stopWhen: stepCountIs(10),
});

console.log(text);
await client.close();
Pass the session's MCP URL and headers to your agent and run a Finmo request
SETUP GUIDE

Connect Finmo API Tool with your Agent

1

Install Composio

typescript
npm install @composio/core @composio/openai openai
Install the Composio SDK, the OpenAI provider, and the OpenAI SDK
2

Create a Composio session

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

const composio = new Composio({ provider: new OpenAIResponsesProvider() });
const client = new OpenAI();

const session = await composio.create("your-user-id", { toolkits: ["finmo"] });
const tools = await session.tools();
Initialize Composio with the OpenAI Responses provider and create a session scoped to Finmo
3

Run Finmo tools with your agent

typescript
let response = await client.responses.create({
  model: "gpt-5.6-sol",
  tools,
  input: [{ role: "user", content: "List recent Finmo transactions from the last 7 days and summarize totals by currency" }],
});

while (response.output.some((o) => o.type === "function_call")) {
  const outputs = await composio.provider.handleToolCalls(session, response.output);
  response = await client.responses.create({
    model: "gpt-5.6-sol",
    tools,
    previous_response_id: response.id,
    input: outputs,
  });
}

console.log(response.output_text);
Send a request, execute the Finmo tool calls through the session, and print the final answer

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.

Yes. Composio is SOC 2 Type II compliant and is built to keep your Finmo connection and credentials secure. OAuth tokens and API keys are encrypted, and sensitive customer data is protected at rest and in transit.

Composio also undergoes independent security testing and continuously monitors its systems for security threats. You can review the latest reports and policies in the Composio Trust Center.

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

Create the key in your Finmo account settings, then paste it once on Composio's connection page. Composio stores it encrypted and uses it only for the Finmo actions your agent runs. Nobody else in your workspace can read it, and you can revoke it inside Finmo at any time.

When you connect a Finmo account through Composio, every action runs under that account, so anything the agent creates, sends, or changes shows up in Finmo as done by you. Keep an approval step in your prompt for actions with side effects, such as sending or deleting, and have the agent draft first.

Whatever the credentials you connect allow inside Finmo. If Finmo lets you scope a key to specific permissions, create a scoped one so the agent can only do what you intend. You can revoke the key inside Finmo at any time.

Yes. Composio supports multiple connected accounts for the same app, and that works in Claude, ChatGPT, or any other assistant you connect through Composio. Give each Finmo connection a name such as work or personal, and the assistant uses the one you mention in the request. Each account keeps its own credentials and nothing is merged.

The connection stops working the moment Finmo rejects the old key. Create a new key in Finmo and reconnect the account from the Composio dashboard or by asking your agent to reconnect Finmo. Nothing else changes.

Composio's free Hobby plan includes 100,000 tool calls per month with no credit card, which covers most personal Finmo use. Paid plans add higher limits and team features. Your Finmo plan and its API limits still apply as usual.

Built-in connectors usually give one AI access to a limited set of apps. Many people use Composio because it lets their AI connect to more apps than it normally supports, or connect to multiple accounts for the same app (e.g. connect Claude to multiple Finmo accounts).

With Composio, you connect Finmo once and then use it across different AI assistants without setting it up separately in each one. Connect your apps to Composio once, then connect Composio to whichever AI you use, whether that's Claude, ChatGPT, Hermes, or your own custom assistant.

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