PayBridge

PayBridge MCP — Documentation "PayBridge doesn't move money. It moves intelligent information so money moves as efficiently as possible."

AI-native payment broker for MCP agents. 74 connectors · 119 tools · zero custody · Sprints 1–33.

Quick Start Only one required secret:

AUDIT_HMAC_SECRET node -e "console.log(require('crypto').randomBytes(32).toString('hex'))" Set in MCPize Credentials → deploy → call health_check.

Architecture ┌─────────────────────────────────────────────┐ │ PayBridge Intelligence Layer │ │ │ │ Compliance → Routing → Execution Pkg │ │ (OFAC/EU) (Dijkstra) (instructions) │ └─────────────────────────────────────────────┘ ↕ No keys. No custody. No execution. Operator agent executes with own credentials. Three architectural planes:

Compliance Gateway — fail-closed OFAC/UN/EU/UK/BIS/OpenSanctions screening Intelligence Engine — PathBridge graph (74 connectors, bidirectional Dijkstra) Execution Layer — returns instructions; agent executes with its own keys Tool Reference (119 tools) Core Routing & Payments Tool Price Description health_check $0.00 Server + graph integrity check. Use to confirm deployment. payment_initiate $0.01 Compliance gateway. OFAC/EU/UN/UK/BIS. Returns APPROVED/PENDING_KYC/BLOCKED. get_best_execution_path $0.02 Multi-hop Dijkstra across 74 connectors. Optimize: cost/speed/balanced/safe. simulate_payment $0.02 Rate-locked 30-min quote. Returns exact fee, FX rate, recipient_gets_local. get_execution_instructions $0.03 Converts simulation → executable API payloads per connector. quick_route $0.03 Compliance + path + simulation in one call. Best for high-frequency use. verify_account $0.01 Validates CLABE/IBAN/CVU/CBU/ABA/wallet. Prevents failed payments. get_transaction_status $0.01 HMAC-signed audit record for completed transaction. estimate_fees $0.01 Fast indicative fee + live FX rate. Does not lock rate. list_corridors $0.01 Discovery: coverage summary, connector list, corridors by region/currency. split_payment $0.03 Distribute one payment to multiple recipients (fan-out). batch_payment $0.01 Process up to 500 payments in one call with per-item status. generate_execution_bundle $0.05 ERC-7683 cross-chain intent + Gnosis Safe multisig proposal. get_fallback_route $0.02 Returns alternative path when primary connector fails. get_payment_offer $0.01 Generate a payment offer link for a specific amount. validate_payment_offer $0.01 Validate and accept a received payment offer. generate_payment_offer $0.01 Create P2P payment offer (dynamic discounting). Compliance & Sanctions Tool Price Description payment_initiate $0.01 Primary compliance gate (OFAC SDN, EU consolidated, UN, UK, BIS CSL). generate_travel_rule_payload $0.01 FATF Travel Rule IVMS-101 payload for crypto transfers > $1K. generate_non_custodial_proof $0.00 Architectural attestation: proves PayBridge never holds funds. audit_credentials_posture $0.00 Checks which optional API keys are configured. scrub_address_poisoning $0.00 Detects vanity address attacks before payment execution. monitor_sanction_contagion $0.03 UBO tracking 4 levels deep via OpenSanctions (100+ lists). assess_russia_sanctions_exposure $0.02 OFAC 50% Rule, SSI list, GOE matching, post-2022 evasion detection. FX, Hedging & Derivatives Tool Price Description quote_fx_hedge $0.02 Deliverable FX forward quote. execute_dynamic_hedge $0.02 Pre-authorized hedge. Auto-triggers on data conditions. compare_hedge_instruments $0.02 ETF vs Options vs DeFi Synthetic. Total Cost of Coverage optimizer. execute_ndf_contract $0.02 Non-Deliverable Forward for ARS/BRL/CNY/KRW/INR/TRY/NGN + 8 more. CIP pricing. execute_interest_rate_swap $0.02 Lock variable DeFi rate to fixed via Pendle Finance PT/YT. execute_parametric_insurance $0.01 Oracle-triggered payout (Río Paraná levels, weather, cargo delay). execute_commodity_swap $0.02 Fixed-vs-floating for Henry Hub/TTF/iron ore/copper/steel. hedge_inflation_basket $0.02 Auto-rotate to TIPS/PAXG/commodities on TIPS breakeven breach. execute_freight_derivative_hedge $0.02 BDI-based FFA for maritime freight cost hedging. generate_hedge_accounting_ledger $0.02 IFRS 9 / FASB ASC 815: designation doc, 80-125% effectiveness test, OCI journal entries. Treasury & Yield Tool Price Description get_yield_rates $0.01 DeFi + RWA yield rates. Includes sUSDe (synthetic, flagged separately). sweep_to_yield $0.02 Deploy idle USDC to optimal yield tier (sDAI/FOBXX/OUSG/VBILL/BUIDL). rebalance_treasury $0.03 Move capital between yield protocols based on rate changes. get_rwa_treasury_quote $0.02 Compare BUIDL/VBILL/FOBXX/OUSG/USDtb by yield, KYC tier, collateral use. monitor_yield_curves $0.01 SOFR/Treasury vs DeFi spread. FRED API live data. leverage_treasury_credit $0.02 Borrow against sDAI/OUSG/VBILL (Euler) collateral. monitor_treasury_pnl $0.02 MtM, APY drift detection, hedge effectiveness. Autonomous rebalance trigger. analyze_structured_product $0.02 Tranche waterfall, NAV stress test, Greeks (Δ/Γ/Θ/V), cap opportunity detection. calculate_carry_trade_strategy $0.02 ARS/TNA arbitrage, break-even FX, JPY carry. Accounts Receivable & Payable Tool Price Description reconcile_inbound_ledger $0.02 AR matching engine: matches bank statements to open invoices. execute_smart_dunning $0.01 Automated late payment management with escalation logic. optimize_ar_financing $0.02 Ranks all 4 AR options by TCC: P2P / self-arb / DeFi / reverse factoring. get_factoring_quote $0.01 DeFi factoring quotes: Centrifuge/Maple/Credix/Goldfinch. create_smart_invoice $0.01 Tokenized invoice on Request Network. orchestrate_deep_tier_factoring $0.02 Reverse factoring: anchor extends credit to tier-2/3 suppliers. arbitrage_credit_lines $0.02 Self-arbitrage: borrow against DeFi collateral vs factoring cost. Global Payroll & Corporate Cards Tool Price Description orchestrate_global_payroll $0.03 Multi-currency payroll with country-specific tax withholding. initiate_liquidity_stream $0.02 Superfluid/Sablier per-second payment streaming. fund_corporate_cards_dynamic $0.02 Just-in-Time card funding in <2 seconds (Stripe Issuing/Jeeves). audit_employee_expense_policy $0.01 T&E receipt audit (vision model + policy engine). Auto-deduction to payroll. Tax & Compliance Calculations Tool Price Description calculate_vat $0.01 VAT/GST for 40+ jurisdictions. Real-time rates. calculate_jurisdictional_tax_route $0.02 Optimal withholding tax route (treaty benefits). calculate_cbam $0.02 EU Carbon Border Adjustment Mechanism cost calculator. generate_tax_localization_ledger $0.02 AFIP/IRS/SII tax ledger generation (informational). optimize_transfer_pricing_margins $0.02 Real-time arm's length compliance. OECD TNMM/Cost Plus/CUP. BEPS Actions 8-10. Macro Intelligence & Risk Tool Price Description get_macro_context $0.01 VIX, Fear & Greed, central bank calendar, geopolitical signals. simulate_liquidity_stress_test $0.01 Stress test: T+2 penalty, corridor disruption scenarios. simulate_black_swan_cyberattack $0.01 ERP ransomware/DDoS/smart contract exploit stress test. set_data_alert $0.01 Monitor any data endpoint and trigger PayBridge actions. Escrow & Trade Finance Tool Price Description generate_bol_escrow $0.03 DCSA eBL-linked escrow. Funds release on title transfer condition. orchestrate_m_a_earn_out $0.03 M&A earn-out escrow with milestone conditions. orchestrate_atomic_lien_waiver $0.03 Multi-party simultaneous payment. All sign waiver or no one gets paid. manage_escrow_source_code $0.02 SAST/DAST oracle (Snyk/Semgrep) releases code delivery payment. verify_physical_milestone_oracle $0.02 Construction drawdown oracle. DroneDeploy/BIM attestation. M&A & Corporate Development Tool Price Description execute_zk_treasury_audit $0.02 M&A due diligence ZK-proof. Multi-claim: balance > X AND debt < Y. monitor_debt_covenant_breach $0.02 LBO covenant sentinel with defensive action playbook. execute_tax_loss_harvesting $0.02 Realize tax losses to optimize balance sheet. orchestrate_syndicated_loan $0.03 Syndicated loan arrangement and distribution. stream_equity_vesting $0.02 On-chain equity vesting schedule management. execute_dividend_reinvestment_plan $0.01 DRIP automation: reinvest_all/pct/skip per shareholder. DeFi Infrastructure Tool Price Description check_pool_liquidity $0.01 Verifies DeFi pool depth before routing. get_gas_estimate $0.01 Gas cost estimate across L1/L2 chains. monitor_gas_tank $0.01 ERC-4337 paymaster balance monitoring. optimize_intraday_collateral $0.02 Intraday collateral efficiency optimization. arbitrage_defi_rates $0.02 Cross-protocol yield arbitrage identification. verify_zero_knowledge_solvency $0.02 ZK range proof: prove balance > X without revealing exact amount. RWA & Tokenized Assets Tool Price Description get_rwa_treasury_quote $0.02 Compare all tokenized T-bill instruments (rwa.xyz data). tokenize_warehouse_inventory $0.03 Warehouse Receipt Token (ERC-1155) → DeFi collateral → USDC loan. liquidate_tokenized_real_estate $0.02 RealT/other RWA liquidation for emergency liquidity. leverage_treasury_credit $0.02 VBILL (Euler) + OUSG (Flux) as regulated DeFi collateral. Commodity & Energy Tool Price Description monitor_commodity_price_oracle $0.01 Live commodity prices: steel, copper, oil, gas, iron ore. calculate_demurrage $0.02 Maritime demurrage cost calculation. execute_freight_derivative_hedge $0.02 BDI/FFA-based freight cost hedging. execute_commodity_swap $0.02 Fixed-vs-floating energy/metals swap. Daily USDC settlement. LATAM Intelligence Tool Price Description calculate_vat $0.01 AFIP/SAT/DIAN/SII + 37 other jurisdictions. validate_local_invoice_compliance $0.01 CAE (Argentina), CFDI (Mexico), DIAN (Colombia) validation. calculate_carry_trade_strategy $0.02 ARS TNA arbitrage. Tipo de Cambio de Indiferencia. JPY carry. optimize_intercompany_flow $0.02 LATAM intercompany netting with TP compliance. B2C / Embedded Finance (B2B2C) Tool Price Description calculate_installment_arbitrage $0.01 Cuotas vs contado optimizer. Break-even yield for LATAM consumers. plan_salary_hedging $0.01 USDC income → weekly ARS liquidation plan. Carry optimization. Advanced Corporate Finance Tool Price Description calculate_multilateral_netting $0.02 Multi-entity netting matrix. Net settlement vs gross. calculate_carry_trade_strategy $0.02 Carry trade with covered interest rate parity. optimize_ar_financing $0.02 Full AR decision tree: ranks 4 options by Total Cost. optimize_transfer_pricing_margins $0.02 OECD arm's length screening. BEPS 8-10. issue_commercial_paper $0.03 Short-term commercial paper issuance. generate_hedge_accounting_ledger $0.02 IFRS 9 / FASB ASC 815 complete hedge accounting package. Operational Tools Tool Price Description get_audit_summary $0.00 Returns audit log summary for the current session. audit_prompt_safety $0.00 Detects prompt injection attempts in agent inputs. calculate_agent_reputation_score $0.01 Trust score for agent-to-agent payment rail selection. monitor_smart_contract_conditions $0.02 Monitor on-chain conditions and trigger actions. initiate_smart_dispute $0.02 Kleros-based on-chain dispute resolution. 74 Connectors Payment Networks Wise, SWIFT/SEPA, Mastercard Send, PayPal, Stripe, Square, Dwolla, ACH Network, CHAPS, BACS, SPEI (Mexico), PIX (Brazil), UPI (India), SINPE (Costa Rica)

Crypto Exchanges & Wallets Binance, Coinbase, Kraken, KuCoin, OKX, Bybit, Belo, Bitso, Luno, Paxful, LocalBitcoins

LATAM Specialists MercadoPago, Rappi Pay, Cuentas DNI, BBVA Connect, Banorte Digital, Nequi (Colombia), Daviplata, Yape (Peru), Tunki

DeFi Protocols Aave (Base), Morpho, Compound, Uniswap, Curve, Balancer, 1inch, CoW Protocol, Synthetix, GMX, dYdX, Pendle Finance, Centrifuge, Maple Finance, Goldfinch, Credix, Request Network, Superfluid, Sablier, 0xSplits, Railgun

RWA & Institutional Ondo Finance (OUSG), BlackRock (BUIDL), VanEck (VBILL), Franklin Templeton (FOBXX), Ethena (USDtb), Securitize

Stablecoins & On-ramps USDC (Circle), USDT (Tether), PYUSD (PayPal/Paxos), FDUSD (First Digital), XSGD (StraitsX), EURS (STASIS), DAI/sDAI, sUSDe

Infrastructure Thorchain, LiFi, Wormhole, Axelar, Stargate Finance, Chainlink CCIP, Fireblocks, Gnosis Safe, Biconomy (ERC-4337)

Secrets Reference Secret Required Used by AUDIT_HMAC_SECRET YES All audit log signing + ZK proofs WISE_API_KEY no Live FX rates MERCADOPAGO_ACCESS_TOKEN no Live MercadoPago fees COMPLY_ADVANTAGE_API_KEY no Live sanctions screening CHAINALYSIS_API_KEY no Live crypto AML PERSONA_API_KEY no Auto KYC link generation TINK_CLIENT_ID/SECRET no EU/UK Open Banking balance PROMETEO_API_KEY no LATAM Open Banking balance PLAID_CLIENT_ID/SECRET no US/CA balance check FIREBLOCKS_API_KEY/SECRET no Fireblocks execution mode BICONOMY_API_KEY no ERC-4337 gasless payments KUCOIN_API_KEY/SECRET/PASSPHRASE no KuCoin V3 live rates + execution FRED_API_KEY no Live SOFR/TIPS breakeven data SNYK_API_TOKEN no manage_escrow_source_code SAST DRONEDEPLOY_API_KEY no verify_physical_milestone_oracle NOTABENE_API_KEY no Travel Rule (IVMS-101) live TRADE_GOV_API_KEY no BIS Entity List live SUPABASE_URL/ANON_KEY no SimulationStore persistence PAYBRIDGE_WALLET_ALLOWLIST no Destination wallet allowlist ALLOW_US_PERSONS no Set "true" after FinCEN MSB Typical Workflows Cross-border payment payment_initiate → get_best_execution_path → simulate_payment → generate_execution_bundle → [execute] → get_transaction_status Corporate treasury (idle capital) monitor_yield_curves → get_rwa_treasury_quote → sweep_to_yield → monitor_treasury_pnl → (drift?) → rebalance_treasury LATAM carry trade calculate_carry_trade_strategy → execute_ndf_contract → monitor_treasury_pnl → calculate_carry_trade_strategy (exit timing) CAPEX construction payment verify_physical_milestone_oracle → orchestrate_atomic_lien_waiver → split_payment → get_transaction_status M&A due diligence execute_zk_treasury_audit → monitor_debt_covenant_breach → generate_hedge_accounting_ledger → execute_zk_treasury_audit (verify) Hedge + compliance documentation execute_commodity_swap / execute_ndf_contract → generate_hedge_accounting_ledger (IFRS 9 designation) → monitor_treasury_pnl (effectiveness monitoring) Operator Model Zero custody. Zero execution. Zero keys.

PayBridge generates routing intelligence and executable instructions. Your agent executes with its own credentials stored in MCPize secrets. PayBridge never holds funds, never executes transactions, never stores private keys.

Non-custodial proof: call generate_non_custodial_proof to receive a signed architectural attestation.

Compliance Notes US persons: ALLOW_US_PERSONS must be set to "true" after completing FinCEN MSB registration. Default blocks US-origin payments. Russia sanctions: assess_russia_sanctions_exposure implements OFAC 50% Rule, SSI list, GOE detection beyond standard SDN screening. USDT-TRC20: Valid settlement rail for LATAM/Africa/SE Asia corridors. Enhanced due diligence for amounts > $10K per FinCEN FIN-2023-A001. KYC thresholds: Configurable per operator. Default triggers PERSONA_API_KEY link generation above threshold. Hedge accounting: generate_hedge_accounting_ledger output requires certified accountant review before inclusion in financial statements. Source github.com/carlosalbertorussell/paybridge-mcp

74 connectors · 119 tools · Sprints 1–33 · May 2026