Junto Mcp

Name: Junto Mcp
Author: vrllrv

@vrllrv

About Junto Mcp

The payment protocol for people and agents. One MCP server, any payment rail. Multi-provider routing (Woovi/Pix, Stripe, Belvo), spending guardrails, human-in-the-loop confirmation, and audit logging.

#payments #pix #stripe #mcp #ai-agents #agentic-payments #open-finance #fintech

Basic information

Config

Add this server to your MCP-compatible client using the configuration below.

{
  "mcpServers": {
    "junto-mcp": {
      "command": "npx",
      "args": [
        "-y",
        "junto-mcp"
      ],
      "env": {
        "WOOVI_APP_ID": "your-woovi-app-id",
        "JUNTO_DAILY_LIMIT": "50000",
        "JUNTO_TX_MAX": "10000",
        "JUNTO_CONFIRM_ABOVE": "5000"
      }
    }
  }
}

Tools

Send money to a destination (Pix key, email, IBAN, etc.)

Create a payment request / invoice / QR code

Check payment status by correlation ID

Reverse a completed transaction

Check available funds on a provider

List configured providers and their capabilities

Show spending limits and today's usage

Overview

What is Junto Mcp?

Junto Mcp is a payment protocol that lets AI assistants send and receive money through any payment rail, with built-in guardrails and human-in-the-loop confirmation. It exposes a universal payment toolkit to any MCP-compatible client like Claude or Cursor.

How to use Junto Mcp?

Install globally with npm install -g junto-mcp, set your provider API key (e.g., WOOVI_APP_ID), then run junto-mcp. For Claude Desktop or Cursor, add the server configuration in the mcpServers JSON block with the appropriate environment variables.

Key features of Junto Mcp

Universal payment toolkit accessible via MCP protocol
Supports pay, charge, status, refund, balance, providers, and limits tools
Configurable spending limits per day and per transaction
Human-in-the-loop confirmation for high-value payments
Provider allowlisting and destination type filtering
Full audit ledger stored as JSONL files

Use cases of Junto Mcp

Pay invoices or split bills directly through an AI assistant
Send instant Pix payments in Brazil via Woovi
Create payment requests or QR codes for remote agents
Automate recurring payments with Pix Automático
Enable agent-to-agent budget delegation (planned)

FAQ from Junto Mcp

What payment providers are supported?

Woovi/OpenPix (Pix in Brazil) is currently shipped. Belvo, Stripe, Wise, Mercado Pago, and PayPal are planned.

What are the default guardrail limits?

Daily limit defaults to 50,000 cents (R$500), per-transaction maximum is 20,000 cents (R$200), and human confirmation is required above 5,000 cents (R$50). All amounts are in the smallest currency unit.

How does human-in-the-loop confirmation work?

When a transaction exceeds the JUNTO_CONFIRM_ABOVE threshold, the server pauses and returns a confirmation prompt. The agent must relay the details to the user and receive approval before proceeding.

Where is the audit log stored?

Every transaction is logged to ~/.junto/audit-YYYY-MM-DD.jsonl with timestamp, action, amount, provider, destination, and status.

How do I add a new provider?

Implement the PaymentProvider interface (pay, charge, status, refund, balance, info methods) in a single file, then register it in src/index.ts. A template is available at src/providers/_template.ts.