TrueLayer MCP Integration for AI assistants

An experimental project connecting TrueLayer APIs and an AI assistant, like Claude AI.

This project provides a Truelayer Model Context Protocol (MCP) server that enables an AI assistant, like Claude AI, to interact with TrueLayer's financial APIs. It allows the AI assistant to perform various banking and payment operations through TrueLayer's services.

⚠️ DISCLAIMER ⚠️

This project is for demonstration purposes only. It is not officially supported or maintained by TrueLayer, does not form a part of the services we contractually provide you with and we are not responsible for the outcome of your use. Use at your own risk. This integration may break with API changes.

By using this MCP server with an external LLM you are trusting an external third party with the handling of the data retrieved from the TrueLayer API.

Features

The integration allows an AI assistant to execute some of the TrueLayer actions directly from the assistant chat.

These functions allow you to perform common payment operations like retrieving account information, creating payment links for customers, sending payouts to beneficiaries, and reviewing transaction history.

Given that AI assistants may not always produce deterministic behaviors, and for safe and isolated testing, we recommend testing the MCP server in the TrueLayer Sandbox environment.

Product coverage

The server covers part of the TrueLayer API. 🟡 means some operations are available and others aren't; ❌ means the product isn't covered at all. The "Not covered" column lists the main gaps and isn't exhaustive; see the TrueLayer API reference for everything each product offers.

Product	Status	Tools	Not covered
Payments	🟡	truelayer-get-payment	Creating a payment directly (outside a payment link), choosing the bank for the user, the authorization flow, cancelling, refunds, listing payments
Payment links	🟡	truelayer-create-payment-link, truelayer-get-payment-link	Links other than single payments, listing a link's payments, disabling a link
Payouts	🟡	truelayer-create-payout, truelayer-get-payout	Payouts to anything other than an external account (back to a payment source, to a business account), cancelling, listing payouts
Merchant accounts	🟡	truelayer-get-merchant-account, truelayer-list-merchant-accounts, truelayer-list-transactions	Payment sources, sweeping
Mandates and variable recurring payments (VRP)	❌		Creating, getting, listing and revoking mandates, funds checks, constraints, payments under a mandate
Data API (account information)	❌		Accounts, balances, transactions, cards and standing orders, and the user consent flow they require
Verification	❌		Account holder name verification
Signup+	❌		Identity data for onboarding
Providers	❌		Searching for and looking up banks
Webhooks	❌		Status change notifications; the tools poll instead, as a local stdio server can't receive webhooks

The payout tools need the paydirect token scope, which is only available if Payouts is enabled on your client (see TRUELAYER_TOKEN_SCOPE below).

Setup

Prerequisites

• Node.js (v22 or later)
• npm or yarn
• A TrueLayer account with API credentials

Installation

1. Clone this repository:

git clone <repository-url>
cd truelayer_mcp

2. Install dependencies:

npm install

3. Configure your TrueLayer credentials. The server reads them from environment variables, or from a .env file in the project root (next to package.json):

cp .env.example .env

Fill in .env:

Variable	Required	Description
TRUELAYER_ENV	no	sandbox (default) or production
TRUELAYER_CLIENT_ID	yes	Client ID from the Console
TRUELAYER_CLIENT_SECRET or TRUELAYER_CLIENT_SECRET_FILE	yes	Client secret, inline or as a path to a file containing it
TRUELAYER_KID	yes	Key ID of the signing public key uploaded to the Console
TRUELAYER_PRIVATE_KEY_FILE or TRUELAYER_PRIVATE_KEY	yes	EC P-521 signing private key, as a path or inline PEM (\n for line breaks)
TRUELAYER_MERCHANT_ACCOUNT_ID	yes	Default merchant account for the tools
TRUELAYER_TOKEN_SCOPE	no	Token scopes, default paydirect payments. Use payments if Payouts isn't enabled on your client (the token request otherwise fails with invalid_scope).
TRUELAYER_ENV_FILE	no	Load the .env file from another path

Variables already set in the environment take precedence over .env. The server checks the configuration at startup and exits listing anything missing. .env is gitignored; prefer the _FILE variants so secrets stay in files only you can read (chmod 600).

4. Build the project:

npm run build

Development

The project uses Biome for linting and formatting:

npm run lint   # check lint and formatting
npm run fix    # apply safe fixes and format

Configuration with Claude Desktop

To use this MCP server with Claude Desktop:

1. Locate your Claude Desktop configuration file:

   • macOS: ~/Library/Application Support/Claude/claude_desktop_config.json
   • Windows: %APPDATA%\Claude\claude_desktop_config.json

2. Add the TrueLayer MCP server to your configuration:

{
	"mcpServers": {
		"truelayer": {
			"command": "node",
			"args": ["/path/to/truelayer_mcp/build/index.js"]
		}
	}
}

Replace /path/to/truelayer_mcp with the actual path to this project on your system. The server picks up .env from the project root wherever the client starts it; alternatively, pass the variables in the server's "env" block, which overrides .env.

Using with Claude

Once configured, you can ask Claude to perform TrueLayer operations. Here are some example prompts:

• "Create a payout of £100 to account number 12345678 with sort code 01-02-03."
• "Generate a payment link for £50."
• "List all transactions between 2023-01-01 and 2023-01-31."

When you ask Claude about these operations, it will use the MCP server to execute them through the TrueLayer API.

Available Tools

The MCP server exposes these tools:

• truelayer-get-merchant-account: Retrieve merchant account details
• truelayer-get-payment: Get details of a specific payment
• truelayer-get-payment-link: Get details of a specific payment link
• truelayer-get-payout: Get details of a specific payout
• truelayer-create-payout: Create a new payout to an external account
• truelayer-create-payment-link: Create a payment link for bank transfers
• truelayer-list-transactions: Get a list of transactions for a merchant account (defaults to the last 30 days if no dates provided)

License

MIT. See LICENSE.