Agents

Connect an agent

Add https://api.lipafy.xyz/mcp as a remote MCP server in your agent, then complete Lipafy OAuth when prompted. You can also use a scoped API credential for a server-side automation.

Current Payment MCP Tool Catalogue

  • Autonomous Payments & Paybills:
    • lipafy_pay: Autonomously execute an M-Pesa payment to a Till, PayBill, or beneficiary in a single turn if within workspace policy limits.
    • lipafy_paybill: Dedicated tool to pay Kenyan utilities (KPLC electricity tokens, Nairobi Water, KRA, eCitizen, Internet, Banks) with automated biller resolution.
    • lipafy_search_paybills: Search 100+ verified Kenyan Paybills, Tills, and required account reference formats.
  • Account & Identity:
    • lipafy_whoami: Show the authenticated Lipafy account, credential type, and identity verification status.
    • lipafy_get_wallet: Get current available balance, pending holds, and currency.
  • Merchant Payment Collection (WhatsApp & Chat Commerce):
    • lipafy_collect_payment: Charge customers via on-device M-Pesa STK push directly inside WhatsApp, Telegram, or chat sales flows.
    • lipafy_get_payment_status: Verify customer payment settlement status before fulfilling orders.
  • Wallet Topups & Self-Funding (Interactive STK Push):
    • lipafy_quote_topup_fee, lipafy_initiate_topup, and lipafy_get_topup: Quote deposit fees and trigger an interactive on-device M-Pesa PIN prompt on the owner’s phone.
  • Controlled Intent Workflow:
    • lipafy_quote_payout_fee: Quote Lipafy fee and total wallet debit for external disbursements.
    • lipafy_create_payment_intent, lipafy_list_payment_intents, and lipafy_get_payment_intent: Prepare immutable payment intents.
    • lipafy_list_approval_requests: Inspect approval requests awaiting human review.
    • lipafy_submit_payment_intent: Submit an approved payment intent for telecom dispatch.
    • lipafy_cancel_payment_intent: Cancel an uncompleted intent and immediately release the wallet ledger hold.
  • Beneficiaries & Masked Destinations:
    • lipafy_list_beneficiaries and lipafy_create_beneficiary: Manage workspace destinations (PayBill, Till, M-Pesa phone, PesaLink bank).
  • Internal Wallet-to-Wallet Transfers:
    • lipafy_resolve_internal_recipient, lipafy_quote_internal_transfer, lipafy_confirm_internal_transfer, lipafy_list_internal_transfers, and lipafy_get_internal_transfer.
  • Withdrawals & History:
    • lipafy_create_withdrawal: Withdraw wallet funds to an M-Pesa phone number (flat KES 100 fee).
    • lipafy_list_wallet_transactions and lipafy_get_wallet_transaction: Inspect append-only ledger entries.

Autonomous Mode & Safety Controls

Agent credentials inherit server-enforced workspace policies configured under Controls (/controls):

  1. Approval Threshold: If an autonomous payment (lipafy_pay or lipafy_paybill) is within the approved threshold (e.g. ≤\le KES 1,000), it executes straight-through to M-Pesa in a single turn and returns the M-Pesa tracking ID and transaction receipt.
  2. Human Review Escalation: If the payment exceeds the autonomous threshold or daily budget, Lipafy halts execution, places the exact funds on ledger hold, and returns a human approval URL (https://app.lipafy.xyz/approvals).
  3. Identity Verification: Before executing external payments, the account owner must complete identity verification. If unverified, tools return an actionable link to complete KYC.
  4. Idempotency Guarantee: Every payment uses a unique idempotency_key preventing duplicate debits on retries.

Machine-readable operating instructions are available at https://lipafy.xyz/agent.txt.