Add it to Claude Code
claude mcp add -e "WOOVI_APP_ID=${WOOVI_APP_ID}" junto-mcp -- npx -y junto-mcpWOOVI_APP_ID+ 5 optionalMake your agent remember this setup
junto-mcp's config, env vars, and the gotchas you hit — recalled in every future Claude Code, Cursor, and Codex session.
npx conare@latestFree · one command · indexes the sessions already on disk. Set up in the browser instead →
What it does
- Universal payment toolkit for multiple rails and providers
- Built-in guardrails including daily and per-transaction spending limits
- Human-in-the-loop confirmation for high-value transactions
- JSONL audit trail for every action taken
- Multi-provider routing based on currency and country
Tools 7
paySend money to a destination (Pix key, email, IBAN, etc.)chargeCreate a payment request / invoice / QR codestatusCheck payment status by correlation IDrefundReverse a completed transactionbalanceCheck available funds on a providerprovidersList configured providers and their capabilitieslimitsShow spending limits and today's usageEnvironment Variables
WOOVI_APP_IDrequiredAPI identifier for Woovi providerJUNTO_DAILY_LIMITMax total spend per day in centsJUNTO_PER_TX_MAXMax single transaction amount in centsJUNTO_CONFIRM_ABOVEThreshold in cents to trigger human-in-the-loop confirmationJUNTO_ALLOWED_PROVIDERSComma-separated allowlist of payment providersJUNTO_ALLOWED_DESTINATIONSComma-separated allowlist of destination typesTry it
Original README from vrllrv/junto-mcp
Junto
The payment protocol for people and agents.
Send and receive money through any AI assistant. Any payment rail. Built-in guardrails.
Named after Benjamin Franklin's Junto — a society of tradesmen who built civic infrastructure together. Different providers, same table, mutual benefit.
Why
AI assistants are starting to move real money — paying invoices, splitting bills, sending transfers. But every payment provider has a different API, different auth, different settlement times. Nobody should have to teach their assistant how Pix works vs Stripe vs Wise.
Junto fixes that with one MCP server that:
- Exposes a universal payment toolkit to any MCP-compatible client (Claude, Cursor, custom agents)
- Routes to the right provider based on currency, country, and rail
- Enforces spending limits so agents can't go rogue
- Supports human-in-the-loop confirmation for high-value transactions
- Logs every action for audit and accountability
Tools
| Tool | Description |
|---|---|
pay |
Send money to a destination (Pix key, email, IBAN, etc.) |
charge |
Create a payment request / invoice / QR code |
status |
Check payment status by correlation ID |
refund |
Reverse a completed transaction |
balance |
Check available funds on a provider |
providers |
List configured providers and their capabilities |
limits |
Show spending limits and today's usage |
Quick Start
npm install -g junto-mcp
Set your provider API key:
export WOOVI_APP_ID="your-woovi-app-id"
Run as CLI (human mode):
junto pay 25.00 [email protected]
junto charge 10.00 "Coffee"
junto balance
Run as MCP server (for AI clients):
junto --mcp
Portuguese / Portugues
Junto auto-detects your system language, or set manually:
JUNTO_LANG=pt-BR junto ajuda
junto pagar 25.00 [email protected]
junto cobrar 10.00 "Cafe"
junto saldo
See CLI.md for the full command reference in both languages.
Add to Claude Desktop or Cursor
{
"mcpServers": {
"junto": {
"command": "npx",
"args": ["-y", "junto-mcp"],
"env": {
"WOOVI_APP_ID": "your-woovi-app-id"
}
}
}
}
That's it. Your AI assistant now has payment tools.
Guardrails
All amounts are in cents (smallest currency unit).
| Setting | Env Var | Default | Meaning |
|---|---|---|---|
| Daily limit | JUNTO_DAILY_LIMIT |
50000 (R$500) | Max total spend per day |
| Per-tx max | JUNTO_PER_TX_MAX |
20000 (R$200) | Max single transaction |
| Confirm above | JUNTO_CONFIRM_ABOVE |
5000 (R$50) | Ask human before sending |
| Allowed providers | JUNTO_ALLOWED_PROVIDERS |
(all) | Comma-separated allowlist |
| Allowed destinations | JUNTO_ALLOWED_DESTINATIONS |
(all) | Comma-separated type allowlist |
When an agent tries to send above the JUNTO_CONFIRM_ABOVE threshold, the server pauses and returns a confirmation prompt. The agent must relay this to the user and get approval before proceeding.
⚠️ Confirmation required
Amount: BRL 150.00
To: [email protected]
Reason: Amount (15000 cents) exceeds confirmation threshold (5000 cents)
Please confirm with the user before proceeding.
Architecture
┌─────────────────────────────────────┐
│ MCP Client (Claude, Cursor, etc.) │
└──────────────┬──────────────────────┘
│ MCP Protocol (stdio)
┌──────────────▼──────────────────────┐
│ junto-mcp │
│ │
│ ┌───────────┐ ┌────────────────┐ │
│ │ Router │ │ Guardrails │ │
│ │ (picks │ │ (spend caps, │ │
│ │ provider) │ │ HITL confirm, │ │
│ │ │ │ audit log) │ │
│ └─────┬─────┘ └────────────────┘ │
│ │ │
│ ┌─────▼─────────────────────────┐ │
│ │ Provider Adapters │ │
│ │ ┌────────┐ ┌──────┐ ┌────┐ │ │
│ │ │ Woovi │ │Stripe│ │Wise│ │ │
│ │ └────────┘ └──────┘ └────┘ │ │
│ └───────────────────────────────┘ │
│ │
│ ┌───────────────────────────────┐ │
│ │ Audit Ledger (JSONL) │ │
│ └───────────────────────────────┘ │
└─────────────────────────────────────┘
Providers
| Provider | Region | Rails | Status |
|---|---|---|---|
| Woovi/OpenPix | Brazil | Pix | 🟢 Live (tested with real Pix transactions) |
| Ebanx | Brazil + LATAM | Pix payouts, Boleto, Cards | 🟡 Next |
| Belvo | Brazil | Open Finance (all banks) | 🟡 Next |
| Stripe | Global | Cards, ACH, SEPA | 🟡 Next |
| Wise | Global | Bank transfers | 🔴 Planned |
| Mercado Pago | LATAM | Pix, Cards | 🔴 Planned |
| PayPal | Global | Email-based | 🔴 Planned |
Why Woovi/Pix first?
- Pix settles instantly (perfect for demos and real use)
- Brazil's Central Bank mandates open APIs for payments
- 180M+ Pix users, 8