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Stablecoins are transforming how money moves across the internet. But unlocking their full potential for businesses requires more than speed — it requires programmable, intelligent infrastructure.
At Fipto, we're building exactly that.
Our Model Context Protocol (MCP) is the orchestration layer for stablecoin payments. It bridges treasury systems with programmable agents, enabling secure, structured, and real-time automation. The Fipto MCP is being delivered in two structured phases, each unlocking a new layer of capability: contextual insight first, then orchestrated action.
Phase 1: Structured Context and Real-Time Observability
The first phase of our MCP (available now) enables full read-only access to treasury data via our secure API. It gives developers, finance teams, and AI agents a unified and structured view of:
- Accounts and wallets
- Entities and relationships
- Transactions and history
- Currency positions and flows
This foundational layer powers:
- Real-time visibility across multiple accounts and entities
- Streamlined compliance workflows (AML/CFT checks, audit preparation)
- Agent-driven observability (AI agents reading treasury states and generating alerts or reports)
- Improved support and internal tooling through contextualised access to financial records
It is the essential infrastructure for intelligent agents — enabling them to make decisions based on full, accurate context.
Phase 2: Orchestrated Action and Payment Execution
The second phase of our MCP will introduce write access and unlocks true payment automation.
It enables:
- Beneficiary creation
- Payment initiation
- End-to-end workflow orchestration across multiple steps
Critically, our MCP doesn't just expose write endpoints — it embeds execution logic to enforce the correct order and compliance of actions. This orchestration engine ensures:
- Sequence enforcement: Beneficiaries are created and verified before payments are triggered.
- Reduced error rates: Multi-step processes no longer fail due to improper API sequencing.
- Workflow abstraction: Developers can issue high-level intents; the MCP handles the step-by-step execution.
- Built-in compliance checks: Context (e.g. AML/KYC metadata) is reviewed before any funds are moved.
- Developer efficiency: Reduce complexity by offloading orchestration logic to the infrastructure.
Example: a developer or AI agent can issue one request to initiate a payment to a new supplier. The Fipto MCP handles beneficiary creation, validation, compliance referencing, and payment execution — in the right order, with full auditability.
Embedded Agents: A Frictionless Frontend
Beyond the API layer, Fipto will work to offer embedded AI agents directly in the platform frontend.
These agents leverage the MCP behind the scenes to offer:
- Natural-language treasury querying
- Predictive recommendations
- Proactive alerting and monitoring
- In the future, safe and auditable payment execution
No configuration or installation required — users benefit immediately from the full context and orchestration logic built into the MCP, without writing a single line of code.
Why It Matters
Stablecoins are programmable money. An MCP makes that programmability actionable.
By abstracting complexity and enforcing structured workflows, MCPs enable a new class of autonomous finance applications:
- AI Payment Agents
- Alert Agents
- Reconciliation Agents
- Yield Optimisation Agents
These agents operate securely, privately, and in real time — powered by Fipto’s MCP.
Built for Privacy, Compliance, and Scale
- No data sent to external LLMs
- Internal-only processing and memory
- Strict role-based access control
- Audit logs for every action
The Fipto MCP is secure by design and built for regulated environments.
Get Early Access
The Fipto MCP Alpha is now available to select Fipto clients.
If you're building treasury automation, programmable payment agents, or AI-driven financial infrastructure, get early access to co-build the next generation of treasury automation.
Contact us at contact@fipto.com to request early access.
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