Wise

@mindstone/mcp-server-wise

Wise (formerly TransferWise) MCP server for Model Context Protocol hosts. Check multi-currency balances and exchange rates, review transactions and activity, manage recipients, price transfers with quotes — and, with an explicit opt-in, create, fund, and cancel transfers — all through a standardised MCP interface.

Status

• Version: 0.1.1 · npm
• Auth: API token (env var, or on disk via WISE_CONFIG_PATH)
• Tools: 17 (accounts, balances, recipients, quotes, transfers, discovery)
• Surface: cloud-api
• Machine-readable: STATUS.json

Requirements

• Node.js 20+
• npm
• A Wise API token: wise.com → Settings → API tokens

One-click install

After clicking the button, your host will prompt you to fill: WISE_API_TOKEN.

Manual config for Claude Desktop / Claude Code / Goose / Continue.dev (Wise)

{

"mcpServers": { "Wise": { "command": "npx", "args": [ "-y", "@mindstone/mcp-server-wise" ], "env": { "WISE_API_TOKEN": "" } } } }

Quick Start

Install & build

cd <path-to-repo>/connectors/wise

npm install npm run build

npx (once published)

npx -y @mindstone/mcp-server-wise

Local

node dist/index.js

Configuration

Environment variables

• WISE_API_TOKEN — Wise API token. Optional if you connect via the configure_wise tool instead; when set, it takes precedence over any stored token.
• WISE_ENVIRONMENT — production (default) or sandbox. Sandbox requires a token created in the Wise sandbox.
• WISE_CONFIG_PATH — path to the config directory that stores the token written by configure_wise (defaults to ~/.mcp/wise).
• WISE_REQUEST_TIMEOUT_MS — outbound request timeout in milliseconds (default 30000).
• MCP_HOST_BRIDGE_STATE — optional path to a host bridge state file used for credential management.
• MINDSTONE_REBEL_BRIDGE_STATE — backwards-compatible alias for MCP_HOST_BRIDGE_STATE.

Host configuration examples

Claude Desktop / Cursor

{

"mcpServers": { "Wise": { "command": "npx", "args": ["-y", "@mindstone/mcp-server-wise"], "env": { "WISE_API_TOKEN": "your-wise-api-token" } } } }

Local development (no npm publish needed)

{

"mcpServers": { "Wise": { "command": "node", "args": [" /connectors/wise/dist/index.js"], "env": { "WISE_API_TOKEN": "your-wise-api-token" } } } }

Tools (17)

Account management

• configure_wise — Connect a Wise account with an API token (verified against the Wise API before storing)
• remove_wise_account — Disconnect the Wise account

Profiles & balances

• list_wise_profiles — List personal and business profiles accessible with the token; use the ids as profile_id
• list_wise_balances — List balances (multi-currency accounts and savings jars) with amounts per currency
• get_wise_balance_statement — Transaction statement for one balance over a time window (max 469 days)
• list_wise_activities — Chronological activity feed (transfers, card payments, deposits) with status

Exchange rates & quotes

• get_wise_exchange_rate — Current or historic mid-market rate between two currencies
• create_wise_quote — Lock a rate and get exact fees per funding method (does not move money)

Recipients

• list_wise_recipients — List saved recipients (bank accounts), filterable by currency or type
• get_wise_recipient — Full details of one recipient, including bank details
• get_wise_recipient_requirements — Discover the bank detail fields Wise requires for a route, given a quote
• create_wise_recipient — Create a saved recipient (does not move money)

Transfers

• list_wise_transfers — List transfers with filters (status, currencies, created-date window)
• get_wise_transfer — Current state of one transfer
• create_wise_transfer — Create a transfer from a quote to a recipient (not funded yet)
• fund_wise_transfer — Fund a created transfer from a Wise balance (moves money)
• cancel_wise_transfer — Cancel a transfer before the funds_converted stage

Typical payout flow

1. list_wise_profiles → pick a profile_id
2. create_wise_quote — price the transfer and lock a rate
3. (New recipient) get_wise_recipient_requirements → create_wise_recipient
4. create_wise_transfer — creates the transfer (not funded yet)
5. fund_wise_transfer — pays from a Wise balance; this is the step that moves money

Security

• Money movement runs by default. create_wise_transfer, fund_wise_transfer, and cancel_wise_transfer are always available and declare destructiveHint: true — gating of individual invocations is the host's tool-approval layer's job, not the connector's. Quote and recipient creation never move money; only fund_wise_transfer debits a balance.
• Untrusted-content envelopes. Strings authored by external parties (recipient names and bank details, transfer references, statement descriptions and merchant names, activity titles, quote notices) are wrapped in envelopes so the host LLM treats them as data, not instructions. Connector-controlled metadata (ids, amounts, currencies, statuses, timestamps) is returned raw.
• Credential storage. Tokens written by configure_wise are stored in credentials.json under WISE_CONFIG_PATH with 0600 permissions (config directory 0700). Only the two fixed Wise hosts (api.wise.com, api.wise-sandbox.com) are ever contacted — there is no arbitrary base-URL override.
• Error hygiene. Vendor error bodies, raw Retry-After header text, and query-bearing URLs are never written to logs or surfaced in tool errors; tokens never appear in error messages.
• Idempotent transfer creation. create_wise_transfer uses customer_transaction_id as the Wise idempotency key, so a retry never creates a duplicate transfer.
• Input validation. Currency codes, numeric ids, UUIDs, and date-time windows are validated before any request is made.

Licence

FSL-1.1-MIT — Functional Source License, Version 1.1, with MIT future licence. The software converts to MIT licence on 2030-04-08.