MCP Server
The LedgerOS MCP server lets AI agents create cards, make purchases, and manage spending through a standardized protocol.What is MCP?
Model Context Protocol (MCP) is an open standard for connecting AI models to external tools and data sources. Instead of building custom integrations, agents can connect to MCP servers and discover available capabilities automatically.Why use MCP?
| Approach | Pros | Cons |
|---|---|---|
| REST API | Full control, any language | Manual integration, more code |
| MCP Server | Auto-discovery, standardized | Requires MCP client |
- Your agent runs in Claude Desktop, Cursor, or another MCP-compatible environment
- You want automatic tool discovery without manual integration
- You’re building with frameworks that support MCP natively
- You need fine-grained control over requests
- Your environment doesn’t support MCP
- You’re building a traditional backend integration
Server URL
Authentication
The MCP server supports two credential types:| Credential | Env Variable | Access Level |
|---|---|---|
| API Key | LEDGER_API_KEY | Full access (admin + agent tools) |
| Agent Token | LEDGER_AGENT_TOKEN | Agent-scoped (agent tools only) |
Available Tools
Agent Tools (6)
| Tool | Description |
|---|---|
ledger_status | Check user verification, balance, and spending eligibility |
ledger_card | Create, list, freeze, close cards and get card details |
ledger_intent | Declare and list spending intents |
ledger_transactions | Query transaction history |
ledger_onboarding | Get KYC verification and deposit links |
ledger_challenges | Retrieve 3DS OTP codes |
Admin Tools (5)
| Tool | Description |
|---|---|
ledger_users | Create and manage users |
ledger_agents | Register and manage AI agents |
ledger_policies | Create card policy templates |
ledger_risk | Configure risk detection settings |
ledger_webhooks | Manage webhook endpoints |