Junto MCP

The payment protocol for people and agents. One MCP server, any payment rail.

Quick Install

Automated & IDE Setup

Copy the AI prompt to install this server into Claude Code, Cursor, or another agent — or use 1-click editor setup below.

Add to Cursor Add to VS Code

Manual Client & Custom JSON ConfigExpand JSON ▾

Client Config & Setup

Choose your client or environment

Target File:~/Library/Application Support/Claude/claude_desktop_config.json

claude_desktop_config.json

{
  "mcpServers": {
    "junto-mcp": {
      "command": "npx",
      "args": [
        "-y",
        "junto-mcp"
      ]
    }
  }
}

💡 Paste the JSON block into your client's configuration file under mcpServers, then restart the application.

Documentation Overview

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

Terminal

npm install -g junto-mcp

Set your provider API key:

server.ts

export WOOVI_APP_ID="your-woovi-app-id"

Run as CLI (human mode):

bash

junto pay 25.00 maria@email.com
junto charge 10.00 "Coffee"
junto balance

Run as MCP server (for AI clients):

bash

junto --mcp

Portuguese / Portugues

Junto auto-detects your system language, or set manually:

bash

JUNTO_LANG=pt-BR junto ajuda
junto pagar 25.00 maria@email.com
junto cobrar 10.00 "Cafe"
junto saldo

See CLI.md for the full command reference in both languages.

Add to Claude Desktop or Cursor

config.json

{
  "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.

Code

⚠️ Confirmation required

  Amount:      BRL 150.00
  To:          maria@email.com
  Reason:      Amount (15000 cents) exceeds confirmation threshold (5000 cents)

Please confirm with the user before proceeding.

Architecture

Code

┌─────────────────────────────────────┐
│  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, 80B+ transactions in 2025
Pix Automático (launched June 2025) enables recurring payments
Low fees, no intermediaries
Verified: charge, status, and payment flows tested with real Pix transactions (March 2026)

Demo

Code

You:   "Pay R$25 to maria@email.com via Pix"

Agent:  I'll send the following payment:
          Amount: R$ 25,00
          To: maria@email.com (Pix)
          Via: Woovi
        Shall I go ahead?

You:   "Yes"

Agent:  Done! Payment sent.
          Amount: R$ 25,00
          To: maria@email.com
          Via: Pix (Woovi)
          Status: Completed
          ID: junto-1739612345-a1b2c3

Adding a Provider

Each provider is a single file implementing the PaymentProvider interface:

server.ts

// src/providers/your-provider.ts
import { PaymentProvider } from "../types.js";

export class YourProvider implements PaymentProvider {
  name = "your-provider";
  supportedCurrencies = ["USD"];
  supportedRails = ["card"];
  settlementTime = "1-3 days";

  async pay(req) { /* send money */ }
  async charge(req) { /* create invoice */ }
  async status(id) { /* check status */ }
  async refund(id) { /* reverse payment */ }
  async balance() { /* check funds */ }
  info() { /* return capabilities */ }
}

Copy src/providers/_template.ts to get started, then register your provider in src/index.ts.

Testing

Terminal

npm test              # Guardrail unit tests
npm run test:smoke    # Full flow smoke tests (mock provider)

Live testing with real Pix

bash

# Create a Pix charge (R$1.00)
WOOVI_APP_ID=your-key npx tsx test/live-pix.ts charge 100 "Test charge"

# Check status
WOOVI_APP_ID=your-key npx tsx test/live-pix.ts status <correlation-id>

# Send a Pix payment
WOOVI_APP_ID=your-key npx tsx test/live-pix.ts pay 100 user@email.com EMAIL

# Refund
WOOVI_APP_ID=your-key npx tsx test/live-pix.ts refund <correlation-id>

Interactive demo

Terminal

npx tsx demo/demo.ts          # Full demo with typewriter narration + real API calls
npx tsx demo/demo.ts --fast   # Fast mode for rehearsals

Audit Log

Every transaction is logged to ~/.junto/audit-YYYY-MM-DD.jsonl:

config.json

{
  "timestamp": "2026-02-15T14:32:07Z",
  "type": "payment",
  "action": "pay",
  "tool": "pay",
  "amount": 2500,
  "currency": "BRL",
  "provider": "woovi",
  "destination": "maria@email.com",
  "status": "executed"
}

Roadmap

Contributing

We need help with:

Provider adapters — Ebanx, Stripe, Wise, Belvo, Mercado Pago, PayPal, UPI
Routing logic — Cheapest vs fastest vs most reliable provider selection
HITL patterns — Approval flows across different MCP clients
Security audit — Review of the guardrails and auth system
Multi-currency — FX handling, cross-border routing
Docs — Compliance and regulatory guides per region

License

MIT

Read the full README →View source on GitHub →

Related MCP Servers

View all in Developer Tools View all alternatives

Reviews

No reviews yet — be the first to share how this listing worked for you.

Frequently Asked Questions about Junto MCP

Add the following block to your claude_desktop_config.json under mcpServers: "mcpServers": { "junto-mcp": { "command": "npx", "args": ["-y", "junto-mcp"] } }

AllMCPs Directory Badge

Full Badge Customizer

Showcase your server listing on GitHub or your project documentation. Embed this dynamic SVG badge to highlight official listing status and live engagement.

Badge Style:

Live Dynamic SVG Preview

Markdown (GitHub README)

[![AllMCPs](https://allmcps.com/api/badge/junto-mcp?style=directory)](https://allmcps.com/mcp/junto-mcp)

HTML Embed

<a href="https://allmcps.com/mcp/junto-mcp"><img src="https://allmcps.com/api/badge/junto-mcp?style=directory" alt="Junto MCP on AllMCPs" /></a>

Technical Specs & Signals

CategoryDeveloper Tools

27Quality signal: Emerging · 27/100How this signal is calculated ▾

Server availabilityNot measured

Not scored for repo-hosted servers — we can't reach the running server, only its GitHub page. Hosted MCP endpoints are health-checked live.

Verified ownership8/20

Documentation & tools11/30

Adoption & activity1/15

Community engagement0/10

A guidance signal from public completeness & health data — not a user rating. New listings start lower and rise as they add docs, get verified, and grow adoption. Signals we can't observe for a listing are skipped, not counted against it.

★ Featured

AllMCPs Server

The official MCP server for AllMCPs.com - submit and manage tools directly from your AI. The open directory for MCP servers. Connect Claude, Cursor, Windsurf, and AI agents to databases, tools, files, and APIs. Explore 10,000+ servers. AllMCPs is the premier, open directory for discovering, evaluating, and installing Model Context Protocol (MCP) servers to equip AI agents and LLMs with real-world superpowers.

Explore Server →

Own this project?

This directory is pre-filled from public sources. Claim via GitHub README, site badge, or DNS TXT to unlock edit access and the Official badge and attach your website — proof is checked automatically, then reviewed by our team.

Free dofollow backlink: add your website and place the AllMCPs badge on it — no claim needed. We detect it automatically and keep it verified as long as the badge stays live.

Claim & get free dofollow

Share & Embed

Add our SVG badge (dark/light directory styles) or embeddable widget to your site.

Explore more

More in 💻 Developer Tools →Best MCP servers for Developers →Alternatives to Junto MCP →Install in Claude Desktop Install in Cursor Install in VS Code

Junto MCP

The payment protocol for people and agents. One MCP server, any payment rail.

Quick Install

Automated & IDE Setup

Copy the AI prompt to install this server into Claude Code, Cursor, or another agent — or use 1-click editor setup below.

Add to Cursor Add to VS Code

Manual Client & Custom JSON ConfigExpand JSON ▾

Client Config & Setup

Choose your client or environment

Target File:~/Library/Application Support/Claude/claude_desktop_config.json

claude_desktop_config.json

{
  "mcpServers": {
    "junto-mcp": {
      "command": "npx",
      "args": [
        "-y",
        "junto-mcp"
      ]
    }
  }
}

💡 Paste the JSON block into your client's configuration file under mcpServers, then restart the application.

Documentation Overview

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

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

Terminal

npm install -g junto-mcp

Set your provider API key:

server.ts

export WOOVI_APP_ID="your-woovi-app-id"

Run as CLI (human mode):

bash

junto pay 25.00 maria@email.com
junto charge 10.00 "Coffee"
junto balance

Run as MCP server (for AI clients):

bash

junto --mcp

Portuguese / Portugues

Junto auto-detects your system language, or set manually:

bash

JUNTO_LANG=pt-BR junto ajuda
junto pagar 25.00 maria@email.com
junto cobrar 10.00 "Cafe"
junto saldo

See CLI.md for the full command reference in both languages.

Add to Claude Desktop or Cursor

config.json

{
  "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.

Code

⚠️ Confirmation required

  Amount:      BRL 150.00
  To:          maria@email.com
  Reason:      Amount (15000 cents) exceeds confirmation threshold (5000 cents)

Please confirm with the user before proceeding.

Architecture

Code

┌─────────────────────────────────────┐
│  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, 80B+ transactions in 2025
Pix Automático (launched June 2025) enables recurring payments
Low fees, no intermediaries
Verified: charge, status, and payment flows tested with real Pix transactions (March 2026)

Demo

Code

You:   "Pay R$25 to maria@email.com via Pix"

Agent:  I'll send the following payment:
          Amount: R$ 25,00
          To: maria@email.com (Pix)
          Via: Woovi
        Shall I go ahead?

You:   "Yes"

Agent:  Done! Payment sent.
          Amount: R$ 25,00
          To: maria@email.com
          Via: Pix (Woovi)
          Status: Completed
          ID: junto-1739612345-a1b2c3

Adding a Provider

Each provider is a single file implementing the PaymentProvider interface:

server.ts

// src/providers/your-provider.ts
import { PaymentProvider } from "../types.js";

export class YourProvider implements PaymentProvider {
  name = "your-provider";
  supportedCurrencies = ["USD"];
  supportedRails = ["card"];
  settlementTime = "1-3 days";

  async pay(req) { /* send money */ }
  async charge(req) { /* create invoice */ }
  async status(id) { /* check status */ }
  async refund(id) { /* reverse payment */ }
  async balance() { /* check funds */ }
  info() { /* return capabilities */ }
}

Copy src/providers/_template.ts to get started, then register your provider in src/index.ts.

Testing

Terminal

npm test              # Guardrail unit tests
npm run test:smoke    # Full flow smoke tests (mock provider)

Live testing with real Pix

bash

# Create a Pix charge (R$1.00)
WOOVI_APP_ID=your-key npx tsx test/live-pix.ts charge 100 "Test charge"

# Check status
WOOVI_APP_ID=your-key npx tsx test/live-pix.ts status <correlation-id>

# Send a Pix payment
WOOVI_APP_ID=your-key npx tsx test/live-pix.ts pay 100 user@email.com EMAIL

# Refund
WOOVI_APP_ID=your-key npx tsx test/live-pix.ts refund <correlation-id>

Interactive demo

Terminal

npx tsx demo/demo.ts          # Full demo with typewriter narration + real API calls
npx tsx demo/demo.ts --fast   # Fast mode for rehearsals

Audit Log

Every transaction is logged to ~/.junto/audit-YYYY-MM-DD.jsonl:

config.json

{
  "timestamp": "2026-02-15T14:32:07Z",
  "type": "payment",
  "action": "pay",
  "tool": "pay",
  "amount": 2500,
  "currency": "BRL",
  "provider": "woovi",
  "destination": "maria@email.com",
  "status": "executed"
}

Roadmap

Contributing

We need help with:

Provider adapters — Ebanx, Stripe, Wise, Belvo, Mercado Pago, PayPal, UPI
Routing logic — Cheapest vs fastest vs most reliable provider selection
HITL patterns — Approval flows across different MCP clients
Security audit — Review of the guardrails and auth system
Multi-currency — FX handling, cross-border routing
Docs — Compliance and regulatory guides per region

License

MIT

Read the full README →View source on GitHub →

Related MCP Servers

View all in Developer Tools View all alternatives

Reviews

No reviews yet — be the first to share how this listing worked for you.

Frequently Asked Questions about Junto MCP

Add the following block to your claude_desktop_config.json under mcpServers: "mcpServers": { "junto-mcp": { "command": "npx", "args": ["-y", "junto-mcp"] } }

AllMCPs Directory Badge

Full Badge Customizer

Showcase your server listing on GitHub or your project documentation. Embed this dynamic SVG badge to highlight official listing status and live engagement.

Badge Style:

Live Dynamic SVG Preview

Markdown (GitHub README)

[![AllMCPs](https://allmcps.com/api/badge/junto-mcp?style=directory)](https://allmcps.com/mcp/junto-mcp)

HTML Embed

<a href="https://allmcps.com/mcp/junto-mcp"><img src="https://allmcps.com/api/badge/junto-mcp?style=directory" alt="Junto MCP on AllMCPs" /></a>

Technical Specs & Signals

CategoryDeveloper Tools

27Quality signal: Emerging · 27/100How this signal is calculated ▾

Server availabilityNot measured

Not scored for repo-hosted servers — we can't reach the running server, only its GitHub page. Hosted MCP endpoints are health-checked live.

Verified ownership8/20

Documentation & tools11/30

Adoption & activity1/15

Community engagement0/10

★ Featured

AllMCPs Server

Explore Server →

Own this project?

Free dofollow backlink: add your website and place the AllMCPs badge on it — no claim needed. We detect it automatically and keep it verified as long as the badge stays live.

Claim & get free dofollow

Share & Embed

Add our SVG badge (dark/light directory styles) or embeddable widget to your site.

Explore more

More in 💻 Developer Tools →Best MCP servers for Developers →Alternatives to Junto MCP →Install in Claude Desktop Install in Cursor Install in VS Code