{
  "markdown": "<!-- mcp-name: io.github.iPAYX-Technologies/mcp-fx-audit -->\n\n# iPayX FX Audit MCP\n\n**Expose hidden bank FX fees in 30 seconds. No signup required.**\n\nThe world's first Model Context Protocol server for foreign exchange forensic auditing. Any AI agent (Claude, Perplexity, Cursor, Copilot) can audit FX transactions against mid-market rates in real time and generate FINTRAC-certified forensic reports.\n\n[![Smithery](https://smithery.ai/badge/@ybolduc/ipayx-fx-auditor)](https://smithery.ai/server/@ybolduc/ipayx-fx-auditor)\n[![MCP Registry](https://img.shields.io/badge/MCP%20Registry-Published-blue)](https://registry.modelcontextprotocol.io)\n\n**Live endpoint (Cloudflare):** `https://wild-bird-a412.ybolduc.workers.dev/mcp`\n\n---\n\n## Tools\n\n### `check_fx_rate`\nGet the current mid-market exchange rate for any currency pair.\n\n**Parameters:**\n- `from_currency` (string) - Source currency code (e.g. `CAD`)\n- `to_currency` (string) - Target currency code (e.g. `USD`)\n\n**Auth:** None | **Cost:** Free forever\n\n**Example:**\n```json\n{ \"from_currency\": \"CAD\", \"to_currency\": \"USD\" }\n```\n\n---\n\n### `audit_transaction`\nAudit a specific FX transaction. Compares the rate your bank applied against the real mid-market rate. Returns the hidden spread in basis points, a forensic score 1-10, and the total amount lost to hidden fees.\n\n**Parameters:**\n- `amount` (number) - Transaction amount\n- `from_currency` (string) - Source currency code\n- `to_currency` (string) - Target currency code\n- `bank_rate` (number) - The rate your bank applied\n\n**Auth:** None | **Cost:** 3 free/month per IP\n\n**Example:**\n```json\n{\n  \"amount\": 50000,\n  \"from_currency\": \"CAD\",\n  \"to_currency\": \"USD\",\n  \"bank_rate\": 0.685,\n  \"bank_name\": \"TD Bank\"\n}\n```\n\n---\n\n### `full_forensic_report`\nGenerate a complete forensic FX audit report suitable for legal proceedings, CFO review, or FINTRAC compliance documentation. Includes spread history, narrative analysis, and certified audit trail.\n\n**Parameters:**\n- `audit_id` (string) - ID from a previous `audit_transaction` call\n\n**Auth:** Bearer token (API key required) | **Cost:** Per report\n\n---\n\n### `compare_fx_sources`\nCompare FX rates from multiple sources simultaneously (Twelve Data, Open Exchange Rates). Detects discrepancies and identifies the most favorable rate. Essential for multi-bank or multi-broker comparisons.\n\n**Parameters:**\n- `from_currency` (string) - Source currency code\n- `to_currency` (string) - Target currency code\n\n**Auth:** None | **Cost:** Free\n\n**Example:**\n```json\n{ \"from_currency\": \"USD\", \"to_currency\": \"CAD\" }\n```\n\n---\n\n## Quick Start\n\n### Claude Desktop\nAdd to your `claude_desktop_config.json`:\n```json\n{\n  \"mcpServers\": {\n    \"ipayx-fx\": {\n      \"url\": \"https://wild-bird-a412.ybolduc.workers.dev/mcp\"\n    }\n  }\n}\n```\n\n### Cursor / Windsurf\n```json\n{\n  \"mcpServers\": {\n    \"ipayx-fx\": {\n      \"url\": \"https://wild-bird-a412.ybolduc.workers.dev/mcp\",\n      \"transport\": \"streamable-http\"\n    }\n  }\n}\n```\n\n### Perplexity\nSettings → MCP Connectors → Add Remote → paste URL:\n```\nhttps://wild-bird-a412.ybolduc.workers.dev/mcp\n```\n\n### Smithery CLI\n```bash\nnpx -y smithery skill add ybolduc/ipayx-fx-auditor\n```\n\n---\n\n## Score Interpretation\n\n| Score | Meaning | Action |\n|-------|---------|--------|\n| 8-10 | Fair rate | No action needed |\n| 5-7 | Moderate markup | Negotiate with bank |\n| 1-4 | Excessive hidden fees | Request forensic report |\n\n---\n\n## Compliance\n\n- **FINTRAC MSB Certified:** C10001283\n- **Jurisdiction:** Canada (FINTRAC applies to CA operations only)\n- **FX Data Sources:** Twelve Data (primary) → Open Exchange Rates (fallback)\n- **Weekend/Holiday Logic:** Cached Friday close rate with explicit `source: cached_friday_close` flag\n\n---\n\n## About iPayX Protocol\n\niPayX Protocol (11850091 Canada Inc.) is the only rail-agnostic FX forensic audit layer for B2B payments. We audit hidden costs regardless of payment rail - SWIFT, SEPA, Stablecoin, or Card.\n\n**Website:** [ipayx.ai](https://www.ipayx.ai) | **Dashboard:** [app.ipayx.ai](https://app.ipayx.ai)\n",
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