io.github.iPAYX-Technologies/mcp-fx-audit
FX forensic audit MCP. Detects hidden bank markups on cross-border payments. FINTRAC MSB.
Open source Repository Open in the app JSON README (API)
About
FX forensic audit MCP. Detects hidden bank markups on cross-border payments. FINTRAC MSB.
Details
- Kind
- MCP servers
- Topic
- Finance & crypto
- Publisher
- ipayx-technologies
- Origin
- official
- Category
- ferramentas
- Transport
- http
- Version
- 1.3.4
- Forks
- 1
- Open pull requests
- 1
- Last push
- 2026-05-12T19:13:57Z
- Repository state
- ativo
- Language
- Python
- Added
- 2026-08-29 04:00:08
- Updated
- 2026-08-29 04:00:08
- Origin id
io.github.iPAYX-Technologies/mcp-fx-audit
README
<!-- mcp-name: io.github.iPAYX-Technologies/mcp-fx-audit -->
# iPayX FX Audit MCP
**Expose hidden bank FX fees in 30 seconds. No signup required.**
The 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.
[](https://smithery.ai/server/@ybolduc/ipayx-fx-auditor)
[](https://registry.modelcontextprotocol.io)
**Live endpoint (Cloudflare):** `https://wild-bird-a412.ybolduc.workers.dev/mcp`
---
## Tools
### `check_fx_rate`
Get the current mid-market exchange rate for any currency pair.
**Parameters:**
- `from_currency` (string) - Source currency code (e.g. `CAD`)
- `to_currency` (string) - Target currency code (e.g. `USD`)
**Auth:** None | **Cost:** Free forever
**Example:**
```json
{ "from_currency": "CAD", "to_currency": "USD" }
```
---
### `audit_transaction`
Audit 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.
**Parameters:**
- `amount` (number) - Transaction amount
- `from_currency` (string) - Source currency code
- `to_currency` (string) - Target currency code
- `bank_rate` (number) - The rate your bank applied
**Auth:** None | **Cost:** 3 free/month per IP
**Example:**
```json
{
"amount": 50000,
"from_currency": "CAD",
"to_currency": "USD",
"bank_rate": 0.685,
"bank_name": "TD Bank"
}
```
---
### `full_forensic_report`
Generate 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.
**Parameters:**
- `audit_id` (string) - ID from a previous `audit_transaction` call
**Auth:** Bearer token (API key required) | **Cost:** Per report
---
### `compare_fx_sources`
Compare 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.
**Parameters:**
- `from_currency` (string) - Source currency code
- `to_currency` (string) - Target currency code
**Auth:** None | **Cost:** Free
**Example:**
```json
{ "from_currency": "USD", "to_currency": "CAD" }
```
---
## Quick Start
### Claude Desktop
Add to your `claude_desktop_config.json`:
```json
{
"mcpServers": {
"ipayx-fx": {
"url": "https://wild-bird-a412.ybolduc.workers.dev/mcp"
}
}
}
```
### Cursor / Windsurf
```json
{
"mcpServers": {
"ipayx-fx": {
"url": "https://wild-bird-a412.ybolduc.workers.dev/mcp",
"transport": "streamable-http"
}
}
}
```
### Perplexity
Settings → MCP Connectors → Add Remote → paste URL:
```
https://wild-bird-a412.ybolduc.workers.dev/mcp
```
### Smithery CLI
```bash
npx -y smithery skill add ybolduc/ipayx-fx-auditor
```
---
## Score Interpretation
| Score | Meaning | Action |
|-------|---------|--------|
| 8-10 | Fair rate | No action needed |
| 5-7 | Moderate markup | Negotiate with bank |
| 1-4 | Excessive hidden fees | Request forensic report |
---
## Compliance
- **FINTRAC MSB Certified:** C10001283
- **Jurisdiction:** Canada (FINTRAC applies to CA operations only)
- **FX Data Sources:** Twelve Data (primary) → Open Exchange Rates (fallback)
- **Weekend/Holiday Logic:** Cached Friday close rate with explicit `source: cached_friday_close` flag
---
## About iPayX Protocol
iPayX 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.
**Website:** [ipayx.ai](https://www.ipayx.ai) | **Dashboard:** [app.ipayx.ai](https://app.ipayx.ai)