BANI MCP SERVER

Bani, inside your
AI assistant

Connect Claude, Cursor, VS Code or any MCP client to your Bani account. Create customers, collect payments, send payouts, verify identities and pay bills, just by asking.

SETUP

Up and running in two minutes

One config block connects your assistant to the Bani API. Every request is signed with your merchant private key.

1
Get your API keys
In the Bani dashboard, go to Settings > API Keys and copy your access token, public key, private key and tribe reference.
2
Add Bani to your client
Paste the config for your client. There's nothing to install, because your client runs the server with npx.
3
Start in sandbox
BANI_ENV defaults to sandbox. Test everything there, then switch to live when you're ready.

Terminal

claude mcp add bani \
  -e BANI_ENV=sandbox \
  -e BANI_ACCESS_TOKEN=your-access-token \
  -e BANI_PUBLIC_KEY=your-public-key \
  -e BANI_PRIVATE_KEY=your-merchant-private-key \
  -e BANI_ACCOUNT_TRIBE_REF=your-account-tribe-ref \
  -- npx -y bani-mcp

Run this once from your terminal. It registers the Bani server with Claude Code.

SEE IT IN ACTION

Describe the task. Your assistant makes the calls.

The assistant picks the right Bani tools, chains them together and reports back. You don't have to look up endpoints or build request bodies.

Create a customer for Ada Obi (ada@example.com, +2348023123200) and give her a ₦25,000 bank transfer account that expires in 2 days.

bani_create_customer

bani_list_collection_banks

bani_create_virtual_account

Done. Ada Obi has been added as a customer, and she has a temporary account ready for payment:

Amount: ₦25,000 · Expires in 2 days

I'll check the payment status for you whenever you ask.

WHAT'S INCLUDED

72 tools across the whole Bani API

Tools are grouped into toolsets. Use BANI_TOOLSETS to load only the groups you need.

Customers

Create and update customers, and manage their metadata and delivery addresses.

customers8 tools

Collections

Bank transfer virtual accounts, mobile money, crypto deposits, Bani Shopper e-wallet payments, and their status checks.

collections15 tools

Payouts

Bank transfers in Nigeria, across Africa and internationally, plus mobile money and crypto payouts and account verification.

payouts11 tools

Bani Shopper

Payment requests, refunds, and the recurring auto-debit consent flow.

shopper5 tools

Verification

Nigerian BVN and phone (USSD) verification.

verification3 tools

Bills

Airtime, mobile data, and bill payments such as electricity and cable TV.

bills9 tools

Conversion

Currency and coin conversion rates, and swaps between your balances.

conversion4 tools

Account

Account and wallet balance lookups, and phone network lookup.

account3 tools

Docs

Fetch live Bani documentation, for work like the Bani Pop widget or webhooks that isn't an API call.

docs2 tools

Super Agent

Opt-in

Onboard and manage merchant sub-accounts. Only enabled when BANI_SUPER_AGENT_KEY is set.

agent12 tools

SAFETY

Built for an API that moves real money

Confirmation on money moves

Payouts, purchases, refunds and other irreversible actions are flagged as destructive, so your MCP client can ask you before running them.

Read-only mode

Set BANI_READ_ONLY=true to register only lookups and status checks. Nothing can create, pay or move money.

Sandbox by default

The server starts in sandbox. You switch to live on purpose, only after you've tested your flows.

CONFIGURATION

Environment variables

BANI_ACCESS_TOKENRequired

Bearer token from your dashboard.

BANI_PUBLIC_KEYRequired

Public key from your dashboard.

BANI_PRIVATE_KEYRequired

Merchant private key, used to sign every request. Never share this.

BANI_ACCOUNT_TRIBE_REFRequired

Your account's tribe reference.

BANI_ENVDefault: sandbox

sandbox or live.

BANI_READ_ONLYDefault: false

Set to true to register only read-only tools (lookups and status checks). Nothing can create, pay, or move money.

BANI_TOOLSETSDefault: all except agent

Comma-separated list that limits which tool groups are registered.

BANI_SUPER_AGENT_KEYDefault: —

Only needed for the agent toolset, which manages merchant sub-accounts.

BANI_BASE_URLDefault: from BANI_ENV

Override the API base URL.

Example: a read-only lookup connection

Give your support team an assistant that can check balances and payment statuses on live, but can't send a payout. Keys are left out here for brevity.

mcp.json

{
  "mcpServers": {
    "bani-lookup": {
      "command": "npx",
      "args": ["-y", "bani-mcp"],
      "env": {
        "BANI_ENV": "live",
        "BANI_READ_ONLY": "true",
        "BANI_TOOLSETS": "account,collections,payouts"
      }
    }
  }
}

Bani, inside your AI assistant