MCP server for Modern Treasury — payment orders, transactions, counterparties and ledgers. Hosted by usefulapi: connect it to Claude, ChatGPT, Cursor or any MCP client.
Turn on the Modern Treasury connector, then ask in plain words. The AI picks the tools.
For finance and payment operations teams who move and track money with Modern Treasury.
The AI lists payment orders and reads one by id. It also lists expected payments. You see what is still pending and who it is for. This reads only and approves nothing.
The AI lists your internal bank accounts and the bank transactions, and reads one transaction by id. It sums up what came in and went out.
The AI lists payment returns, such as ACH returns, so you can see what failed and look into each one.
The AI lists counterparties and their external bank accounts, and reads one counterparty by id. You see who you pay or get paid by.
The AI creates a counterparty (contact) record. It holds no bank details and moves no money.
Changes dataThe AI lists double-entry ledgers and ledger accounts, reads one account with balances, and lists individual debits and credits.
The login page asks for your Organization ID and API key.
Find both in Modern Treasury → Developers → API keys (the organization ID is your org's UUID). Your credentials are used only to call the API on your behalf and to derive a private account id; they are never shown to anyone.
Team and Enterprise: an Owner adds the connector for the organization first.
No Add custom MCP server option? It depends on your account or workspace settings: see OpenAI's guide.
Run this command, then run /mcp in Claude Code to log in:
Add to Cursor or add this to ~/.cursor/mcp.json:
{
"mcpServers": {
"modern-treasury": {
"url": "https://modern-treasury.usefulapi.io/mcp"
}
}
} Add to VS Code or add this to .vscode/mcp.json:
{
"servers": {
"modern-treasury": {
"type": "http",
"url": "https://modern-treasury.usefulapi.io/mcp"
}
}
} Run these commands. The second one opens the login page:
Windsurf, Cline, Zed and other MCP clients: add this URL as a remote MCP server (Streamable HTTP). The client then opens the login page in your browser.
Add only the URL. Do not add an Authorization header or an API key to the client config. The server signs you in with OAuth: the login page asks for your Organization ID and API key. If the config has such a header, remove it: some clients then send that header instead of the login token, and every call fails with 401.
| Plan | Price | Limit |
|---|---|---|
| Free | $0 | 50 tool calls / month |
| Pro | $9/mo · $90/yr | 10,000 tool calls / month |
| Pro+ | $39/mo · $390/yr | 100,000 tool calls / month |
Each paid plan covers this Modern Treasury server only. Ask your AI to run modern_treasury_upgrade and choose Pro or Pro+, billed monthly or yearly (it returns a Stripe Checkout link). If you already have Pro, ask to change it to Pro+. The change requires your confirmation, keeps your billing interval and charges the price difference for the rest of the period immediately. Cancel any time with modern_treasury_cancel_subscription: your paid plan continues to the end of the paid period, with no refund for the current period, and asking to resume the same plan with modern_treasury_upgrade before then undoes the cancel. Or write to [email protected].
modern_treasury_pingmodern_treasury_list_counterpartiesmodern_treasury_get_counterpartymodern_treasury_list_internal_accountsmodern_treasury_list_external_accountsmodern_treasury_list_payment_ordersmodern_treasury_get_payment_ordermodern_treasury_list_expected_paymentsmodern_treasury_list_transactionsmodern_treasury_get_transactionmodern_treasury_list_returnsmodern_treasury_list_ledgersmodern_treasury_list_ledger_accountsmodern_treasury_get_ledger_accountmodern_treasury_list_ledger_transactionsmodern_treasury_list_ledger_entriesmodern_treasury_create_counterpartymodern_treasury_usage_statusmodern_treasury_request_featuremodern_treasury_upgrademodern_treasury_cancel_subscriptionCheck payment orders and expected payments. Review bank transactions on your internal accounts. See which payments were returned. Look up counterparties and their bank accounts. Add a new counterparty record. Read ledgers, accounts, balances and entries. See what you can do for the details.
No. usefulapi is an independent service. It is not affiliated with or endorsed by Modern Treasury. The server calls the Modern Treasury API with your own Modern Treasury access, so it sees only the data that your account can see.
Yes. In Claude, add this server's URL as a custom connector. In ChatGPT, add it as a custom MCP server in Plugins. Then log in once. Cursor, VS Code, Claude Code and Codex work too. See the setup steps.
The login page asks for your Organization ID and API key. See Before you connect for where to find them.
No. Add only the URL. Do not add an Authorization header or an API key to the client config. The server signs you in with OAuth: the login page asks for your Organization ID and API key. If the config has such a header, remove it: some clients then send that header instead of the login token, and every call fails with 401.
The login stores them encrypted in the authorization grant of your connection. The server uses them to call the Modern Treasury API for you and to derive a private account id for usage metering. usefulapi does not show them on any page or in any reply. To stop all access, remove the connector and change or delete these credentials in Modern Treasury.
Yes, if you approve it. 1 of the 17 Modern Treasury tools can create or change data. The other 16 are marked read-only. Most MCP clients ask you to approve a tool call before it runs.
The Free plan gives 50 tool calls / month. Pro costs $9/mo or $90/yr, with 10,000 tool calls / month. Pro+ costs $39/mo or $390/yr, with 100,000 tool calls / month. Each subscription covers this Modern Treasury server only. Cancel any time: your paid plan then runs to the end of the paid period. Run modern_treasury_usage_status to see how many calls you used.
Ask the AI to run modern_treasury_upgrade and choose Pro or Pro+, billed monthly or yearly: it returns a Stripe Checkout link. If you already have Pro, ask to change it to Pro+. After you confirm, your existing subscription changes in place, keeps its billing interval and charges the price difference for the rest of the period immediately. To cancel, run modern_treasury_cancel_subscription. Your paid plan continues to the end of the paid period.
Tell the AI what you wanted to do. It can send the request with modern_treasury_request_feature. We store the text with the server name, the type of AI client and the tool you tried, not with your account, and read every request when we plan new tools. You can send up to 5 requests per day.
Any client that supports remote MCP servers (Streamable HTTP) with OAuth login: Claude (web and desktop), Claude Code, ChatGPT, Codex, Cursor, VS Code, Windsurf and others.
This is a Model Context Protocol endpoint — meant to be connected from an AI client, not opened in a browser. An invalid_token response at the URL is the auth gate working as designed; clients authenticate automatically.
Need a tool this server does not have, or a connection to another system? We build custom integrations and MCP servers.