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.
Live endpoint (Cloudflare): https://wild-bird-a412.ybolduc.workers.dev/mcp
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:
{ "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 amountfrom_currency (string) - Source currency codeto_currency (string) - Target currency codebank_rate (number) - The rate your bank applied
Auth: None | Cost: 3 free/month per IP
Example:
{
"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 codeto_currency (string) - Target currency code
Auth: None | Cost: Free
Example:
{ "from_currency": "USD", "to_currency": "CAD" }
Quick Start
Claude Desktop
Add to your claude_desktop_config.json:
{
"mcpServers": {
"ipayx-fx": {
"url": "https://wild-bird-a412.ybolduc.workers.dev/mcp"
}
}
}
Cursor / Windsurf
{
"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
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 | Dashboard: app.ipayx.ai