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CurrencyCentral

MCP v0.2 · 20 tools

The most complete free MCP for business FX.

Provider intelligence, quote audit and comparison, landed cost, exposure, margin-at-risk, recurring stream planning, post-trade reconciliation, and agent playbooks. No API key, no signup, no sponsors. Just structured outputs your agent can act on.

20 tools8 provider categories5 agent workflowsECB reference data

Install

Run locally over stdio

cd mcp-server
npm install
npm run build
npm run smoke    # optional

Cloudflare Pages hosts the static site. The MCP server runs separately in your agent environment, desktop client, or internal automation runtime — no servers to operate.

Tool catalog

Built around the jobs an agent actually does

Most FX APIs hand an agent a number. CurrencyCentral MCP hands an agent the decision around that number: which route to use, how to audit a quote, where margin is at risk, and what to do next.

Rates and reference data

4 tools

Live and historical FX from European Central Bank reference data, with explicit methodology.

get_fx_rate

Live and historical conversion

Converts an amount using Frankfurter / ECB reference rates. Supports latest or any historical date.

inputs: from, to, amount, date?

outputs: rate, converted amount, date, source

analyze_rate_context

Range, momentum, volatility

Tells an agent whether a pair is near recent highs, lows, or mid-range, with annualized volatility and period change.

inputs: from, to, days?

outputs: min, max, average, range position %, signal, period change %, annualized vol %

get_supported_currencies

Supported currencies catalog

Lists currency codes available via the reference data source, with optional region filter.

inputs: region?

outputs: currencies[], source, upstream

explain_rate_methodology

How the rate data works

Returns publisher, characteristics, appropriate and inappropriate uses of the underlying reference rates.

outputs: source, upstream, characteristics, appropriate / inappropriate use

Quote audit and reconciliation

5 tools

Audit a single quote, compare multiple, reverse-engineer markup from a past trade, and reconcile after execution.

audit_provider_quote

Single-quote audit

Compares a bank or fintech quote against the reference rate, including flat fee and embedded spread.

inputs: from, to, amount, providerRate, providerFee?

outputs: spread bps, hidden spread cost, fee cost, total cost %, recommendation

compare_transfer_quotes

Multi-quote comparison

Ranks 2+ provider quotes by all-in delivered amount, settlement days, and notes. Highlights savings vs worst.

inputs: from, to, amount, quotes[] (label, providerRate or deliveredAmount, fees, settlement)

outputs: ranked quotes, best provider, savings vs worst, recommendation

calculate_fx_markup_from_received

Reverse-engineer markup

Works backwards from amount sent and amount received to compute effective rate and markup vs reference.

inputs: from, to, amountSent, amountReceived, fees?

outputs: effective rate, markup % vs reference, total cost, interpretation

reconcile_transfer_outcome

Post-trade reconciliation

Compares expected vs actual received amounts and labels variance drivers (FX spread, fees, intermediary).

inputs: from, to, amountSent, expectedReceived, actualReceived, fees?, toleranceBps?

outputs: variance %, implied spread %, drivers, labels, next actions

create_quote_request_pack

Quote request pack

Generates a structured checklist and ready-to-send email payload for soliciting quotes from providers or banks.

inputs: from, to, amount, purpose, target date, recipient country

outputs: email subject/body, fields to collect, pre-send checklist

Provider intelligence and routing

2 tools

Static, transparent, non-sponsored provider metadata. Shortlist categories with rationale and required checks before requesting quotes.

list_fx_payment_providers

Provider intelligence catalog

Returns curated provider categories with use cases, strengths, caution areas, settlement notes, and required checks. Filterable by category, region, amount band, or use case.

inputs: category?, sourceRegion?, targetRegion?, amount?, amountBand?, useCase?, verbose?

outputs: providers[] with metadata, freshness note

recommend_payment_route

Route shortlist with rationale

Scores categories against the transfer to shortlist 2-4 routes with rationale, required checks, questions to ask, and next actions.

inputs: from, to, amount, purpose, sourceRegion?, targetRegion?, urgencyDays?, hedgingNeeded?

outputs: shortlist with scores, rationale, red flags, questions to ask

Planning and exposure

7 tools

Landed cost, supplier schedules, exposure, recurring streams, margin-at-risk, and rate watch rules.

estimate_landed_cost_fx

Landed cost estimator

Turns supplier cost, freight, insurance, duty, domestic fees, and FX buffer into a home-currency landed cost and target sell price.

inputs: supplierCurrency, homeCurrency, unitCost, quantity, freight?, insurance?, dutyRatePct?, fees?, fxBufferPct?, targetMarginPct?

outputs: landed cost, landed per unit, target sell price

build_supplier_payment_schedule

Supplier payment schedule

Splits purchase orders into deposit and balance payments and models FX sensitivity on the remaining balance.

inputs: orderCurrency, homeCurrency, orderAmount, depositPct?, expectedRateMovePct?

outputs: schedule[], sensitivity, recommended controls

compare_invoice_currency_options

Invoice currency comparison

Ranks supplier invoice options quoted in different currencies by estimated home-currency cost.

inputs: homeCurrency, options[] (currency, amount, providerFeeHome?)

outputs: ranked options, best option

summarize_fx_exposure

Payables and receivables view

Summarizes multiple foreign-currency payables and receivables into a base-currency exposure view with largest exposure.

inputs: baseCurrency, items[] (currency, amount, direction, dueDate?)

outputs: net exposure, by-currency, largest exposure, interpretation

plan_recurring_fx_payments

Recurring stream planner

Plans a recurring payable or receivable stream with rate-check cadence and horizon volatility estimate.

inputs: baseCurrency, streamCurrency, amountPerRun, direction?, frequency?, runs?, startDate?

outputs: schedule[], total base amount, expected horizon swing, controls

assess_currency_risk_for_order

Margin-at-risk for an order

Combines order amount, margin, lead time, and realized volatility to estimate margin-at-risk and suggest controls.

inputs: orderCurrency, homeCurrency, orderAmountHome, grossMarginPct, leadTimeDays?, lookbackDays?, confidence?

outputs: adverse move %, margin at risk, severity, controls

generate_rate_watch_plan

Rate watch planning

Creates practical monitoring rules for an upcoming transfer based on amount, urgency, target rate, and recent context.

inputs: from, to, amount, targetRate?, urgencyDays?, businessPurpose?

outputs: watch rules, context, follow-up tools to call

Policy and workflows

2 tools

Generate an SMB FX policy and step-by-step agent playbooks for the most common business FX jobs.

build_fx_policy_template

SMB FX policy template

Generates a practical SMB FX policy with thresholds, quote rules, documentation requirements, hedging guidance, and vendor policy.

inputs: companyName?, homeCurrency, currenciesUsed?, monthlyFxVolumeHome?, riskTolerance?, hasTreasuryFunction?

outputs: policy document with sections, recommended tooling map

generate_agent_workflow

Agent playbook generator

Returns a step-by-step playbook for a business use case: supplier_payment, invoice_conversion, marketplace_payout, contractor_payroll, order_pricing.

inputs: useCase

outputs: steps with tools and decision points, success criteria, pitfalls

Provider intelligence

Eight provider categories, transparent and non-sponsored

The MCP includes a curated, indicative catalog of FX provider categories. It lets agents shortlist the right kind of route for the transfer at hand — and ask the right questions — without hallucinating exact fees. Verify pricing and eligibility directly with each provider before transacting.

Bank wires (SWIFT)

Chase, HSBC, Barclays, BNP Paribas, DBS

Audit trail and universal acceptance. Watch for opaque spread and intermediary deductions.

Multi-currency fintech

Wise Business, Airwallex, Revolut Business

Transparent rates and local payout rails. Check plan FX allowances and corridor support.

Specialist FX brokers

OFX, Currencies Direct, Moneycorp, XE for Business, Convera

Dealer-led pricing and hedging products. Always request all-in delivered amount, not just rate.

Global payouts platforms

Payoneer

Strong for marketplace receipts and mass contractor payouts. Compare conversion margin before bulk converting.

US neobank-style business banking

Mercury, Brex, Relay (and similar)

Fast US onboarding. International FX is partner-routed — confirm delivered amount before sending.

Marketplace and platform payouts

Amazon ACCS, Stripe FX, Shopify Payments

Zero-setup auto-conversion. Often material embedded margin; consider receiving in source currency instead.

Business cards and spend

Multi-currency business cards (various issuers)

Convenient for ads and SaaS. Watch for foreign transaction fees stacking on network rate.

Stablecoin and crypto rails

USDC / USDT via regulated on/off ramps

Useful in weak banking corridors. Requires written policy, regulated ramps, and reconciliation discipline.

Metadata is qualitative and indicative. The MCP intentionally does not assert exact fees or corridor support. It is designed to help agents shortlist categories and collect quotes systematically.

Agent workflows

Step-by-step playbooks, not just tools

generate_agent_workflow returns a structured playbook for the most common business FX jobs. Each playbook lists the tools to call at each step, decision points, success criteria, and common pitfalls.

supplier_payment

International supplier payment

Frame transfer → assess rate context → shortlist routes → request quotes → compare and audit → schedule and execute → reconcile.

invoice_conversion

Incoming invoice conversion

Hold or convert? Compare wallet vs platform conversion, plan watch rules, audit the executed rate.

marketplace_payout

Marketplace payout optimization

Reverse-engineer past payout markup, compare default vs multi-currency wallet route, plan recurring conversion cadence.

contractor_payroll

Recurring contractor payroll

Aggregate recurring exposure, pick payout route, encode policy and watch rules, reconcile each run.

order_pricing

Order pricing with FX margin-at-risk

Landed cost → margin-at-risk over lead time → buffer, hedge, or accept decision.

Configuration

Drop-in for Claude Desktop and MCP clients

{
  "mcpServers": {
    "currencycentral": {
      "command": "node",
      "args": ["/absolute/path/to/currencycentral/mcp-server/dist/index.js"]
    }
  }
}

No API key

Frankfurter / ECB reference data is open and free. No signup, no secret, no telemetry.

Business logic included

Embedded spread, exposure, schedules, margin-at-risk, reconciliation, policy, workflows — all in one MCP.

Static-site compatible

Cloudflare Pages serves the docs site as plain HTML. The MCP runs entirely in your agent runtime.

Trust and caveats

What this MCP will and will not do

Will

  • · Use European Central Bank reference rates as a transparent benchmark.
  • · Help shortlist provider categories with rationale and required checks.
  • · Audit, compare, and reconcile quotes against a reference benchmark.
  • · Model exposure, margin-at-risk, schedules, and recurring streams.
  • · Return structured JSON your agent can act on.

Will not

  • · Claim exact provider fees or guaranteed corridor support.
  • · Give financial, tax, legal, or sanctions advice.
  • · Execute transfers, sign agreements, or hold funds.
  • · Recommend speculative trading or non-hedged forward positions.
  • · Share data with third parties — the server only calls Frankfurter for rates.