mcp2p Documentation

mcp2p is a licensed MCP (Model Context Protocol) middleware SDK that gives LATAM banks AI-native payment capabilities. It exposes payment rails — SPEI, PSE, PIX — as structured MCP tools that any compatible AI assistant can discover and invoke. Every operation is protected by conversational two-factor authentication and enforced through a multi-gate license validation model.

This documentation covers everything you need to integrate mcp2p into your infrastructure: from installing the SDK to configuring payment rails and managing license keys in production.

What you'll learn

  • How to install @mcp2p/sdk and create a running MCP server
  • How to configure payment rails (SPEI, PSE, PIX) with their specific validation rules
  • How conversational two-factor authentication works end-to-end via Twilio Verify
  • How the 4-gate license model enforces entitlements and usage reporting
  • Full MCP tool schemas, request/response formats, and error code reference

Quick links

Getting Started

Install the SDK, obtain a license key, and run your first MCP payment server in under 10 minutes.

Start here →

Payment Rails

SPEI for Mexico, PSE for Colombia, and PIX for Brazil — each rail with full tool schemas and code examples.

Explore rails →

Two-Factor Auth

Conversational 2FA powered by Twilio Verify — embedded directly into the AI interaction flow.

Learn 2FA →

License Management

Understand the 4-gate validation model, tier comparison, and how to manage your license keys.

Manage licenses →

Architecture overview

mcp2p is structured as a monorepo with four main packages. The SDK runs in your infrastructure, while the dashboard and license server are hosted services you interact with via API and browser.

  • @mcp2p/sdk — MCP server runtime, payment rail adapters, 2FA middleware, and license client. Runs in your Node.js environment.
  • License server — Hono API deployed on Cloudflare Workers. Validates license keys and records usage. Contacted by the SDK at startup and per tool call.
  • Dashboard — Next.js 15 application at app.mcp2p.dev where you create and manage organizations, license keys, and view usage analytics.
  • Bank connector — Your aggregator or direct bank integration. The SDK delegates actual payment execution to this connector; mcp2p handles the AI interface, 2FA, and license enforcement layers above it.

Next steps

If you are starting from scratch, go to Getting Started to install the SDK and run your first server. If you already have the SDK installed and want to configure a specific rail, jump directly to the SPEI, PSE, or PIX rail guides.