Mifos MCP Server

Mifos MCP – Model Context Protocol for the Mifos X Ecosystem

The Mifos MCP server bridges AI assistants with the full suite of financial services provided by the Mifos X (Fineract) platform. By exposing Fineract’s RESTful API through the MCP interface, an AI agent can query customer data, create and manage accounts, approve loans, and perform complex financial operations—all within a single conversational flow. This eliminates the need for developers to write custom adapters or handle authentication, allowing rapid prototyping of fintech chatbots that can perform real‑world banking tasks.

At its core, the server translates MCP requests into authenticated Fineract calls. It supports resource discovery so that an AI client can list available endpoints (e.g., clients, loans, products) and their schemas. The server also provides prompt templates for common operations such as “Create Client” or “Approve Loan Application,” enabling an assistant to generate fully‑formed JSON payloads without manual construction. By handling token management and tenant scoping internally, the MCP server frees developers from repetitive boilerplate code.

Key capabilities include:

• Secure authentication via bearer tokens and tenant identifiers, automatically injected into every request.
• Dynamic resource handling, allowing the assistant to discover and invoke any Fineract endpoint exposed by the MCP server.
• Rich prompt definitions that encapsulate business logic, ensuring consistent data validation and error handling.
• Native Java (Quarkus) implementation, giving low‑latency, high‑throughput access suitable for production workloads.

Real‑world scenarios benefit from this integration in several ways. A back‑office agent can use a conversational interface to create new clients, add addresses or references, and launch loan applications—all while the assistant validates input against Fineract’s schema. A financial advisor could walk a customer through loan eligibility, automatically pulling product details and generating repayment schedules. Even compliance teams can leverage the same interface to audit account changes or trigger regulatory workflows.

For developers, incorporating Mifos MCP into an AI workflow is straightforward. The server exposes a standard MCP endpoint that any compliant client (Claude, GPT‑4o, etc.) can connect to via STDIO or SSE. Once connected, the assistant can list resources, request prompts, and execute operations with a single message, while the server handles authentication, routing, and response formatting. This tight coupling of AI intent with backend finance logic reduces integration time from weeks to days and opens the door to truly intelligent, data‑driven banking experiences.