mcp-itau

@codespar/mcp-itau

MCP server for Itaú Unibanco — Brazil's largest private bank.

Itaú operates the largest private-bank API surface in the country. Merchants running high-volume Pix, boleto, and cash-management workloads integrate directly instead of going through a PSP.

Status: alpha (0.1.0-alpha.1)

Itaú's Developer Portal is contract-gated — the full OpenAPI specs for Pix, Cobrança, Arrecadação, and Extrato are only visible to onboarded merchants. The endpoint paths in this server are best-guesses based on (a) BACEN Pix v2 standard paths, (b) Itaú's public marketing pages, and (c) conventions shared across Santander / Bradesco / BB. Every unverified path is flagged TODO(verify) in the source.

Pin to exact versions during 0.1.x; paths will be corrected to match the portal spec once an onboarded merchant can validate.

Tools (22)

Tool	Purpose
get_oauth_token	Mint or return a cached OAuth2 client_credentials bearer token for the Itaú Developer Portal.
send_pix	Initiate an outbound Pix payment from the merchant's Itaú account.
create_pix_qr	Create a dynamic Pix charge with QR code (cob).
get_pix	Retrieve a Pix transaction by its BCB endToEndId (E).
resolve_dict_key	Resolve a DICT key (CPF, CNPJ, email, phone, EVP) to the owner's account data before sending a Pix.
refund_pix	Refund (devolução) a previously received Pix.
create_boleto	Issue a boleto via Itaú Cobrança.
get_boleto	Retrieve a boleto by its Itaú identifier (id or nosso_numero).
cancel_boleto	Cancel (baixa) an outstanding boleto before payment.
get_statement	Retrieve account statement transactions for a given period.
arrecadacao_pay	Pay a utility, tax, or concessionária bill via Itaú Arrecadação.
create_pix_cobv	Create a Pix charge with due date (cobv) — used for boleto-like Pix where the payer can pay at or after a d...
list_pix_charges	List immediate Pix charges (cob) registered by the merchant within a date range.
register_pix_key	Register a DICT key (CPF, CNPJ, email, phone, or EVP) on an Itaú account owned by the merchant.
delete_pix_key	Delete a DICT key owned by the merchant.
list_pix_keys	List DICT keys currently registered to the merchant's Itaú accounts.
get_boleto_pdf	Download the PDF of an issued boleto.
send_ted	Send a TED transfer to an account at another bank.
transfer_between_accounts	TAA — transfer between two Itaú accounts (owned by the merchant or a counterparty).
get_tariffs	Query the tariff schedule applicable to the merchant's active contracts (Pix per-transaction, boleto regist...
list_dda_bills	List bills registered for the merchant under the DDA (Débito Direto Autorizado) enrolment.
schedule_payment	Schedule a future-dated payment (Pix, boleto, arrecadação, or TED).

Install

npm install @codespar/[email protected]

Environment

ITAU_CLIENT_ID="..."       # OAuth client_id from Itaú's Developer Portal
ITAU_CLIENT_SECRET="..."   # OAuth client_secret
ITAU_CERT_PATH="/abs/path/to/client.crt"   # mTLS client certificate
ITAU_KEY_PATH="/abs/path/to/client.key"    # mTLS private key
ITAU_ENV="sandbox"                          # or "production" (default: sandbox)

Authentication

Two factors are both required on every call:

1. OAuth2 client_credentials — the server calls the token endpoint, caches the bearer until ~60s before expiry, and attaches Authorization: Bearer <token> to downstream calls.
2. mTLS — BACEN mandates mutual TLS for Pix v2, and Itaú enforces it across product families. The server loads the client certificate and private key from the paths you set, builds a Node https.Agent, and routes every request through it.

You obtain the cert + key bundle from the Itaú Developer Portal after your merchant contract is signed. They are distinct from the OAuth credentials.

Run

# stdio (default)
npx @codespar/mcp-itau

# HTTP transport
MCP_HTTP=true MCP_PORT=3000 npx @codespar/mcp-itau

Caveats

• Paths are unverified. See the TODO(verify) markers in src/index.ts. Onboarded merchants should validate against their portal-issued OpenAPI spec and open a PR.
• Sandbox host is a guess. Itaú issues a sandbox subdomain per merchant; override by editing BASE_URL if your provisioned sandbox URL differs.
• Arrecadação barcode validation is server-side in this alpha — no client-side mod-10 / mod-11 check yet.

Enterprise

Need governance, budget limits, and audit trails for agent payments? CodeSpar Enterprise adds policy engine, payment routing, and compliance templates on top of these MCP servers.

License

MIT