mcp-sicoob

@codespar/mcp-sicoob

MCP server for Sicoob — Brazil's largest cooperative bank network.

Sicoob is consistently a top-4 PSP by Pix volume in Brazil. The Sistema de Cooperativas de Crédito do Brasil aggregates hundreds of regional cooperatives behind a single Developers Portal exposing Pix, Cobrança (boleto), and SPB APIs.

Status: alpha (0.1.0-alpha.1)

Sicoob's Developers Portal is gated by cooperative onboarding. The endpoint paths in this server are best-guesses based on (a) BACEN Pix v2 standard paths, (b) Sicoob's public documentation snippets, and (c) conventions shared across Itaú / 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 cooperative member can validate.

Tools (13)

Tool	Purpose
get_oauth_token	Mint or return a cached OAuth2 client_credentials bearer token for the Sicoob Developers Portal.
create_pix_cob	Create an immediate Pix charge (cob) with QR code.
get_pix_cob	Retrieve an immediate Pix charge by its txid.
list_pix_cob	List immediate Pix charges (cob) registered by the merchant within a date range.
create_pix_cobv	Create a Pix charge with due date (cobv) — boleto-like Pix payable on or after a due date with optional fin...
get_pix_cobv	Retrieve a due-date Pix charge (cobv) by its txid.
lookup_dict_key	Resolve a DICT key (CPF, CNPJ, email, phone, EVP) to the owner's account data before sending a Pix.
register_dict_key	Register a DICT key (CPF, CNPJ, email, phone, or EVP) on a Sicoob account owned by the cooperative member.
delete_dict_key	Delete a DICT key owned by the cooperative member.
create_boleto	Issue a boleto via Sicoob Cobrança.
get_boleto	Retrieve a boleto by its Sicoob identifier (id or nosso_numero).
cancel_boleto	Cancel (baixa) an outstanding boleto before payment.
get_account_balance	Query the merchant cooperative account balance via Sicoob SPB.

Install

npm install @codespar/[email protected]

Environment

SICOOB_CLIENT_ID="..."       # OAuth client_id from Sicoob's Developers Portal
SICOOB_CLIENT_SECRET="..."   # OAuth client_secret
SICOOB_CERT_PATH="/abs/path/to/client.crt"   # mTLS client certificate
SICOOB_KEY_PATH="/abs/path/to/client.key"    # mTLS private key
SICOOB_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 Sicoob 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.

The cert + key bundle is issued by Sicoob's Developers Portal after cooperative onboarding and is distinct from the OAuth credentials.

Run

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

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

Caveats

• Paths are unverified. See the TODO(verify) markers in src/index.ts. Onboarded cooperatives should validate against their portal-issued OpenAPI spec and open a PR.
• Sandbox host is a guess. Sicoob issues a sandbox subdomain per cooperative; override by editing BASE_URL if your provisioned sandbox URL differs.

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