Ipayx Fx Audit

iPayX FX Audit MCP

Expose hidden bank FX fees in 30 seconds. No signup required.

The world's first Model Context Protocol server for foreign exchange forensic auditing. Any AI agent (Claude, Perplexity, Cursor, Copilot) can audit FX transactions against mid-market rates in real time and generate FINTRAC-certified forensic reports.

Live endpoint (Cloudflare): https://wild-bird-a412.ybolduc.workers.dev/mcp

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Tools

check_fx_rate

Get the current mid-market exchange rate for any currency pair.

Parameters:

• from_currency (string) - Source currency code (e.g. CAD)
• to_currency (string) - Target currency code (e.g. USD)

Auth: None | Cost: Free forever

Example:

{ "from_currency": "CAD", "to_currency": "USD" }

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audit_transaction

Audit a specific FX transaction. Compares the rate your bank applied against the real mid-market rate. Returns the hidden spread in basis points, a forensic score 1-10, and the total amount lost to hidden fees.

Parameters:

• amount (number) - Transaction amount
• from_currency (string) - Source currency code
• to_currency (string) - Target currency code
• bank_rate (number) - The rate your bank applied

Auth: None | Cost: 3 free/month per IP

Example:

{
  "amount": 50000,
  "from_currency": "CAD",
  "to_currency": "USD",
  "bank_rate": 0.685,
  "bank_name": "TD Bank"
}

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full_forensic_report

Generate a complete forensic FX audit report suitable for legal proceedings, CFO review, or FINTRAC compliance documentation. Includes spread history, narrative analysis, and certified audit trail.

Parameters:

• audit_id (string) - ID from a previous audit_transaction call

Auth: Bearer token (API key required) | Cost: Per report

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compare_fx_sources

Compare FX rates from multiple sources simultaneously (Twelve Data, Open Exchange Rates). Detects discrepancies and identifies the most favorable rate. Essential for multi-bank or multi-broker comparisons.

Parameters:

• from_currency (string) - Source currency code
• to_currency (string) - Target currency code

Auth: None | Cost: Free

Example:

{ "from_currency": "USD", "to_currency": "CAD" }

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Quick Start

Claude Desktop

Add to your claude_desktop_config.json:

{
  "mcpServers": {
    "ipayx-fx": {
      "url": "https://wild-bird-a412.ybolduc.workers.dev/mcp"
    }
  }
}

Cursor / Windsurf

{
  "mcpServers": {
    "ipayx-fx": {
      "url": "https://wild-bird-a412.ybolduc.workers.dev/mcp",
      "transport": "streamable-http"
    }
  }
}

Perplexity

Settings → MCP Connectors → Add Remote → paste URL:

https://wild-bird-a412.ybolduc.workers.dev/mcp

Smithery CLI

npx -y smithery skill add ybolduc/ipayx-fx-auditor

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Score Interpretation

Score	Meaning	Action
8-10	Fair rate	No action needed
5-7	Moderate markup	Negotiate with bank
1-4	Excessive hidden fees	Request forensic report

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Compliance

• FINTRAC MSB Certified: C10001283
• Jurisdiction: Canada (FINTRAC applies to CA operations only)
• FX Data Sources: Twelve Data (primary) → Open Exchange Rates (fallback)
• Weekend/Holiday Logic: Cached Friday close rate with explicit source: cached_friday_close flag

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About iPayX Protocol

iPayX Protocol (11850091 Canada Inc.) is the only rail-agnostic FX forensic audit layer for B2B payments. We audit hidden costs regardless of payment rail - SWIFT, SEPA, Stablecoin, or Card.

Website: ipayx.ai | Dashboard: app.ipayx.ai