"""
Wise API send money resource for the FastMCP server.
"""
import uuid
from typing import Dict, Any, Optional
from wise_mcp.app import mcp
from wise_mcp.api.wise_client_helper import init_wise_client
from wise_mcp.api.types import WiseFundResponse, WiseFundWithScaResponse
@mcp.tool()
def send_money(
profile_type: str,
source_currency: str,
source_amount: float,
recipient_id: str,
payment_reference: Optional[str] = None,
source_of_funds: Optional[str] = None
) -> str:
"""
Send money to a recipient using the Wise API.
Args:
profile_type: The type of profile to use (personal or business)
source_currency: Source currency code (e.g., 'USD')
source_amount: Amount in source currency to send
recipient_id: The ID of the recipient to send money to
payment_reference: Optional. Reference message for the transfer (defaults to "money")
source_of_funds: Optional. Source of the funds (e.g., "salary", "savings")
Returns:
String message with transfer status or SCA challenge details
Raises:
Exception: If any API request fails during the process
"""
ctx = init_wise_client(profile_type)
customer_transaction_id = str(uuid.uuid4())
reference = payment_reference or "money"
# 1. Create a quote
quote = ctx.wise_api_client.create_quote(
profile_id=ctx.profile.profile_id,
source_currency=source_currency,
target_currency=source_currency,
source_amount=source_amount,
recipient_id=recipient_id
)
# 2. Create a transfer
transfer_params = {
"recipient_id": recipient_id,
"quote_uuid": quote["id"],
"reference": reference,
"customer_transaction_id": customer_transaction_id
}
# Add source of funds if provided
if source_of_funds:
transfer_params["source_of_funds"] = source_of_funds
transfer = ctx.wise_api_client.create_transfer(**transfer_params)
transfer_id = transfer["id"]
# 3. Fund the transfer (may trigger SCA)
fund_result = ctx.wise_api_client.fund_transfer(
profile_id=ctx.profile.profile_id,
transfer_id=transfer_id,
type="BALANCE"
)
fund_response = fund_result.fund_response
sca_response = fund_result.sca_response
if sca_response:
# If SCA is required, return the token for further processing
# ott_token_status = ctx.wise_api_client.get_ott_token_status(ott=sca_response.one_time_token)
return f"Transfer {transfer_id} requires SCA. Please enter the PIN for the following OTT {sca_response.one_time_token}"
if fund_response.status == "COMPLETED":
return f"Transfer {transfer_id} successfully sent"
else:
error_message = fund_response.error_code if fund_response else "unknown error"
return f"Transfer {transfer_id} failed due to {error_message}"
