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Szotasz

wise-mcp

by Szotasz

create_recipient

Create a new recipient account for Wise transfers. Specify profile, currency, type, and account holder name, then provide currency-specific details as required by get_account_requirements.

Instructions

Create a new recipient account. The 'details' object varies by currency/type. Use get_account_requirements first to know which fields are needed.

Input Schema

TableJSON Schema
NameRequiredDescriptionDefault
typeYesRecipient type, e.g. iban, sort_code, aba, email, hungarian
detailsYesCurrency-specific bank details object (use get_account_requirements to know the fields)
currencyYesCurrency code, e.g. HUF
profileIdYesProfile ID
ownedByCustomerNoWhether this account belongs to you
accountHolderNameYesFull name of the recipient
Behavior3/5

Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?

The description adds context that the 'details' object varies by currency/type, which is a useful behavioral trait not fully captured by the annotations. However, it does not disclose other important traits like idempotency, duplicate handling, or what the response returns, leaving gaps beyond the minimal annotations.

Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.

Conciseness5/5

Is the description appropriately sized, front-loaded, and free of redundancy?

The description is two sentences, front-loaded with the core action, and contains no redundant information. Every sentence serves a purpose.

Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.

Completeness3/5

Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?

The tool has a nested object and no output schema, so the description should compensate by explaining response or error behavior. It provides the essential prerequisite (get_account_requirements) but lacks details on return values, idempotency, or failure modes, making it minimally adequate for a creation tool.

Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.

Parameters3/5

Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?

The input schema already provides descriptions for all six parameters, achieving 100% coverage. The tool description adds minimal new meaning beyond the schema, mostly repeating the get_account_requirements guidance already present in the 'details' parameter description.

Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.

Purpose5/5

Does the description clearly state what the tool does and how it differs from similar tools?

The description clearly states the action ('Create') and resource ('a new recipient account'), distinguishing it from sibling tools like list_recipients, get_recipient, and delete_recipient. The verb+resource combination is specific and unambiguous.

Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.

Usage Guidelines4/5

Does the description explain when to use this tool, when not to, or what alternatives exist?

The description explicitly instructs to use get_account_requirements first, providing a clear precondition for correct usage. It does not mention alternatives, but as the only creation tool for recipients, this is sufficient context for when to use it.

Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.

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