Xental MCP server

A Model Context Protocol server that lets any MCP-capable agent (Claude Desktop, Claude Code, and others) operate a Xental merchant account through typed tools — provision virtual accounts, watch reconciled transactions, run payouts, and drive the sandbox, all in natural language.

Instead of an agent scraping the dashboard, it talks to Xental over the same public API you use. This is the "agent plane": your AI assistant becomes a first-class operator of your payments.

Tools

Tool	What it does
`get_agent_guide`	Reads `/.well-known/llms.txt` — auth, core flow, differentiators
`list_virtual_accounts` / `get_virtual_account`	List / fetch NUBANs with balance + reconciliation state
`create_virtual_account`	Provision a NUBAN for a customer (sandbox on test keys)
`delete_virtual_account`	Remove an account with no activity
`list_transactions` / `get_transaction` / `transactions_summary`	Reconciled inflows/outflows + totals
`list_banks` / `lookup_bank_account`	Payout bank list + name enquiry
`initiate_transfer` / `list_transfers`	Send a payout (idempotent) / list payouts
`simulate_deposit`	Sandbox: drive a real reconciliation with no bank movement

All money is integer kobo (₦1 = 100 kobo). Money-moving calls are idempotent on a caller-supplied reference.

Install

git clone https://github.com/XENTAL-PayLibre/xental-mcp.git
cd xental-mcp
npm install
npm run build

This produces build/index.js — the executable server.

Credentials

Create an API key in the Xental dashboard (Settings → Developers) and copy the client id and client secret (the secret is shown once). Start with a test-mode key — it works immediately and moves zero real money; live keys require approved KYC/KYB.

Env var	Default	Notes
`XENTAL_CLIENT_ID`	—	required
`XENTAL_CLIENT_SECRET`	—	required
`XENTAL_API_BASE`	`https://api.xental.online`	use `https://api.staging.xental.online` for sandbox

Use with Claude Desktop

Add to claude_desktop_config.json:

{
  "mcpServers": {
    "xental": {
      "command": "node",
      "args": ["/absolute/path/to/xental-mcp/build/index.js"],
      "env": {
        "XENTAL_API_BASE": "https://api.staging.xental.online",
        "XENTAL_CLIENT_ID": "your-client-id",
        "XENTAL_CLIENT_SECRET": "your-client-secret"
      }
    }
  }
}

Restart Claude Desktop, then try:

"Create a test virtual account for Ada, simulate a ₦5,000 deposit, and show me the reconciliation."

Use with Claude Code

claude mcp add xental \
  --env XENTAL_API_BASE=https://api.staging.xental.online \
  --env XENTAL_CLIENT_ID=your-client-id \
  --env XENTAL_CLIENT_SECRET=your-client-secret \
  -- node /absolute/path/to/xental-mcp/build/index.js

How auth works

The server exchanges your client credentials at POST /api/v1/auth/token for a short-lived bearer token, caches it, and refreshes automatically on expiry or a 401. Your secret never leaves the machine the server runs on.

License

MIT