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.

Links

• Xental docs: https://xental.online/documentation
• MCP guide: https://xental.online/documentation/mcp
• Agent discovery (llms.txt): https://api.xental.online/.well-known/llms.txt

License

MIT