naftiko: 1.0.0-alpha2
info:
  label: Wells Fargo Commercial Banking Treasury
  description: Unified treasury management capability combining the Wells Fargo Gateway API, Account Transactions API, and
    ACH Payments API. Enables commercial banking customers, treasury managers, and ERP systems to manage accounts, initiate
    payments across multiple rails, monitor transaction activity, and process ACH batch payables and receivables through a
    single integrated interface.
  tags:
  - Banking
  - Financial Services
  - Treasury Management
  - Commercial Banking
  - Payments
  - ACH
  - Open Banking
  created: '2026-05-03'
  modified: '2026-05-06'
binds:
- namespace: env
  keys:
    WELLS_FARGO_GATEWAY_TOKEN: WELLS_FARGO_GATEWAY_TOKEN
    WELLS_FARGO_TRANSACTIONS_TOKEN: WELLS_FARGO_TRANSACTIONS_TOKEN
    WELLS_FARGO_ACH_TOKEN: WELLS_FARGO_ACH_TOKEN
capability:
  consumes:
  - type: http
    namespace: wells-fargo-gateway
    baseUri: https://api.wellsfargo.com
    description: Wells Fargo Gateway open banking API.
    authentication:
      type: bearer
      token: '{{WELLS_FARGO_GATEWAY_TOKEN}}'
    resources:
    - name: accounts
      path: /accounts
      description: Account information and balances.
      operations:
      - name: list-accounts
        method: GET
        description: List accounts for the authenticated commercial customer.
        outputRawFormat: json
        outputParameters:
        - name: result
          type: object
          value: $.
    - name: payments
      path: /payments
      description: Payment initiation and management.
      operations:
      - name: list-payments
        method: GET
        description: List payments initiated through the Gateway.
        outputRawFormat: json
        outputParameters:
        - name: result
          type: object
          value: $.
      - name: create-payment
        method: POST
        description: Initiate a new payment.
        outputRawFormat: json
        outputParameters:
        - name: result
          type: object
          value: $.
        body:
          type: json
          data:
            amount: '{{tools.amount}}'
            currency: '{{tools.currency}}'
            recipientAccount: '{{tools.recipient_account}}'
            description: '{{tools.description}}'
    - name: transactions
      path: /transactions
      description: Transaction history retrieval.
      operations:
      - name: list-transactions
        method: GET
        description: List transactions for a specified account.
        inputParameters:
        - name: accountId
          in: query
          type: string
          required: true
          description: Account identifier.
        - name: startDate
          in: query
          type: string
          required: false
          description: Start date filter.
        - name: endDate
          in: query
          type: string
          required: false
          description: End date filter.
        outputRawFormat: json
        outputParameters:
        - name: result
          type: object
          value: $.
  - type: http
    namespace: wells-fargo-transactions
    baseUri: https://api.wellsfargo.com
    description: Wells Fargo Account Transactions API for treasury reporting.
    authentication:
      type: bearer
      token: '{{WELLS_FARGO_TRANSACTIONS_TOKEN}}'
    resources:
    - name: accounts
      path: /v3/accounts
      description: Account information.
      operations:
      - name: list-accounts
        method: GET
        description: List accounts for the authenticated customer.
        outputRawFormat: json
        outputParameters:
        - name: result
          type: object
          value: $.
    - name: account-balances
      path: /v3/accounts/{accountId}/balances
      description: Real-time account balance information.
      operations:
      - name: get-account-balances
        method: GET
        description: Get current and available balances for an account.
        inputParameters:
        - name: accountId
          in: path
          type: string
          required: true
          description: Wells Fargo account ID.
        outputRawFormat: json
        outputParameters:
        - name: result
          type: object
          value: $.
    - name: account-transactions
      path: /v3/accounts/{accountId}/transactions
      description: Transaction history for an account.
      operations:
      - name: list-account-transactions
        method: GET
        description: List transactions for an account (up to 180 days).
        inputParameters:
        - name: accountId
          in: path
          type: string
          required: true
          description: Wells Fargo account ID.
        - name: startDate
          in: query
          type: string
          required: false
          description: Start date (YYYY-MM-DD).
        - name: endDate
          in: query
          type: string
          required: false
          description: End date (YYYY-MM-DD).
        - name: transactionType
          in: query
          type: string
          required: false
          description: Transaction type filter (ACH, WIRE, RTP, CHECK, FED_NOW).
        - name: pageSize
          in: query
          type: integer
          required: false
          description: Results per page.
        - name: pageToken
          in: query
          type: string
          required: false
          description: Pagination token.
        outputRawFormat: json
        outputParameters:
        - name: result
          type: object
          value: $.
      - name: get-transaction-detail
        method: GET
        description: Get details for a specific transaction.
        inputParameters:
        - name: accountId
          in: path
          type: string
          required: true
          description: Wells Fargo account ID.
        - name: transactionId
          in: path
          type: string
          required: true
          description: Unique transaction ID.
        outputRawFormat: json
        outputParameters:
        - name: result
          type: object
          value: $.
  - type: http
    namespace: wells-fargo-ach
    baseUri: https://api.wellsfargo.com
    description: Wells Fargo ACH Payments API.
    authentication:
      type: bearer
      token: '{{WELLS_FARGO_ACH_TOKEN}}'
    resources:
    - name: ach-payments
      path: /v2/ach/payments
      description: ACH payment initiation and management.
      operations:
      - name: initiate-ach-payment
        method: POST
        description: Initiate a single ACH credit or debit transaction.
        outputRawFormat: json
        outputParameters:
        - name: result
          type: object
          value: $.
        body:
          type: json
          data:
            debitAccountId: '{{tools.debit_account_id}}'
            amount: '{{tools.amount}}'
            currency: '{{tools.currency}}'
            creditAccountNumber: '{{tools.credit_account_number}}'
            creditRoutingNumber: '{{tools.credit_routing_number}}'
            creditAccountType: '{{tools.credit_account_type}}'
            transactionCode: '{{tools.transaction_code}}'
            receiverName: '{{tools.receiver_name}}'
            addendaInformation: '{{tools.addenda}}'
            sameDayAch: '{{tools.same_day}}'
            effectiveDate: '{{tools.effective_date}}'
      - name: list-ach-payments
        method: GET
        description: List ACH payments.
        inputParameters:
        - name: startDate
          in: query
          type: string
          required: false
          description: Start date filter.
        - name: endDate
          in: query
          type: string
          required: false
          description: End date filter.
        - name: status
          in: query
          type: string
          required: false
          description: Status filter.
        - name: pageSize
          in: query
          type: integer
          required: false
          description: Page size.
        outputRawFormat: json
        outputParameters:
        - name: result
          type: object
          value: $.
      - name: get-ach-payment
        method: GET
        description: Get ACH payment status and details.
        inputParameters:
        - name: paymentId
          in: path
          type: string
          required: true
          description: ACH payment ID.
        outputRawFormat: json
        outputParameters:
        - name: result
          type: object
          value: $.
      - name: cancel-ach-payment
        method: DELETE
        description: Cancel a pending ACH payment.
        inputParameters:
        - name: paymentId
          in: path
          type: string
          required: true
          description: ACH payment ID.
        outputRawFormat: json
        outputParameters:
        - name: result
          type: object
          value: $.
    - name: ach-batches
      path: /v2/ach/batches
      description: Batch ACH payment file submission.
      operations:
      - name: submit-ach-batch
        method: POST
        description: Submit a batch ACH payment file.
        outputRawFormat: json
        outputParameters:
        - name: result
          type: object
          value: $.
        body:
          type: json
          data:
            companyName: '{{tools.company_name}}'
            effectiveDate: '{{tools.effective_date}}'
            transactions: '{{tools.transactions}}'
    - name: ach-returns
      path: /v2/ach/returns
      description: ACH return and NOC processing.
      operations:
      - name: list-ach-returns
        method: GET
        description: List ACH returns and NOCs.
        inputParameters:
        - name: startDate
          in: query
          type: string
          required: false
          description: Start date.
        - name: endDate
          in: query
          type: string
          required: false
          description: End date.
        - name: returnType
          in: query
          type: string
          required: false
          description: Return type (RETURN or NOC).
        outputRawFormat: json
        outputParameters:
        - name: result
          type: object
          value: $.
  exposes:
  - type: rest
    port: 8080
    namespace: wells-fargo-treasury-api
    description: Unified REST API for Wells Fargo commercial banking treasury management.
    resources:
    - path: /v1/accounts
      name: accounts
      description: Commercial bank account management.
      operations:
      - method: GET
        name: list-accounts
        description: List all accounts for the authenticated commercial customer.
        call: wells-fargo-transactions.list-accounts
        outputParameters:
        - type: object
          mapping: $.
    - path: /v1/accounts/{accountId}/balances
      name: balances
      description: Real-time account balance information.
      operations:
      - method: GET
        name: get-balances
        description: Get current and available balances for an account.
        call: wells-fargo-transactions.get-account-balances
        with:
          accountId: rest.accountId
        outputParameters:
        - type: object
          mapping: $.
    - path: /v1/transactions
      name: transactions
      description: Account transaction history (Gateway).
      operations:
      - method: GET
        name: list-transactions
        description: List account transactions via Gateway.
        call: wells-fargo-gateway.list-transactions
        with:
          accountId: rest.accountId
        outputParameters:
        - type: object
          mapping: $.
    - path: /v1/accounts/{accountId}/transactions
      name: account-transactions
      description: Detailed transaction reporting (up to 180 days).
      operations:
      - method: GET
        name: list-account-transactions
        description: List detailed transaction history for an account.
        call: wells-fargo-transactions.list-account-transactions
        with:
          accountId: rest.accountId
        outputParameters:
        - type: object
          mapping: $.
    - path: /v1/payments
      name: payments
      description: Gateway payment management.
      operations:
      - method: GET
        name: list-payments
        description: List payments initiated through the Gateway.
        call: wells-fargo-gateway.list-payments
        outputParameters:
        - type: object
          mapping: $.
      - method: POST
        name: create-payment
        description: Initiate a payment via Gateway.
        call: wells-fargo-gateway.create-payment
        with:
          amount: rest.amount
          currency: rest.currency
          recipient_account: rest.recipientAccount
          description: rest.description
        outputParameters:
        - type: object
          mapping: $.
    - path: /v1/ach-payments
      name: ach-payments
      description: ACH payment initiation and tracking.
      operations:
      - method: GET
        name: list-ach-payments
        description: List ACH payments.
        call: wells-fargo-ach.list-ach-payments
        outputParameters:
        - type: object
          mapping: $.
      - method: POST
        name: initiate-ach-payment
        description: Initiate an ACH credit or debit payment.
        call: wells-fargo-ach.initiate-ach-payment
        with:
          debit_account_id: rest.debitAccountId
          amount: rest.amount
        outputParameters:
        - type: object
          mapping: $.
    - path: /v1/ach-batches
      name: ach-batches
      description: ACH batch file processing.
      operations:
      - method: POST
        name: submit-ach-batch
        description: Submit a batch ACH payment file.
        call: wells-fargo-ach.submit-ach-batch
        outputParameters:
        - type: object
          mapping: $.
    - path: /v1/ach-returns
      name: ach-returns
      description: ACH return and NOC management.
      operations:
      - method: GET
        name: list-ach-returns
        description: List ACH returns and NOCs.
        call: wells-fargo-ach.list-ach-returns
        outputParameters:
        - type: object
          mapping: $.
  - type: mcp
    port: 9090
    namespace: wells-fargo-treasury-mcp
    transport: http
    description: MCP server for AI-assisted Wells Fargo commercial banking treasury management.
    tools:
    - name: list-commercial-accounts
      description: List all Wells Fargo commercial bank accounts for the authenticated customer.
      hints:
        readOnly: true
        openWorld: false
      call: wells-fargo-transactions.list-accounts
      outputParameters:
      - type: object
        mapping: $.
    - name: get-account-balance
      description: Get real-time ledger and available balance for a Wells Fargo account.
      hints:
        readOnly: true
        openWorld: false
      call: wells-fargo-transactions.get-account-balances
      with:
        accountId: tools.account_id
      outputParameters:
      - type: object
        mapping: $.
    - name: search-transactions
      description: Search detailed transaction history for a Wells Fargo account (up to 180 days). Supports ACH, Wire, RTP,
        and FedNow transaction types.
      hints:
        readOnly: true
        openWorld: false
      call: wells-fargo-transactions.list-account-transactions
      with:
        accountId: tools.account_id
        startDate: tools.start_date
        endDate: tools.end_date
        transactionType: tools.transaction_type
      outputParameters:
      - type: object
        mapping: $.
    - name: get-transaction-detail
      description: Get full detail for a specific Wells Fargo transaction.
      hints:
        readOnly: true
        openWorld: false
      call: wells-fargo-transactions.get-transaction-detail
      with:
        accountId: tools.account_id
        transactionId: tools.transaction_id
      outputParameters:
      - type: object
        mapping: $.
    - name: initiate-gateway-payment
      description: Initiate a payment via Wells Fargo Gateway (supports intelligent routing to RTP/FedNow/ACH).
      hints:
        readOnly: false
        destructive: false
        idempotent: false
      call: wells-fargo-gateway.create-payment
      with:
        amount: tools.amount
        currency: tools.currency
        recipient_account: tools.recipient_account
        description: tools.description
      outputParameters:
      - type: object
        mapping: $.
    - name: list-gateway-payments
      description: List payment history from the Wells Fargo Gateway platform.
      hints:
        readOnly: true
        openWorld: false
      call: wells-fargo-gateway.list-payments
      outputParameters:
      - type: object
        mapping: $.
    - name: initiate-ach-payment
      description: Initiate a single ACH credit or debit payment via Wells Fargo. Supports CCD, CTX, PPD, and WEB transaction
        codes.
      hints:
        readOnly: false
        destructive: false
        idempotent: false
      call: wells-fargo-ach.initiate-ach-payment
      with:
        debit_account_id: tools.debit_account_id
        amount: tools.amount
        currency: tools.currency
        credit_account_number: tools.credit_account_number
        credit_routing_number: tools.credit_routing_number
        receiver_name: tools.receiver_name
        same_day: tools.same_day_ach
        effective_date: tools.effective_date
      outputParameters:
      - type: object
        mapping: $.
    - name: list-ach-payments
      description: List ACH payment history and status.
      hints:
        readOnly: true
        openWorld: false
      call: wells-fargo-ach.list-ach-payments
      with:
        startDate: tools.start_date
        endDate: tools.end_date
        status: tools.status
      outputParameters:
      - type: object
        mapping: $.
    - name: get-ach-payment-status
      description: Get current status and settlement details of an ACH payment.
      hints:
        readOnly: true
        openWorld: false
      call: wells-fargo-ach.get-ach-payment
      with:
        paymentId: tools.payment_id
      outputParameters:
      - type: object
        mapping: $.
    - name: cancel-ach-payment
      description: Cancel a pending ACH payment before it is submitted to the ACH network.
      hints:
        readOnly: false
        destructive: true
        idempotent: true
      call: wells-fargo-ach.cancel-ach-payment
      with:
        paymentId: tools.payment_id
      outputParameters:
      - type: object
        mapping: $.
    - name: submit-ach-batch
      description: Submit a batch ACH payment file with multiple credit or debit transactions.
      hints:
        readOnly: false
        destructive: false
        idempotent: false
      call: wells-fargo-ach.submit-ach-batch
      with:
        company_name: tools.company_name
        effective_date: tools.effective_date
        transactions: tools.transactions
      outputParameters:
      - type: object
        mapping: $.
    - name: list-ach-returns
      description: List ACH returns and Notifications of Change (NOC) for monitoring payment exceptions.
      hints:
        readOnly: true
        openWorld: false
      call: wells-fargo-ach.list-ach-returns
      with:
        startDate: tools.start_date
        endDate: tools.end_date
        returnType: tools.return_type
      outputParameters:
      - type: object
        mapping: $.