Mifos MCP - Model Context Protocol (MCP)

This project provides Model Context Protocol (MCP) for the Mifos X Ecosystem, enabling AI agents to access financial data and operations.

Implementations are available in:
- Go (Native) — 102 typed tools (high-performance, cloud-native with SSE/Stdio).
- Java (Quarkus) — 38 typed tools (across Backoffice and Recommendations).
- Python (FastMCP) — 49 typed tools (modular domain-driven design).
- Rust — 89 typed tools (high-performance async I/O with exclusive bulk operations).

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Architecture Overview

The Mifos MCP Server acts as a standalone, stateless integration tier that bridges any AI assistant or agent framework to the Apache Fineract banking backend.

┌──────────────────────────────────────────────┐
│            Apache Fineract / Mifos X          │
└───────────────────────┬──────────────────────┘
                        │ REST API
┌───────────────────────────────▼───────────────────────────────┐
│                 mcp-mifosx (Primary Repo)                     │
│                                                               │
│  ┌─────────────────┐ ┌─────────────────┐ ┌─────────────────┐ ┌─────────────────┐  │
│  │   /go (Native)  │ │ /java (Quarkus) │ │/python (FastMCP)│ │  /rust (Tokio)  │  │
│  │                 │ │                 │ │                 │ │                 │  │
│  │ - 102 Tools     │ │ - 38 Tools      │ │ - 49 Tools      │ │ - 89 Tools      │  │
│  │ - Go Routines   │ │ - Backoffice    │ │ - Modular Design│ │ - Async I/O     │  │
│  │ - SSE / Stdio   │ │ - Recommend.    │ │                 │ │ - Bulk Actions  │  │
│  └────────┬────────┘ └────────┬────────┘ └────────┬────────┘ └────────┬────────┘  │
└───────────┴───────────────────┼───────────────────┼───────────────────┴───────────┘
                        │ MCP Protocol (stdio / SSE)
          ┌─────────────┼──────────────┐
          ▼             ▼              ▼
    Mifos X WebApp   Claude Code     n8n / Custom
    AI Assistant     (claude.ai)     Workflow Agent
    (your client)   (external)       (your client)

This repository is framework-agnostic. The client (LLM brain, UI, memory) lives in a separate repository. Any MCP-compatible system can plug in.

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Implementation Synchronization

While this repository hosts two different programming languages, they are kept in functional parity where possible to ensure a consistent experience.

How they "Sync":

1. Tool Specification: All implementations aim to expose the same core banking tools. - Go currently leads with 102 tools, featuring advanced cloud-native features and SSE. - Rust provides 89 tools, uniquely featuring high-concurrency Bulk Operations and robust "Fetch-and-Merge" state management. - Python provides 49 tools using a modular domain design. - Java provides 38 tools (21 for Backoffice operations and 17 for User Recommendations). 2. API Alignment: All implementations are built against the same Apache Fineract REST API. They share identical logic for field routing. 3. Stateless Parity: All implementations follow a strictly stateless design. None of the servers store user data, PII, or AI memory. 4. Testing Protocol: Shared "Smoke Tests" ensure that all implementations return identical, predictable JSON structures to the LLM.

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Project Structure

This repository is structured to support multiple implementations and client integrations.

.
├── README.md               # Root entry point & cross-implementation guide
├── go/                     # Go Implementation (Native / High-Performance)
│   ├── tools/              # 102 Domain-specific tools (SSE/Stdio)
│   ├── server/             # Dual-transport logic (HTTP/SSE & Stdio)
│   └── main.go             # Server entry point
├── rust/                   # Rust Implementation (Tokio/Reqwest)
│   ├── src/                # Multi-threaded typed tools & bulk execution logic
│   └── Cargo.toml          # Rust package dependencies
├── python/                 # Python Implementation (FastMCP)
│   ├── mcp_server.py       # Main entry point for the MCP server
│   ├── tools/              # Domain-specific banking tools (Loans, Clients, etc.)
│   └── core/               # API Gateway handlers
└── java/                   # Java Implementation (Quarkus)
    ├── backoffice/         # Core banking tools
    └── userrecommendation/ # Recommendation engine tools

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Getting Started

1. Choose Your Implementation

Go (Native & Cloud-Ready)

Prerequisites: Go 1.21+

Steps:
1. Configure Environment:
Copy go/.env.example to go/.env and update credentials.
2. Build and Run:

   cd go

   go build -o mcp-server .

   ./mcp-server

   

3. SSE Mode (Optional):
Define PORT=8080 in .env to switch from Stdio to SSE microservice mode.

Rust (High-Performance)

Prerequisites: Rust (Cargo)

Steps:
1. Configure Environment:
Copy rust/.env.example to rust/.env and update credentials.
2. Build and Run:

   cd rust

   cargo build --release

   ./target/release/mcp-rust-mifosx

   

Java (Quarkus)

Prerequisites: JDK 21+, Maven

Steps:
1. Configure Environment Variables:

   export MIFOSX_BASE_URL="https://your-fineract-instance"

   export MIFOSX_BASIC_AUTH_TOKEN="your_api_token"

   export MIFOS_TENANT_ID="default"

   

2. Run via JBang:

   jbang --quiet org.mifos.community.ai:mcp-server:1.0.0-SNAPSHOT:runner

   

3. Build Native Executable (Optional):

   cd java/backoffice

   ./mvnw package -Dnative

   ./target/mcp-server-1.0.0-SNAPSHOT-runner

   

Python (FastMCP)

Prerequisites: Python 3.10+, pip

Steps:
1. Navigate to the Python directory:

   cd python

   

2. Install dependencies:

   pip install -r requirements.txt

   

3. Configure Environment:
Copy .env.example to .env and fill in your details.
4. Run the Server:

   python mcp_server.py

   

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Available Tools Summary

The exact number and categorization of tools depend on the core server implementation deployed:

Go (102 Tools)

The most feature-complete implementation with native concurrent routines. - Clients & Identities: 16 Tools - Documents & Reports: 26 Tools - Loans & Savings: 23 Tools - Groups & Centers: 13 Tools - Bulk & Composite: 19 Tools (Cloud-Native) - Accounting & Stats: 5 Tools

Rust (89 Tools)

Built for asynchronous scale, bulk processing, and robust state-aware updates. - Clients & Collaterals: 25 Tools - Loans & Collaterals: 19 Tools - Groups, Savings & Centers: 23 Tools - Staff, Accounting & Charges: 11 Tools - Bulk Operations: 11 Tools (Exclusive to Rust)

Python (49 Tools)

Domain-driven design bridging AI directly to Fineract. - Clients & Groups: 16 Tools - Loans & Savings: 20 Tools - Staff & Accounting: 13 Tools

Java (38 Tools)

Enterprise suite categorized between Backoffice and recommendation engines. - Backoffice Operations: 21 Tools (Covers Clients, Loans, Savings) - User Recommendations: 17 Tools (Exclusive to Java)

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Testing with MCP Inspector

Use the MCP Inspector to test and debug your server interactively:

npx @modelcontextprotocol/inspector <command_to_run_yours_server>

For Python:

npx @modelcontextprotocol/inspector python python/mcp_server.py

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Examples - Backoffice Agent

| Video URL | Title | Prompt | Implementation |
| :--- | :--- | :--- | :--- |
| https://youtu.be/MDQKRoz5GKw?si=69X77C58nFhy6Ioh | Join and Try the Mifos MCP | Go to https://ai.mifos.community | Go / Java / Python / Rust |
| https://youtu.be/y5MR3j8EGM4?si=zXTurBNql4xF5CGY | Create Client | Create client using name: OCTAVIO PAZ, email: octaviopaz@mifos.org, etc. | Go / Java / Python / Rust |
| https://youtu.be/qJsC25cd-1g?si=qQzX8DeOe0_2qhfr | Activate Client | Activate the client OCTAVIO PAZ | Go / Java / Python / Rust |
| https://youtu.be/X1g_nVDsRnM?si=K7vsAN7gOLEC2OG0 | Add Address to Client | Add the address to the client OCTAVIO PAZ (Plaza de Loreto) | Java |
| https://youtu.be/xeL9_sycwA8?si=AtV6F4WhTvcDspSp | Add Personal Reference | Add Maria Elena Ramírez as sister to OCTAVIO PAZ | Java |
| https://youtu.be/IKGMeAJBAOk?si=N27rE64dn7qxmMBk | Create a Loan Product | Create default loan product named "SILVER" (10% interest) | Java |
| https://youtu.be/5EdgUyLyP0w?si=L0UdYjXlyYF6faL5 | Create Loan Application | Apply for individual loan for OCTAVIO PAZ using SILVER | Go / Java / Python / Rust |
| https://youtu.be/2ioN_8z_uaY?si=ZTB5rCrgS2jTpC4- | Approve Loan | Approve the loan account | Go / Java / Python / Rust |
| https://youtu.be/dDebmrn4lB0?si=0GTf4asCBHnsu27f | Disbursement of Loan | Disburse loan account using Money Transfer | Go / Java / Python / Rust |
| https://youtu.be/N3wnyJCh_Ik?si=gSy5LrJdFF2kfzHd | Make Loan Repayment | Make a repayment for account 6 (Amount: 6687.59) | Go / Java / Python / Rust |
| https://youtu.be/bOuTj97hyqU?si=9bpno4Kp0II1IfPY | Create Savings Product | Create default savings product named "WALLET" | Java |
| https://youtu.be/l-Z7LlE3AnM?si=yQM4lloJL8Hu6yv8 | Create Savings App | Apply for savings account for OCTAVIO PAZ using WALLET | Go / Java / Python / Rust |
| https://youtu.be/Q5ExlhalG8U?si=TwbsUZX30G3JeNJy | Approve Savings App | Approve the savings account with note "MY FIRST APPROVAL" | Go / Java / Python / Rust |
| https://youtu.be/DJgUiRYK-rE?si=YatfVgOgpbP4wV91 | Activate Savings | Activate the savings account | Go / Java / Python / Rust |
| https://youtu.be/Od7KFqktUtI?si=gPJNlLOB_7D74QdS | Make a Deposit | Create DEPOSIT of 5000 for account 1 | Go / Java / Python / Rust |
| https://youtu.be/9OL6N5wKG7c?si=R50RjTK6GI_ODuUs | Make a Withdrawal | Create WITHDRAWAL of 2000 for account 1 | Go / Java / Python / Rust |

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Security & Guardrails

- Universal Compatibility — Works with Claude, GPT-4, Qwen, or any MCP client. - Data Sovereignty — The server makes no external calls. - RBAC Enforced — Every action is validated against Fineract's native permissions.

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Contact & Community

- Mifos Community: https://mifos.org
- Mifos MCP (Docker): https://hub.docker.com/r/openmf/mifos-mcp
- Chatbot Demo: https://ai.mifos.community