Wells Fargo Commercial Banking Treasury

naftiko: "1.0.0-alpha1"

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: "2026-05-03"

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:
    - import: wells-fargo-gateway
      location: ./shared/gateway-api.yaml
    - import: wells-fargo-transactions
      location: ./shared/account-transactions-api.yaml
    - import: wells-fargo-ach
      location: ./shared/ach-payments-api.yaml

  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: "$."