WariMCP

The AI-native payment layer for West Africa

Overview

WariMCP is an MCP (Model Context Protocol) server that gives AI agents and LLMs a unified, production-ready interface to all major West African payment rails.

Instead of integrating CinetPay, Wave, Hub2/Ecobank, and PAPSS one by one — WariMCP exposes them all through a single, consistent API that any Claude, GPT, or custom AI agent can call natively.

Built for:

• AI agents that need to initiate, track, or refund payments in West Africa
• Developers building fintech products across UEMOA and pan-African corridors
• Agencies that need a white-label payment middleware layer

Supported Payment Rails

| Provider | Region | Coverage | Phase | |---|---|---|---| | CinetPay | UEMOA | Orange Money, MTN, Wave, Moov, Visa/MC | Phase 1 | | Wave | Côte d'Ivoire, Sénégal | Wave mobile wallet | Phase 1 | | Hub2 / Ecobank | UEMOA (unified) | 200M+ mobile wallets, single API | Phase 2 | | PAPSS | Pan-African | CI ↔ Kenya corridor, 160+ banks, local currency | Phase 3 |

Installation

npm install warimcp

Environment Variables

Copy .env.example and fill in your credentials:

cp .env.example .env

CINETPAY_API_KEY=your_cinetpay_api_key
CINETPAY_SITE_ID=your_cinetpay_site_id
WAVE_API_KEY=your_wave_api_key
HUB2_API_KEY=your_hub2_api_key
PAPSS_API_KEY=your_papss_api_key
WARIMCP_PORT=3000
WARIMCP_ENV=development

Usage

As an MCP Server (Claude / Cursor / Windsurf)

Add to your .claude.json or MCP config:

{
  "mcpServers": {
    "warimcp": {
      "command": "node",
      "args": ["/path/to/warimcp/src/index.js"],
      "env": {
        "CINETPAY_API_KEY": "...",
        "CINETPAY_SITE_ID": "..."
      }
    }
  }
}

As a Node.js Module

const warimcp = require('warimcp');

const result = await warimcp.initiatePayment({
  provider: 'cinetpay',
  amount: 5000,
  currency: 'XOF',
  customer: { name: 'Kofi Atta', phone: '+2250700000000' },
  description: 'Invoice #001',
  return_url: 'https://yourapp.com/payment/callback'
});

MCP Tools

WariMCP exposes the following tools to AI agents:

| Tool | Description | |---|---| | initiate_payment | Start a payment via any supported rail | | check_status | Poll the status of a transaction | | refund | Issue a full or partial refund | | list_transactions | List recent transactions with filters | | generate_payment_link | Create a shareable payment link |

Roadmap

Phase 1 — CinetPay + Wave (March 2026)

• [x] Project scaffold + MCP server
• [ ] CinetPay provider: initiate_payment, check_status, refund
• [ ] Wave provider: initiate_payment, check_status
• [ ] Webhook handler (payment confirmation)
• [ ] Master log / queue for Always-On reliability
• [ ] npm publish (npm install warimcp)

Phase 2 — Hub2 / Ecobank Unified Gateway (60 days)

• [ ] Hub2 provider integration (single API → full UEMOA)
• [ ] Unified routing layer (auto-select best rail by country/wallet)
• [ ] list_transactions across providers
• [ ] Hosted dashboard (transaction monitor)

Phase 3 — PAPSS Pan-African Corridor (Q3 2026)

• [ ] PAPSS integration (CI ↔ Kenya + 160 banks)
• [ ] Multi-currency settlement engine
• [ ] Enterprise middleware API (AI Bookkeeper, Bulk Payment Agent)
• [ ] Partnership program (Hub2, CinetPay, Orange Ventures)

Contributing

PRs, issues, and discussions are welcome. Please open an issue before submitting major changes.

1. Fork the repo
2. Create your branch: git checkout -b feat/your-feature
3. Commit your changes: git commit -m 'feat: add your feature'
4. Push: git push origin feat/your-feature
5. Open a Pull Request

License

MIT — Built by Bigabou in Abidjan, Côte d'Ivoire.