---
title: MCP & API reference
description: Tools, scopes, statuses and policy vocabulary as JSON.
url: https://thepoints.io/docs/agents/reference
audience: [agents, operators, developers]
---

# MCP & API reference

> **Agent Pay status:** Approve does not execute. Execution: not enabled. ACH settlement: not enabled. prepare_payment never moves money. Machine-readable: [/docs/agents/status.json](/docs/agents/status.json).

Every page here is generated from the code the Points MCP server runs, and each has a JSON twin. A test fails the build if the code and these pages disagree.

| Page | JSON | Contents |
|---|---|---|
| [MCP tools](/docs/agents/reference/mcp-tools) | [mcp-tools.json](/docs/agents/reference/mcp-tools.json) | Every tool with its scope, annotations, and input schema, including the retired `create_payment_draft` |
| [OAuth scopes](/docs/agents/reference/scopes) | [scopes.json](/docs/agents/reference/scopes.json) | The eight scopes and which tool needs which |
| [Statuses](/docs/agents/reference/statuses) | [statuses.json](/docs/agents/reference/statuses.json) | Payment draft, approval, envelope, mandate, and wallet statuses |
| [Policy vocabulary](/docs/agents/reference/policy-vocabulary) | [policy-vocabulary.json](/docs/agents/reference/policy-vocabulary.json) | Policy schema version, categories, matching rules, default velocity caps |
| [Errors](/docs/agents/reference/errors) | [errors.json](/docs/agents/reference/errors.json) | prepare_payment failure classes, JSON-RPC errors, tool errors |

Connected clients get the same tool list from `tools/list`, and the live policy for their connection from `get_agent_pay_policy_vocabulary`. OAuth discovery starts at [/.well-known/oauth-protected-resource](/.well-known/oauth-protected-resource); see [Discovery](/docs/agents/discovery).

Stable refusal codes are not published yet. See [Errors](/docs/agents/reference/errors).