# Emilia Protocol (MCP server)

> Emilia Protocol is an MCP server that adds finance tools to AI assistants such as Claude Desktop, Claude Code and Cursor. Exact-action approval for consequential agent actions: request, track, and verify signed receipts. It has 612 GitHub stars, is released under the Apache-2.0 license and runs locally with npx -y @emilia-protocol/mcp-server.

An agent prepares an $82,000 supplier payment. Someone approves it. Then the amount or bank destination changes. The earlier approval must not release the changed payment.

## Key facts

| Fact | Value |
|---|---|
| Repository | https://github.com/emiliaprotocol/emilia-protocol |
| GitHub stars | 612 |
| License | Apache-2.0 |
| Language | TypeScript |
| Transport | stdio |
| Packages | npm: @emilia-protocol/mcp-server |
| Remote URL | none |
| Needs API key | yes |
| Official | no |
| Works with | Claude Desktop, Claude Code, Cursor, VS Code |
| Category | Finance |
| Latest release | v1.0.0 (Mar 27, 2026) |
| Last commit | Oct 6, 2026 |
| MCP registry name | io.github.emiliaprotocol/mcp-server |

## Install

### Claude Desktop (claude_desktop_config.json)

```json
{
  "mcpServers": {
    "emilia-protocol": {
      "command": "npx",
      "args": [
        "-y",
        "@emilia-protocol/mcp-server"
      ],
      "env": {
        "EP_API_KEY": "your-value"
      }
    }
  }
}
```

Settings > Developer > Edit Config. macOS: ~/Library/Application Support/Claude/, Windows: %APPDATA%\Claude\. Restart Claude Desktop afterwards.

### Claude Code

```sh
claude mcp add --env EP_API_KEY=your-value --transport stdio emilia-protocol -- npx -y @emilia-protocol/mcp-server
```

### Cursor (.cursor/mcp.json)

```json
{
  "mcpServers": {
    "emilia-protocol": {
      "type": "stdio",
      "command": "npx",
      "args": [
        "-y",
        "@emilia-protocol/mcp-server"
      ],
      "env": {
        "EP_API_KEY": "your-value"
      }
    }
  }
}
```

Project file; use ~/.cursor/mcp.json to enable it in every project.

### VS Code (.vscode/mcp.json)

```json
{
  "inputs": [
    {
      "type": "promptString",
      "id": "ep_api_key",
      "description": "EP_API_KEY",
      "password": true
    }
  ],
  "servers": {
    "emilia-protocol": {
      "type": "stdio",
      "command": "npx",
      "args": [
        "-y",
        "@emilia-protocol/mcp-server"
      ],
      "env": {
        "EP_API_KEY": "${input:ep_api_key}"
      }
    }
  }
}
```

Config formats checked against the official docs on 2026-10-07.

## Environment variables

- `EP_API_KEY` (secret): API key for live action-guard, signoff, and write operations. Public receipt lookup may work without it.
- `EP_INCLUDE_PROTOCOL_TOOLS`: Set to true to advertise handshake, commit, and delegation tools in addition to the default three-tool action front door.
- `EP_INCLUDE_REGISTRY_TOOLS`: Set to true to advertise the complete 36-tool legacy registry and reputation catalog.

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