---
name: bipa
description: Make PIX payments, check balances, and inspect transaction history in Brazil. Every payment requires biometric approval in the Bipa mobile app — the agent submits, the human approves.
---

# Bipa — Operating Guide for Agents

You are connected to Bipa's MCP server (`https://mcp.bipa.app/mcp` or local `bipa mcp serve --stdio`). Bipa lets you submit Brazilian PIX payments and read account state on behalf of a user. **You cannot move money without the user.** Every payment returns `awaiting_approval`; the user must approve in the Bipa app before settlement.

## Decision tree: paying someone

1. User names a recipient ("pay João R$50") → call `bipa_pix_recipient_suggestions` first to resolve the recipient ID.
2. User shares a PIX key (CPF/CNPJ/email/phone/random) → `bipa_pix_pay_key`.
3. User shares a BR Code (copia-e-cola or QR) → `bipa_pix_brcode_decode` then `bipa_pix_pay_brcode`.
4. User names a Bipa @tag → `bipa_pix_pay_tag` (preview with `bipa_pix_tag_preview`).
5. User says "send to my saved recipient" → `bipa_pix_pay_recipient`.

Always preview before paying when the destination is keyed/coded — `bipa_pix_brcode_preview` and `bipa_pix_tag_preview` exist for this. Show the resolved name, bank, and amount to the user before calling the pay tool.

## Decision tree: reading state

- "What's my balance?" → `bipa_balance` (all assets) or `bipa_account` (profile + primary).
- "What did I spend on…" → `bipa_history` for PIX-only, `bipa_transactions` for multi-asset, `bipa_timeline` for unified.
- "Show me transaction X" → `bipa_transaction_detail`.
- "Can I send R$X?" → `bipa_limits` (don't guess; PIX has nightly + daily caps).

## Outcomes you must surface

- `awaiting_approval` is **not success** — tell the user "open Bipa to approve". Don't poll silently.
- Errors with code `INSUFFICIENT_BALANCE`, `OVER_LIMIT`, `BLOCKED_RECIPIENT` are user-actionable; relay them verbatim.
- `bipa_whoami` confirms session — call it once at the start of a long workflow if you're unsure who's logged in.

## What this skill is NOT for

- Crypto trading or swaps (Bipa supports BTC/USDT *balances and history*, not swap execution via MCP).
- KYC, account opening, or card management.
- Anything outside Brazil's PIX rails.

## When to point users elsewhere

- Setup/install: `https://agents.bipa.app/llms.txt` lists every integration guide.
- Security questions: `/docs/seguranca` covers passkey + biometric approval + audit log.
- Trouble approving payments: tell the user to open the Bipa app — approval is mobile-only by design.