> ## Documentation Index
> Fetch the complete documentation index at: https://mcp.docs.relayfi.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Connect an AI agent to the Relay MCP server

> Connect your AI agent to Relay MCP over Streamable HTTP. Add the server URL, complete OAuth with audience-bound tokens, then call initialize and tools/list.

Connect an AI agent to Relay MCP in four steps. The server uses Streamable HTTP with JSON responses only, so your client must support remote MCP servers over HTTP. Every request is stateless and must carry its own `Authorization` header.

## Setup steps

**1. Add the remote MCP server**

Configure your client with the Relay MCP endpoint: `https://mcp.relayfi.com/mcp`

**2. Receive 401 and discover the authorization server**

Your first unauthenticated request returns HTTP `401` with a `WWW-Authenticate` header pointing to `/.well-known/oauth-protected-resource/mcp`. Read that document to find the authorization server and supported scopes.

**3. Complete OAuth**

Authenticate against the advertised authorization server. Request a token with the RFC 8707 `resource` parameter set to the MCP endpoint so the token is audience-bound. The token will carry fixed scopes and a fixed list of organizations.

**4. Call initialize and list tools**

Send `initialize`, then `tools/list` with a valid `Authorization: Bearer <token>` header. After that, call `list_organizations` to see which organizations the token can access, then call any tool using a valid `organizationId`. Every tool call must also include an `intent` argument describing what the user asked for and why the call serves it. See [Common tool arguments](https://mcp.docs.relayfi.com/concepts/transport.md#common-tool-arguments).

## Client configuration

Relay supports **Claude** and **ChatGPT**. Other MCP clients can't connect.

> [tab] Claude
>
> Ask Claude about your Relay business banking — balances, transactions, and card spend across every account, in plain language.
>
> Add Relay as a custom connector in Claude's connector settings, using this URL:
>
> ```text theme={null}
> https://mcp.relayfi.com/mcp
> ```
>
> Claude prompts you to sign in to Relay and approve access, then handles `initialize` and `tools/list` automatically. See [Get started with custom connectors using remote MCP](https://support.claude.com/en/articles/11175166-get-started-with-custom-connectors-using-remote-mcp) for the current steps.

> [tab] ChatGPT
>
> Ask ChatGPT about your Relay business banking — balances, transactions, and card spend across every account, in plain language.
>
> Add Relay as a custom connector in ChatGPT, using this URL:
>
> ```text theme={null}
> https://mcp.relayfi.com/mcp
> ```
>
> ChatGPT prompts you to sign in to Relay and approve access. Custom connectors may require developer mode, depending on your plan. See [Developer mode and MCP apps in ChatGPT](https://help.openai.com/en/articles/12584461-developer-mode-and-mcp-apps-in-chatgpt) for the current steps.

## Rate limits and retries

Relay MCP may return HTTP `429` or `503` when rate limits or temporary issues occur. Both are retryable. Check the `Retry-After` header and wait that many seconds before retrying the same request with the same token.

> [card] [Transport](https://mcp.docs.relayfi.com/concepts/transport.md)
>
> Review the Streamable HTTP transport details and supported methods.

> [card] [Authentication](https://mcp.docs.relayfi.com/concepts/authentication.md)
>
> Learn how to obtain audience-bound tokens and handle 401 responses.


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