An AI agent (gpt-4.1-mini, temperature 0) gets your request and only MCPal's tools. Each tool call runs the real MCPal server, which calls PayPal. Policy for this demo: a human approves anything over $250.00 and every payout to a recipient never paid before (the regular courier is pre-approved); daily cap $1000.00; refunds above $250.00 need approval.