How to integrate Debitura MCP with Mastra AI

This guide walks you through connecting Debitura to Mastra AI using the Composio tool router. By the end, you'll have a working Debitura agent that can search your cases, check case eligibility, review payments, manage divisions, and list tasks through natural language commands. This guide will help you understand how to give your Mastra AI agent real control over a Debitura account through Composio's Debitura MCP server. Before we dive in, let's take a quick look at the key ideas and tools involved.

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Debitura

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Debitura is a debt collection platform for managing creditor cases, payments, tasks, coverage, divisions, and webhooks. It helps teams organize collection operations and track debtor activity through a Customer API.

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Introduction

This guide will help you understand how to give your Mastra AI agent real control over a Debitura account through Composio's Debitura MCP server.

Before we dive in, let's take a quick look at the key ideas and tools involved.

Also integrate Debitura with

OpenAI Agents SDK Claude Agent SDK Claude Code Claude Cowork Codex OpenClaw Hermes CLI Google ADK LangChain Vercel AI SDK LlamaIndex CrewAI

TL;DR

Here's what you'll learn:

Set up your environment so Mastra, OpenAI, and Composio work together
Create a Tool Router session in Composio that exposes Debitura tools
Connect Mastra's MCP client to the Composio generated MCP URL
Fetch Debitura tool definitions and attach them as a toolset
Build a Mastra agent that can reason, call tools, and return structured results
Run an interactive CLI where you can chat with your Debitura agent

What is Mastra AI?

Mastra AI is a TypeScript framework for building AI agents with tool support. It provides a clean API for creating agents that can use external services through MCP.

Key features include:

MCP Client: Built-in support for Model Context Protocol servers
Toolsets: Organize tools into logical groups
Step Callbacks: Monitor and debug agent execution
OpenAI Integration: Works with OpenAI models via @ai-sdk/openai

What is the Debitura MCP server, and what's possible with it?

The Debitura MCP server is an implementation of the Model Context Protocol that connects your AI agent and assistants like Claude, Cursor, etc directly to your Debitura account. It provides structured and secure access to your collection cases, coverage, payments, divisions, tasks, and creditor profile, so your agent can assess collection options, find cases, review payments, manage divisions, and track action items on your behalf.

Case assessment and pricing: Have your agent check whether a proposed case is eligible, identify the assigned collection partner, flag signing requirements, and preview estimated pricing before you proceed.
Case search and review: Direct your agent to find collection cases by lifecycle status, debtor, or division, then retrieve the context for a specific case.
Coverage discovery: Let the agent check available collection coverage for a country or US state before you pursue a debt.
Payments and task tracking: Instruct your agent to list payments across your cases and review action items that need attention.
Division and onboarding management: Have your agent create, list, or update creditor divisions, and check your creditor profile, contract onboarding status, and signing requirements.

What is the Composio tool router, and how does it fit here?

What is Composio SDK?

Composio's Composio SDK helps agents find the right tools for a task at runtime. You can plug in multiple toolkits (like Gmail, HubSpot, and GitHub), and the agent will identify the relevant app and action to complete multi-step workflows. This can reduce token usage and improve the reliability of tool calls. Read more here: Getting started with Composio SDK

The tool router generates a secure MCP URL that your agents can access to perform actions.

How the Composio SDK works

The Composio SDK follows a three-phase workflow:

Discovery: Searches for tools matching your task and returns relevant toolkits with their details.
Authentication: Checks for active connections. If missing, creates an auth config and returns a connection URL via Auth Link.
Execution: Executes the action using the authenticated connection.

Step-by-step Guide

Step by step09 STEPS

Prerequisites

Before starting, make sure you have:

Node.js 18 or higher
A Composio account with an active API key
An OpenAI API key
Basic familiarity with TypeScript

Getting API Keys for OpenAI and Composio

OpenAI API Key

Go to the OpenAI dashboard and create an API key.
You need credits or a connected billing setup to use the models.
Store the key somewhere safe.

Composio API Key

Log in to the Composio dashboard.
Go to Settings and copy your API key.
This key lets your Mastra agent talk to Composio and reach Debitura through MCP.

Install dependencies

bash

npm install @composio/core @mastra/core @mastra/mcp @ai-sdk/openai dotenv

Install the required packages.

What's happening:

@composio/core is the Composio SDK for creating MCP sessions
@mastra/core provides the Agent class
@mastra/mcp is Mastra's MCP client
@ai-sdk/openai is the model wrapper for OpenAI
dotenv loads environment variables from .env

Set up environment variables

bash

COMPOSIO_API_KEY=your_composio_api_key_here
COMPOSIO_USER_ID=your_user_id_here
OPENAI_API_KEY=your_openai_api_key_here

Create a .env file in your project root.

What's happening:

COMPOSIO_API_KEY authenticates your requests to Composio
COMPOSIO_USER_ID tells Composio which user this session belongs to
OPENAI_API_KEY lets the Mastra agent call OpenAI models

Import libraries and validate environment

typescript

import "dotenv/config";
import { openai } from "@ai-sdk/openai";
import { Agent } from "@mastra/core/agent";
import { MCPClient } from "@mastra/mcp";
import { Composio } from "@composio/core";
import * as readline from "readline";

import type { AiMessageType } from "@mastra/core/agent";

const openaiAPIKey = process.env.OPENAI_API_KEY;
const composioAPIKey = process.env.COMPOSIO_API_KEY;
const composioUserID = process.env.COMPOSIO_USER_ID;

if (!openaiAPIKey) throw new Error("OPENAI_API_KEY is not set");
if (!composioAPIKey) throw new Error("COMPOSIO_API_KEY is not set");
if (!composioUserID) throw new Error("COMPOSIO_USER_ID is not set");

const composio = new Composio({
  apiKey: composioAPIKey as string,
});

What's happening:

dotenv/config auto loads your .env so process.env.* is available
openai gives you a Mastra compatible model wrapper
Agent is the Mastra agent that will call tools and produce answers
MCPClient connects Mastra to your Composio MCP server
Composio is used to create a Tool Router session

Create a Tool Router session for Debitura

typescript

async function main() {
  const session = await composio.create(
    composioUserID as string,
    {
      toolkits: ["debitura"],
    },
  );

  const composioMCPUrl = session.mcp.url;
  console.log("Debitura MCP URL:", composioMCPUrl);

What's happening:

create spins up a short-lived MCP HTTP endpoint for this user
The toolkits array contains "debitura" for Debitura access
session.mcp.url is the MCP URL that Mastra's MCPClient will connect to

Configure Mastra MCP client and fetch tools

typescript

const mcpClient = new MCPClient({
    id: composioUserID as string,
    servers: {
      nasdaq: {
        url: new URL(composioMCPUrl),
        requestInit: {
          headers: session.mcp.headers,
        },
      },
    },
    timeout: 30_000,
  });

console.log("Fetching MCP tools from Composio...");
const composioTools = await mcpClient.getTools();
console.log("Number of tools:", Object.keys(composioTools).length);

What's happening:

MCPClient takes an id for this client and a list of MCP servers
The headers property includes the x-api-key for authentication
getTools fetches the tool definitions exposed by the Debitura toolkit

Create the Mastra agent

typescript

const agent = new Agent({
    name: "debitura-mastra-agent",
    instructions: "You are an AI agent with Debitura tools via Composio.",
    model: "openai/gpt-5",
  });

What's happening:

Agent is the core Mastra agent
name is just an identifier for logging and debugging
instructions guide the agent to use tools instead of only answering in natural language
model uses openai("gpt-5") to configure the underlying LLM

Set up interactive chat interface

typescript

let messages: AiMessageType[] = [];

console.log("Chat started! Type 'exit' or 'quit' to end.\n");

const rl = readline.createInterface({
  input: process.stdin,
  output: process.stdout,
  prompt: "> ",
});

rl.prompt();

rl.on("line", async (userInput: string) => {
  const trimmedInput = userInput.trim();

  if (["exit", "quit", "bye"].includes(trimmedInput.toLowerCase())) {
    console.log("\nGoodbye!");
    rl.close();
    process.exit(0);
  }

  if (!trimmedInput) {
    rl.prompt();
    return;
  }

  messages.push({
    id: crypto.randomUUID(),
    role: "user",
    content: trimmedInput,
  });

  console.log("\nAgent is thinking...\n");

  try {
    const response = await agent.generate(messages, {
      toolsets: {
        debitura: composioTools,
      },
      maxSteps: 8,
    });

    const { text } = response;

    if (text && text.trim().length > 0) {
      console.log(`Agent: ${text}\n`);
        messages.push({
          id: crypto.randomUUID(),
          role: "assistant",
          content: text,
        });
      }
    } catch (error) {
      console.error("\nError:", error);
    }

    rl.prompt();
  });

  rl.on("close", async () => {
    console.log("\nSession ended.");
    await mcpClient.disconnect();
    process.exit(0);
  });
}

main().catch((err) => {
  console.error("Fatal error:", err);
  process.exit(1);
});

What's happening:

messages keeps the full conversation history in Mastra's expected format
agent.generate runs the agent with conversation history and Debitura toolsets
maxSteps limits how many tool calls the agent can take in a single run
onStepFinish is a hook that prints intermediate steps for debugging

Complete Code

Here's the complete code to get you started with Debitura and Mastra AI:

typescript

import "dotenv/config";
import { openai } from "@ai-sdk/openai";
import { Agent } from "@mastra/core/agent";
import { MCPClient } from "@mastra/mcp";
import { Composio } from "@composio/core";
import * as readline from "readline";

import type { AiMessageType } from "@mastra/core/agent";

const openaiAPIKey = process.env.OPENAI_API_KEY;
const composioAPIKey = process.env.COMPOSIO_API_KEY;
const composioUserID = process.env.COMPOSIO_USER_ID;

if (!openaiAPIKey) throw new Error("OPENAI_API_KEY is not set");
if (!composioAPIKey) throw new Error("COMPOSIO_API_KEY is not set");
if (!composioUserID) throw new Error("COMPOSIO_USER_ID is not set");

const composio = new Composio({ apiKey: composioAPIKey as string });

async function main() {
  const session = await composio.create(composioUserID as string, {
    toolkits: ["debitura"],
  });

  const composioMCPUrl = session.mcp.url;

  const mcpClient = new MCPClient({
    id: composioUserID as string,
    servers: {
      debitura: {
        url: new URL(composioMCPUrl),
        requestInit: {
          headers: session.mcp.headers,
        },
      },
    },
    timeout: 30_000,
  });

  const composioTools = await mcpClient.getTools();

  const agent = new Agent({
    name: "debitura-mastra-agent",
    instructions: "You are an AI agent with Debitura tools via Composio.",
    model: "openai/gpt-5",
  });

  let messages: AiMessageType[] = [];

  const rl = readline.createInterface({
    input: process.stdin,
    output: process.stdout,
    prompt: "> ",
  });

  rl.prompt();

  rl.on("line", async (input: string) => {
    const trimmed = input.trim();
    if (["exit", "quit"].includes(trimmed.toLowerCase())) {
      rl.close();
      return;
    }

    messages.push({ id: crypto.randomUUID(), role: "user", content: trimmed });

    const { text } = await agent.generate(messages, {
      toolsets: { debitura: composioTools },
      maxSteps: 8,
    });

    if (text) {
      console.log(`Agent: ${text}\n`);
      messages.push({ id: crypto.randomUUID(), role: "assistant", content: text });
    }

    rl.prompt();
  });

  rl.on("close", async () => {
    await mcpClient.disconnect();
    process.exit(0);
  });
}

main();

Conclusion

You've built a Mastra AI agent that can interact with Debitura through Composio's Tool Router. You can extend this further by:

Adding other toolkits like Gmail, Slack, or GitHub
Building a web-based chat interface around this agent
Using multiple MCP endpoints to enable cross-app workflows

TOOLS

Supported Tools

Every Debitura action and event your agent gets out of the box.

Check Case Eligibility

Check whether Debitura covers a proposed debtor jurisdiction and amount, returning the matched partner and power-of-attorney status without creating a case.

Create Division

Create a creditor division with its company, address, and office contact profile.

Get Case Context

Get one case by Debitura ID, Debitura reference, or creditor reference.

Get Creditor Status

Return the connected creditor profile together with debt-collection contract onboarding status and any signing URL.

List Divisions

List creditor divisions, optionally including archived divisions.

List Payments

List payments across all creditor cases.

List Tasks

List the creditor's action-item work queue across cases.

Preview Case

Preview collection eligibility, partner assignment, blocking signing actions, jurisdiction, and estimated pricing without creating a case.

Search Cases

Search the creditor's collection cases by lifecycle status, case IDs, debtor IDs, division IDs, and supported sort order.

Search Coverage

Find Debitura collection coverage by exact jurisdiction ID or by filtering the canonical coverage catalog for a country and optional US state.

Update Division

Fully replace an existing creditor division's editable company, address, and office contact profile.

FRAMEWORKS

How to build Debitura MCP Agent with another framework

OpenAI Agents SDK

Use Debitura MCP with OpenAI Agents SDK

Claude Agent SDK

Use Debitura MCP with Claude Agent SDK

Claude Code

Use Debitura MCP with Claude Code

Claude Cowork

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Codex

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OpenClaw

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Hermes

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CLI

Use Debitura MCP with CLI

Google ADK

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LangChain

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Vercel AI SDK

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LlamaIndex

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CrewAI

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FAQ

Frequently asked questions

With a standalone Debitura MCP server, the agents and LLMs can only access a fixed set of Debitura tools tied to that server. However, with the Composio Tool Router, agents can dynamically load tools from Debitura and many other apps based on the task at hand, all through a single MCP endpoint.

Yes, you can. Mastra AI fully supports MCP integration. You get structured tool calling, message history handling, and model orchestration while Tool Router takes care of discovering and serving the right Debitura tools.

Yes, absolutely. You can configure which Debitura scopes and actions are allowed when connecting your account to Composio. You can also bring your own OAuth credentials or API configuration so you keep full control over what the agent can do.

All sensitive data such as tokens, keys, and configuration is fully encrypted at rest and in transit. Composio is SOC 2 Type 2 compliant and follows strict security practices so your Debitura data and credentials are handled as safely as possible.

Start with Debitura.It takes 30 seconds.

Managed auth, hosted MCP servers, and every Debitura tool your agent needs.Free to start.

Start building

Customer stories

Teams ship real agents on Composio

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Karan skipped his own birthday party to fix our critical issue. It was 10pm and he diverted his Waymo to help us instead. This really sets the bar — it shows the commitment you need when users rely on your software.

Harsha Gaddipati

Co-founder, Slashy

A lot of students tell us that the moment their connected tools start talking to each other inside Opennote feels almost magical. The agent just knows them, and it's immensely helped keep new users on the platform.

Abhi Arya

Co-founder, Opennote

We chose Composio over Pipedream because it delivered depth where it mattered — niche tools and tricky edge cases other platforms simply ignored. That gave us confidence to scale without compromising.

Nirman Dave

CEO, Zams

As a solo builder, shipping fast is life or death. The only way I can outcompete incumbents is by outmanoeuvring them. Getting bogged down managing agent auth would have been a death sentence.

Ryan Yu

Founder, Extra Thursday

Before Composio, adding tool integrations was slow and resource-intensive. Each one could take weeks of engineering time, and maintaining them meant constantly keeping up with API changes.

Tomisin Jenrola

Founder & CEO, SwarmZero

With hands-on help from their founder, we integrated Gmail and Google Drive in just 30 minutes. This level of personal support and commitment is exactly what startups should strive for.

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How to integrate Debitura MCP with Mastra AI

Connect Debitura without auth hassles

Introduction

Also integrate Debitura with

TL;DR

What is Mastra AI?

What is the Debitura MCP server, and what's possible with it?

What is the Composio tool router, and how does it fit here?

What is Composio SDK?

How the Composio SDK works

Step-by-step Guide

Prerequisites

Getting API Keys for OpenAI and Composio

Install dependencies

Set up environment variables

Import libraries and validate environment

Create a Tool Router session for Debitura

Configure Mastra MCP client and fetch tools

Create the Mastra agent

Set up interactive chat interface

Complete Code

Conclusion

Supported Tools

How to build Debitura MCP Agent with another framework

OpenAI Agents SDK

Claude Agent SDK

Claude Code

Claude Cowork

Codex

OpenClaw

Hermes

CLI

Google ADK

LangChain

Vercel AI SDK

LlamaIndex

CrewAI

Explore Other Toolkits

44API

Alpaca

Billsby

Brex

Frequently asked questions

What are the differences in Tool Router MCP and Debitura MCP?+

Can I use Tool Router MCP with Mastra AI?+

Can I manage the permissions and scopes for Debitura while using Tool Router?+

How safe is my data with Composio Tool Router?+

Start with Debitura.It takes 30 seconds.

Teams ship real agents on Composio