Single tool 'execute_skill_action' has a reasonable name starting with a verb, but the implementation is severely deficient. The tool description is generic (67 chars) and lacks context on when/why to use it. Input schema is present with 4 parameters, all with descriptions and defaults, but lacks critical constraints: payment_method should be an enum (mobile_money, bank_transfer, etc.), to_country should be an enum (NG, KE, GH), and from_currency should be constrained. No output schema is documented anywhere, the mcp_server.py only prints a status message, not actual tool results. The client.py shows what the tool COULD return (transaction details), but this is never exposed in the MCP interface. No error handling, no recovery guidance, no validation. The tool appears to be a stub that does not actually invoke the payment logic.

• Add a complete output schema documenting all response fields: transaction_id (string), source_amount (number), source_currency (string), destination_country (string), payout_currency (string), payout_amount (number), fx_rate_applied (number), settlement_rail (string), settlement_speed (string), compliance_status (string).
• Convert payment_method and to_country to enum parameters with explicit allowed values. E.g., payment_method: enum [mobile_money, bank_transfer, card, wallet]; to_country: enum [NG, KE, GH, ...].
• Expand tool description to 150-250 chars explaining: 'Execute a pan-African cross-border payment. Converts source currency to destination country's local currency, applies FX rates and fees, and routes through the appropriate settlement rail (mobile money, bank transfer, etc.). Returns transaction ID, payout amount, and compliance status. Use this to send money across Nigeria, Kenya, Ghana, and other African countries.'
• Implement actual tool invocation in mcp_server.py. Currently it only prints a static status. Wire the execute_skill_action tool to call client.PanAfricanCrossBorderPaymentGatewayClient.process_pan_african_payment() and return the structured result.
• Add error handling with actionable messages. E.g., if to_country is not in the routes dict, return 'Unsupported destination country. Supported: NG (Nigeria), KE (Kenya), GH (Ghana).' If amount is negative, return 'Invalid amount: must be positive number.'