Use Tool Use for application-specific capabilities.
Use MCP for the tools and systems you want available across your entire AI ecosystem.
The future isn't fewer tools.
It's shared tools connected through standard protocols.
🔋 Like a universal wall outlet for AI.
A GitHub tool exposed through MCP can be used by Claude Desktop, Cursor, IDE agents, and your own applications without rebuilding the integration every time.
The takeaway
Tool Use is for features.
MCP is for infrastructure.
The AI tooling stack is shifting from Function Calling to Protocols. 🧵
If you're still hardcoding tool schemas into every AI application, you're creating integration debt.
Tool Use (Function Calling)
1 tool = 1 app
Your app supports Stripe. Now you need Razorpay and PayU too. Do you sprinkle if (gateway === ...) everywhere?
No — you hide every gateway behind one adapter interface, and let a registry pick by currency + country.
The rest of your app never knows which one ran
Full design 👇
A restaurant hands you a fixed ₹2L bonus pool and 120 staff. Split it "fairly." Go.
The trick: a fixed pool makes performance relative. Weighted score per person → share of the pool.
Log-scale tenure, normalized referrals, neutral scores for new hires.
👇
A customer disputes a payment you already paid out to the merchant.
The money's gone — now the bank claws it back.
The fix: model payments as a state machine driven by webhooks.
Every event = one valid transition.
Reversals are atomic.
👇
A payment comes in. Real customer or fraud? You have milliseconds to decide.
Trulipay runs every payment through a risk engine first: velocity, amount z-score, device fingerprint → score 0–100 → ALLOW / REVIEW / BLOCK.
If an attacker got read access to your fintech DB tomorrow, what would they find?
The right answer: encrypted blobs.
AES-256-GCM for PII, bcrypt for passwords, secrets validated at startup, DB access behind an audited bastion. Layers, not one wall.
Full architecture 👇
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