diff --git a/pyproject.toml b/pyproject.toml
index c23844d..4b2b4ac 100644
--- a/pyproject.toml
+++ b/pyproject.toml
@@ -13,6 +13,7 @@ authors = [{ name = "Coulomb" }]
 dependencies = [
     "fastapi>=0.115,<1.0",
     "httpx>=0.27,<1.0",
+    "mcp>=1.9,<2.0",
     "PyYAML>=6.0,<7.0",
     "uvicorn[standard]>=0.30,<1.0",
 ]
@@ -20,6 +21,7 @@ dependencies = [
 [project.optional-dependencies]
 dev = [
     "pytest>=8.2,<9.0",
+    "pytest-asyncio>=0.24,<1.0",
     "ruff>=0.6,<1.0",
 ]
 
@@ -39,6 +41,7 @@ addopts = [
     "--disable-warnings",
     "--tb=short",
 ]
+asyncio_mode = "auto"
 
 [tool.ruff]
 line-length = 100
diff --git a/src/qonto_assistant/app.py b/src/qonto_assistant/app.py
index f0115e0..9a2b88f 100644
--- a/src/qonto_assistant/app.py
+++ b/src/qonto_assistant/app.py
@@ -1,7 +1,7 @@
 from __future__ import annotations
 
-from collections.abc import Callable
-from contextlib import suppress
+from collections.abc import AsyncIterator, Callable
+from contextlib import AsyncExitStack, asynccontextmanager, suppress
 import logging
 from uuid import uuid4
 
@@ -16,6 +16,7 @@ from qonto_assistant.auth import actor_claims_from_request
 from qonto_assistant.config import Settings
 from qonto_assistant.credentials import build_credential_provider
 from qonto_assistant.errors import QontoAssistantError, UpstreamError
+from qonto_assistant.mcp_server import create_mcp_server
 from qonto_assistant.policy import PolicyEngine
 from qonto_assistant.qonto_client import FixtureQontoClient, QontoClient
 from qonto_assistant.rate_limits import ConcurrencyLimiter, RateLimiter
@@ -39,9 +40,21 @@ def create_app(
         concurrency_limiter=concurrency_limiter,
     )
 
-    app = FastAPI(title="qonto-assistant", version=__version__)
+    mcp_server = create_mcp_server(settings=settings)
+    mcp_app = mcp_server.streamable_http_app()
+
+    @asynccontextmanager
+    async def lifespan(_: FastAPI) -> AsyncIterator[None]:
+        async with AsyncExitStack() as stack:
+            await stack.enter_async_context(mcp_app.router.lifespan_context(mcp_app))
+            yield
+            with suppress(Exception):
+                service.client.close()
+
+    app = FastAPI(title="qonto-assistant", version=__version__, lifespan=lifespan)
     app.state.settings = settings
     app.state.service = service
+    app.mount("/mcp", mcp_app)
 
     @app.exception_handler(QontoAssistantError)
     def handle_qonto_error(_: Request, exc: QontoAssistantError) -> JSONResponse:
@@ -108,11 +121,6 @@ def create_app(
         )
         return JSONResponse(content=payload, headers={"X-Request-ID": request_id})
 
-    @app.on_event("shutdown")
-    def shutdown_event() -> None:
-        with suppress(Exception):
-            service.client.close()
-
     return app
 
 
diff --git a/src/qonto_assistant/mcp_server.py b/src/qonto_assistant/mcp_server.py
new file mode 100644
index 0000000..96a0724
--- /dev/null
+++ b/src/qonto_assistant/mcp_server.py
@@ -0,0 +1,37 @@
+from __future__ import annotations
+
+from mcp.server.fastmcp import FastMCP
+from starlette.applications import Starlette
+
+from qonto_assistant import __version__
+from qonto_assistant.config import Settings
+
+
+def create_mcp_server(*, settings: Settings) -> FastMCP:
+    """Build the MCP adapter on the same capability core as the REST surface.
+
+    Phase 2 (QONTO-WP-0003) scope note: this skeleton exposes only a smoke
+    tool. Real read tools (`qonto_org_summary`, `qonto_list_transactions`,
+    `qonto_cost_run_rate_hints`) land in QONTO-WP-0003-T02, routed through the
+    same `CapabilityRequest` -> `PolicyEngine.decide()` path REST already
+    uses -- no policy fork between transports.
+    """
+    server = FastMCP(
+        name=settings.service_name,
+        instructions=(
+            "Governed read-only Qonto finance awareness for Binky. "
+            "No spend, transfer, card, or volume-cost tools are exposed here."
+        ),
+        stateless_http=True,
+    )
+
+    @server.tool()
+    def qonto_ping() -> dict[str, str]:
+        """Smoke tool confirming the MCP adapter is reachable. No bank call."""
+        return {"status": "ok", "service": settings.service_name, "version": __version__}
+
+    return server
+
+
+def mcp_asgi_app(*, settings: Settings) -> Starlette:
+    return create_mcp_server(settings=settings).streamable_http_app()
diff --git a/tests/test_mcp_server.py b/tests/test_mcp_server.py
new file mode 100644
index 0000000..3e8ab0a
--- /dev/null
+++ b/tests/test_mcp_server.py
@@ -0,0 +1,25 @@
+import pytest
+
+from qonto_assistant.config import Settings
+from qonto_assistant.mcp_server import create_mcp_server
+
+
+def _settings() -> Settings:
+    settings = Settings.from_env()
+    return settings
+
+
+@pytest.mark.asyncio
+async def test_mcp_server_starts_and_lists_smoke_tool() -> None:
+    server = create_mcp_server(settings=_settings())
+    tools = await server.list_tools()
+    tool_names = {tool.name for tool in tools}
+    assert "qonto_ping" in tool_names
+
+
+@pytest.mark.asyncio
+async def test_mcp_server_smoke_tool_returns_no_bank_call() -> None:
+    server = create_mcp_server(settings=_settings())
+    result = await server.call_tool("qonto_ping", {})
+    payload = result[1] if isinstance(result, tuple) else result
+    assert payload is not None
diff --git a/tests/test_policy.py b/tests/test_policy.py
index e1dc7c4..d8068b9 100644
--- a/tests/test_policy.py
+++ b/tests/test_policy.py
@@ -1,5 +1,7 @@
 from pathlib import Path
 
+import pytest
+
 from qonto_assistant.contracts import ActorClaims, CapabilityRequest
 from qonto_assistant.policy import PolicyEngine
 
@@ -85,3 +87,34 @@ def test_policy_enforces_scope_when_enabled() -> None:
     decision = _policy(enforce_scope=True).decide(request)
     assert decision.allowed is False
     assert decision.reason == "authz_denied"
+
+
+@pytest.mark.parametrize("protocol", ["rest", "mcp"])
+def test_policy_decision_identical_across_protocols(protocol: str) -> None:
+    """QONTO-WP-0003-T01: REST and MCP must hit the identical policy path.
+
+    The decision for a known-deny case (a spend-shaped capability id) must
+    not depend on which transport originated the request.
+    """
+    claims = ActorClaims(
+        actor_id="agent-1",
+        tenant_id="binky",
+        lane="green",
+        scopes=frozenset({"finance.qonto.read"}),
+    )
+    request = CapabilityRequest(
+        capability_id="list_transactions",
+        tenant_id="binky",
+        actor_claims=claims,
+        resource_scope="test",
+        request_args={
+            "page": 1,
+            "page_size": 50,
+            "window_days": 31,
+            "requested_action": "transfer_funds",
+        },
+        protocol=protocol,
+    )
+    decision = _policy().decide(request)
+    assert decision.allowed is False
+    assert decision.reason == "spend"
diff --git a/workplans/QONTO-WP-0003-mcp-surface.md b/workplans/QONTO-WP-0003-mcp-surface.md
index 02a259e..c3c11ca 100644
--- a/workplans/QONTO-WP-0003-mcp-surface.md
+++ b/workplans/QONTO-WP-0003-mcp-surface.md
@@ -4,7 +4,7 @@ type: workplan
 title: "Phase 2 — MCP surface for all harnesses"
 domain: infotech
 repo: qonto-assistant
-status: ready
+status: active
 owner: codex
 topic_slug: the-custodian
 created: "2026-07-22"
@@ -32,7 +32,7 @@ rejected).
 
 ```task
 id: QONTO-WP-0003-T01
-status: todo
+status: done
 priority: high
 state_hub_task_id: "b899ea70-13d4-4b70-8b45-b602359ab90b"
 ```
@@ -49,6 +49,23 @@ Done when: adapter starts, exposes an empty/smoke tool list, and a manual
 path as the REST equivalent (e.g. shared unit test parametrized over both
 protocols).
 
+**Done 2026-07-22:** Picked the official `mcp` Python SDK (`FastMCP`,
+streamable-HTTP transport, `stateless_http=True`) — added as a dependency in
+`pyproject.toml`. `src/qonto_assistant/mcp_server.py` builds the adapter with
+one smoke tool (`qonto_ping`, no bank call). `app.py` mounts it at `/mcp` with
+a combined FastAPI lifespan (`AsyncExitStack` entering the MCP session
+manager's lifespan) so the adapter starts/stops with the service — verified
+live (`StreamableHTTP session manager started/shutting down` in logs,
+`/v1/health` still 200, `/mcp` reachable). `tests/test_policy.py` adds
+`test_policy_decision_identical_across_protocols`, parametrized over
+`protocol="rest"`/`"mcp"`, proving `PolicyEngine.decide()` is transport-
+agnostic (the `protocol` field is carried on `CapabilityRequest` but never
+branches policy logic). `tests/test_mcp_server.py` proves the adapter starts
+and lists/calls the smoke tool. `pytest-asyncio` added as a dev dependency
+(`asyncio_mode = "auto"`). Verified: `pytest` → `20 passed`;
+`python3 -m compileall src tests scripts`. No capability tools yet — that's
+QONTO-WP-0003-T02.
+
 ## Task: MCP tool catalog mapped to allowed capabilities
 
 ```task