API Reference
Complete reference for all MCP tools available to your chatbot.
Read Tools
These tools are available with read-only scopes. Your chatbot can query your financial data without making any changes.
- list_transactions – View all transactions with optional filters (date range, tags, amounts). Requires
read:transactions. - get_transaction_summary – Aggregate totals across transactions. Requires
read:transactions. - list_budgets / get_budget_status – View budgets and utilization. Requires
read:budgets. - list_goals / get_goal_progress – View financial goals. Requires
read:goals. - list_wallets / get_wallet_balance – View wallets and balances. Requires
read:wallets. - search_product_knowledge – Search the help and FAQ knowledge base. Requires
read:knowledge. - whoami – Returns your user ID, token ID, and scopes. Requires
meta:whoami. - list_capabilities – Lists all MCP tools available to your token. Requires
meta:whoami. - list_bill_reminders – View upcoming and recurring bill reminders. Requires
read:bills. - list_recurring_transactions – View recurring (scheduled) transactions. Requires
read:recurring. - calculate – Evaluate a safe arithmetic expression. Requires
read:knowledge. - ask_moneysaurus – Ask a finance question in natural language and get a natural-language answer. Read-only, and never exposes internal IDs. Requires
ask:agent.
Write Tools (Beta)
Write tools allow your chatbot to create and modify your financial data. Availability depends on your server configuration. Write scopes must be granted to your token.
Write tools are powerful—only grant write scopes to chatbots you trust. Every write operation is recorded in the audit log.
- Every write requires an idempotency_key (UUIDv4) to prevent accidental duplicates.
- Use dry_run: true to validate inputs without making actual changes.
- All committed writes are recorded in the audit log.
- Write tools may be disabled by your server administrator.
| Tool | Scope |
|---|---|
| create_transaction | write:transactions |
| update_transaction | write:transactions |
| delete_transaction | write:transactions |
| create_budget | write:budgets |
| update_budget | write:budgets |
| delete_budget | write:budgets |
| create_goal | write:goals |
| update_goal | write:goals |
| delete_goal | write:goals |
| add_goal_funds | write:goals |
| create_wallet | write:wallets |
| update_wallet | write:wallets |
| delete_wallet | write:wallets |
| create_bill_reminder | write:bills |
| update_bill_reminder | write:bills |
| delete_bill_reminder | write:bills |
| create_recurring_transaction | write:recurring |
| update_recurring_transaction | write:recurring |
| delete_recurring_transaction | write:recurring |
Rate Limits
To ensure fair usage, the MCP server enforces per-token rate limits:
| Endpoint | Limit |
|---|---|
| POST /api/v1/mcp (JSON-RPC) | 120 requests/minute per token |
| GET /api/v1/mcp/sse (connect) | 30 connects/minute per token |
| POST /api/v1/mcp-tokens (create) | 10/hour per user |