Inferventis MCP Server

open_banking_transactions

Retrieves bank account balances and transaction history via PSD2 Open Banking (TrueLayer), covering 300+ UK and European banks. Returns the account balance, ISO 4217 currency code, and up to 100 recent transactions — each with date, merchant description, amount, and category. Supports optional date filtering to narrow the transaction window. Use this tool when an agent needs to inspect a user's spending history, verify a payment has cleared, assess account affordability, categorise recent bank transactions, or produce a financial summary from live bank data. Do not use for payment initiation — this tool is strictly read-only. Do not use for Stripe-specific payment records, subscription billing, or failed charge investigation — use stripe_payments instead. Requires a TrueLayer access token; returns structured mock data if no token is configured.

Input Schema

TableJSON Schema

Name	Required	Description
`limit`	No	Maximum number of transactions to return. Integer between 1 and 100. Defaults to 10.
`from_date`	No	Optional start date for filtering transactions. ISO 8601 date format: YYYY-MM-DD. Example: 2026-01-01 to retrieve transactions from 1 January 2026 onwards.
`account_id`	No	TrueLayer account ID to retrieve transactions for. Obtain from a prior account-listing call. Omit to return data for the first connected account.

TDQS

A4.7/5.0

Behavior5/5

Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?

With no annotations, the description fully discloses that the tool is read-only, requires a TrueLayer access token, and returns mock data if no token is configured. It also details the return content, offering strong behavioral transparency.

Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.

Conciseness5/5

Is the description appropriately sized, front-loaded, and free of redundancy?

The description is compact yet informative, with each sentence serving a purpose: action, output, use cases, exclusions, and access token requirement. No wasted words.

Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.

Completeness5/5

Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?

The description covers all necessary context: authentication via token, the read-only nature, the bank coverage, the exact output fields, transaction limits, and mock data fallback. Since no output schema exists, the description fully compensates by explaining return values.

Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.

Parameters3/5

Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?

Schema coverage is 100%, so schema already documents all parameters fully. The description adds minimal extra meaning (e.g., 'up to 100 transactions' aligns with the limit parameter), but does not meaningfully go beyond the schema.

Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.

Purpose5/5

Does the description clearly state what the tool does and how it differs from similar tools?

The description clearly states it retrieves bank balances and transactions via PSD2 Open Banking, covering 300+ banks. It explicitly differentiates from siblings like stripe_payments, making its purpose unambiguous.

Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.

Usage Guidelines5/5

Does the description explain when to use this tool, when not to, or what alternatives exist?

Provides explicit use cases ('Use this tool when...'), negative guidance ('Do not use for payment initiation', 'Do not use for Stripe-specific records'), and names the alternative tool (stripe_payments). This is exemplary usage guidance.

Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.

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TDQS

A3.9/5.0

Disambiguation2/5

Multiple tools have overlapping purposes, particularly the five fiat FX tools (currency_convert, currency_convert_lite, currency_convert_open, currency_fx_lite, currency_rates) and the three crypto tools (crypto_fx_rates, crypto_price, crypto_price_lite). Although descriptions attempt to differentiate them by source or detail level, the boundaries are subtle enough that an agent could easily misselect.

Naming Consistency3/5

Tool names use a mix of noun_noun, noun_verb, and adjective_noun patterns. Some include a 'lite' suffix consistently, but others like 'finnhub_stock_quote' and 'stripe_payment_records' have vendor prefixes, while bank tools lack them. Overall, the naming is readable but lacks a single consistent pattern.

Tool Count3/5

At 20 tools, the server covers a broad scope (finance, news, web, timezone) but includes redundancy (e.g., five FX conversion tools, two financial calculators). The count is not excessive for a general utility server, but it feels slightly bloated due to multiple near-identical variants.

Completeness3/5

The tool set covers many common financial and informational needs, but notable gaps exist: no historical stock data, no support for non-Stripe payment processors, and no ability to initiate payments (read-only). The news sources are limited to BBC and Guardian. Some areas are over-covered while others are missing, resulting in moderate completeness.

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