banking_refresh_owner_verificationRe-reads the identity-verification outcome for one beneficial owner on a banking application and records it. Idempotent. Does not start a verification and does not carry any of that person's personal data.
| Name | Required | Description | Default |
|---|---|---|---|
| ownerId | Yes | UUID value wrapper. | |
| applicationId | Yes | UUID value wrapper. |
| Name | Required | Description | Default |
|---|---|---|---|
| owner | No |
Changes observed during successful MCP inspections.
Output schema / properties / owner / anyOfPrevious value: -[
- {
- "properties": {
- "address": {
- "anyOf": [
- {
- "properties": {
- "city": {
- "type": "string"
- },
- "countryCode": {
- "type": "string"
- },
- "line1": {
- "type": "string"
- },
- "line2": {
- "type": "string"
- },
- "postalCode": {
- "type": "string"
- },
- "state": {
- "type": "string"
- }
- },
- "type": "object"
- },
- {
- "type": "null"
- }
- ]
- },
- "addressCorrectable": {
- "type": "boolean"
- },
- "capTableStakeholderId": {
- "anyOf": [
- {
- "description": "UUID value wrapper.",
- "properties": {
- "value": {
- "format": "uuid",
- "type": "string"
- }
- },
- "type": "object"
- },
- {
- "type": "null"
- }
- ]
- },
- "confirmedNoUsTaxId": {
- "type": "boolean"
- },
- "dateOfBirth": {
- "type": "string"
- },
- "dateOfBirthOnFile": {
- "type": "boolean"
- },
- "email": {
- "type": "string"
- },
- "failureReason": {
- "anyOf": [
- {
- "description": "Free-form description (max 5000 chars).",
- "properties": {
- "value": {
- "maxLength": 5000,
- "type": "string"
- }
- },
- "type": "object"
- },
- {
- "type": "null"
- }
- ]
- },
- "formationShareholderId": {
- "anyOf": [
- {
- "description": "UUID value wrapper.",
- "properties": {
- "value": {
- "format": "uuid",
- "type": "string"
- }
- },
- "type": "object"
- },
- {
- "type": "null"
- }
- ]
- },
- "fullName": {
- "anyOf": [
- {
- "description": "Human-readable name (1-255 Unicode chars).",
- "properties": {
- "value": {
- "maxLength": 255,
- "minLength": 1,
- "type": "string"
- }
- },
- "type": "object"
- },
- {
- "type": "null"
- }
- ]
- },
- "id": {
- "anyOf": [
- {
- "description": "UUID value wrapper.",
- "properties": {
- "value": {
- "format": "uuid",
- "type": "string"
- }
- },
- "type": "object"
- },
- {
- "type": "null"
- }
- ]
- },
- "identityDocument": {
- "anyOf": [
- {
- "properties": {
- "countryCode": {
- "type": "string"
- },
- "documentId": {
- "anyOf": [
- {
- "description": "UUID value wrapper.",
- "properties": {
- "value": {
- "format": "uuid",
- "type": "string"
- }
- },
- "type": "object"
- },
- {
- "type": "null"
- }
- ]
- },
- "expirationDate": {
- "type": "string"
- },
- "kind": {
- "enum": [
- "IDENTITY_DOCUMENT_KIND_UNSPECIFIED",
- "IDENTITY_DOCUMENT_KIND_PASSPORT",
- "IDENTITY_DOCUMENT_KIND_DRIVERS_LICENSE",
- "IDENTITY_DOCUMENT_KIND_OTHER"
- ],
- "type": "string"
- }
- },
- "type": "object"
- },
- {
- "type": "null"
- }
- ]
- },
- "identityDocumentOnFile": {
- "type": "boolean"
- },
- "isControlPerson": {
- "type": "boolean"
- },
- "kind": {
- "enum": [
- "OWNER_KIND_UNSPECIFIED",
- "OWNER_KIND_INDIVIDUAL",
- "OWNER_KIND_ENTITY"
- ],
- "type": "string"
- },
- "ownershipPct": {
- "type": "string"
- },
- "phone": {
- "type": "string"
- },
- "residentialAddressOnFile": {
- "type": "boolean"
- },
- "ssnLast4": {
- "type": "string"
- },
- "ssnOnFile": {
- "type": "boolean"
- },
- "title": {
- "type": "string"
- },
- "userId": {
- "anyOf": [
- {
- "description": "UUID value wrapper.",
- "properties": {
- "value": {
- "format": "uuid",
- "type": "string"
- }
- },
- "type": "object"
- },
- {
- "type": "null"
- }
- ]
- },
- "verificationSource": {
- "enum": [
- "OWNER_VERIFICATION_SOURCE_UNSPECIFIED",
- "OWNER_VERIFICATION_SOURCE_PROVIDER",
- "OWNER_VERIFICATION_SOURCE_REUSED_USER_KYC"
- ],
- "type": "string"
- },
- "verificationStatus": {
- "enum": [
- "OWNER_VERIFICATION_UNSPECIFIED",
- "OWNER_VERIFICATION_NOT_STARTED",
- "OWNER_VERIFICATION_LINK_SENT",
- "OWNER_VERIFICATION_IN_PROGRESS",
- "OWNER_VERIFICATION_PASSED",
- "OWNER_VERIFICATION_FAILED",
- "OWNER_VERIFICATION_WAIVED"
- ],
- "type": "string"
- },
- "verifiedAt": {
- "anyOf": [
- {
- "format": "date-time",
- "type": "string"
- },
- {
- "type": "null"
- }
- ]
- }
- },
- "required": [
- "fullName"
- ],
- "type": "object"
- },
- {
- "type": "null"
- }
-]New value: +[
+ {
+ "properties": {
+ "address": {
+ "anyOf": [
+ {
+ "properties": {
+ "city": {
+ "type": "string"
+ },
+ "countryCode": {
+ "type": "string"
+ },
+ "line1": {
+ "type": "string"
+ },
+ "line2": {
+ "type": "string"
+ },
+ "postalCode": {
+ "type": "string"
+ },
+ "state": {
+ "type": "string"
+ }
+ },
+ "type": "object"
+ },
+ {
+ "type": "null"
+ }
+ ]
+ },
+ "addressCorrectable": {
+ "type": "boolean"
+ },
+ "capTableStakeholderId": {
+ "anyOf": [
+ {
+ "description": "UUID value wrapper.",
+ "properties": {
+ "value": {
+ "format": "uuid",
+ "type": "string"
+ }
+ },
+ "type": "object"
+ },
+ {
+ "type": "null"
+ }
+ ]
+ },
+ "confirmedNoUsTaxId": {
+ "type": "boolean"
+ },
+ "dateOfBirth": {
+ "type": "string"
+ },
+ "dateOfBirthOnFile": {
+ "type": "boolean"
+ },
+ "email": {
+ "type": "string"
+ },
+ "failureReason": {
+ "anyOf": [
+ {
+ "description": "Free-form description (max 5000 chars).",
+ "properties": {
+ "value": {
+ "maxLength": 5000,
+ "type": "string"
+ }
+ },
+ "type": "object"
+ },
+ {
+ "type": "null"
+ }
+ ]
+ },
+ "formationShareholderId": {
+ "anyOf": [
+ {
+ "description": "UUID value wrapper.",
+ "properties": {
+ "value": {
+ "format": "uuid",
+ "type": "string"
+ }
+ },
+ "type": "object"
+ },
+ {
+ "type": "null"
+ }
+ ]
+ },
+ "fullName": {
+ "anyOf": [
+ {
+ "description": "Human-readable name (1-255 Unicode chars).",
+ "properties": {
+ "value": {
+ "maxLength": 255,
+ "minLength": 1,
+ "type": "string"
+ }
+ },
+ "type": "object"
+ },
+ {
+ "type": "null"
+ }
+ ]
+ },
+ "id": {
+ "anyOf": [
+ {
+ "description": "UUID value wrapper.",
+ "properties": {
+ "value": {
+ "format": "uuid",
+ "type": "string"
+ }
+ },
+ "type": "object"
+ },
+ {
+ "type": "null"
+ }
+ ]
+ },
+ "identityDocument": {
+ "anyOf": [
+ {
+ "properties": {
+ "countryCode": {
+ "type": "string"
+ },
+ "documentId": {
+ "anyOf": [
+ {
+ "description": "UUID value wrapper.",
+ "properties": {
+ "value": {
+ "format": "uuid",
+ "type": "string"
+ }
+ },
+ "type": "object"
+ },
+ {
+ "type": "null"
+ }
+ ]
+ },
+ "expirationDate": {
+ "type": "string"
+ },
+ "kind": {
+ "enum": [
+ "IDENTITY_DOCUMENT_KIND_UNSPECIFIED",
+ "IDENTITY_DOCUMENT_KIND_PASSPORT",
+ "IDENTITY_DOCUMENT_KIND_DRIVERS_LICENSE"
+ ],
+ "type": "string"
+ },
+ "numberLast4": {
+ "type": "string"
+ },
+ "state": {
+ "type": "string"
+ }
+ },
+ "type": "object"
+ },
+ {
+ "type": "null"
+ }
+ ]
+ },
+ "identityDocumentNumberOnFile": {
+ "type": "boolean"
+ },
+ "identityDocumentOnFile": {
+ "type": "boolean"
+ },
+ "isControlPerson": {
+ "type": "boolean"
+ },
+ "kind": {
+ "enum": [
+ "OWNER_KIND_UNSPECIFIED",
+ "OWNER_KIND_INDIVIDUAL",
+ "OWNER_KIND_ENTITY"
+ ],
+ "type": "string"
+ },
+ "ownershipPct": {
+ "type": "string"
+ },
+ "phone": {
+ "type": "string"
+ },
+ "residentialAddressOnFile": {
+ "type": "boolean"
+ },
+ "ssnLast4": {
+ "type": "string"
+ },
+ "ssnOnFile": {
+ "type": "boolean"
+ },
+ "taxIdentifierKind": {
+ "enum": [
+ "TAX_IDENTIFIER_KIND_UNSPECIFIED",
+ "TAX_IDENTIFIER_KIND_SSN",
+ "TAX_IDENTIFIER_KIND_ITIN"
+ ],
+ "type": "string"
+ },
+ "title": {
+ "type": "string"
+ },
+ "userId": {
+ "anyOf": [
+ {
+ "description": "UUID value wrapper.",
+ "properties": {
+ "value": {
+ "format": "uuid",
+ "type": "string"
+ }
+ },
+ "type": "object"
+ },
+ {
+ "type": "null"
+ }
+ ]
+ },
+ "verificationSource": {
+ "enum": [
+ "OWNER_VERIFICATION_SOURCE_UNSPECIFIED",
+ "OWNER_VERIFICATION_SOURCE_PROVIDER",
+ "OWNER_VERIFICATION_SOURCE_REUSED_USER_KYC"
+ ],
+ "type": "string"
+ },
+ "verificationStatus": {
+ "enum": [
+ "OWNER_VERIFICATION_UNSPECIFIED",
+ "OWNER_VERIFICATION_NOT_STARTED",
+ "OWNER_VERIFICATION_LINK_SENT",
+ "OWNER_VERIFICATION_IN_PROGRESS",
+ "OWNER_VERIFICATION_PASSED",
+ "OWNER_VERIFICATION_FAILED",
+ "OWNER_VERIFICATION_WAIVED"
+ ],
+ "type": "string"
+ },
+ "verifiedAt": {
+ "anyOf": [
+ {
+ "format": "date-time",
+ "type": "string"
+ },
+ {
+ "type": "null"
+ }
+ ]
+ }
+ },
+ "required": [
+ "fullName"
+ ],
+ "type": "object"
+ },
+ {
+ "type": "null"
+ }
+]Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare idempotent, non-destructive and closed-world, so the safety profile is covered. The description nonetheless adds useful scope boundaries beyond the annotations: it does not start a verification and it deliberately carries none of the owner's personal data, which is meaningful privacy context for a compliance-adjacent tool.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.
Is the description appropriately sized, front-loaded, and free of redundancy?
Three short, front-loaded sentences with no filler: the action is stated first, followed by two crisp scope constraints. Every sentence earns its place.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
An output schema exists, so return values need not be explained, and both parameters are covered. The description supplies action and scope boundaries adequately for a two-parameter refresh tool; only the routing to alternatives is thin.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
Schema coverage is 100%, so both UUID parameters are documented in the schema, giving a baseline of 3. The description maps its two objects to their roles ('one beneficial owner' and 'on a banking application'), which is modest added meaning but no format or constraint detail beyond the schema.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.
Does the description clearly state what the tool does and how it differs from similar tools?
The description states a specific verb and resource: it re-reads and records the identity-verification outcome for one beneficial owner on a banking application. It also distinguishes itself from the closely-named sibling banking_refresh_application_provider_status by scoping to a single owner rather than the whole application.
Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.
Does the description explain when to use this tool, when not to, or what alternatives exist?
Guidance is implied rather than explicit: 'Does not start a verification' tells the agent this refreshes an existing outcome, not initiates one. However, it never names when to reach for this versus siblings such as banking_get_banking_application or banking_refresh_application_provider_status, so the choice is left to inference.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
Add one secure layer between your agents and this server.