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Lovie Company Formation

by co.lovie
OverviewDiscussionsAdmin

Create Card

card_create_card

Issues a new virtual card at the card issuer, funded by a specific bank account. account_id is REQUIRED: set it to the id of the account the card should spend from — it must belong to the same company as params.company_id (get_list_accounts lists the company's accounts; the call is rejected if the account belongs to another company or cannot fund cards). Set params.company_id to the company the card belongs to — the caller's membership is verified server-side, so pass a company the user actually belongs to (get_my_companies lists them). Set params.nickname to the name the user gave the card. Set params.spend_limit_cents to the limit in CENTS, not dollars: a $2,000 limit is 200000. params.spend_interval is REQUIRED whenever you send a limit and the call is rejected without it, so always send both — send SPEND_INTERVAL_MONTHLY when the user names an amount but no period, SPEND_INTERVAL_DAILY for a daily cap, or SPEND_INTERVAL_TRANSACTION for a per-charge cap. Do not send SPEND_INTERVAL_YEARLY: the default issuer does not support it and rejects the call — convert to a monthly amount and say so. Omit both fields only when the user wants no limit at all. Returns the created card, including its id, nickname, status, spend limit, expiry, and billing address; report the id back to the user. The cardholder's name is withheld from tool callers. Creating a card moves no money, but it does provision a real instrument at the issuer and no tool can delete it — only freeze it — so create one card per request and never retry a create that already succeeded. The full card number and CVV are never returned by any tool.

Input Schema

NameRequiredDescriptionDefault
paramsYes
accountIdYesUUID value wrapper.

Output Schema

NameRequiredDescriptionDefault
resultNo

Schema Changelog

Changes observed during successful MCP inspections.

  1. Changed2 schema fields changed
    • addedInput schema / properties / params / properties / cardholderPhone
      Added value: +{
+  "maxLength": 16,
+  "pattern": "^(\\+[1-9][0-9]{6,14})?$",
+  "type": "string"
+}
    • changedOutput schema / properties / result / anyOf
      Previous value: -[
-  {
-    "properties": {
-      "async": {
-        "type": "boolean"
-      },
-      "card": {
-        "anyOf": [
-          {
-            "properties": {
-              "accountId": {
-                "anyOf": [
-                  {
-                    "description": "UUID value wrapper.",
-                    "properties": {
-                      "value": {
-                        "format": "uuid",
-                        "type": "string"
-                      }
-                    },
-                    "type": "object"
-                  },
-                  {
-                    "type": "null"
-                  }
-                ]
-              },
-              "address": {
-                "type": "string"
-              },
-              "assignedTo": {
-                "type": "string"
-              },
-              "cardholder": {
-                "type": "string"
-              },
-              "companyId": {
-                "anyOf": [
-                  {
-                    "description": "UUID value wrapper.",
-                    "properties": {
-                      "value": {
-                        "format": "uuid",
-                        "type": "string"
-                      }
-                    },
-                    "type": "object"
-                  },
-                  {
-                    "type": "null"
-                  }
-                ]
-              },
-              "createdAt": {
-                "anyOf": [
-                  {
-                    "format": "date-time",
-                    "type": "string"
-                  },
-                  {
-                    "type": "null"
-                  }
-                ]
-              },
-              "expiry": {
-                "type": "string"
-              },
-              "fullAddress": {
-                "type": "string"
-              },
-              "id": {
-                "anyOf": [
-                  {
-                    "description": "UUID value wrapper.",
-                    "properties": {
-                      "value": {
-                        "format": "uuid",
-                        "type": "string"
-                      }
-                    },
-                    "type": "object"
-                  },
-                  {
-                    "type": "null"
-                  }
-                ]
-              },
-              "last4": {
-                "type": "string"
-              },
-              "network": {
-                "type": "string"
-              },
-              "nickname": {
-                "type": "string"
-              },
-              "provider": {
-                "type": "string"
-              },
-              "spendInterval": {
-                "enum": [
-                  "SPEND_INTERVAL_UNSPECIFIED",
-                  "SPEND_INTERVAL_DAILY",
-                  "SPEND_INTERVAL_MONTHLY",
-                  "SPEND_INTERVAL_YEARLY",
-                  "SPEND_INTERVAL_TRANSACTION"
-                ],
-                "type": "string"
-              },
-              "spendLimitCents": {
-                "type": "string"
-              },
-              "status": {
-                "enum": [
-                  "CARD_STATUS_UNSPECIFIED",
-                  "CARD_STATUS_ACTIVE",
-                  "CARD_STATUS_FROZEN",
-                  "CARD_STATUS_CANCELLED"
-                ],
-                "type": "string"
-              },
-              "terminatedAt": {
-                "anyOf": [
-                  {
-                    "format": "date-time",
-                    "type": "string"
-                  },
-                  {
-                    "type": "null"
-                  }
-                ]
-              },
-              "updatedAt": {
-                "anyOf": [
-                  {
-                    "format": "date-time",
-                    "type": "string"
-                  },
-                  {
-                    "type": "null"
-                  }
-                ]
-              },
-              "userId": {
-                "anyOf": [
-                  {
-                    "description": "UUID value wrapper.",
-                    "properties": {
-                      "value": {
-                        "format": "uuid",
-                        "type": "string"
-                      }
-                    },
-                    "type": "object"
-                  },
-                  {
-                    "type": "null"
-                  }
-                ]
-              },
-              "zip": {
-                "type": "string"
-              }
-            },
-            "required": [
-              "id",
-              "companyId"
-            ],
-            "type": "object"
-          },
-          {
-            "type": "null"
-          }
-        ]
-      },
-      "cardId": {
-        "anyOf": [
-          {
-            "description": "UUID value wrapper.",
-            "properties": {
-              "value": {
-                "format": "uuid",
-                "type": "string"
-              }
-            },
-            "type": "object"
-          },
-          {
-            "type": "null"
-          }
-        ]
-      },
-      "jobId": {
-        "anyOf": [
-          {
-            "description": "UUID value wrapper.",
-            "properties": {
-              "value": {
-                "format": "uuid",
-                "type": "string"
-              }
-            },
-            "type": "object"
-          },
-          {
-            "type": "null"
-          }
-        ]
-      }
-    },
-    "type": "object"
-  },
-  {
-    "type": "null"
-  }
-]New value: +[
+  {
+    "properties": {
+      "async": {
+        "type": "boolean"
+      },
+      "card": {
+        "anyOf": [
+          {
+            "properties": {
+              "accountId": {
+                "anyOf": [
+                  {
+                    "description": "UUID value wrapper.",
+                    "properties": {
+                      "value": {
+                        "format": "uuid",
+                        "type": "string"
+                      }
+                    },
+                    "type": "object"
+                  },
+                  {
+                    "type": "null"
+                  }
+                ]
+              },
+              "address": {
+                "type": "string"
+              },
+              "assignedTo": {
+                "type": "string"
+              },
+              "cardholder": {
+                "type": "string"
+              },
+              "companyId": {
+                "anyOf": [
+                  {
+                    "description": "UUID value wrapper.",
+                    "properties": {
+                      "value": {
+                        "format": "uuid",
+                        "type": "string"
+                      }
+                    },
+                    "type": "object"
+                  },
+                  {
+                    "type": "null"
+                  }
+                ]
+              },
+              "createdAt": {
+                "anyOf": [
+                  {
+                    "format": "date-time",
+                    "type": "string"
+                  },
+                  {
+                    "type": "null"
+                  }
+                ]
+              },
+              "createdBy": {
+                "anyOf": [
+                  {
+                    "description": "UUID value wrapper.",
+                    "properties": {
+                      "value": {
+                        "format": "uuid",
+                        "type": "string"
+                      }
+                    },
+                    "type": "object"
+                  },
+                  {
+                    "type": "null"
+                  }
+                ]
+              },
+              "expiry": {
+                "type": "string"
+              },
+              "fullAddress": {
+                "type": "string"
+              },
+              "id": {
+                "anyOf": [
+                  {
+                    "description": "UUID value wrapper.",
+                    "properties": {
+                      "value": {
+                        "format": "uuid",
+                        "type": "string"
+                      }
+                    },
+                    "type": "object"
+                  },
+                  {
+                    "type": "null"
+                  }
+                ]
+              },
+              "last4": {
+                "type": "string"
+              },
+              "network": {
+                "type": "string"
+              },
+              "nickname": {
+                "type": "string"
+              },
+              "provider": {
+                "type": "string"
+              },
+              "providerHoldAt": {
+                "anyOf": [
+                  {
+                    "format": "date-time",
+                    "type": "string"
+                  },
+                  {
+                    "type": "null"
+                  }
+                ]
+              },
+              "spendInterval": {
+                "enum": [
+                  "SPEND_INTERVAL_UNSPECIFIED",
+                  "SPEND_INTERVAL_DAILY",
+                  "SPEND_INTERVAL_MONTHLY",
+                  "SPEND_INTERVAL_YEARLY",
+                  "SPEND_INTERVAL_TRANSACTION"
+                ],
+                "type": "string"
+              },
+              "spendLimitCents": {
+                "type": "string"
+              },
+              "status": {
+                "enum": [
+                  "CARD_STATUS_UNSPECIFIED",
+                  "CARD_STATUS_ACTIVE",
+                  "CARD_STATUS_FROZEN",
+                  "CARD_STATUS_CANCELLED"
+                ],
+                "type": "string"
+              },
+              "terminatedAt": {
+                "anyOf": [
+                  {
+                    "format": "date-time",
+                    "type": "string"
+                  },
+                  {
+                    "type": "null"
+                  }
+                ]
+              },
+              "updatedAt": {
+                "anyOf": [
+                  {
+                    "format": "date-time",
+                    "type": "string"
+                  },
+                  {
+                    "type": "null"
+                  }
+                ]
+              },
+              "userId": {
+                "anyOf": [
+                  {
+                    "description": "UUID value wrapper.",
+                    "properties": {
+                      "value": {
+                        "format": "uuid",
+                        "type": "string"
+                      }
+                    },
+                    "type": "object"
+                  },
+                  {
+                    "type": "null"
+                  }
+                ]
+              },
+              "zip": {
+                "type": "string"
+              }
+            },
+            "required": [
+              "id",
+              "companyId"
+            ],
+            "type": "object"
+          },
+          {
+            "type": "null"
+          }
+        ]
+      },
+      "cardId": {
+        "anyOf": [
+          {
+            "description": "UUID value wrapper.",
+            "properties": {
+              "value": {
+                "format": "uuid",
+                "type": "string"
+              }
+            },
+            "type": "object"
+          },
+          {
+            "type": "null"
+          }
+        ]
+      },
+      "jobId": {
+        "anyOf": [
+          {
+            "description": "UUID value wrapper.",
+            "properties": {
+              "value": {
+                "format": "uuid",
+                "type": "string"
+              }
+            },
+            "type": "object"
+          },
+          {
+            "type": "null"
+          }
+        ]
+      }
+    },
+    "type": "object"
+  },
+  {
+    "type": "null"
+  }
+]
  2. Changed1 schema field changed
    • removedInput schema / properties / params / properties / cardholder
      Removed value: -{
-  "maxLength": 255,
-  "type": "string"
-}
  3. Changed3 schema fields changed
    • addedInput schema / properties / accountId
      Added value: +{
+  "description": "UUID value wrapper.",
+  "properties": {
+    "value": {
+      "format": "uuid",
+      "type": "string"
+    }
+  },
+  "type": "object"
+}
    • changedInput schema / required
      Previous value: -[
-  "params"
-]New value: +[
+  "params",
+  "accountId"
+]
    • changedOutput schema / properties / result / anyOf
      Previous value: -[
-  {
-    "properties": {
-      "async": {
-        "type": "boolean"
-      },
-      "card": {
-        "anyOf": [
-          {
-            "properties": {
-              "accountId": {
-                "anyOf": [
-                  {
-                    "description": "UUID value wrapper.",
-                    "properties": {
-                      "value": {
-                        "format": "uuid",
-                        "type": "string"
-                      }
-                    },
-                    "type": "object"
-                  },
-                  {
-                    "type": "null"
-                  }
-                ]
-              },
-              "address": {
-                "type": "string"
-              },
-              "assignedTo": {
-                "type": "string"
-              },
-              "cardholder": {
-                "type": "string"
-              },
-              "companyId": {
-                "anyOf": [
-                  {
-                    "description": "UUID value wrapper.",
-                    "properties": {
-                      "value": {
-                        "format": "uuid",
-                        "type": "string"
-                      }
-                    },
-                    "type": "object"
-                  },
-                  {
-                    "type": "null"
-                  }
-                ]
-              },
-              "createdAt": {
-                "anyOf": [
-                  {
-                    "format": "date-time",
-                    "type": "string"
-                  },
-                  {
-                    "type": "null"
-                  }
-                ]
-              },
-              "currentSpendCents": {
-                "type": "string"
-              },
-              "expiry": {
-                "type": "string"
-              },
-              "fullAddress": {
-                "type": "string"
-              },
-              "id": {
-                "anyOf": [
-                  {
-                    "description": "UUID value wrapper.",
-                    "properties": {
-                      "value": {
-                        "format": "uuid",
-                        "type": "string"
-                      }
-                    },
-                    "type": "object"
-                  },
-                  {
-                    "type": "null"
-                  }
-                ]
-              },
-              "last4": {
-                "type": "string"
-              },
-              "network": {
-                "type": "string"
-              },
-              "nickname": {
-                "type": "string"
-              },
-              "provider": {
-                "type": "string"
-              },
-              "spendInterval": {
-                "enum": [
-                  "SPEND_INTERVAL_UNSPECIFIED",
-                  "SPEND_INTERVAL_DAILY",
-                  "SPEND_INTERVAL_MONTHLY",
-                  "SPEND_INTERVAL_YEARLY",
-                  "SPEND_INTERVAL_TRANSACTION"
-                ],
-                "type": "string"
-              },
-              "spendLimitCents": {
-                "type": "string"
-              },
-              "status": {
-                "enum": [
-                  "CARD_STATUS_UNSPECIFIED",
-                  "CARD_STATUS_ACTIVE",
-                  "CARD_STATUS_FROZEN",
-                  "CARD_STATUS_CANCELLED"
-                ],
-                "type": "string"
-              },
-              "terminatedAt": {
-                "anyOf": [
-                  {
-                    "format": "date-time",
-                    "type": "string"
-                  },
-                  {
-                    "type": "null"
-                  }
-                ]
-              },
-              "updatedAt": {
-                "anyOf": [
-                  {
-                    "format": "date-time",
-                    "type": "string"
-                  },
-                  {
-                    "type": "null"
-                  }
-                ]
-              },
-              "userId": {
-                "anyOf": [
-                  {
-                    "description": "UUID value wrapper.",
-                    "properties": {
-                      "value": {
-                        "format": "uuid",
-                        "type": "string"
-                      }
-                    },
-                    "type": "object"
-                  },
-                  {
-                    "type": "null"
-                  }
-                ]
-              },
-              "zip": {
-                "type": "string"
-              }
-            },
-            "required": [
-              "id",
-              "companyId"
-            ],
-            "type": "object"
-          },
-          {
-            "type": "null"
-          }
-        ]
-      },
-      "cardId": {
-        "anyOf": [
-          {
-            "description": "UUID value wrapper.",
-            "properties": {
-              "value": {
-                "format": "uuid",
-                "type": "string"
-              }
-            },
-            "type": "object"
-          },
-          {
-            "type": "null"
-          }
-        ]
-      },
-      "jobId": {
-        "anyOf": [
-          {
-            "description": "UUID value wrapper.",
-            "properties": {
-              "value": {
-                "format": "uuid",
-                "type": "string"
-              }
-            },
-            "type": "object"
-          },
-          {
-            "type": "null"
-          }
-        ]
-      }
-    },
-    "type": "object"
-  },
-  {
-    "type": "null"
-  }
-]New value: +[
+  {
+    "properties": {
+      "async": {
+        "type": "boolean"
+      },
+      "card": {
+        "anyOf": [
+          {
+            "properties": {
+              "accountId": {
+                "anyOf": [
+                  {
+                    "description": "UUID value wrapper.",
+                    "properties": {
+                      "value": {
+                        "format": "uuid",
+                        "type": "string"
+                      }
+                    },
+                    "type": "object"
+                  },
+                  {
+                    "type": "null"
+                  }
+                ]
+              },
+              "address": {
+                "type": "string"
+              },
+              "assignedTo": {
+                "type": "string"
+              },
+              "cardholder": {
+                "type": "string"
+              },
+              "companyId": {
+                "anyOf": [
+                  {
+                    "description": "UUID value wrapper.",
+                    "properties": {
+                      "value": {
+                        "format": "uuid",
+                        "type": "string"
+                      }
+                    },
+                    "type": "object"
+                  },
+                  {
+                    "type": "null"
+                  }
+                ]
+              },
+              "createdAt": {
+                "anyOf": [
+                  {
+                    "format": "date-time",
+                    "type": "string"
+                  },
+                  {
+                    "type": "null"
+                  }
+                ]
+              },
+              "expiry": {
+                "type": "string"
+              },
+              "fullAddress": {
+                "type": "string"
+              },
+              "id": {
+                "anyOf": [
+                  {
+                    "description": "UUID value wrapper.",
+                    "properties": {
+                      "value": {
+                        "format": "uuid",
+                        "type": "string"
+                      }
+                    },
+                    "type": "object"
+                  },
+                  {
+                    "type": "null"
+                  }
+                ]
+              },
+              "last4": {
+                "type": "string"
+              },
+              "network": {
+                "type": "string"
+              },
+              "nickname": {
+                "type": "string"
+              },
+              "provider": {
+                "type": "string"
+              },
+              "spendInterval": {
+                "enum": [
+                  "SPEND_INTERVAL_UNSPECIFIED",
+                  "SPEND_INTERVAL_DAILY",
+                  "SPEND_INTERVAL_MONTHLY",
+                  "SPEND_INTERVAL_YEARLY",
+                  "SPEND_INTERVAL_TRANSACTION"
+                ],
+                "type": "string"
+              },
+              "spendLimitCents": {
+                "type": "string"
+              },
+              "status": {
+                "enum": [
+                  "CARD_STATUS_UNSPECIFIED",
+                  "CARD_STATUS_ACTIVE",
+                  "CARD_STATUS_FROZEN",
+                  "CARD_STATUS_CANCELLED"
+                ],
+                "type": "string"
+              },
+              "terminatedAt": {
+                "anyOf": [
+                  {
+                    "format": "date-time",
+                    "type": "string"
+                  },
+                  {
+                    "type": "null"
+                  }
+                ]
+              },
+              "updatedAt": {
+                "anyOf": [
+                  {
+                    "format": "date-time",
+                    "type": "string"
+                  },
+                  {
+                    "type": "null"
+                  }
+                ]
+              },
+              "userId": {
+                "anyOf": [
+                  {
+                    "description": "UUID value wrapper.",
+                    "properties": {
+                      "value": {
+                        "format": "uuid",
+                        "type": "string"
+                      }
+                    },
+                    "type": "object"
+                  },
+                  {
+                    "type": "null"
+                  }
+                ]
+              },
+              "zip": {
+                "type": "string"
+              }
+            },
+            "required": [
+              "id",
+              "companyId"
+            ],
+            "type": "object"
+          },
+          {
+            "type": "null"
+          }
+        ]
+      },
+      "cardId": {
+        "anyOf": [
+          {
+            "description": "UUID value wrapper.",
+            "properties": {
+              "value": {
+                "format": "uuid",
+                "type": "string"
+              }
+            },
+            "type": "object"
+          },
+          {
+            "type": "null"
+          }
+        ]
+      },
+      "jobId": {
+        "anyOf": [
+          {
+            "description": "UUID value wrapper.",
+            "properties": {
+              "value": {
+                "format": "uuid",
+                "type": "string"
+              }
+            },
+            "type": "object"
+          },
+          {
+            "type": "null"
+          }
+        ]
+      }
+    },
+    "type": "object"
+  },
+  {
+    "type": "null"
+  }
+]
  4. Changed3 schema fields changed
    • addedOutput schema / properties / result / anyOf
      Added value: +[
+  {
+    "properties": {
+      "async": {
+        "type": "boolean"
+      },
+      "card": {
+        "anyOf": [
+          {
+            "properties": {
+              "accountId": {
+                "anyOf": [
+                  {
+                    "description": "UUID value wrapper.",
+                    "properties": {
+                      "value": {
+                        "format": "uuid",
+                        "type": "string"
+                      }
+                    },
+                    "type": "object"
+                  },
+                  {
+                    "type": "null"
+                  }
+                ]
+              },
+              "address": {
+                "type": "string"
+              },
+              "assignedTo": {
+                "type": "string"
+              },
+              "cardholder": {
+                "type": "string"
+              },
+              "companyId": {
+                "anyOf": [
+                  {
+                    "description": "UUID value wrapper.",
+                    "properties": {
+                      "value": {
+                        "format": "uuid",
+                        "type": "string"
+                      }
+                    },
+                    "type": "object"
+                  },
+                  {
+                    "type": "null"
+                  }
+                ]
+              },
+              "createdAt": {
+                "anyOf": [
+                  {
+                    "format": "date-time",
+                    "type": "string"
+                  },
+                  {
+                    "type": "null"
+                  }
+                ]
+              },
+              "currentSpendCents": {
+                "type": "string"
+              },
+              "expiry": {
+                "type": "string"
+              },
+              "fullAddress": {
+                "type": "string"
+              },
+              "id": {
+                "anyOf": [
+                  {
+                    "description": "UUID value wrapper.",
+                    "properties": {
+                      "value": {
+                        "format": "uuid",
+                        "type": "string"
+                      }
+                    },
+                    "type": "object"
+                  },
+                  {
+                    "type": "null"
+                  }
+                ]
+              },
+              "last4": {
+                "type": "string"
+              },
+              "network": {
+                "type": "string"
+              },
+              "nickname": {
+                "type": "string"
+              },
+              "provider": {
+                "type": "string"
+              },
+              "spendInterval": {
+                "enum": [
+                  "SPEND_INTERVAL_UNSPECIFIED",
+                  "SPEND_INTERVAL_DAILY",
+                  "SPEND_INTERVAL_MONTHLY",
+                  "SPEND_INTERVAL_YEARLY",
+                  "SPEND_INTERVAL_TRANSACTION"
+                ],
+                "type": "string"
+              },
+              "spendLimitCents": {
+                "type": "string"
+              },
+              "status": {
+                "enum": [
+                  "CARD_STATUS_UNSPECIFIED",
+                  "CARD_STATUS_ACTIVE",
+                  "CARD_STATUS_FROZEN",
+                  "CARD_STATUS_CANCELLED"
+                ],
+                "type": "string"
+              },
+              "terminatedAt": {
+                "anyOf": [
+                  {
+                    "format": "date-time",
+                    "type": "string"
+                  },
+                  {
+                    "type": "null"
+                  }
+                ]
+              },
+              "updatedAt": {
+                "anyOf": [
+                  {
+                    "format": "date-time",
+                    "type": "string"
+                  },
+                  {
+                    "type": "null"
+                  }
+                ]
+              },
+              "userId": {
+                "anyOf": [
+                  {
+                    "description": "UUID value wrapper.",
+                    "properties": {
+                      "value": {
+                        "format": "uuid",
+                        "type": "string"
+                      }
+                    },
+                    "type": "object"
+                  },
+                  {
+                    "type": "null"
+                  }
+                ]
+              },
+              "zip": {
+                "type": "string"
+              }
+            },
+            "required": [
+              "id",
+              "companyId"
+            ],
+            "type": "object"
+          },
+          {
+            "type": "null"
+          }
+        ]
+      },
+      "cardId": {
+        "anyOf": [
+          {
+            "description": "UUID value wrapper.",
+            "properties": {
+              "value": {
+                "format": "uuid",
+                "type": "string"
+              }
+            },
+            "type": "object"
+          },
+          {
+            "type": "null"
+          }
+        ]
+      },
+      "jobId": {
+        "anyOf": [
+          {
+            "description": "UUID value wrapper.",
+            "properties": {
+              "value": {
+                "format": "uuid",
+                "type": "string"
+              }
+            },
+            "type": "object"
+          },
+          {
+            "type": "null"
+          }
+        ]
+      }
+    },
+    "type": "object"
+  },
+  {
+    "type": "null"
+  }
+]
    • removedOutput schema / properties / result / properties
      Removed value: -{
-  "async": {
-    "type": "boolean"
-  },
-  "card": {
-    "properties": {
-      "accountId": {
-        "description": "UUID value wrapper.",
-        "properties": {
-          "value": {
-            "format": "uuid",
-            "type": "string"
-          }
-        },
-        "type": "object"
-      },
-      "address": {
-        "type": "string"
-      },
-      "assignedTo": {
-        "type": "string"
-      },
-      "cardholder": {
-        "type": "string"
-      },
-      "companyId": {
-        "description": "UUID value wrapper.",
-        "properties": {
-          "value": {
-            "format": "uuid",
-            "type": "string"
-          }
-        },
-        "type": "object"
-      },
-      "createdAt": {
-        "format": "date-time",
-        "type": "string"
-      },
-      "currentSpendCents": {
-        "type": "string"
-      },
-      "expiry": {
-        "type": "string"
-      },
-      "fullAddress": {
-        "type": "string"
-      },
-      "id": {
-        "description": "UUID value wrapper.",
-        "properties": {
-          "value": {
-            "format": "uuid",
-            "type": "string"
-          }
-        },
-        "type": "object"
-      },
-      "last4": {
-        "type": "string"
-      },
-      "network": {
-        "type": "string"
-      },
-      "nickname": {
-        "type": "string"
-      },
-      "provider": {
-        "type": "string"
-      },
-      "spendInterval": {
-        "enum": [
-          "SPEND_INTERVAL_UNSPECIFIED",
-          "SPEND_INTERVAL_DAILY",
-          "SPEND_INTERVAL_MONTHLY",
-          "SPEND_INTERVAL_YEARLY",
-          "SPEND_INTERVAL_TRANSACTION"
-        ],
-        "type": "string"
-      },
-      "spendLimitCents": {
-        "type": "string"
-      },
-      "status": {
-        "enum": [
-          "CARD_STATUS_UNSPECIFIED",
-          "CARD_STATUS_ACTIVE",
-          "CARD_STATUS_FROZEN",
-          "CARD_STATUS_CANCELLED"
-        ],
-        "type": "string"
-      },
-      "terminatedAt": {
-        "format": "date-time",
-        "type": "string"
-      },
-      "updatedAt": {
-        "format": "date-time",
-        "type": "string"
-      },
-      "userId": {
-        "description": "UUID value wrapper.",
-        "properties": {
-          "value": {
-            "format": "uuid",
-            "type": "string"
-          }
-        },
-        "type": "object"
-      },
-      "zip": {
-        "type": "string"
-      }
-    },
-    "required": [
-      "id",
-      "companyId"
-    ],
-    "type": "object"
-  },
-  "cardId": {
-    "description": "UUID value wrapper.",
-    "properties": {
-      "value": {
-        "format": "uuid",
-        "type": "string"
-      }
-    },
-    "type": "object"
-  },
-  "jobId": {
-    "description": "UUID value wrapper.",
-    "properties": {
-      "value": {
-        "format": "uuid",
-        "type": "string"
-      }
-    },
-    "type": "object"
-  }
-}
    • removedOutput schema / properties / result / type
      Removed value: -"object"
  5. Added

TDQS

A4.7/5.0
Behavior5/5

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

Goes far beyond the annotations: creating a card moves no money but provisions a real instrument at the issuer, no tool can delete it (only freeze), retries are dangerous, cardholder name is withheld, and the full card number and CVV are never returned by any tool. These are exactly the consequences an agent needs before an irreversible create.

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

Conciseness4/5

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

Information is front-loaded and every instruction is operational, but the repeated 'Set params.X to...' construction makes it longer than it needs to be and the returns paragraph partly duplicates the output schema. Dense rather than padded, but not maximally tight.

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?

For a nested, irreversible, two-level-schema create tool, nothing an agent needs is missing: prerequisites, cross-field validation, unit conventions, unsupported enum value, retry discipline, and what happens after creation. Return values are covered by the output schema and the description only adds the useful note to report the id back.

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

Parameters5/5

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

Schema coverage is only 50%, and the description compensates fully: account_id must belong to the same company as params.company_id or the call is rejected; company_id membership is verified server-side; spend_limit_cents is in cents with a worked example ($2,000 = 200000); spend_interval is required whenever a limit is sent and YEARLY is rejected by the default issuer. Enum semantics are spelled out where the schema only lists values.

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?

Opens with a specific verb and resource: 'Issues a new virtual card at the card issuer, funded by a specific bank account.' This is unmistakably distinct from siblings like card_freeze_card, card_update_card_spend_limit, or card_get_list_cards, and the funding source is stated up front.

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

Usage Guidelines4/5

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

Gives clear call conditions: one card per request, never retry a create that already succeeded, omit limit fields only when the user wants no limit. It also routes to helper tools (get_list_accounts, get_my_companies) for prerequisite lookups. It stops short of saying when NOT to create a card (e.g., reuse an existing card via card_get_list_cards instead), so it is not a full 5.

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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