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Lovie Company Formation

by co.lovie
OverviewDiscussionsAdmin

Update Card Spend Limit

card_update_card_spend_limit
Idempotent

Replace a card's spend limit at the issuer. amount_cents is in CENTS, not dollars — a $500 limit is 50000 — and interval chooses the window the limit resets over. The new limit replaces the old one outright, so this raises spending authority as readily as it lowers it: send the exact amount the user asked for and never round up. Use SPEND_INTERVAL_MONTHLY, SPEND_INTERVAL_DAILY, or SPEND_INTERVAL_TRANSACTION; SPEND_INTERVAL_YEARLY is not supported by the default issuer and is rejected, so convert a yearly figure to a monthly amount and say so.

Input Schema

NameRequiredDescriptionDefault
cardIdYesUUID value wrapper.
intervalNo
amountCentsNo

Output Schema

NameRequiredDescriptionDefault
cardNo

Schema Changelog

Changes observed during successful MCP inspections.

  1. Changed1 schema field changed
    • changedOutput schema / properties / card / anyOf
      Previous value: -[
-  {
-    "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"
-  }
-]New value: +[
+  {
+    "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"
+  }
+]
  2. Changed1 schema field changed
    • changedOutput schema / properties / card / anyOf
      Previous value: -[
-  {
-    "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"
-  }
-]New value: +[
+  {
+    "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"
+  }
+]
  3. Changed5 schema fields changed
    • changedInput schema / properties / interval / enum
      Previous value: -[
-  "SPEND_INTERVAL_UNSPECIFIED",
-  "SPEND_INTERVAL_DAILY",
-  "SPEND_INTERVAL_MONTHLY",
-  "SPEND_INTERVAL_YEARLY",
-  "SPEND_INTERVAL_TRANSACTION"
-]New value: +[
+  "SPEND_INTERVAL_DAILY",
+  "SPEND_INTERVAL_MONTHLY",
+  "SPEND_INTERVAL_YEARLY",
+  "SPEND_INTERVAL_TRANSACTION"
+]
    • addedOutput schema / properties / card / anyOf
      Added value: +[
+  {
+    "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"
+  }
+]
    • removedOutput schema / properties / card / properties
      Removed value: -{
-  "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"
-  }
-}
    • removedOutput schema / properties / card / required
      Removed value: -[
-  "id",
-  "companyId"
-]
    • removedOutput schema / properties / card / type
      Removed value: -"object"
  4. Added

TDQS

A4.1/5.0
Behavior4/5

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

Annotations already declare idempotentHint=true, destructiveHint=false, and openWorldHint=true; the description adds the behavior that matters most and that annotations cannot express: the new limit replaces the old outright, so the call can raise authority as easily as lower it. It does not cover who is authorized to set limits or what an issuer rejection looks like beyond the yearly case, keeping it below a 5.

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?

Front-loaded with the action, then units, then interval semantics, then the yearly caveat — a sensible order with no filler sentences. It runs long as a single dense block, and the yearly-conversion instruction could be split out for scanability, which keeps it from a 5.

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

Completeness4/5

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

For a 3-parameter mutation with a nested object and an output schema, the description covers the two ambiguous parameters thoroughly and warns about the destructive-feeling consequence of replacement. Authorization requirements and card-state preconditions are the only notable omissions, and the output schema relieves it of 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 description coverage is only 33% (only cardId's nested wrapper is documented), and the description compensates well for amountCents ('in CENTS, not dollars — a $500 limit is 50000') and interval (which enum values are valid, which is rejected). The required cardId parameter and the return/response shape get no mention in the description, so the coverage gap is only partly closed.

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?

States a specific verb and resource with scope: "Replace a card's spend limit at the issuer." The word "Replace" plus "at the issuer" distinguishes it from sibling read tools like card_get_card_spend and from adjacent card tools (freeze/unfreeze), so an agent can identify it without opening the schema.

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 operating guidance: send the exact amount the user requested, never round up, and convert yearly figures to monthly because SPEND_INTERVAL_YEARLY is rejected by the default issuer. It does not name a sibling alternative or a precondition (e.g., must the card be unfrozen/active first), so it stops just short of explicit when/when-not routing.

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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