finance

Plaid: Sync linked bank

sync_plaid_item

    Trigger an on-demand transaction sync for one Plaid item.

    Same code path as the daily cron — pulls new transactions since
    the last cursor and applies them to the matched accounts.

    Args:
        item_id: The PlaidItem.id to sync

    Returns:
        Sync result counters (added/modified/removed transaction counts).

Tool call template

Replace each placeholder with a value matching the input schema. Only required parameters are included; add optional parameters as needed.

{
  "id": 1,
  "jsonrpc": "2.0",
  "method": "tools/call",
  "params": {
    "arguments": {
      "item_id": "<item_id>"
    },
    "name": "sync_plaid_item"
  }
}

Input Schema

Name	Required	Description	Default
`item_id`	Yes

Schema Changelog

Changes observed during successful MCP inspections.

First observedSep 22, 2026

TDQS

A4.6/5.0

Behavior4/5

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

The description reveals behavior beyond the sparse annotations: it 'pulls new transactions since the last cursor and applies them to the matched accounts' and uses the same code path as the daily cron. This conveys side effects and the nature of the operation without contradicting the annotations.

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 and well-organized: two lead sentences plus minimal Args/Returns sections. Key information is front-loaded and every line contributes meaningfully.

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 one-parameter tool with no output schema, the description covers the trigger, side effects, parameter semantics, and return values. Nothing critical is missing for an agent to invoke it correctly.

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 description coverage is 0%, but the Args section fully resolves the schema's vague 'Item Id' by stating item_id is 'The PlaidItem.id to sync.' The single parameter's meaning is completely specified in the description.

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 states a specific action ('Trigger an on-demand transaction sync') on a specific resource ('one Plaid item'), clearly distinguishing it from read/list/delete siblings like get_plaid_item, list_plaid_items, and unlink_plaid_item. The title reinforces the same operation.

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?

It explicitly frames the tool as the on-demand counterpart to the daily cron, giving clear context for when it should be used. It does not name alternatives or exclusion conditions, but the single-purpose nature and cron comparison make the intended usage clear.

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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