FINLY Balance Report Analysis

Analyze balance report | ניתוח דוח יתרות

analyze_balance_report

Analyze a PDF, JPEG or PNG balance report. Include the pre-issued operation for encrypted result recovery and safe same-payload replay for up to 15 minutes from issuance; restarting the service ends recovery. Omit operation only for legacy immediate-only delivery. Raw reports are not persisted. Returns structured facts and readable Hebrew text/HTML. External OCR sends personal/financial mortgage data to Google Document AI outside Israel only with an agent attestation that the existing task permits this transfer, or legacy separate approval. The supplier notice hash is not evidence a human saw it. Local-only is the default. A terminal failure never restarts the same operation.

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": {
      "content_base64": "<content_base64>",
      "security_challenge": "<security_challenge>",
      "security_proof": "<security_proof>"
    },
    "name": "analyze_balance_report"
  }
}

Input Schema

Name	Required	Description
`operation`	No	Opt into encrypted result recovery for this pre-issued operation. Omit only for legacy immediate-only delivery.
`external_ocr`	No	Optional external OCR selection. Existing-task authority is an agent attestation covering mortgage data sent to Google Document AI outside Israel; its policy hash binds the supplier notice, not proof of human viewing. Legacy separate approval remains accepted. Omission means local-only processing.
`authorization`	No	Deprecated compatibility field; omit it. FINLY does not use or record it as consent evidence.
`content_base64`	Yes
`security_proof`	Yes
`security_challenge`	Yes

Output Schema

Name	Required	Description	Default
`tool`	Yes
`as_of`	Yes
`result`	No
`status`	Yes
`receipt`	Yes
`evidence`	No
`no_action`	No
`request_id`	Yes
`assumptions`	Yes
`limitations`	Yes
`next_actions`	Yes
`response_kind`	Yes
`schema_version`	Yes

Schema Changelog

Changes observed during successful MCP inspections.

Changed1 schema field changedOct 31, 2026

changedOutput schema / properties / result / anyOf

Previous value: -[
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-            "type": "string"
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+                "kind",
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+                "sharePct",
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+              "comparison_unavailable"
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+          }
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+          "findings",
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+                "קבועה צמודה",
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+                "משתנה צמודה",
+                "מסלול (סוג לא זוהה)"
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+              "pattern": "^\\d{2}\\/\\d{2}\\/\\d{4}$",
+              "type": "string"
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+            "primeSpreadPct": {
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+          "required": [
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+            "balanceAgorot",
+            "ratePct",
+            "termMonths"
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+        "type": "array"
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+      "variableSharePct": {
+        "maximum": 100,
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+        "type": "number"
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+      "weightedRatePct": {
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+          {
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+        ]
+      }
+    },
+    "required": [
+      "trackCount",
+      "tracks",
+      "totalBalanceAgorot",
+      "weightedRatePct",
+      "missingTerm",
+      "missingRate",
+      "rateCoveragePct",
+      "linkedSharePct",
+      "variableSharePct",
+      "combinedExposurePct",
+      "longestTermMonths",
+      "headlineHe",
+      "nextStepHe",
+      "factors",
+      "resultVersion",
+      "review",
+      "document_error"
+    ],
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+    "properties": {
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+        "minimum": 0,
+        "type": "number"
+      },
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+        "type": "number"
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+      "factors": {
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+          "properties": {
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+              "minLength": 1,
+              "type": "string"
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+        "required": [
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+          "avgIndexAgorot",
+          "discountingAgorot",
+          "operationalAgorot"
+        ],
+        "type": "object"
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+      "forecastRatePct": {
+        "type": "number"
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+      "headlineHe": {
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+        "minLength": 1,
+        "type": "string"
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+      "linkedSharePct": {
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+                  "minimum": 0,
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+                    "fixed",
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+                    "קבועה צמודה",
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+                    "משתנה צמודה",
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+                "source": {
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+                  "properties": {
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+                          "type": "string"
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+                        "boi_average",
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+                    "labelHe": {
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+                      "type": "string"
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+                "balanceAgorot",
+                "kind",
+                "gapPct"
+              ],
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+            "type": "integer"
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+              {
+                "type": "number"
+              },
+              {
+                "type": "null"
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+            ]
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+        },
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+          "comparedSharePct",
+          "uncomparedFixedCount",
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+        "minimum": 0,
+        "type": "number"
+      },
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+                "משתנה צמודה",
+                "מסלול (סוג לא זוהה)"
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+            "ratePct",
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+        "type": "array"
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+        "type": "number"
+      },
+      "weightedRatePct": {
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+            "type": "null"
+          }
+        ]
+      }
+    },
+    "required": [
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+      "totalBalanceAgorot",
+      "weightedRatePct",
+      "missingTerm",
+      "missingRate",
+      "rateCoveragePct",
+      "linkedSharePct",
+      "variableSharePct",
+      "combinedExposurePct",
+      "longestTermMonths",
+      "headlineHe",
+      "nextStepHe",
+      "factors",
+      "attentionScore",
+      "attentionLabel",
+      "document_error"
+    ],
+    "type": "object"
+  }
+]

Changed1 schema field changedSep 11, 2026

changedOutput schema / properties / result / anyOf

Previous value: -[
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-    "properties": {
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-        "minimum": 0,
-        "type": "number"
-      },
-      "comparisonRatePct": {
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-      },
-      "document": {
-        "additionalProperties": false,
-        "properties": {
-          "format": {
-            "const": "finly-report-v1",
-            "type": "string"
-          },
-          "html": {
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-            "minLength": 1,
-            "type": "string"
-          },
-          "locale": {
-            "const": "he",
-            "type": "string"
-          },
-          "text": {
-            "maxLength": 512000,
-            "minLength": 1,
-            "type": "string"
-          }
-        },
-        "required": [
-          "format",
-          "locale",
-          "text",
-          "html"
-        ],
-        "type": "object"
-      },
-      "factors": {
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-          "properties": {
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-              "maxLength": 4000,
-              "minLength": 1,
-              "type": "string"
-            },
-            "kind": {
-              "enum": [
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-                "positive",
-                "missing",
-                "fact"
-              ],
-              "type": "string"
-            },
-            "title": {
-              "maxLength": 300,
-              "minLength": 1,
-              "type": "string"
-            }
-          },
-          "required": [
-            "kind",
-            "title",
-            "detail"
-          ],
-          "type": "object"
-        },
-        "type": "array"
-      },
-      "feeBreakdown": {
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-        "properties": {
-          "avgIndexAgorot": {
-            "maximum": 9007199254740991,
-            "minimum": 0,
-            "type": "integer"
-          },
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-      "factors",
-      "attentionScore",
-      "attentionLabel",
-      "document_error"
-    ],
-    "type": "object"
-  }
-]New value: +[
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+    "additionalProperties": false,
+    "properties": {
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+        "maximum": 100,
+        "minimum": 0,
+        "type": "number"
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+      "comparisonRatePct": {
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+            "type": "string"
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+            "type": "string"
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+          }
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+          "nextStepHe",
+          "findings",
+          "coverage"
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+                },
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+      "totalBalanceAgorot",
+      "weightedRatePct",
+      "missingTerm",
+      "missingRate",
+      "rateCoveragePct",
+      "linkedSharePct",
+      "variableSharePct",
+      "combinedExposurePct",
+      "longestTermMonths",
+      "headlineHe",
+      "nextStepHe",
+      "factors",
+      "attentionScore",
+      "attentionLabel",
+      "document_error"
+    ],
+    "type": "object"
+  }
+]

First observedSep 10, 2026

TDQS

A3.8/5.0

Behavior5/5

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

Goes far beyond the annotations: 15-minute replay window, recovery lost on service restart, raw reports not persisted, terminal failures never restart the same operation, external OCR sends mortgage data to Google Document AI outside Israel, and the warning that the supplier notice hash is not proof a human saw it. These are exactly the mutation/privacy consequences an agent needs and none are derivable from readOnlyHint/openWorldHint/idempotentHint alone.

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

Conciseness3/5

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

Front-loaded with the purpose, and most clauses (replay window, no persistence, attestation) carry real operational weight. But it is a dense run-on packing policy caveats mid-sentence, and it repeats the operation/external-OCR semantics that already appear verbatim in the schema descriptions, costing tokens without adding new information.

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 high-stakes tool with an output schema (so return values need not be re-explained) the description covers privacy, replay, failure and consent semantics thoroughly. Remaining gaps are the unexplained security_challenge/security_proof parameters, the 25MB content cap, and any pointer to the sibling tools needed to obtain the operation or fetch the result.

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?

At 50% schema coverage, the description does compensate for the undocumented nested objects: it explains operation (pre-issued, 15-min replay), external_ocr (attestation vs. legacy approval, local-only default) and confirms authorization is deprecated. But the three required parameters content_base64, security_challenge and security_proof are never explained in either the schema or the description, leaving the mandatory invocation path opaque.

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

Purpose4/5

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

Opens with a specific verb+resource and accepted input formats ('Analyze a PDF, JPEG or PNG balance report'), so the agent knows exactly what the tool consumes and does. It does not name the sibling that retrieves the result (get_report_analysis_result) or the one that pre-issues the operation, so differentiation from siblings is left implicit.

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

Usage Guidelines3/5

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

'Include the pre-issued operation... Omit operation only for legacy immediate-only delivery' and 'Local-only is the default' give real conditional guidance. However, the description never names get_report_analysis_requirements as the source of the pre-issued operation/token, and it never routes the agent to get_report_analysis_result afterward, so the workflow is implied rather than stated.

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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