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Bradescard MCP

by io.github.mcp-dir

openfinance_list_accounts

Read-onlyIdempotent

Returns accounts for a bank connection: BANK (checking/savings) and CREDIT (credit card) with balance, number, type, subtype, bankData, and creditData. Also returns bank (the brand/connector name like 'Nubank Empresas' — same shown in the dashboard UI) and connector_id. Note: each account's name is the legal entity that issues the account (e.g. 'Nu Pagamentos S.A. - Instituição de Pagamento'), which is not the same as the brand — when referring to the bank in user-facing text, use bank. OMIT item to list accounts across ALL linked banks at once — the response aggregates every connection's accounts into results, each row tagged with its own bank/connector_id/item_id (use this when the user asks for 'my accounts/cards' without naming a bank). Pass item to target a single bank (response carries bank/connector_id/item_id at the root). CREDIT (credit card) balance: its meaning is CONNECTOR-DEPENDENT — some banks report the current open-bill partial, others the full revolving/installment debt — so do NOT treat balance as 'this month's bill'. The open billing cycle is defined by creditData.balanceCloseDate (when it closes) / balanceDueDate (when it's due). For a standardized open-bill amount and total debt that mean the same across connectors, use openfinance_list_credit_card_bills (open_bill + total_pending_debt, derived from PENDING transactions); closed bills come from that same tool's results. A CREDIT row may carry creditData.usedAmount (how much of THIS card's limit the bank reports as consumed) and a balance_notice. balance_notice means balance came back 0,00 while the bank's own payload indicates an outstanding amount — some issuers never fill the card's consolidated balance field. When it is present, do NOT tell the user the card has nothing to pay: read the amount from openfinance_list_credit_card_bills instead. bankData.closingBalance and automaticallyInvestedBalance are provider-reported extras that can LAG right after a connection is first created: the bank may publish the connection as UPDATED before those derived fields converge, so they can briefly carry a stale/phantom value that a force sync (openfinance_force_sync) reconciles. The account's own balance is authoritative — treat those two as hints until they agree with it. May include a provider_incident block when the Open Finance provider has an OPEN incident affecting a bank in this response: balances and credit limits may be unreliable (incomplete or wrong, e.g. a credit limit near 1,00) even with the connection UPDATED, until the provider recovers. Do not present those values as real. May include an identity_notice when the SAME account (same number) arrives via two connections stamped with DIFFERENT owner/taxNumber: in Open Finance those fields reflect each connection's CONSENT HOLDER (e.g. a joint account consented by both holders), so dedupe by account number before summing balances and do not attribute ownership by owner/taxNumber for those accounts.

Bulk support: accepts item_ids for batched execution.

Input Schema

TableJSON Schema
NameRequiredDescriptionDefault
itemNo
typeNo
item_idNo
item_idsNo

Schema Changelog

Changes observed during successful MCP inspections. Dates show when Glama detected each change.

  1. Added
  2. Removed
  3. Added
  4. Removed
  5. Added
  6. Removed
  7. Added
  8. Removed
  9. Added
  10. Removed
  11. Changed2 schema fields changed
    • addedInput schema / properties / item_id
      Added value: +{
+  "type": "string"
+}
    • addedInput schema / properties / item_ids
      Added value: +{
+  "items": {
+    "type": "string"
+  },
+  "type": "array"
+}
  12. Added
  13. Removed
  14. First observed

TDQS

A4.6/5.0
Behavior5/5

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

Beyond the readOnlyHint/idempotentHint/destructiveHint annotations, the description discloses substantial behavioral nuance: connector-dependent `balance` semantics, the `balance_notice` meaning (0.00 while the issuer payload indicates an outstanding amount), lagging `bankData.closingBalance`/`automaticallyInvestedBalance` after first connection, provider_incident blocks that make balances unreliable, and identity_notice deduplication guidance for joint accounts. This is rich, actionable transparency that annotations alone could not provide.

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?

The prose is dense and information-rich but long, with several clauses chained inside single sentences (e.g. the `bank` explanation and the `balance_notice` sentence). Key guidance is front-loaded at the start, but the wall-of-text format makes it harder for an agent to parse quickly. It earns its place overall, but structural brevity would improve it.

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 read-only listing tool with no output schema, the description covers return fields, aggregation behavior, tricky data quality notices, and cross-tool routing. It does not explicitly describe pagination or envelope details beyond mentioning `results`, and a few parameters (`type` filtering, singular `item_id`) are only implied, so it is not perfectly complete.

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

Parameters4/5

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

Schema description coverage is 0%, so the description must compensate. It explains the two central parameters (`item` versus `item_ids` for bulk) and how omitting `item` changes aggregation semantics. However, `type` is only implicitly covered by the BANK/CREDIT listing in the first sentence, and `item_id` (singular) is not explicitly explained beyond the bulk note. Still, the description adds meaning the bare schema never conveys.

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 opens with a precise verb-resource pair ('Returns accounts for a bank connection') and immediately enumerates the two account types (BANK and CREDIT) plus the returned fields. It distinguishes itself from openfinance_list_credit_card_bills and openfinance_get_accounts_detail by explaining which tool owns standardized bill amounts and closed bills.

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

Usage Guidelines5/5

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

The description gives explicit, decision-ready usage guidance: omit `item` when a user asks for 'my accounts/cards' across all linked banks, pass `item` to target a single bank, and use openfinance_list_credit_card_bills when standard open-bill amounts or total debt are needed instead of connector-dependent `balance` values. It also warns against treating `balance` as 'this month's bill' and explains when a force sync is relevant.

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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TDQS

A4.2/5.0
Disambiguation4/5

Most tools are highly distinct, targeting different resources (accounts, transactions, bills, loans, investments, connections). However, openfinance_list_transactions and openfinance_list_transactions_by_item both return transaction data with different scopes, which could cause misselection. Also openfinance_get_item_status vs openfinance_provider_status are distinct but similar in name.

Naming Consistency5/5

The openfinance_* tools follow a consistent verb_noun pattern (list_accounts, get_credit_card_bill, force_sync). Generic tools (authenticate, connect, marketplace) are also clearly named and consistent within their own domain. No mixed conventions or chaotic naming.

Tool Count4/5

At 25 tools, the server is on the heavier side (borderline of the 16-25 range) but each tool serves a clear purpose in the open finance domain, covering multiple resource types and auxiliary functions like marketplace and status. A slight trim could be made (e.g., merging some list/get pairs), but it's not excessive.

Completeness4/5

The server covers the full read lifecycle for accounts, transactions, bills, loans, and investments, plus connection management (list, disconnect, force sync) and category updates. Minor gaps like lack of direct deletion for financial records are acceptable since those are not typical operations. The generic tools (marketplace, auth, version) round out the toolkit.

Resources