BTGPactual MCP
Server Details
Connect your BTGPactual account to AI via Brazil's Open Finance: balances, statements, cards, invest
- Status
- Healthy
- Last Tested
- Transport
- Streamable HTTP
- URL
- Repository
- mcp-dir/btg-mcp
- GitHub Stars
- 0
- Server Listing
- BTGPactual MCP
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Full call logging
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Tool access control
Enable or disable individual tools per connector, so you decide what your agents can and cannot do.
Managed credentials
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Usage analytics
See which tools your agents call, how often, and when, so you can understand usage patterns and catch anomalies.
Tool Definition Quality
Average 4.5/5 across 25 of 25 tools scored. Lowest: 3.4/5.
Each tool targets a distinct resource or action. The openfinance_ group covers different entities (accounts, transactions, bills, loans, investments, connections, categories) with clear verbs (list, get, force_sync, disconnect, search, update). Generic tools (authenticate, connect, marketplace, report_bug, show_version, toolkit_info) serve unique purposes. The descriptions are detailed, further reducing ambiguity.
Naming follows a consistent snake_case verb_noun pattern. Open finance tools all use the 'openfinance_' prefix with descriptive verbs (list, get, force_sync, disconnect, search, update) followed by the resource. Generic tools are similarly verb-based (authenticate, connect, report_bug, show_version, toolkit_info). No mixed styles or vague names.
With 25 tools, the count is slightly above the ideal 3-15 range but reasonable for the breadth of functionality. The server covers both a full Open Finance data toolkit (accounts, transactions, bills, loans, investments, connections, categories) and a marketplace/utility layer. Each tool has a clear purpose, and the count reflects the complexity of the domain without being excessive.
The tool surface is comprehensive for its domain. Open Finance operations cover all major asset types (accounts, cards, loans, investments) with read and some write capabilities (category updates). Connection lifecycle (disconnect, sync, status, search) and provider health are covered. The marketplace tool adds MCP discovery and execution. No obvious gaps—e.g., the version and feedback tools complete the server's utility.
Available Tools
25 toolsauthenticateAIdempotentInspect
MCP.AI for IDE agents (Cursor, etc.): log in in the browser, copy the access token. Best: add it to this server's config as a header Authorization: Bearer <token> for a permanent, non-expiring connection. Or paste it here for a session-only login: call with { token: "" } after the user pastes, or with no args to get the link.
| Name | Required | Description | Default |
|---|---|---|---|
| token | No |
Tool Definition Quality
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Discloses behavior: with no args returns a link, with token authenticates. Annotations indicate idempotent and non-destructive, which are consistent. Adds context about token handling beyond annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.
Is the description appropriately sized, front-loaded, and free of redundancy?
Single paragraph with efficient, front-loaded information. Every sentence serves a purpose: identity, usage methods, and parameter explanation. No fluff.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
Given no output schema, the description does not specify return values. However, the core usage is clearly covered. For a simple authentication tool with one optional parameter, it is largely complete.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
Schema has 0% description coverage, but the description fully explains the 'token' parameter: optional, used for session login. Also clarifies omitted token triggers link generation. Adds significant meaning beyond the schema.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.
Does the description clearly state what the tool does and how it differs from similar tools?
The description clearly states the tool is for authentication in MCP.AI for IDE agents, distinguishing between permanent and session-based login. It provides specific verb+resource context and is distinct from sibling tools like 'connect'.
Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.
Does the description explain when to use this tool, when not to, or what alternatives exist?
Explicitly describes when to use each method: for permanent connection, add token to config; for session-only, paste as parameter. Also specifies calling with no args to get the link. No ambiguity.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
connectARead-onlyIdempotentInspect
Returns connection status and URLs. When all providers are connected, returns authenticated:true and empty pending[]. When credentials are missing, returns connect_url for the toolkit and per-install URLs.
| Name | Required | Description | Default |
|---|---|---|---|
No parameters | |||
Tool Definition Quality
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare read-only, idempotent, and non-destructive. The description adds value by detailing the return states (authenticated:true with empty pending[] vs. connect URLs), providing context beyond the annotations without contradiction.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.
Is the description appropriately sized, front-loaded, and free of redundancy?
The description is concise with two sentences, front-loading the main purpose. Every sentence adds meaningful information with no wasted words.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
Given no output schema, the description adequately explains return values for two key states. However, it lacks details on other possible states or error handling, leaving slight gaps. Still sufficient for a simple status check.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
The input schema has zero parameters, so the baseline is 4. No parameter information is needed or provided beyond the schema.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.
Does the description clearly state what the tool does and how it differs from similar tools?
The description clearly states 'Returns connection status and URLs' and elaborates on two specific scenarios (all connected vs. credentials missing), making the purpose unambiguous. It effectively distinguishes from sibling tools like 'authenticate' which initiates authentication.
Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.
Does the description explain when to use this tool, when not to, or what alternatives exist?
Usage is implied: the tool is for checking connection status before deciding to authenticate. However, there is no explicit when-to-use or when-not-to-use guidance, nor are alternatives mentioned.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
marketplaceAInspect
The official mcp.ai marketplace — the in-platform catalog of every MCP/tool, AND the way to run them. Covers capability requests like "find an MCP that does X", "consulta um CPF", "is there a tool for Y". Core flow: action=search discovers MCPs by intent → describe returns one MCP's full profile (every tool with its id + params, pricing, auth) so you pick the right tool_id → invoke RUNS that tool. KEY: invoke works even when the MCP is NOT installed — it runs the tool pontualmente (one-off), without adding the MCP to the toolkit and without bloating the tool list. If the MCP needs a credential/login, invoke returns a connect link; if it is paid and the wallet is empty, invoke returns a checkout/top-up link (the user opens it, then you retry). Use install only to make an MCP PERMANENT in the active toolkit (its tools then show up natively in future sessions); prefer invoke for a single/occasional use. list_tools lists what is callable right now. subscribe/cancel handle per-MCP billing; report_bug sends feedback; request_mcp asks us to build a NEW MCP when nothing fits. Search/describe flag installed_in_toolkit vs installed_in_workspace. Writes (install/uninstall/subscribe/cancel and the one-off install behind invoke) require workspace owner/admin. It also carries the mcp.ai PROMPT LIBRARY, which is about ready-made prompt TEXT rather than MCPs: search_prompts finds one, get_prompt returns its full text with {{variables}} filled, and publish_prompt saves a prompt and returns a shareable mcp.ai/p/ link that opens without login.
| Name | Required | Description | Default |
|---|---|---|---|
| limit | No | ||
| query | No | ||
| action | No | search | |
| mcp_id | No | ||
| message | No | ||
| tool_id | No | ||
| arguments | No | {} | |
| immediate | No | ||
| tier_slug | No | ||
| prompt_body | No | ||
| prompt_slug | No | ||
| prompt_tool | No | ||
| prompt_vars | No | {} | |
| conversation | No | [] | |
| prompt_title | No | ||
| request_name | No | ||
| cancel_reason | No | ||
| cancel_comment | No | ||
| prompt_targets | No | ||
| report_context | No | ||
| prompt_category | No | ||
| request_details | No | ||
| prompt_description | No |
Tool Definition Quality
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations only provide booleans (readOnlyHint=false, openWorldHint=true, idempotentHint=false, destructiveHint=false). The description adds crucial non-obvious behavior: invoke runs tools one-off without installing or bloating the tool list, returns connect/checkout links when credentials/payment are needed, writes require owner/admin, and published prompt links open without login. No contradictions with annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.
Is the description appropriately sized, front-loaded, and free of redundancy?
The description is long but front-loaded with the core purpose and flow, and every sentence carries a distinct piece of guidance (one-off invoke, install permanence, permission requirements, prompt library). It lacks visual structure such as bullets or sections, making the dense multi-action behavior harder to scan, but it does not waste words.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
Given the tool's complexity (14 actions, 23 params, no output schema), the description covers most behavioral surfaces: search/describe/invoke flow, one-off vs. permanent install, billing verbs, reporting, requesting new MCPs, prompt library, installed flags, and auth/payment retry behavior. Gaps remain around response formats and exact input combinations for each action, so it is not fully complete.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
With 0% schema description coverage and 23 parameters, the description needed to map action values to their required parameters, but it only mentions action and tool_id in passing. It does not clarify mcp_id, arguments, limit, query, tier_slug, prompt_* fields, cancel_reason, or how these combine with each action. The action-enum behavior is covered, but the rest of the parameter surface remains opaque.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.
Does the description clearly state what the tool does and how it differs from similar tools?
The opening sentence clearly names the resource ('official mcp.ai marketplace') and its dual role: catalog of every MCP/tool and the way to run them. It distinguishes itself from sibling openfinance/authenticate tools by positioning as the in-platform catalog and execution layer, and it enumerates the full action vocabulary.
Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.
Does the description explain when to use this tool, when not to, or what alternatives exist?
The description explicitly maps a core flow (search → describe → invoke), tells when to prefer invoke over install ('prefer invoke for a single/occasional use'), and names alternatives for billing (subscribe/cancel), feedback (report_bug), new-build requests (request_mcp), and prompt-library operations. It also states that writes require workspace owner/admin, giving clear when-to-use vs. when-not context.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
openfinance_disconnect_bankBDestructiveInspect
Revokes the Open Finance consent for a specific bank and deletes the connection data. The bank's data will no longer be available. Returns an add_connection_url to re-connect if needed.
| Name | Required | Description | Default |
|---|---|---|---|
| item | Yes |
Tool Definition Quality
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already mark destructiveHint=true. The description adds that data is deleted and unavailable, and returns a re-connect URL. This is consistent but does not disclose additional behavioral traits like whether the action is reversible or requires specific permissions beyond what annotations imply.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.
Is the description appropriately sized, front-loaded, and free of redundancy?
Three sentences, each with a clear purpose. Front-loaded with the core action, followed by consequences and return value. No superfluous information.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
Given the destructive nature and lack of output schema, the description covers the main effect and return value. However, it omits prerequisites (e.g., existing connection), error conditions, and does not explain the 'item' parameter, leaving room for ambiguity.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
The single parameter 'item' is not described in the schema (0% coverage). The description mentions 'a specific bank' but does not explicitly map 'item' to a bank identifier, leaving the parameter's meaning ambiguous.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.
Does the description clearly state what the tool does and how it differs from similar tools?
The description clearly states the action (revokes consent and deletes connection data) and the specific resource (bank connection). It also mentions the return of an add_connection_url for re-connection, distinguishing this tool from sibling tools like openfinance_list_connections or openfinance_force_sync.
Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.
Does the description explain when to use this tool, when not to, or what alternatives exist?
No explicit guidance on when to use or avoid this tool versus alternatives. The description implies it is for disconnecting a bank but lacks context about prerequisites or when not to use it (e.g., if data is needed later).
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
openfinance_force_syncAInspect
Forces the bank to re-sync one or more connections NOW and WAITS for it to finish (PATCH /items/:id, then polls until the item stops updating, up to ~60s). Use this when a balance or transaction list looks stale: a connection can read UPDATED yet be hours old, and this pulls fresh data WITHOUT disconnecting/reconnecting. Pass items as an array of selectors (item_id, connector_id, connector_name, or the user-set custom_label nickname); OMIT items to sync ALL linked banks. Returns { results, errors }; each result has the final status, executionStatus, lastUpdatedAt (advances when data is refreshed), and synced (true = fresh data is ready). needs_action (e.g. MFA_REINTERACTION / LOGIN_ERROR / WAITING_USER_INPUT) means the user must re-authenticate — those results include a reconnect_url that opens the widget in UPDATE mode for that exact connection (user enters credentials / MFA token, data refreshes in place, no slot consumed, no disconnect needed). timed_out: true means the sync is still running — re-check with openfinance_get_item_status. Set wait: false for fire-and-forget (returns immediately while UPDATING).
| Name | Required | Description | Default |
|---|---|---|---|
| wait | No | ||
| items | No |
Tool Definition Quality
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Details the polling behavior, timeout (~60s), return fields (status, executionStatus, etc.), and special cases like needs_action with reconnect_url. No contradiction with annotations, as readOnlyHint=false and destructiveHint=false align with the described mutation without destruction.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.
Is the description appropriately sized, front-loaded, and free of redundancy?
The description is thorough and well-structured, with the core action front-loaded. However, it is somewhat lengthy; a slightly more concise version could improve readability without losing information.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
Given no output schema, the description thoroughly covers return values, error states (needs_action, timed_out), and how to handle them. It also notes the reconnect_url usage, making it complete for an AI agent.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
Schema has no descriptions (0% coverage), but the description fully explains the 'items' parameter (array of selectors) and 'wait' parameter (fire-and-forget flag), adding crucial meaning beyond the schema structure.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.
Does the description clearly state what the tool does and how it differs from similar tools?
Clearly states the tool forces a bank sync immediately and waits for completion. Differentiates from alternatives by noting it doesn't disconnect/reconnect and mentions using openfinance_get_item_status for timed-out checks.
Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.
Does the description explain when to use this tool, when not to, or what alternatives exist?
Explicitly says when to use (stale balance/transactions) and provides usage options like omitting items to sync all and setting wait:false for fire-and-forget. Also directs to openfinance_get_item_status for rechecking timed-out syncs.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
openfinance_get_account_balanceARead-onlyIdempotentInspect
Returns real-time balance payload per account id (GET /accounts/:id/balance). Pass account_ids as an array (1–50). CREDIT accounts may return Pluggy BALANCE_FETCH_ERROR — those rows include a structured warning instead of throwing. When the financial institution is temporarily unavailable upstream (5xx) or the connector is not Open Finance, the row DEGRADES to the last-synced balance with realtime: false, updatedAt and a warning instead of an error. Response shape: { results: [...], errors: [{ id, status, message }] }.
| Name | Required | Description | Default |
|---|---|---|---|
| account_ids | Yes |
Tool Definition Quality
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
The description goes well beyond the annotations (readOnlyHint, idempotentHint, destructiveHint) by detailing specific behaviors: CREDIT accounts may return BALANCE_FETCH_ERROR with structured warnings, and upstream unavailability causes degradation to last-synced balance with realtime: false. This adds critical behavioral context.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.
Is the description appropriately sized, front-loaded, and free of redundancy?
The description is a single paragraph with dense, relevant information. It is front-loaded with the main purpose and endpoint, then covers parameter constraints, error handling, and response shape without extraneous text.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
Despite lacking an output schema, the description fully specifies the response shape as '{ results: [...], errors: [...] }' and covers edge cases like degradation and warnings. This is sufficient for an agent to understand and invoke the tool correctly.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
The parameter account_ids is described as an array with a size constraint of 1–50, which is not present in the input schema. Since schema description coverage is 0%, this clarification adds significant value beyond the bare schema type definition.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.
Does the description clearly state what the tool does and how it differs from similar tools?
The description clearly states the tool returns 'real-time balance payload per account id' and specifies the endpoint 'GET /accounts/:id/balance'. This distinguishes it from sibling tools like openfinance_list_accounts and openfinance_get_accounts_detail, which serve different purposes.
Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.
Does the description explain when to use this tool, when not to, or what alternatives exist?
The description provides clear context on when the tool returns degraded results with warnings, such as when the financial institution is unavailable. However, it does not explicitly state when to prefer this tool over alternatives like openfinance_list_accounts for balance data, though the purpose is implied.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
openfinance_get_accounts_detailARead-onlyIdempotentInspect
Returns full account objects including extended creditData (additional cards, limits) per id (GET /accounts/:id). Pass account_ids as an array (1–50). { results, errors } batch shape. May include a provider_incident block when the Open Finance provider has an OPEN incident affecting a connected bank: credit limits and balances may be unreliable (e.g. a limit near 1,00) until the provider recovers. Do not present those values as real.
| Name | Required | Description | Default |
|---|---|---|---|
| account_ids | Yes |
Tool Definition Quality
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Beyond the annotations (readOnlyHint, destructiveHint, idempotentHint), the description adds critical behavioral context: the batch shape with { results, errors }, the potential 'provider_incident' block, and a warning not to present unreliable values. This fully discloses behavior and limitations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.
Is the description appropriately sized, front-loaded, and free of redundancy?
The description is concise with 3 sentences. It front-loads the core purpose and adds important warnings. However, the structure could be improved by separating the batch shape detail from the warning.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
Given the tool's complexity (batch, provider incidents) and absence of output schema, the description covers key aspects: batch shape, error handling, and unreliable data warnings. However, it lacks explicit return format details and does not describe the output structure beyond mentioning blocks.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
Schema description coverage is 0%, and the description adds minimal parameter detail: only that account_ids is an array (1–50). It does not explain the format of IDs or any constraints beyond length. This is insufficient for a parameter that requires specific values.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.
Does the description clearly state what the tool does and how it differs from similar tools?
The description clearly states the tool returns full account objects with extended creditData per ID. This distinguishes it from sibling tools like 'openfinance_list_accounts', which likely returns a summary list. The verb 'Returns' and resource 'account objects' are specific.
Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.
Does the description explain when to use this tool, when not to, or what alternatives exist?
The description explicitly instructs to pass 'account_ids' as an array (1–50). It implies use for detailed account retrieval. However, it does not explicitly mention when not to use this tool or suggest alternatives like 'openfinance_list_accounts' for listing.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
openfinance_get_credit_card_billARead-onlyIdempotentInspect
Returns bill-level detail for one or more credit card bills by id (GET /bills/:id): financeCharges and payments[] (id, paymentDate, amount, valueType, paymentMode). Does NOT return individual transactions — to get itemized credit card transactions (purchases, subscriptions, etc.), use openfinance_list_transactions with the credit card account_id and a from/to date range matching the bill's billing cycle (approximately dueDate − 30d to dueDate); each transaction MAY carry a creditCardMetadata.billId hint toward its bill, but it's sparse/inconsistent on some connectors (e.g. Nubank), so do NOT reconstruct a bill total by summing transactions by billId — the bill's own totalAmount is authoritative. Pass bill_ids as an array — use openfinance_list_credit_card_bills first to discover ids. { results, errors } batch shape. NOTE: Pluggy does NOT return a paid/status field. In Brazilian Open Finance, payments[] reflects payments registered during THIS bill's billing cycle — typically the payment of the PREVIOUS bill (do NOT assume this bill was paid just because payments[] is non-empty). To check paid status, prefer openfinance_list_credit_card_bills which derives payment_status via cross-bill match.
| Name | Required | Description | Default |
|---|---|---|---|
| bill_ids | Yes |
Tool Definition Quality
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Discloses beyond annotations: batch shape, no individual transactions, sparse billId on transactions, no paid status from Pluggy, payments reflecting previous bill. No contradiction with annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.
Is the description appropriately sized, front-loaded, and free of redundancy?
Description is long but every sentence is substantive. Slightly verbose but justified by the complexity of the banking domain. Front-loaded with main purpose.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
Given no output schema, the description thoroughly explains return fields (with subfields) and caveats about payment semantics. Addresses Brazilian Open Finance complexities comprehensively.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
Schema has one parameter with no description (0% coverage). Description adds that bill_ids is an array and advises to discover ids via openfinance_list_credit_card_bills. This adds meaning beyond the schema, though specifics of id format are not given.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.
Does the description clearly state what the tool does and how it differs from similar tools?
The description clearly states it returns bill-level detail for credit card bills by id, listing specific fields (financeCharges, payments). It distinguishes from sibling tools such as openfinance_list_transactions and openfinance_list_credit_card_bills.
Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.
Does the description explain when to use this tool, when not to, or what alternatives exist?
Explicitly states when to use (get bill detail) and when not (use openfinance_list_transactions for transactions, openfinance_list_credit_card_bills for bill list). Provides clear alternative tools and warns against incorrect usage like summing transactions by billId.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
openfinance_get_item_statusARead-onlyIdempotentInspect
Returns the current status of a bank connection (UPDATED, UPDATING, LOGIN_ERROR, etc.), its executionStatus, connector metadata, and a reconnect_url that reopens the widget in UPDATE mode for that connection (re-authenticate / enter MFA token in place, without disconnecting and without consuming a connection slot). Omit item to get the status of ALL linked banks at once (returns { count, items }); pass item for a single bank.
Bulk support: accepts item_ids for batched execution.
| Name | Required | Description | Default |
|---|---|---|---|
| item | No | ||
| item_id | No | ||
| item_ids | No |
Tool Definition Quality
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already indicate readOnlyHint=true and destructiveHint=false. The description adds crucial behavioral context beyond this: the reconnect_url reopens the widget in UPDATE mode without disconnecting or consuming a connection slot, and bulk support is disclosed. This provides transparency about side effects and usage bounds.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.
Is the description appropriately sized, front-loaded, and free of redundancy?
The description is concise but thorough, covering key points in three sentences. It front-loads the main purpose and then provides usage details. A slight reduction in length could improve conciseness, but it remains clear and structured.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
Given the tool's complexity (single vs bulk, reconnect_url), the description covers the necessary aspects: return fields, usage modes, and bulk support. No output schema exists, but the description explains what is returned. Annotations handle safety. It is complete enough for effective agent use.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
The input schema has 0% coverage, with three parameters (item, item_id, item_ids) having no descriptions. The description fully compensates by explaining that omitting `item` returns all banks, passing `item` filters to one, and `item_ids` enables bulk execution. This adds essential semantic meaning.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.
Does the description clearly state what the tool does and how it differs from similar tools?
The description explicitly states it returns the current status of a bank connection with specific fields (UPDATED, UPDATING, LOGIN_ERROR, etc.), executionStatus, connector metadata, and reconnect_url. It distinguishes from sibling tools like openfinance_list_connections by focusing on status and reconnect functionality.
Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.
Does the description explain when to use this tool, when not to, or what alternatives exist?
The description provides clear usage guidance: omit `item` for all banks, pass `item` for single bank, and mentions bulk support with `item_ids`. However, it does not explicitly contrast with alternative tools like openfinance_list_connections or openfinance_get_account_balance, leaving some implicit choice.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
openfinance_get_loan_detailARead-onlyIdempotentInspect
Returns full loan contract detail by id (GET /loans/:loanId): interestRates[] (taxType, ratePercentage, indexer), contractedFinanceCharges[], balloonPayments[], warranties[], installments schedule (installmentsCount, paidInstallments, numberOfInstallmentsRemaining, installmentFrequency), amortizationScheduled, CET, ipocCode and dates. Use after openfinance_list_loans to deep-dive on a specific contract. Pass loan_ids as an array (1-50). { results, errors } batch shape.
| Name | Required | Description | Default |
|---|---|---|---|
| loan_ids | Yes |
Tool Definition Quality
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, destructiveHint. Description adds batch response shape { results, errors } and array size constraint, which are beyond annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.
Is the description appropriately sized, front-loaded, and free of redundancy?
Two sentences efficiently cover purpose, response fields, usage order, and parameter constraint. Front-loaded with key action; no redundancy.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
For a read-only endpoint with no output schema, description adequately explains return fields and batch shape. Lacks error details but sufficient given annotations.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
Schema has 0% description coverage. Description compensates by specifying array size (1-50) and indicating loan_ids are strings, giving meaning beyond type definition.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.
Does the description clearly state what the tool does and how it differs from similar tools?
Describes returning full loan contract detail by ID with explicit field listing. Distinguishes from sibling openfinance_list_loans by stating 'Use after openfinance_list_loans to deep-dive.'
Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.
Does the description explain when to use this tool, when not to, or what alternatives exist?
States to use after openfinance_list_loans for deep-dive, and specifies passing loan_ids as array (1-50). Does not explicitly exclude misuse but provides clear workflow context.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
openfinance_list_accountsARead-onlyIdempotentInspect
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. 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.
| Name | Required | Description | Default |
|---|---|---|---|
| item | No | ||
| type | No | ||
| item_id | No | ||
| item_ids | No |
Tool Definition Quality
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Beyond annotations (readOnlyHint, destructiveHint), the description discloses key behaviors: `name` is not the brand, credit `balance` meaning varies by connector, `provider_incident` indicates unreliable data, and `identity_notice` requires deduplication. No contradictions with annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.
Is the description appropriately sized, front-loaded, and free of redundancy?
The description is dense but each sentence serves a purpose—no fluff. It front-loads the core functionality, then adds caveats and usage notes in a logical order. The length is justified by the tool's complexity.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
Given the tool has no output schema and 4 parameters, the description covers all essential aspects: return fields, parameter usage, behavioral nuances (`bank` vs `name`, credit balance), error conditions (`provider_incident`), and edge cases (`identity_notice`). It also references a sibling tool for related functionality.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
With 0% schema description coverage, the description compensates fully: it explains the effect of omitting `item` (lists all accounts) vs. passing it (single bank), describes `item_ids` for bulk execution, and implies the `type` enum meaning. This adds significant value beyond the bare schema.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.
Does the description clearly state what the tool does and how it differs from similar tools?
The description clearly states the tool returns accounts for bank connections, listing specific fields (balance, number, type, etc.) and distinguishes between BANK and CREDIT types. It also differentiates from sibling tools by directing users to openfinance_list_credit_card_bills for standardized billing info.
Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.
Does the description explain when to use this tool, when not to, or what alternatives exist?
The description provides explicit guidance on when to omit vs. include the `item` parameter, explains the meaning of `balance` for credit cards, warns about connector-dependent behavior, and instructs on handling `provider_incident` and `identity_notice` blocks. It effectively communicates when and when not to use this tool.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
openfinance_list_categoriesARead-onlyIdempotentInspect
Returns Pluggy's transaction category taxonomy (GET /categories), cached for the adapter session. Each entry has id (the categoryId used by openfinance_update_transaction_category), description (English), descriptionTranslated (Portuguese — prefer this for pt-BR users), parentId and parentDescription (the tree parent). Single aggregated response — no batch ids.
| Name | Required | Description | Default |
|---|---|---|---|
No parameters | |||
Tool Definition Quality
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already indicate readOnly, idempotent, non-destructive. Description adds valuable context: caching behavior, single aggregated response (no batch ids), and structure details (id, description, parent). No contradictions.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.
Is the description appropriately sized, front-loaded, and free of redundancy?
Two sentences with no fluff. First sentence states main purpose clearly; second sentence details response structure and caching. Excellent front-loading.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
Given zero parameters and no output schema, the description fully covers what the agent needs: purpose, cached nature, response structure, and link to update tool. No gaps.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
No parameters – baseline 4. Description does not need to add parameter info since schema coverage is 100% and empty. No issues.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.
Does the description clearly state what the tool does and how it differs from similar tools?
Clearly states it returns Pluggy's transaction category taxonomy, cached for the session. Mentions the API endpoint (GET /categories) and links to the update tool. However, does not explicitly differentiate from other list tools in the sibling list.
Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.
Does the description explain when to use this tool, when not to, or what alternatives exist?
Implied usage: use to get categories before updating transaction categories. Notes preference for descriptionTranslated for pt-BR users but lacks explicit when-to-use vs alternatives or when-not-to-use guidance.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
openfinance_list_connectionsARead-onlyIdempotentInspect
Returns the saved bank connections for this install: connector_id, item_id, bank name, a per-connection reconnect_url, and an add_connection_url to link additional banks via the Open Finance widget. The reconnect_url reopens the widget in UPDATE mode for that EXISTING connection (user re-enters credentials / MFA token and the data refreshes in place) — use it when a connection needs re-authentication (MFA connectors, LOGIN_ERROR, stale non-Open-Finance data). It does NOT consume a connection slot and does NOT require disconnecting first.
| Name | Required | Description | Default |
|---|---|---|---|
No parameters | |||
Tool Definition Quality
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Goes beyond annotations (readOnlyHint, destructiveHint, idempotentHint) by detailing the behavior of reconnect_url (does not consume a slot, no need to disconnect) and explaining the add_connection_url. No contradiction with annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.
Is the description appropriately sized, front-loaded, and free of redundancy?
Single paragraph that is informative but slightly lengthy. Could be front-loaded with the primary purpose, but every sentence adds value. No wasted words.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
Completely covers the tool's behavior and return details despite having no output schema. Explains both URLs and their usage, making it self-sufficient for an agent.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
No parameters, so baseline is 4. Description adds meaning about what the tool returns, which is essential given no output schema. It explains the return fields and their context.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.
Does the description clearly state what the tool does and how it differs from similar tools?
The description clearly states 'Returns the saved bank connections for this install' and lists specific fields (connector_id, item_id, etc.), making the purpose unambiguous. It distinguishes from sibling list tools by focusing on connections.
Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.
Does the description explain when to use this tool, when not to, or what alternatives exist?
Provides guidance on when to use the reconnect_url (for re-authentication, MFA connectors, etc.), but does not explicitly differentiate from sibling tools like openfinance_list_accounts or openfinance_get_item_status. Some implicit context is given.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
openfinance_list_credit_card_billsARead-onlyIdempotentInspect
Returns CLOSED credit card bills for a CREDIT-type account: dueDate, totalAmount, minimumPaymentAmount, allowsInstallments, plus payments[] (id, paymentDate, amount, valueType, paymentMode), payments_count, payments_total, finance charges aggregates, and a derived payment_status per bill. IMPORTANT — Brazilian Open Finance semantics: Pluggy does NOT return a paid/status field. The payment goes into the payments[] of the bill whose CYCLE contains the paymentDate (closing ≈ dueDate − 7d): pre-payment before close stays on the bill being paid; payment between close and due, or after due, lands on the NEXT bill. So payments[] on a bill commonly carries the previous bill's payment, NOT the current one's — do NOT assume this bill was paid just because payments[] is non-empty. Use the derived payment_status (PAID | OPEN | PAST_DUE_UNCONFIRMED | PAST_DUE_UNPAID): a bill is PAID when its OWN payments[] (early pre-payment) or ANY newer bill in the payload contains a payment with amount ≈ this bill's totalAmount (±R$0.50). The MOST RECENT bill that's past-due, with no own pre-payment match, cannot be confirmed via cross-bill (the next cycle hasn't closed yet) — it returns PAST_DUE_UNCONFIRMED. NEVER call such a bill 'vencida' categorically; flag that the payment may have been made between close and due and not yet reflected upstream. The full payment_status_legend is returned alongside the results. OPEN BILL & TOTAL DEBT (standardized, derived — OPT-IN): pass include_open_bill:true to ALSO get open_bill (the current not-yet-closed bill, próxima a vencer) and total_pending_debt (saldo devedor total = all pending installments), BOTH derived from PENDING transactions so they mean the same thing across connectors — use these instead of the CREDIT account's balance, whose meaning VARIES by connector (some report the open-bill partial, others the full installment debt). open_bill = { available, method (cycle_dates = real close/due dates | calendar_month_fallback = estimated, confidence:'low'), close_date, due_date, total_amount (net charges − credits), transaction_count }; plus a future_bills[] breakdown per month — LOW-confidence forward projections of PENDING installments (confidence:'low', basis), NOT authoritative bills (for closed months trust the results totalAmount). CONNECTOR ASYMMETRY: where the bank does NOT expose the open bill before closing (only closed bills, no reliable cycle dates), open_bill.available is false with a reason (connector_exposes_no_pending or open_bill_not_published) — that bill isn't retrievable by any endpoint until it closes (upstream limit of the institution's Open Finance feed, not our filter); check the bank app for the current open bill. When per-transaction billId grouping does not reconcile with the bills' totals, a bill_grouping_reliability warning is attached (trust totalAmount, do not sum by billId). Default false (the projection runs an extra accounts+transactions scan, so it's opt-in). The response opens with an account echo block ({ account_id, bank, name, number, type, item_id }) identifying WHICH card/bank these bills belong to. When more than one bank is connected, ALWAYS cross-check the echo against the card you intended to query and name the bank when presenting results — never attribute one bank's bills to another. This tool's results are bill-level summaries — NOT individual transactions, and each bill's totalAmount (from the bank) is the AUTHORITATIVE amount. To see itemized purchases/charges, use openfinance_list_transactions with the CREDIT account_id — but note creditCardMetadata.billId is a per-connector hint that can be sparse/inconsistent (e.g. Nubank), so do NOT reconstruct a bill total by summing transactions by billId. Returns a warning instead of failing if the CREDIT_CARDS product is not enabled.
Bulk support: accepts account_ids for batched execution.
| Name | Required | Description | Default |
|---|---|---|---|
| page | No | ||
| page_size | No | ||
| account_id | Yes | ||
| account_ids | No | ||
| include_open_bill | No |
Tool Definition Quality
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
The description thoroughly explains behavioral traits: payment cycle semantics, derived payment_status logic, connector asymmetry for open bills, bill grouping reliability, and handling of cross-bill payments. It adds substantial context beyond annotations, which only declare readOnlyHint and idempotentHint.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.
Is the description appropriately sized, front-loaded, and free of redundancy?
The description is very verbose and dense, covering many edge cases and details. While informative, it could be more concise and structured (e.g., bullet points). The front-loading is adequate but the overall length hurts readability.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
Given the tool's complexity (Brazilian Open Finance semantics, derived fields, connector asymmetry), the description is remarkably complete. It covers return fields, edge cases, warnings, and cross-tool references. No output schema exists, so the description fills the gap effectively.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
Schema coverage is 0%. The description adds meaning for include_open_bill and implicitly for account_id, but provides no explanation for page or page_size parameters. It compensates partially but not fully for the lack of schema description.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.
Does the description clearly state what the tool does and how it differs from similar tools?
The description explicitly states it returns closed credit card bills for a CREDIT-type account, listing specific fields and derived data. It clearly distinguishes from siblings like openfinance_get_credit_card_bill and openfinance_list_transactions by name and scope.
Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.
Does the description explain when to use this tool, when not to, or what alternatives exist?
Provides clear when-to-use context (closed bills, opt-in for open bill) and explicitly directs users to openfinance_list_transactions for itemized charges. However, it could more explicitly state when not to use this tool versus each sibling tool (e.g., for open bills, use with include_open_bill).
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
openfinance_list_investmentsARead-onlyIdempotentInspect
Returns the investment portfolio for a connection (broker or bank with INVESTMENTS product enabled): FIIs, stocks, ETFs, fixed income (CDB/LCI/LCA/Tesouro), mutual funds, retirement (previdência) and COE. Each row carries balance, amount, amountOriginal, amountProfit, lastMonthRate / annualRate / lastTwelveMonthsRate (when available), dueDate, issuer, ISIN, etc. Returns { total:0, results:[], warning } instead of throwing when INVESTMENTS isn't enabled (403) or other upstream errors. DATA INTEGRITY: when MULTIPLE positions come back as TOTAL_WITHDRAWAL with balance/quantity 0 at once (mass zeroing), the tool cross-checks each position's own transaction history upstream; if the zeroing is contradicted (BUY with no sale/redemption/transfer) the response carries data_integrity_warning and the affected rows are flagged integrity:'suspect_zeroed' — treat those balances as UNAVAILABLE (likely a temporary connector failure publishing zeros), never as real R$0, and do NOT sum them into the portfolio.
Bulk support: accepts item_ids for batched execution.
| Name | Required | Description | Default |
|---|---|---|---|
| item | No | ||
| page | No | ||
| type | No | ||
| item_id | No | ||
| item_ids | No | ||
| page_size | No |
Tool Definition Quality
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations indicate readOnlyHint, idempotentHint, and non-destructive. The description goes beyond by detailing the data integrity cross-check for zeroing positions, explaining the `data_integrity_warning` and `integrity:'suspect_zeroed'` flag, and advising against treating those as real zeros. This is critical behavioral context.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.
Is the description appropriately sized, front-loaded, and free of redundancy?
The description is front-loaded with the primary purpose and return format. It includes necessary details about data integrity, but the length is reasonable given the complexity. Minor redundancy could be trimmed.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
Despite no output schema, the description provides a clear picture of return fields (balance, amount, rates, dueDate, issuer) and error handling. It covers edge cases like upstream errors and mass zeroing, making it sufficiently complete for a read-only, idempotent portfolio list tool.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
With 0% schema description coverage, the description should compensate but only mentions `item_ids` for bulk support. It does not explain parameters like `item`, `page`, `type`, or `page_size` in meaningful detail, leaving the agent to infer their purposes.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.
Does the description clearly state what the tool does and how it differs from similar tools?
The description explicitly states the tool returns investment portfolio for a connection, listing specific asset types (FIIs, stocks, ETFs, etc.). It clearly differentiates from sibling tools like openfinance_list_investment_transactions and openfinance_get_account_balance by focusing on portfolio summary.
Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.
Does the description explain when to use this tool, when not to, or what alternatives exist?
The description advises that the tool returns a graceful response instead of throwing when INVESTMENTS isn't enabled, and mentions bulk support via item_ids. However, it does not explicitly state when to use this tool versus alternatives, though the context makes it clear it's for portfolio overview.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
openfinance_list_investment_transactionsARead-onlyIdempotentInspect
Returns the movement history for a specific investment position: BUY / SELL / TAX / INTEREST / AMORTIZATION / TRANSFER. Each row carries quantity, value, amount, netAmount, agreedRate (treasury), brokerageNumber, and itemized expenses (brokerageFee, incomeTax, settlementFee, custodyFee, stockExchangeFee, etc.). Use after openfinance_list_investments to get the investment_id.
Bulk support: accepts investment_ids for batched execution.
| Name | Required | Description | Default |
|---|---|---|---|
| page | No | ||
| page_size | No | ||
| investment_id | Yes | ||
| investment_ids | No |
Tool Definition Quality
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Discloses return fields and bulk capability beyond annotations. However, does not mention pagination behavior (page, page_size parameters) which is relevant for usage.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.
Is the description appropriately sized, front-loaded, and free of redundancy?
Three sentences, efficient and clear. Front-loaded with main action, then usage, then bulk. Minor room for improvement in structure.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
Covers main functionality, input, and output fields well given no output schema. Lacks pagination details, but overall adequate for a read-only list tool.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
Adds meaning for investment_id (usage context) and investment_ids (bulk), but page and page_size parameters remain unexplained. With 0% schema coverage, the description partially compensates.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.
Does the description clearly state what the tool does and how it differs from similar tools?
The description explicitly states it returns movement history for investment positions, lists transaction types (BUY, SELL, etc.), and distinguishes from siblings by referencing openfinance_list_investments for obtaining investment_id.
Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.
Does the description explain when to use this tool, when not to, or what alternatives exist?
Provides clear context: use after openfinance_list_investments to get investment_id. Also mentions bulk support for batched execution, guiding when to use multiple IDs.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
openfinance_list_loansARead-onlyIdempotentInspect
Lists loan contracts per bank connection (GET /loans). Pass items as an array of connection selectors (item_id uuid, connector_id, or connector_name) — one entry per connection to fetch; multiple connections are queried sequentially with rate-limit spacing. OMIT items to list loans across ALL linked banks. Returns { results, errors } per connection.
| Name | Required | Description | Default |
|---|---|---|---|
| items | No |
Tool Definition Quality
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint and idempotentHint. The description adds sequential query behavior for multiple connections and the return structure ({ results, errors }), providing useful context beyond annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.
Is the description appropriately sized, front-loaded, and free of redundancy?
Three sentences, critical information front-loaded, no unnecessary words. Highly efficient.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
For a simple list tool with one optional param and comprehensive annotations, the description covers essential usage, behavior, and return shape completely.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
Schema coverage is 0%, but description explains the `items` parameter as connection selectors (item_id, connector_id, or connector_name) and the effect of omission. It adds significant meaning, though format details are slightly vague.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.
Does the description clearly state what the tool does and how it differs from similar tools?
The description clearly states 'Lists loan contracts per bank connection' with the GET endpoint, and distinguishes listing for specific connections vs all connections.
Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.
Does the description explain when to use this tool, when not to, or what alternatives exist?
It explains when to use the `items` parameter vs omitting it for all banks, and mentions sequential querying with rate-limit spacing. However, it does not explicitly exclude alternatives or list sibling tools.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
openfinance_list_transactionsARead-onlyIdempotentInspect
Returns transactions for a bank account (BANK or CREDIT type). For CREDIT (credit card) accounts, this is the ONLY way to get itemized transactions (purchases, subscriptions, etc.). Each credit card transaction MAY carry creditCardMetadata.billId pointing at a bill from openfinance_list_credit_card_bills, but this is a per-connector HINT, not authoritative: some connectors (e.g. Nubank) populate it sparsely (many transactions and installments arrive with no billId) or inconsistently (the same payment tagged to more than one bill). Do NOT reconstruct a bill's total by summing transactions by billId — the bill's own totalAmount from openfinance_list_credit_card_bills is the source of truth. CREDIT PENDING vs POSTED varies by connector: where the bank exposes future-dated status:'PENDING' installments, those represent the OPEN bill plus future bills (future months); where it does NOT, only the last closed bill's POSTED items appear until ~closing. Same query, different coverage per bank (upstream). To get a standardized open-bill total / total debt regardless, use openfinance_list_credit_card_bills (open_bill / total_pending_debt). Supports from/to date filters (ISO YYYY-MM-DD) and an optional keyword filter via search_queries (case- and accent-insensitive substring match against description and merchant name, OR semantics across multiple terms). When search_queries is set the tool aggregates up to 5000 transactions within from/to before filtering — narrow from/to if truncated:true is returned. PAGINATION: OMIT both page and page_size (the default) to get ALL transactions in the from/to range in one call — the tool auto-paginates the upstream and returns them under a single logical page (page:1, totalPages:1), up to a 5000 ceiling (truncated:true + warning if exceeded, then narrow from/to). Passing page and/or page_size switches to MANUAL pagination: you get one page (page_size items, default 50, max 500; page defaults to 1) with the REAL total/totalPages, so page_size:5 alone returns the first 5 with totalPages telling you how many pages remain. On upstream errors, returns { total:0, results:[], warning, error } instead of throwing. detail controls how much per-row data you get (default 'compact' = slim, cheap). Use detail:'rich' to enrich each row (when the bank connector provides it) with merchantInfo (estabelecimento: businessName/razão social, cnpj, cnae, category — useful for auto-classifying spending) and extra creditCardMetadata fields: billId (a per-connector HINT toward the transaction's bill — sparse/inconsistent on some connectors like Nubank, so do NOT sum by it to get a bill total; use the bill's totalAmount instead), purchaseDate, payeeMCC, feeType/feeTypeAdditionalInfo, otherCreditsType/otherCreditsAdditionalInfo. Use detail:'raw' to get the FULL untouched Pluggy transaction object (everything Pluggy returns, un-normalized — heaviest, for when you need a field we don't project). 'rich'/'raw' add tokens per row and coverage varies by bank/Open Finance, so keep the default for normal listings. For the card's statement closing/due dates use openfinance_list_accounts (creditData.balanceCloseDate / balanceDueDate). The response opens with an account echo block ({ account_id, bank, name, number, type, item_id }) identifying WHICH account/bank these transactions belong to. When more than one bank is connected, ALWAYS cross-check the echo against the account you intended to query and name the bank when presenting results — never attribute one bank's transactions to another. If total is 0 for a CREDIT account, check the connection health via openfinance_get_item_status — statusDetail.creditCards.isUpdated: false means the credit card sync failed and a force sync (openfinance_force_sync) or reconnection may be needed. May include a provider_incident block when the Open Finance provider has an OPEN incident affecting a connected bank: transactions may come back incomplete or wrong until the provider recovers, and reconnecting does not fix it.
Bulk support: accepts account_ids for batched execution.
| Name | Required | Description | Default |
|---|---|---|---|
| to | No | ||
| from | No | ||
| page | No | ||
| detail | No | ||
| page_size | No | ||
| account_id | Yes | ||
| account_ids | No | ||
| search_queries | No |
Tool Definition Quality
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
The description discloses extensive behavioral traits beyond the readOnlyHint and idempotentHint annotations. It details pagination behavior (auto vs manual, truncation), error handling (returns error object instead of throwing), detail levels, credit card pending/posted variation by connector, provider incident handling, and cross-bank attribution warnings. This exceeds the annotation burden.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.
Is the description appropriately sized, front-loaded, and free of redundancy?
The description is long but well-structured and front-loaded with core purpose. Each sentence adds value, covering parameters, pagination, detail levels, warnings, and bulk support. While thorough for the complexity, some sections could be slightly more concise without losing information, so it misses a top score for brevity.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
Given the tool's complexity (8 parameters, no output schema, many siblings), the description is remarkably complete. It covers purpose, usage guidelines, behavioral nuances, parameter semantics, response structure (account echo, truncated flag, warning), and bulk support. It even addresses edge cases like provider incidents and credit card sync failures, leaving no major gaps.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
With 0% schema description coverage, the description fully compensates by explaining each parameter's format, purpose, and default behavior. It covers from/to (ISO YYYY-MM-DD), page/page_size (auto vs manual pagination), detail enum (compact, rich, raw with trade-offs), search_queries (case-insensitive substring, OR semantics), account_ids for bulk, and warns about truncation. This adds substantial meaning beyond the schema.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.
Does the description clearly state what the tool does and how it differs from similar tools?
The description clearly states the tool returns transactions for bank accounts (BANK or CREDIT type) and distinguishes it as the only way to get itemized credit card transactions. It specifies the resource and verb, and contrasts with sibling tools like openfinance_list_credit_card_bills, achieving a high level of clarity.
Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.
Does the description explain when to use this tool, when not to, or what alternatives exist?
The description explicitly tells when to use this tool (e.g., for CREDIT card transactions) and when not to (e.g., not to sum bills by billId). It provides guidance on alternatives like openfinance_list_credit_card_bills for standardized totals, and advises checking openfinance_get_item_status when total is 0 for credit accounts. It also warns about provider incidents, giving comprehensive usage direction.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
openfinance_list_transactions_by_itemARead-onlyIdempotentInspect
Consolidated cash-flow analysis for a whole bank CONNECTION over a period, in ONE call. Resolves the connection's accounts internally and fans out their transactions, so you do NOT need to call openfinance_list_accounts first nor carry account_id uuids between calls. Pass item (connector_id, connector_name or item_id) to target one bank, or OMIT it to analyze ALL linked banks at once. from/to are ISO dates (YYYY-MM-DD). Default granularity:'monthly' returns a COMPACT summary (no raw rows): total entradas, saídas, saldo_liquido, monthly evolution (por_mes), and top_despesas/top_recebimentos (largest N each), plus a per-account breakdown (by_account). Use this for 'análise anual/mensal', 'fluxo de caixa', 'entradas e saídas', 'maiores gastos/recebimentos'. Set granularity:'raw' to ALSO get every consolidated transaction (heavier — only when itemized rows are needed); combine with detail:'rich' to enrich those rows with merchantInfo (cnpj/cnae/businessName/category) + extra creditCardMetadata (billId, purchaseDate, fees), or detail:'raw' for the full untouched Pluggy object per row, when the connector provides them. type filters BANK or CREDIT accounts. On a connection with many transactions the scan caps at 5000/account and flags truncated:true. May include a provider_incident block when the Open Finance provider has an OPEN incident affecting a connected bank: the totals/rows may be incomplete or wrong until the provider recovers, and reconnecting does not fix it.
Bulk support: accepts item_ids for batched execution.
| Name | Required | Description | Default |
|---|---|---|---|
| to | No | ||
| from | No | ||
| item | No | ||
| type | No | ||
| top_n | No | ||
| detail | No | ||
| item_id | No | ||
| item_ids | No | ||
| granularity | No |
Tool Definition Quality
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, and destructiveHint. Description adds critical behavioral details: truncation at 5000/account with truncated flag, provider_incident block for data quality issues, and behavior when item is omitted (analyze all linked banks). No contradictions.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.
Is the description appropriately sized, front-loaded, and free of redundancy?
The description is comprehensive but somewhat verbose; it repeats some details (e.g., granularity options appear multiple times). However, it is well-front-loaded with the core purpose and remains clear.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
Given 9 parameters and no output schema, the description thoroughly explains return format (compact summary fields, monthly evolution, top expenses/revenues, per-account breakdown), behavior for different granularity/detail combos, and edge cases like provider incidents and truncation. It provides complete context for usage.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
With 0% schema description coverage, the description fully compensates by explaining item (multiple formats), from/to (ISO dates), granularity (monthly vs raw), detail (compact/rich/raw), type (BANK/CREDIT), and top_n implicitly via top_despesas/recebimentos. Bulk support via item_ids is also clarified.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.
Does the description clearly state what the tool does and how it differs from similar tools?
The description clearly states it provides consolidated cash-flow analysis for a whole bank connection over a period in one call, resolving accounts internally. It distinguishes from sibling tools like openfinance_list_accounts and openfinance_list_transactions by eliminating the need for separate calls.
Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.
Does the description explain when to use this tool, when not to, or what alternatives exist?
Explicitly advises when to use this tool and when not, e.g., 'so you do NOT need to call openfinance_list_accounts first'. Provides concrete use cases like 'análise anual/mensal', 'fluxo de caixa', and explains granularity and detail options.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
openfinance_provider_statusARead-onlyIdempotentInspect
Checks the LIVE operational status of the Open Finance provider (its public status page) — this is the PROVIDER's health, separate from your own connection's openfinance_get_item_status. Use it whenever data looks incomplete or stale even though a connection shows UPDATED (accounts/transactions/balances missing, a bank not returning everything): it reveals an upstream outage or a known incident on a specific bank/connector, so you can tell a provider-side problem apart from a connection that just needs reconnecting. Returns the global indicator (none/minor/major/critical), degraded components, open incidents, and — when you have banks connected — flags the incidents that affect YOUR connected banks in your_banks_affected.
| Name | Required | Description | Default |
|---|---|---|---|
No parameters | |||
Tool Definition Quality
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Adds context beyond annotations by describing return data (global indicator, degraded components, incidents, your_banks_affected). Annotations already declare readOnly and idempotent, so description enriches without contradiction.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.
Is the description appropriately sized, front-loaded, and free of redundancy?
Concise (~100 words), front-loaded with purpose, every sentence serves a purpose. Structured logically: what, when, what returns.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
Given zero parameters and no output schema, description covers all needed context: purpose, usage scenario, and return value details. Annotations cover safety profile.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
No parameters exist, so description adds no param-specific info. Per guidelines, 0 params yields baseline 4. No additional param meaning needed.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.
Does the description clearly state what the tool does and how it differs from similar tools?
Clearly states the verb 'checks' and resource 'LIVE operational status of the Open Finance provider'. Explicitly differentiates from sibling tool openfinance_get_item_status by emphasizing provider vs connection health.
Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.
Does the description explain when to use this tool, when not to, or what alternatives exist?
Provides explicit when-to-use scenario: when data looks incomplete/stale despite a connection showing UPDATED. Contrasts with the sibling tool and explains diagnostic value.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
openfinance_search_bank_connectorsARead-onlyIdempotentInspect
Searches the available bank connectors by name (pass keywords[], e.g. ['nubank','btg']) and returns, per match: the connector id, whether it's Open Finance or API (access), PF/PJ (audience), the user's already-linked connections (and accounts when include_accounts=true), and a ready connect_url with the bank pre-selected. Some non-Open-Finance credential connectors carry a caveat warning that they don't auto-update (needs periodic manual reconnection) — surface it so the user can prefer the institution's Open Finance connector for automation. Honors the user's plan (a PF plan hides PJ banks; a PJ plan covers BOTH — PF and PJ banks connect and count under the same plan). Call this BEFORE connecting to hand the user a one-click link to the right bank. keywords[] is REQUIRED — without it returns a hint (never dumps the whole catalog).
| Name | Required | Description | Default |
|---|---|---|---|
| keywords | No | ||
| include_accounts | No |
Tool Definition Quality
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already indicate readOnlyHint=true and idempotentHint=true. The description adds context about returning a connect_url, honoring the user's plan, and caveat warnings, which goes beyond the annotations without contradiction.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.
Is the description appropriately sized, front-loaded, and free of redundancy?
The description is a dense paragraph, packing a lot of information. It could be more structured (e.g., bullet points), but it is clear and front-loaded with the main action. Every sentence adds value.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
For a tool with 2 params, no output schema, and good annotations, the description is exceptionally complete: it covers purpose, usage, plan behavior, caveats, and when to call. No gaps remain.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
With 0% schema description coverage, the description fully explains both parameters: keywords (array of strings, required, example given) and include_accounts (boolean, triggers account retrieval). Provides behavior details not in schema.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.
Does the description clearly state what the tool does and how it differs from similar tools?
The description clearly states it searches bank connectors by name and returns connector id, access type, audience, linked connections, and a ready connect_url. It distinguishes from sibling tools like 'connect' and 'marketplace' by focusing on search and pre-selection.
Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.
Does the description explain when to use this tool, when not to, or what alternatives exist?
Explicitly says to call 'BEFORE connecting', explains that keywords[] is REQUIRED (returns hint otherwise), and describes plan behavior (PF vs PJ). Guides on surfacing caveat warnings to prefer Open Finance connectors.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
openfinance_update_transaction_categoryAInspect
Corrects the category of one or more transactions (PATCH /transactions/:id). Pass items as an array of { transaction_id, category_id } — transaction_id comes from openfinance_list_transactions, category_id from openfinance_list_categories. This overrides Pluggy's automatic categorization AND teaches Pluggy: recategorizing a transaction automatically creates a Category Rule for this client (case-insensitive exact match on the transaction's data), so FUTURE similar transactions are categorized the same way — use this to fix miscategorized transactions and improve categorization accuracy going forward. Batch shape: returns { updated, results: [{ transaction_id, category, categoryId }], errors: [{ id, status, message }] } — per-item errors do not fail the whole batch.
| Name | Required | Description | Default |
|---|---|---|---|
| items | Yes |
Tool Definition Quality
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Discloses critical behavioral traits: overrides automatic categorization, creates a Category Rule for future similar transactions (teaches Pluggy), and describes batch error handling (per-item errors don't fail the whole batch). Annotations (readOnlyHint=false, destructiveHint=false) are consistent; no contradiction.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.
Is the description appropriately sized, front-loaded, and free of redundancy?
The description is comprehensive but slightly verbose. It could be slightly more concise (e.g., splitting into bullet points). However, it front-loads the essential purpose and action, and every sentence adds value.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
Given a simple input schema (one parameter, no output schema), the description covers the return shape, error handling, and side effects. No gaps remain for a correct invocation. The context is complete.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
The input schema has 0% description coverage, but the description thoroughly explains the `items` parameter: it's an array of objects with transaction_id and category_id, and specifies where to obtain these IDs (from list_transactions and list_categories). Fully compensates for missing schema descriptions.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.
Does the description clearly state what the tool does and how it differs from similar tools?
The description clearly states the action (corrects category of transactions), specifies the HTTP method and endpoint (PATCH /transactions/:id), and distinguishes itself by referencing sibling tools (openfinance_list_transactions, openfinance_list_categories) as sources for inputs. No ambiguity.
Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.
Does the description explain when to use this tool, when not to, or what alternatives exist?
The description explains when to use: to fix miscategorized transactions and improve future categorization. It provides guidance on sourcing transaction_id and category_id from related tools. While it doesn't explicitly state when not to use, the context is sufficient for appropriate selection.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
report_bugAIdempotentInspect
Report a bug, missing feature, or send feedback. Include the conversation array with recent messages for reproduction.
| Name | Required | Description | Default |
|---|---|---|---|
| context | No | ||
| message | Yes | ||
| conversation | No | [] |
Tool Definition Quality
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already indicate idempotentHint=true (safe to retry) and readOnlyHint=false (write operation). The description adds that the conversation array should be included for reproduction, which is helpful context. It does not mention side effects, authentication needs, or confirmation responses, but it does not contradict annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.
Is the description appropriately sized, front-loaded, and free of redundancy?
The description is extremely concise: two sentences that directly convey the tool's purpose and a key usage hint. No redundant or extraneous information; every word serves a purpose.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
Given the tool's simplicity (one required parameter, no output schema), the description is largely sufficient. It explains how to use the key 'conversation' parameter. However, it could mention the response behavior (e.g., confirmation or error handling) to be fully complete.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
The input schema has 0% description coverage, placing the burden on the tool description. The description explains the 'conversation' parameter (for reproduction) but does not clarify 'context' or elaborate on 'message' beyond the tool's general purpose. This adds some meaning but is incomplete.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.
Does the description clearly state what the tool does and how it differs from similar tools?
The description clearly states the tool's purpose: reporting bugs, missing features, or sending feedback. It uses specific verbs ('Report', 'send') and a clear resource. Among the sibling tools, none serve the same function, so it is well-distinguished.
Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.
Does the description explain when to use this tool, when not to, or what alternatives exist?
The description provides a specific usage instruction: 'Include the conversation array with recent messages for reproduction.' This clarifies a key requirement. However, it does not explicitly state when not to use this tool or compare it to alternatives, though no direct alternatives exist among siblings.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
show_versionARead-onlyIdempotentInspect
Show the current MCP platform and adapter versions.
| Name | Required | Description | Default |
|---|---|---|---|
No parameters | |||
Tool Definition Quality
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true and idempotentHint=true, confirming safe, side-effect-free behavior. The description adds specificity about what is shown (platform and adapter versions), which is consistent and informative.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.
Is the description appropriately sized, front-loaded, and free of redundancy?
One short sentence that is clear and front-loaded. No unnecessary words.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
For a simple read-only version tool with no parameters, the description is complete. It states what is shown (versions) and nothing else is needed.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
With 0 parameters and 100% schema coverage, the description does not need to add parameter info. Baseline score of 4 applies as it adds no semantics beyond the schema.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.
Does the description clearly state what the tool does and how it differs from similar tools?
The description clearly states the verb 'Show' and the resource 'current MCP platform and adapter versions.' It distinguishes from all sibling tools, none of which provide version information.
Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.
Does the description explain when to use this tool, when not to, or what alternatives exist?
The description does not explicitly state when to use this tool versus alternatives, but it is logically implied for checking version info. No usage guidance beyond the basic purpose is given.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
toolkit_infoARead-onlyIdempotentInspect
Returns the current toolkit state: installed MCPs, their connection status, the accounts connected to each one, and how many catalog tools each exposes.
| Name | Required | Description | Default |
|---|---|---|---|
No parameters | |||
Tool Definition Quality
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, idempotentHint=true, and destructiveHint=false, so the safety profile is covered. The description adds value by detailing what the return includes (installed MCPs, connection status, account links, catalog tool counts) but does not reveal additional behavioral traits like pagination, caching, or authentication requirements. This matches the baseline for annotation-backed tools.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.
Is the description appropriately sized, front-loaded, and free of redundancy?
The description is a single, front-loaded sentence that begins with the core purpose ('Returns the current toolkit state') and then lists the exact contents. Every phrase adds value, with no redundant or vague language.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
For a simple no-parameter, read-only info tool without an output schema, the description is complete enough. It covers the essential return categories (installed MCPs, connection status, accounts, catalog tool counts) and gives the agent a clear expectation of what the tool provides. There is no need for additional context about pagination or errors given the tool's simplicity.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
The tool has zero parameters, so schema coverage is trivially 100%. The description correctly adds no parameter-specific information because there are none, and the baseline for zero-parameter tools is 4. No further semantic clarification is needed.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.
Does the description clearly state what the tool does and how it differs from similar tools?
The description clearly states the tool returns the current toolkit state, enumerating specific elements (installed MCPs, connection status, accounts, catalog tool counts). The verb 'returns' is specific and the resource is well-defined, distinguishing it from sibling tools that focus on finance operations or authentication.
Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.
Does the description explain when to use this tool, when not to, or what alternatives exist?
The description provides clear context for when to use this tool — to get an overview of the toolkit state, including MCP connectivity and account status. It does not explicitly name alternatives or exclusions, but the unique focus on 'toolkit state' makes the usage scenario apparent without needing to reference sibling tools.
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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