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openfinance_list_accounts

Read-onlyIdempotent

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

Bulk support: accepts item_ids for batched execution.

Input Schema

TableJSON Schema
NameRequiredDescriptionDefault
itemNo
typeNo
item_idNo
item_idsNo

Schema Changelog

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

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

TDQS

A4.8/5.0
Behavior5/5

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

Beyond the readOnly/idempotent/destructive hints, it discloses connector-dependent balance meaning, `balance_notice` semantics, possible lag in `bankData.closingBalance`/`automaticallyInvestedBalance`, `provider_incident` reliability warnings, and `identity_notice` deduplication needs. These are non-obvious behaviors an agent must know to use the data correctly.

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

Conciseness4/5

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

The description is long but front-loaded with the core behavior and then organized into distinct caveats that each address a real correctness risk. It could be tightened, but the length is largely justifiable given the financial data ambiguity it must cover.

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

Completeness5/5

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

With no output schema and only minimal annotations, the description carries the full burden of return-value semantics and edge cases. It covers fields, the bank/name distinction, cross-connection aggregation, credit-bill alternatives, stale/incident notices, and bulk execution. An agent has enough to invoke the tool and interpret results correctly.

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

Parameters4/5

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

Schema description coverage is 0%, so the description must carry parameter meaning. It explains `item` (omit vs. pass), `item_ids` for bulk, and the BANK/CREDIT distinction, but does not explicitly explain the singular `item_id` parameter. This is a minor gap in an otherwise strong compensation for the schema's lack of descriptions.

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

Purpose5/5

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

The description opens with a specific verb and resource: 'Returns accounts for a bank connection' and distinguishes BANK versus CREDIT accounts. It also clarifies the `bank` field versus each account's `name`, giving the agent enough to disambiguate the tool from related list/detail tools.

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

Usage Guidelines5/5

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

The description gives explicit selection guidance: OMIT `item` when the user asks for 'my accounts/cards' without naming a bank, pass `item` to target a single bank, and use openfinance_list_credit_card_bills for standardized open-bill and total-debt amounts. This clearly tells the agent when to use this tool versus a sibling.

Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.

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TDQS

A4/5.0
Disambiguation3/5

The openfinance_* tools are mostly distinct resource/action pairs, but several boundaries blur: openfinance_list_transactions vs openfinance_list_transactions_by_item vs openfinance_get_credit_card_bill(include_transactions) all return transaction data, and openfinance_get_item_status / openfinance_provider_status / openfinance_list_connections all concern connection health. The monolithic marketplace tool also bundles search/describe/invoke/install/prompt-library operations, adding further ambiguity.

Naming Consistency4/5

The 19 openfinance_* tools follow a clean snake_case verb_noun pattern (list_accounts, get_item_status, update_transaction_category), but the six platform tools break it with bare verbs (authenticate, connect) and noun-style names (marketplace, toolkit_info). The split is namespace-based and still readable, so it is only a minor inconsistency.

Tool Count3/5

25 tools is on the heavy side, but the server spans two domains: an Open Finance banking surface (accounts, bills, loans, investments, connections) and a marketplace/platform layer (auth, search, prompts, bug reporting). Many openfinance tools are necessary for that breadth, though the count is high enough to feel bloated.

Completeness4/5

The Open Finance surface is nearly complete: connections can be searched, listed, disconnected, force-synced, and health-checked; accounts, transactions, bills, loans, and investments all have read/detail paths; transaction categories can be updated. Minor gaps exist, such as no granular marketplace tools outside the monolithic marketplace tool and no single-transaction detail endpoint, but core workflows do not dead-end.