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openfinance_get_loan_detail

Read-onlyIdempotent

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.

Input Schema

TableJSON Schema
NameRequiredDescriptionDefault
loan_idsYes

TDQS

A4.8/5.0
Behavior5/5

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

Discloses behavioral traits beyond annotations: specifies GET request, batch operation with array of 1-50 loan_ids, response shape { results, errors }, and detailed fields returned. No contradiction with readOnlyHint annotation.

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 dense but each sentence adds value: purpose, use context, parameter details, response shape. Slightly long but effective. Could be more structured with bullet points.

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

Completeness4/5

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

Given no output schema, the description provides extensive field listing and batch shape. It covers prerequisites and usage context. Minor lack of error handling details, but overall quite complete for a detail endpoint.

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

Parameters5/5

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

The input schema only defines loan_ids as an array of strings with 0% coverage. The description adds critical semantics: array size limit (1-50), batch behavior, and that it accepts multiple IDs for detail lookup.

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 clearly states the tool's purpose: returning full loan contract detail by ID. It lists specific return fields and distinguishes from sibling tool openfinance_list_loans by indicating its use for deep-diving after listing.

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?

Explicitly tells when to use this tool: 'Use after openfinance_list_loans to deep-dive on a specific contract.' This provides clear guidance compared to alternatives.

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

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TDQS

A4.2/5.0
Disambiguation5/5

Every tool has a clearly distinct purpose: accounts, transactions, credit card bills, loans, investments, connections, sync, categories, provider status, and platform meta-tools are all separable. Even the two transaction tools differ (per-account list vs consolidated analysis) and the two status tools differ (connection vs provider health).

Naming Consistency4/5

The openfinance_* prefix is consistently applied across the financial domain, and most follow a verb_noun pattern (list_accounts, get_balance, update_category). However, there are non-prefixed tools (authenticate, connect, marketplace, toolkit_info) and one outlier like openfinance_provider_status (noun instead of verb) that slightly break the pattern.

Tool Count3/5

25 tools is at the upper boundary of what feels heavy for a single server, even for a comprehensive financial aggregation toolkit. The number is justified by the breadth of domains covered (accounts, credit, loans, investments, connections, platform features), but it requires careful agent selection and might be better split into separate servers.

Completeness5/5

The surface covers the full financial data lifecycle: listing and fetching details for all asset types, updating transaction categories, managing connections (list, sync, disconnect, reauth), checking provider health, and searching connectors. There are no obvious dead ends—every domain has read and appropriate write/update operations.