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Server Details

Connect your Dock account to AI via Brazil's Open Finance: balances, statements, cards, investments.

Status
Healthy
Last Tested
Transport
Streamable HTTP
URL
Repository
mcp-dir/dock-mcp
GitHub Stars
0
Server Listing
Dock MCP

Glama MCP Gateway

Connect through Glama MCP Gateway for full control over tool access and complete visibility into every call.

MCP client
Glama
MCP server

Full call logging

Every tool call is logged with complete inputs and outputs, so you can debug issues and audit what your agents are doing.

Tool access control

Enable or disable individual tools per connector, so you decide what your agents can and cannot do.

Managed credentials

Glama handles OAuth flows, token storage, and automatic rotation, so credentials never expire on your clients.

Usage analytics

See which tools your agents call, how often, and when, so you can understand usage patterns and catch anomalies.

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Tool DescriptionsA

Average 4.4/5 across 24 of 24 tools scored. Lowest: 3.6/5.

Server CoherenceA
Disambiguation4/5

Most tools have distinct purposes, but there is some potential confusion between openfinance_list_transactions and openfinance_list_transactions_by_item, and between openfinance_list_credit_card_bills and openfinance_get_credit_card_bill. However, descriptions clearly differentiate them.

Naming Consistency4/5

The majority of tools follow a consistent verb_noun snake_case pattern (e.g., openfinance_list_accounts). A few tools like 'marketplace' and 'toolkit_info' deviate, but overall the naming is predictable.

Tool Count4/5

With 24 tools, the server covers a broad domain including platform utilities and comprehensive Open Finance operations. While slightly above average, the count is justified by the scope.

Completeness5/5

The tool set covers all major aspects of Open Finance: account listing, balances, transactions, credit card bills, investments, loans, category management, force sync, and connection health. Additionally, marketplace and authentication tools complete the platform experience without obvious gaps.

Available Tools

25 tools
authenticateA
Idempotent
Inspect

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.

ParametersJSON Schema
NameRequiredDescriptionDefault
tokenNo
Behavior5/5

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

Annotations provide idempotentHint=true, readOnlyHint=false, destructiveHint=false. The description adds behavioral context: it explains the browser login flow, token lifetime options, and that calling without args returns a link. 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.

Conciseness4/5

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

The description is clear and front-loaded but slightly verbose (e.g., 'MCP.AI for IDE agents (Cursor, etc.)'). Every sentence adds value, but it could be tightened without losing meaning.

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?

Given one optional parameter, no output schema, and adequate annotations, the description covers all necessary information: purpose, usage, parameter semantics, and behavioral details. Complete for the tool's complexity.

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?

Schema has one optional parameter 'token' with no description (0% coverage). The description fully compensates by explaining its meaning: 'call with { token: '<jwt>' } after the user pastes, or with no args to get the link.'

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: authenticate by logging in via browser and obtaining/copying an access token, or pasting a token for session-only login. It distinguishes from siblings (e.g., connect, marketplace) by being the authentication tool.

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 provides explicit when-to-use guidance: it explains the two authentication methods (permanent via config, session-only via token) and instructs to call with token or without args. It also notes the best practice for permanent connection.

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

connectA
Read-onlyIdempotent
Inspect

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.

ParametersJSON Schema
NameRequiredDescriptionDefault

No parameters

Behavior4/5

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

Annotations already declare readOnlyHint=true and destructiveHint=false, so safety is clear. The description adds value by detailing the response structure (authenticated field, pending array, connect_urls). This goes beyond the annotations by describing the tool's output behavior in two conditions.

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

Conciseness5/5

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

The description is two succinct sentences that front-load the core purpose ('Returns connection status and URLs'). Every word adds value, with no redundancy or wasted text.

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 parameters, a read-only annotation, and no output schema, the description covers the essential behavior for a simple status check tool. It details both success and credential-missing outcomes. It could mention error handling or rate limits, but for its complexity, it is adequately complete.

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

Parameters4/5

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

The tool has zero parameters and schema coverage is 100%, so baseline is 4. The description does not need to add parameter information because none exist. It correctly implies no input is required.

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 that the tool returns connection status and URLs. It explains the two distinct scenarios (all connected vs. missing credentials), making the tool's function unambiguous. While it doesn't explicitly distinguish from siblings like 'authenticate', the behavior is specific enough that purpose is unmistakable.

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

Usage Guidelines3/5

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

The description explains what happens in two states (all connected vs. missing credentials), but doesn't explicitly guide when to use this tool versus alternatives like 'authenticate' or other openfinance tools. The context signals suggest it's for checking connection status, but explicit usage guidance is absent.

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.

ParametersJSON Schema
NameRequiredDescriptionDefault
limitNo
queryNo
actionNosearch
mcp_idNo
messageNo
tool_idNo
argumentsNo{}
immediateNo
tier_slugNo
prompt_bodyNo
prompt_slugNo
prompt_toolNo
prompt_varsNo{}
conversationNo[]
prompt_titleNo
request_nameNo
cancel_reasonNo
cancel_commentNo
prompt_targetsNo
report_contextNo
prompt_categoryNo
request_detailsNo
prompt_descriptionNo
Behavior5/5

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

The description discloses important behavioral traits beyond annotations: invoke works even when the MCP is not installed, does not bloat the tool list, returns connect/checkout links when auth/payment is needed, and writes require workspace owner/admin. It also explains the shareable prompt link behavior and installed_in_toolkit vs installed_in_workspace flags. No contradiction with annotations exists.

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 main definition and core flow, then logically groups install vs invoke, permission requirements, and the prompt library. It is dense and mostly earns its length given the tool's complexity, though a bulleted or more segmented structure would improve scannability.

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

Completeness4/5

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

For a 14-action, 23-parameter tool with no output schema, the description is unusually complete: it covers the main flows, auth/payment edge cases, permissions, and the prompt library. It stops short of specifying return shapes for every action and omits a few action-specific parameters, so it is not perfect, but it is far above the minimum viable level.

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

Parameters3/5

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

With 0% schema coverage, the description partially compensates by explaining the action enum values and the roles of mcp_id, tool_id, arguments, and prompt-related parameters in the core flow. However, many parameters like limit, immediate, cancel_reason, report_context, conversation, and prompt_targets are left undocumented, so an agent would still have to guess their exact semantics.

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 defines the tool as 'the official mcp.ai marketplace — the in-platform catalog of every MCP/tool, AND the way to run them,' which clearly states its core purpose. It also distinguishes it from sibling openfinance tools by covering MCP discovery, description, and execution rather than financial data access. The search→describe→invoke core flow further specifies what the tool does.

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 usage guidance, e.g., 'Use install only to make an MCP PERMANENT in the active toolkit' and 'prefer invoke for a single/occasional use.' It also explains when to use request_mcp, search_prompts, and publish_prompt, and how to handle credential/checkout retries, making alternative choices within the tool very clear.

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

openfinance_disconnect_bankB
Destructive
Inspect

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.

ParametersJSON Schema
NameRequiredDescriptionDefault
itemYes
Behavior3/5

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

Annotations already indicate destructiveHint=true. The description adds that data is deleted and no longer available, and returns a reconnection URL. This adds some context beyond annotations but does not detail side effects or auth requirements.

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

Conciseness5/5

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

The description is two concise sentences with no unnecessary words. The first sentence states the action and consequence, the second adds the return value. Information is front-loaded.

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

Completeness3/5

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

For a one-parameter destructive tool, the description covers the main effect and return value. However, the parameter 'item' is insufficiently described, and the add_connection_url is mentioned but not explained. Completeness is adequate but not thorough.

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

Parameters2/5

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

With 0% schema description coverage, the description only mentions 'a specific bank' for the item parameter, leaving it ambiguous whether it is a bank ID, name, or connection ID. The description does not clarify the parameter's format or source.

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 revokes Open Finance consent and deletes connection data for a specific bank, with a specific verb and resource. It distinguishes from siblings like connect or force_sync by focusing on disconnection.

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

Usage Guidelines2/5

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

No explicit guidance on when to use this tool versus alternatives, such as openfinance_force_sync or connect. The description does not provide when-not scenarios or prerequisites.

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).

ParametersJSON Schema
NameRequiredDescriptionDefault
waitNo
itemsNo
Behavior5/5

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

Describes polling behavior up to 60s, return format, error states (needs_action with reconnect_url), and fire-and-forget option. Annotations don't provide such detail, so description adds significant behavioral context 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.

Conciseness4/5

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

Description is thorough but well-structured with logical flow: action, usage, parameters, return, edge cases. Every sentence adds value, though length could be slightly trimmed for absolute conciseness.

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?

Given no output schema, description thoroughly explains return structure (results, errors, status fields). Covers all necessary context for correct invocation and interpretation of results.

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?

Schema has 0% description coverage, but description fully explains both parameters: 'items' as array of selectors (item_id, connector_name, etc.) or omit for all, and 'wait' as boolean for synchronous vs fire-and-forget. This fully compensates for missing schema 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 clearly states the tool forces a re-sync of connections and waits for completion. It specifies the action (force sync), resource (connections), and distinguishes from sibling tools like openfinance_get_item_status.

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 (stale balances/transactions), when not (disconnect/reconnect not needed), and provides alternatives (check status with openfinance_get_item_status after timeout). Also explains parameter options like omitting items for all connections and using wait:false for fire-and-forget.

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

openfinance_get_account_balanceA
Read-onlyIdempotent
Inspect

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 }] }.

ParametersJSON Schema
NameRequiredDescriptionDefault
account_idsYes
Behavior5/5

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

Beyond annotations (readOnly, idempotent), it details specific failure modes: BALANCE_FETCH_ERROR for CREDIT accounts, and degradation to last-synced balance with warning for upstream issues. 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.

Conciseness4/5

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

The description is concise and well-structured, though it packs multiple cases into one sentence. It could be slightly more organized but remains clear.

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?

Even without an output schema, it fully documents the response shape and all edge cases (errors, degradation). The single required parameter is adequately explained.

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?

With 0% schema description coverage, the description adds the array size constraint (1–50) and implies the array of strings, providing meaningful context beyond the schema.

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 it returns real-time balance for account IDs, specifies the GET endpoint, and distinguishes from sibling tools focused on listing accounts or details.

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

Usage Guidelines4/5

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

It explains how to pass account_ids (array of 1–50) and describes error handling. However, it does not explicitly tell when to use this tool versus alternatives like openfinance_get_accounts_detail.

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

openfinance_get_accounts_detailA
Read-onlyIdempotent
Inspect

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.

ParametersJSON Schema
NameRequiredDescriptionDefault
account_idsYes
Behavior5/5

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

Annotations already declare readOnlyHint, idempotentHint, and destructiveHint. The description adds significant value by disclosing the provider_incident block and warning that credit limits/balances may be unreliable, which goes beyond the annotations. 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.

Conciseness5/5

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

The description is concise (few sentences), front-loaded with the purpose, and each sentence adds distinct information: what it returns, how to call it, batch shape, and reliability warning. No redundancy.

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?

With only one parameter and no output schema, the description explains the batch response shape and the special provider_incident block. It covers reliability warnings but does not detail the full account object structure. Adequate given the context, but an output schema would be more complete.

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

Parameters4/5

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

The input schema only specifies the type (array of strings) for account_ids. The description adds constraint of 1-50 items and batch shape, providing useful meaning beyond the schema, though no examples or allowed values are provided.

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 identifies the tool as returning full account objects with extended creditData, specifies the HTTP method and path (GET /accounts/:id), and distinguishes it from list tools by focusing on detailed retrieval by ID.

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

Usage Guidelines4/5

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

It states that account_ids must be an array of 1-50 items and describes the batch response shape ({ results, errors }). It provides a critical guideline to not use data when a provider_incident is present, but does not explicitly compare to alternatives like openfinance_list_accounts.

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_billA
Read-onlyIdempotent
Inspect

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.

ParametersJSON Schema
NameRequiredDescriptionDefault
bill_idsYes
Behavior5/5

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

The description goes well beyond annotations by detailing behavioral traits: it does not return individual transactions, the payments[] array reflects payments registered during this bill's billing cycle (typically for the previous bill), it does not include a paid/status field, and the batch response shape is { results, errors }. It also notes that the billId hint in transactions is sparse/inconsistent. No contradiction with annotations (readOnlyHint, idempotentHint, destructiveHint).

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 relatively long but front-loads the core purpose. Every sentence adds essential information (purpose, limitations, usage guidance, warnings). It could potentially be trimmed slightly, but it remains focused and well-organized. Score 4 for appropriate conciseness.

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?

Given the tool's complexity (batch results, nuanced payment semantics, no output schema), the description covers all critical aspects: return fields, what is excluded, prerequisites, how to check payment status, and connector-specific inconsistencies. It is complete and leaves no major gaps for an agent to misuse the tool.

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 coverage is 0%, so the description carries full burden. It explains that bill_ids is an array and instructs the agent to discover valid IDs via openfinance_list_credit_card_bills. While it does not describe the exact format of each ID, it provides actionable context for parameter usage. This adds significant value beyond the schema, justifying a score of 4.

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 begins by stating it 'Returns bill-level detail for one or more credit card bills by id' and lists specific fields (financeCharges, payments[]). It clearly distinguishes the tool from sibling tools like openfinance_list_credit_card_bills (which discovers bill IDs) and openfinance_list_transactions (which returns individual transactions).

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 explicitly directs the agent to first use openfinance_list_credit_card_bills to discover bill IDs, warns against using this tool to get individual transactions (recommending openfinance_list_transactions instead), and advises checking payment status via openfinance_list_credit_card_bills. It provides clear when-to-use and 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_get_item_statusA
Read-onlyIdempotent
Inspect

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.

ParametersJSON Schema
NameRequiredDescriptionDefault
itemNo
item_idNo
item_idsNo
Behavior4/5

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

Annotations already declare readOnlyHint=true, idempotentHint=true, destructiveHint=false. The description adds valuable context about the reconnect_url behavior and the response structure ({ count, items } for all). 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.

Conciseness4/5

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

The description is two sentences, front-loading the main purpose and parameter behavior. The first sentence is somewhat long but packs information efficiently without wasted words.

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 3 optional parameters and no output schema, the description adequately covers the return elements and the bulk versus single distinction. Minor gap: the response format for a single bank is only implied, not explicitly stated.

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

Parameters3/5

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

Schema description coverage is 0%, so the description must compensate. It explains the use of `item` (single bank) and `item_ids` (bulk), but does not explain `item_id`, which is a separate parameter. This leaves a gap for one of the three parameters.

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 returns the status of one or all bank connections, including specific statuses, executionStatus, connector metadata, and reconnect_url. It differentiates between single and bulk retrieval, and the verb 'Returns' is specific to the resource 'status of a bank connection'. Among siblings, this is unique.

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

Usage Guidelines4/5

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

The description provides clear context on when to omit vs include the `item` parameter for single vs all banks, and mentions bulk support via `item_ids`. However, it does not explicitly state when not to use this tool or suggest alternatives among siblings like `openfinance_list_connections`.

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

openfinance_get_loan_detailA
Read-onlyIdempotent
Inspect

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.

ParametersJSON Schema
NameRequiredDescriptionDefault
loan_idsYes
Behavior4/5

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

Annotations declare readOnlyHint=true and idempotentHint=true, confirming no side effects. The description adds value by detailing the response fields, batch shape ({ results, errors }), and parameter limit, enriching the agent's understanding beyond the annotations.

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

Conciseness5/5

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

The description is compact, front-loaded with purpose, then usage guidance and parameter detail. Every sentence adds value with no redundancy.

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?

Given the tool's simplicity (1 param, no output schema), the description covers all needed aspects: purpose, usage context, parameter constraint, and output shape. It is fully adequate for an AI agent to select and invoke the tool 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 has 0% parameter description coverage, so description must compensate. It does so by explaining 'Pass `loan_ids` as an array (1-50).' This adds length constraint and clarifies purpose, but could specify format of loan IDs.

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 verb (returns), resource (full loan contract detail), and method (by id). It differentiates from the sibling tool openfinance_list_loans by specifying 'Use after openfinance_list_loans to deep-dive on a specific contract.'

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

Usage Guidelines4/5

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

Description provides explicit usage context: 'Use after openfinance_list_loans to deep-dive on a specific contract.' It also specifies parameter constraints (1-50 loan IDs) and output shape. Does not exclude alternative tools, but the context is clear.

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

openfinance_list_accountsA
Read-onlyIdempotent
Inspect

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.

ParametersJSON Schema
NameRequiredDescriptionDefault
itemNo
typeNo
item_idNo
item_idsNo
Behavior5/5

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

Discloses multiple behavioral traits beyond annotations: connector-dependent credit balance, provider incident handling, identity notice for deduplication, and bulk support. Adds significant context.

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?

Well-structured and front-loaded, but slightly verbose. Every sentence adds value, but could be more concise given the detail.

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?

Covers all necessary aspects: return fields, usage nuances, caveats, alternative tools, and bulk execution. Complete given the complexity and lack of output schema.

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?

With 0% schema coverage, the description explains `item`, `type`, and `item_ids` thoroughly but omits explicit mention of the singular `item_id` parameter. Still compensates well overall.

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 returns accounts (BANK and CREDIT) with detailed fields, and distinguishes from siblings like openfinance_list_credit_card_bills by specifying what each tool offers.

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?

Provides explicit guidance on when to use the tool (list all banks vs. single bank) and when to use alternative tools (e.g., for standardized bill amounts), along with parameter usage details.

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

openfinance_list_categoriesA
Read-onlyIdempotent
Inspect

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.

ParametersJSON Schema
NameRequiredDescriptionDefault

No parameters

Behavior4/5

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

Annotations already declare readOnlyHint=true, idempotentHint=true, destructiveHint=false. Description adds caching behavior, single aggregated response, and field structure, providing additional context 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.

Conciseness5/5

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

Concise, well-structured description. Front-loaded with main purpose, and each sentence adds meaningful information without redundancy.

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?

Given empty input schema and no output schema, the description covers the output fields, caching behavior, and relationship to the update tool, making it fully self-contained for an agent to use 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?

No parameters, so baseline is 4. Description adds value by detailing the output fields (id, description, descriptionTranslated, parentId, parentDescription) and noting that they are cached, which helps the agent understand the data format.

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 it returns Pluggy's transaction category taxonomy, cached for the session. It distinguishes from siblings by specifying it's a single aggregated response with no batch ids, and directly ties to the update tool by noting the `id` field usage.

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

Usage Guidelines4/5

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

Explicitly states when to use this tool (to get category taxonomy) and hints at usage via the `id` for update. Mentions preferring descriptionTranslated for pt-BR users. Lacks explicit when-not or alternatives, but context with siblings makes it clear.

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

openfinance_list_connectionsA
Read-onlyIdempotent
Inspect

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.

ParametersJSON Schema
NameRequiredDescriptionDefault

No parameters

Behavior4/5

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

Annotations already mark readOnlyHint, idempotentHint, destructiveHint. Description adds valuable context about reconnect_url behavior (UPDATE mode, non-destructive refresh) 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.

Conciseness4/5

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

Single paragraph, reasonably concise. Every sentence adds value, though the reconnect_url explanation could be slightly more compact.

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?

No output schema, but description fully explains return fields (connector_id, item_id, bank name, URLs) and behaviors. Complete for a parameterless list tool.

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?

No parameters (0 params, 100% schema coverage). Baseline is 4. Description does not need to add parameter details.

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?

Description clearly states it returns saved bank connections with specific fields (connector_id, item_id, bank name, reconnect_url, add_connection_url). Distinguishes from sibling list tools by focusing exclusively on connections.

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

Usage Guidelines4/5

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

Explicitly explains when to use the reconnect_url (for re-authentication, MFA connectors, LOGIN_ERROR, stale data) and notes it does not consume a slot. Does not contrast with other list tools but context is clear.

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_billsA
Read-onlyIdempotent
Inspect

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.

ParametersJSON Schema
NameRequiredDescriptionDefault
pageNo
page_sizeNo
account_idYes
account_idsNo
include_open_billNo
Behavior5/5

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

Adds extensive context beyond annotations: explains payment timing, derived payment_status logic, open_bill availability conditions, connector asymmetry, and reliability warnings. 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.

Conciseness3/5

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

While thorough, the description is very long and could be more concise. It front-loads the main purpose but then provides extensive detail that might overwhelm, though each part adds value.

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?

Extremely complete: covers derived fields, payment logic, opt-in details, connector limits, reliability warnings, and result structure. No output schema, but description sufficiently explains what to expect.

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?

Given 0% schema coverage, the description compensates well: explains account_id (required), include_open_bill (opt-in with details), and account_ids (bulk support). However, does not explicitly describe page and page_size, though conventional for list endpoints.

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 it returns closed credit card bills for a CREDIT-type account, listing specific fields. It distinguishes from sibling tools like openfinance_list_transactions for individual transactions.

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?

Provides explicit guidance on when to use (for closed bills), when not to (for individual transactions), and alternatives (use openfinance_list_transactions). Also warns against misinterpreting payment status and advises on opt-in behavior.

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

openfinance_list_investmentsA
Read-onlyIdempotent
Inspect

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.

ParametersJSON Schema
NameRequiredDescriptionDefault
itemNo
pageNo
typeNo
item_idNo
item_idsNo
page_sizeNo
Behavior5/5

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

Annotations already indicate readOnly and idempotent. The description adds valuable behavior details: how it handles 403 errors (returns zeroed response), and the cross-checking mechanism for suspect_zeroed rows. 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.

Conciseness4/5

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

The description is front-loaded with the main purpose and efficiently covers error handling and data integrity. The data integrity section is detailed but essential for correct usage; overall it is well-structured and not overly verbose.

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

Completeness3/5

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

The description explains return structure and data integrity warnings, but missing parameter documentation leaves gaps. For a complex tool with no output schema, more detail on parameter meanings and result shape would improve completeness.

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

Parameters2/5

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

Schema description coverage is 0% with 6 parameters. The description only mentions item_ids for bulk support, leaving item, page, type, item_id, page_size unexplained. This fails to compensate for the lack of schema 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 clearly states the tool returns the investment portfolio for a connection, listing specific asset types. It distinguishes from siblings like openfinance_list_investment_transactions by focusing on portfolio overview rather than transaction history.

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

Usage Guidelines4/5

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

The description implies when to use (to get investment portfolio) and provides specific guidance on handling data integrity warnings. However, it lacks explicit 'when not to use' or direct comparisons with alternative 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_investment_transactionsA
Read-onlyIdempotent
Inspect

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.

ParametersJSON Schema
NameRequiredDescriptionDefault
pageNo
page_sizeNo
investment_idYes
investment_idsNo
Behavior4/5

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

Annotations already indicate readOnlyHint and idempotentHint. The description adds detail about return fields (quantity, value, expenses) and bulk support. No contradictions, but it could mention pagination behavior or error handling.

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 a single focused paragraph, front-loading the core purpose and fields, then usage guidance. It is concise but could be slightly more structured.

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

Completeness3/5

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

Given no output schema, the description explains many return fields and provides usage context. However, it omits pagination details (page, page_size) and lacks explicit response format or sorting behavior.

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

Parameters2/5

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

With 0% schema description coverage, the description must compensate. It explains investment_id (from list_investments) and investment_ids for bulk, but does not describe page or page_size parameters, leaving a significant gap.

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 returns movement history for a specific investment position, listing transaction types (BUY/SELL/etc.) and fields. It mentions using after openfinance_list_investments, distinguishing it from sibling tools like openfinance_list_transactions.

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

Usage Guidelines3/5

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

The description advises to use after openfinance_list_investments to get the investment_id, and mentions bulk support. However, it does not provide explicit when-not-to-use alternatives or compare with siblings like openfinance_list_transactions.

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

openfinance_list_loansA
Read-onlyIdempotent
Inspect

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.

ParametersJSON Schema
NameRequiredDescriptionDefault
itemsNo
Behavior4/5

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

Discloses sequential querying and rate-limit spacing, plus the return structure `{ results, errors }`. Annotations already indicate readOnly and idempotent, so description adds non-obvious behavior 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.

Conciseness5/5

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

Three highly informative sentences with no redundancy, front-loaded with the main action and endpoint.

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?

Covers parameter usage, behavior for single vs. multiple connections, and return structure. No output schema exists, but description provides sufficient context for a list tool with one parameter.

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?

With 0% schema description coverage, the description fully explains the only parameter `items`: it's an array of connection selectors (item_id uuid, connector_id, or connector_name), and how omitting it lists all banks.

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 verb 'list' and resource 'loan contracts per bank connection', and distinguishes itself from sibling tools like openfinance_get_loan_detail by specifying scope (per connection or all).

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

Usage Guidelines4/5

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

Explicitly explains when to use `items` vs. omit it, and mentions rate-limit spacing for multiple connections. However, does not contrast with alternatives like openfinance_get_loan_detail for single loan retrieval.

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

openfinance_list_transactionsA
Read-onlyIdempotent
Inspect

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.

ParametersJSON Schema
NameRequiredDescriptionDefault
toNo
fromNo
pageNo
detailNo
page_sizeNo
account_idYes
account_idsNo
search_queriesNo
Behavior5/5

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

Beyond annotations (readOnlyHint, idempotentHint), the description discloses auto-pagination up to 5000 items, truncation, error return instead of throwing, provider_incident block, per-connector inconsistencies (Nubank sparsity), and bulk support. 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.

Conciseness4/5

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

The description is dense and well-structured, but somewhat long with some redundancy (e.g., creditCardMetadata warnings repeated). Front-loaded with purpose, then organized by topics (pagination, detail, etc.). Slightly overly verbose, but clear.

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?

Given high complexity (8 parameters, many edge cases, no output schema), the description covers all critical aspects: pagination modes, search, detail levels, error behavior, provider incidents, bulk support, and cross-references sibling tools. Complete for agent invocation.

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?

With 0% schema coverage, the description fully compensates: explains each parameter's purpose, format (ISO dates), behavior (auto vs manual pagination, defaults, max), detail levels (compact/rich/raw with detailed explanations), and search_queries (case-insensitive substring OR). Adds meaning well beyond schema.

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 explicitly states it returns transactions for bank accounts (BANK or CREDIT) and distinguishes from siblings like openfinance_list_credit_card_bills for bill totals, making the purpose crystal clear.

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?

Provides extensive guidance: when to use this vs. alternatives (e.g., for bill totals use other tool), pagination modes (auto vs manual), date filters, search_queries, detail levels, error handling, and when to check connection health. Explicitly states what not to do (e.g., don't sum by billId).

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_itemA
Read-onlyIdempotent
Inspect

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.

ParametersJSON Schema
NameRequiredDescriptionDefault
toNo
fromNo
itemNo
typeNo
top_nNo
detailNo
item_idNo
item_idsNo
granularityNo
Behavior4/5

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

Annotations already declare readOnlyHint=true and destructiveHint=false, indicating safe read operation. The description adds important behavioral details: capping at 5000 transactions per account with a truncated flag, potential provider_incident block, internal account resolution, and bulk support. This provides useful context beyond the annotations.

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 well-structured with clear sections and front-loaded purpose. It is thorough but somewhat verbose; some phrases could be tightened. However, every sentence adds value, so it earns a high score for conciseness given the amount of information conveyed.

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?

Given the tool's complexity (9 parameters, no output schema, multiple enums), the description covers all aspects: parameter usage, behavior (capping, incidents), granularity options, bulk support, and the structure of the compact summary. It is sufficiently complete for an agent to understand and use the tool correctly.

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?

With schema description coverage at 0%, the description carries full burden for parameter meaning. It explains each parameter: item (connector_id, connector_name, item_id), from/to (ISO dates), granularity (monthly vs raw), detail (compact, rich, raw), type (BANK or CREDIT), top_n (implied), and item_ids (bulk). The description adds significant semantic value beyond the schema.

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 explains that this tool performs consolidated cash-flow analysis for a whole bank connection over a period in one call, distinguishing it from siblings like openfinance_list_transactions which may require multiple calls. It explicitly states you do not need to call openfinance_list_accounts first, providing specificity.

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

Usage Guidelines4/5

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

The description provides clear context on when to use this tool, such as for 'fluxo de caixa', 'entradas e saídas', etc., and mentions when to choose granularity monthly vs raw. It advises against calling openfinance_list_accounts first. However, it does not explicitly state when alternatives like openfinance_list_transactions or other tools are more appropriate, so it's slightly less than perfect.

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

openfinance_provider_statusA
Read-onlyIdempotent
Inspect

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.

ParametersJSON Schema
NameRequiredDescriptionDefault

No parameters

Behavior4/5

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

Annotations already provide read-only and idempotent hints. Description adds valuable behavioral context: it queries a public status page, reveals upstream outages, and specifies return fields (global indicator, degraded components, incidents, your_banks_affected).

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?

Description is well-structured with the main action first, followed by use cases and return details. Slightly long but every sentence adds value.

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?

Given no parameters, no output schema, and rich annotations, the description is fully complete: it explains the tool's purpose, usage scenarios, differentiation, and what information it returns.

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?

No parameters exist, so schema coverage is 100%. Description doesn't need to add parameter details, but its clarity about what the tool does compensates fully.

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 it checks the LIVE operational status of the Open Finance provider, using specific verb 'Checks' and resource 'provider status page', and distinguishes from sibling tool openfinance_get_item_status.

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: when data looks incomplete or stale despite UPDATED connection, and contrasts with openfinance_get_item_status to differentiate provider-side vs connection issues.

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

openfinance_search_bank_connectorsA
Read-onlyIdempotent
Inspect

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).

ParametersJSON Schema
NameRequiredDescriptionDefault
keywordsNo
include_accountsNo
Behavior5/5

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

Annotations already mark the tool as read-only and idempotent. The description adds crucial behavioral details: keywords are required (returns hint if missing), caveat for non-Open-Finance connectors, plan filtering, and that it returns a ready connect_url. This goes well 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.

Conciseness5/5

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

The description is a single, moderately long paragraph, but every sentence adds value. It front-loads the core purpose, then details returns, caveats, and plan behavior. No fluff.

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?

Given no output schema, the description thoroughly covers what is returned per match (id, access, audience, connections, accounts, connect_url) and explains edge cases (caveat, plan honors). It is complete enough for an agent to use correctly.

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?

Schema description coverage is 0%, but the description fully explains both parameters: keywords with examples and required behavior, and include_accounts with its effect. This adds complete meaning beyond the bare schema.

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 searches bank connectors by name, returns connector details, and provides a connect_url. It distinguishes from sibling tools like 'connect' by specifying it should be called before connecting to get a one-click link, making the purpose very specific and actionable.

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

Usage Guidelines4/5

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

The description explicitly says 'Call this BEFORE connecting' and explains plan behavior (PF vs PJ). It implies this is the preliminary step before using 'connect', but does not explicitly list alternatives or when not to use, so it gets a 4.

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.

ParametersJSON Schema
NameRequiredDescriptionDefault
itemsYes
Behavior5/5

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

Discloses the side effect of creating a Category Rule for the client, teaches the system, and explains per-item error handling. This goes beyond the annotations, which only set readOnlyHint=false and destructiveHint=false.

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

Conciseness5/5

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

The description is a single, well-structured paragraph that front-loads the purpose, then provides usage details and side effects without unnecessary words.

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?

Covers input format, side effects, and output shape comprehensively for a mutation tool with no output schema, given the complexity of batch updates and rule creation.

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 schema has 0% description coverage, so the description fully compensates by explaining the array structure, required fields (transaction_id, category_id), and their sources (from list tools).

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 'Corrects the category of one or more transactions (PATCH /transactions/:id)' and explains how to obtain the required IDs from sibling tools, distinguishing this from list and other mutation tools.

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

Usage Guidelines4/5

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

Provides clear guidance on when to use (to fix miscategorized transactions and improve future categorization) and explains the batch shape, but does not explicitly state when not to use or mention alternatives.

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

report_bugA
Idempotent
Inspect

Report a bug, missing feature, or send feedback. Include the conversation array with recent messages for reproduction.

ParametersJSON Schema
NameRequiredDescriptionDefault
contextNo
messageYes
conversationNo[]
Behavior3/5

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

Annotations already provide idempotent and non-destructive hints. The description adds that the tool expects a conversation array for reproduction, but does not explain the effect (e.g., creates a ticket, notifies developers) or clarify the idempotency behavior. It is adequate but lacks depth.

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

Conciseness5/5

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

Two sentences: the first states the purpose, the second provides a key usage instruction. No unnecessary words, front-loaded with essential information.

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

Completeness3/5

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

For a simple reporting tool with 3 parameters and no output schema, the description is functional but lacks details on what happens after reporting (e.g., response, ticket creation). It could be more complete given the lack of schema descriptions.

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

Parameters3/5

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

Schema description coverage is 0%, so the description must compensate. It clarifies the role of the 'conversation' parameter ('recent messages for reproduction') but does not explain 'context' or 'message' beyond the overall purpose. This provides some added value but is incomplete.

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 reports bugs, missing features, or sends feedback. It is distinct from sibling tools which are primarily openfinance operations, so the purpose is unambiguous.

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

Usage Guidelines4/5

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

The description instructs to include the conversation array for reproduction, providing a specific usage context. However, it does not explicitly state when not to use this tool or mention alternative tools, but given the sibling list, the usage context is clear.

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

show_versionA
Read-onlyIdempotent
Inspect

Show the current MCP platform and adapter versions.

ParametersJSON Schema
NameRequiredDescriptionDefault

No parameters

Behavior2/5

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

The description adds no behavioral context beyond what annotations already provide. Annotations include readOnlyHint and idempotentHint, which fully cover the safety profile. The description does not disclose any additional traits such as output format or potential side effects.

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

Conciseness5/5

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

The description is a single sentence that is concise and front-loaded with the key action and subject. No wasted words.

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?

Given the tool's extreme simplicity (no parameters, no output schema), the description is complete enough for an agent to understand and invoke it 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?

There are no parameters, so the description does not need to add parameter info. Baseline score of 4 applies since schema coverage is 100% and no parameters exist.

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 retrieves MCP platform and adapter versions. It uses a specific verb ('Show') and resource ('versions'), and distinguishes easily from sibling tools that deal with authentication, OpenFinance operations, etc.

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

Usage Guidelines3/5

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

No explicit guidance on when to use versus alternatives, but the tool's simplicity makes its usage self-evident. However, it does not mention any exclusion criteria or alternative tools.

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

toolkit_infoA
Read-onlyIdempotent
Inspect

Returns the current toolkit state: installed MCPs, their connection status, the accounts connected to each one, and how many catalog tools each exposes.

ParametersJSON Schema
NameRequiredDescriptionDefault

No parameters

Behavior4/5

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

Annotations already declare readOnlyHint, idempotentHint, and destructiveHint, establishing a safe read-only operation. The description adds value by detailing exactly what the returned state contains, going beyond the annotation labels without contradicting them.

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

Conciseness5/5

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

The description is a single, front-loaded sentence that immediately states the action and resource, then efficiently lists all included content. Every word contributes meaning; no filler or redundancy.

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?

For a zero-parameter, read-only informational tool with strong annotations, the description is complete. It specifies the return content (installed MCPs, statuses, accounts, catalog counts) and needs no further context.

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?

With zero parameters and an empty input schema, the baseline is 4. The description correctly focuses on output semantics rather than parameters, which is appropriate here.

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 uses a specific verb ('Returns') and a clearly defined resource ('current toolkit state') followed by precise enumerations: installed MCPs, connection status, connected accounts, and catalog tool counts. This distinguishes it from sibling tools like show_version or connect.

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

Usage Guidelines4/5

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

The description makes the tool's purpose evident: use it when you need an overview of the current toolkit state, including connections and accounts. It does not explicitly mention alternatives or exclusions, but the unique informational scope and zero parameters provide clear context.

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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