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Glama

Server Details

Connect your Midway account to AI via Brazil's Open Finance: balances, statements, cards, investment

Status
Healthy
Last Tested
Transport
Streamable HTTP
URL

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MCP client
Glama
MCP server

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Usage analytics

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Tool DescriptionsA

Average 4.4/5 across 24 of 24 tools scored. Lowest: 3.2/5.

Server CoherenceA
Disambiguation3/5

Most tools have distinct purposes, but there is potential confusion between tools like openfinance_list_accounts vs openfinance_get_accounts_detail (list vs detail), openfinance_list_transactions vs openfinance_list_transactions_by_item (raw vs aggregated), and openfinance_get_item_status vs openfinance_provider_status (connection vs provider health). The 'marketplace' tool is overloaded with many actions (search, describe, invoke, install, etc.), which could lead to misselection.

Naming Consistency3/5

The majority of tools follow a verb_noun pattern (e.g., list_accounts, get_balance), but there are notable exceptions: 'marketplace' is a noun, 'connect' and 'authenticate' are bare verbs, and 'toolkit_info' uses noun_noun. This inconsistency may confuse an agent.

Tool Count4/5

With 24 tools, the server covers a broad range of financial data retrieval and marketplace functionality. The count is slightly high but still reasonable given the dual purpose of Open Finance operations and MCP marketplace management.

Completeness4/5

The tool set covers most core Open Finance operations (accounts, balances, transactions, bills, investments, loans) and includes a powerful marketplace tool. Some gaps exist (no account creation/deletion, no category management beyond update), but the overall surface is comprehensive.

Available Tools

24 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
Behavior3/5

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

Annotations include idempotentHint=true and destructiveHint=false. The description adds context about returning a login link when called without arguments, but does not detail side effects or token expiration behavior.

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 paragraph that efficiently conveys the purpose and usage instructions. It is front-loaded with the tool's intent and avoids unnecessary words.

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 the tool's simplicity and lack of output schema, the description covers the main use cases. However, it does not specify the return format or what happens upon successful authentication, leaving some gaps for an AI agent.

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

Parameters4/5

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

Schema description coverage is 0%, but the description compensates by explaining that 'token' is a JWT obtained from the browser, and that calling without arguments returns a link. This provides clear meaning 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 is for authentication, specifying it is designed for MCP.AI IDE agents and explains the login process in the browser. It distinguishes itself from sibling tools as the only 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 Guidelines4/5

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

The description provides clear guidance on two use cases: permanent login via config and session-only login via token. It explains when to call with token and when without, but does not explicitly state when not to use it.

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 idempotentHint=true, indicating safe, read-only behavior. The description adds behavioral details about return values in different states, which is consistent 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.

Conciseness5/5

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

Two sentences, no wasted words, front-loaded with the key action ('Returns connection status and URLs').

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?

The tool has no parameters and no output schema, so the description covers the main scenarios adequately. However, it does not mention potential error states or if any prerequisites (like prior authentication) exist, which would add completeness.

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 schema coverage is 100%. The description adds meaning by specifying the output structure (authenticated, pending, connect_url) beyond what the empty schema provides.

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

Purpose5/5

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

The description clearly states the tool's purpose: returning connection status and URLs. It distinguishes itself from siblings like 'authenticate' and 'openfinance_list_connections' by focusing on the overall connection status, not authentication flow or per-connection 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?

The description implicitly guides usage by explaining the two possible outputs based on connection state (when all providers connected vs credentials missing). It does not explicitly list alternatives or when-not-to-use, 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.

marketplaceAInspect

THE official mcp.ai marketplace — the in-platform catalog of every MCP/tool, AND the way to run them. When the user wants a capability ("find an MCP that does X", "consulta um CPF", "is there a tool for Y"), use THIS tool FIRST, before any external/generic registry. 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.

ParametersJSON Schema
NameRequiredDescriptionDefault
limitNo
queryNo
actionNosearch
mcp_idNo
messageNo
tool_idNo
argumentsNo{}
immediateNo
tier_slugNo
conversationNo[]
request_nameNo
report_contextNo
request_detailsNo
Behavior5/5

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

Adds significant context beyond annotations: describes write operations requiring admin privileges, that invoke can return connect or checkout links, and that one-off installs behind invoke are temporary. 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.

Conciseness3/5

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

The description is verbose and packs many details, which may hinder quick scanning. It is front-loaded with the primary function but could be more concise while maintaining completeness.

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 the complexity (13 parameters, multiple actions, no output schema), the description covers the essential aspects: core workflow, action differentiation, and dependencies like auth and payment. Minor gaps in formal parameter documentation are offset by narrative completeness.

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?

Despite 0% schema coverage, the description effectively explains the purpose of each action and associated parameters through contextual narrative. It compensates moderately by detailing when to use each field like mcp_id, tool_id, arguments, etc.

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 as the official marketplace for discovering and running MCPs and tools. It distinguishes from sibling tools by emphasizing its role as the primary in-platform catalog and execution gateway.

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 instructs to use this tool first before external registries, explains when to invoke versus install, and notes prerequisites like authentication and payment. Provides clear alternative actions for installation, subscription, and reporting.

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

openfinance_disconnect_bankA
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
Behavior4/5

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

Description adds value beyond destructiveHint annotation by specifying consent revocation, data deletion, irreversible unavailability, and return of a re-connect URL. No contradiction with annotations.

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

Conciseness5/5

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

Three short, front-loaded sentences efficiently convey action, consequence, and return value with no redundancy.

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

Completeness2/5

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

Despite being a simple tool, the missing explanation of the sole parameter leaves a critical gap; the description is insufficient for correct invocation.

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

Parameters1/5

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

Schema has one required parameter 'item' with 0% description coverage, and the tool description does not explain what 'item' represents (e.g., bank identifier or connection ID), leaving the agent guessing.

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 consent and deletes connection data for a specific bank, which is a distinct destructive action among siblings like openfinance_list_connections or 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 Guidelines3/5

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

The description implies use when disconnecting a bank, but offers no explicit guidance on when to use versus alternatives like list_connections or force_sync. The mention of a re-connect URL provides some context.

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, or connector_name); 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. LOGIN_ERROR / WAITING_USER_INPUT) means the user must reconnect; 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?

Discloses wait behavior (polls up to ~60s, returns immediately if wait=false), explains return fields like status, executionStatus, lastUpdatedAt, synced, needs_action, timed_out. Adds significant context beyond annotations, which only indicate non-read-only and non-destructive.

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 dense but well-structured, front-loaded with action. Every sentence adds useful information, though slightly long. Could be trimmed slightly without losing clarity.

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 format and all relevant behaviors (wait timeout, error states, synced meaning). Covers parameters, usage context, and alternative tool references, making it complete for an agent.

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?

Adds meaning to both parameters: wait explained as fire-and-forth flag, items described as array of selectors (item_id, connector_id, or connector_name) with instruction to omit for all banks. Schema provides no descriptions, so description fully compensates.

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 bank to re-sync connections and waits for completion. It distinguishes itself by explaining it pulls fresh data without disconnecting/reconnecting, and mentions the return format with results and errors.

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 advises to use when balance or transaction list looks stale, states it pulls fresh data without disconnecting, and suggests omitting items to sync all. Provides guidance on fire-and-forget via wait=false and mentions re-checking with openfinance_get_item_status on timeout.

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. Response shape: { results: [...], errors: [{ id, status, message }] }.

ParametersJSON Schema
NameRequiredDescriptionDefault
account_idsYes
Behavior4/5

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

Annotations already indicate read-only and idempotent behavior. The description adds context about real-time nature, error handling (errors vs warnings), and response shape. 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?

Three sentences: purpose, parameter usage with caveats, response shape. No unnecessary text. Front-loaded with the main action.

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

Completeness4/5

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

Given no output schema, the description provides the response shape. It covers parameter constraints, error behavior, and real-time nature. Could mention idempotency but annotations cover it.

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 compensates by stating account_ids as an array with size constraint (1–50), adding meaning beyond the schema type.

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 a real-time balance payload per account id, specifying the endpoint. It differentiates from siblings like openfinance_list_accounts (which lists accounts) and openfinance_get_accounts_detail (more detail).

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 specific usage instructions: pass account_ids as an array of 1–50 items. It also explains handling of CREDIT accounts with structured warnings instead of errors. While it doesn't explicitly state when not to use, 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_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.

ParametersJSON Schema
NameRequiredDescriptionDefault
account_idsYes
Behavior3/5

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

Annotations already mark readOnlyHint, idempotentHint, and destructiveHint. The description adds batch behavior and error shape, which is consistent and provides some additional context.

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, no fluff. First sentence states purpose, second gives input/output format. Front-loaded and efficient.

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 simple read-only tool with one parameter and existing annotations, the description covers purpose, input constraints, and output shape. Could list more fields but adequate.

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

Parameters4/5

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

Schema description coverage is 0%, but the description explains the account_ids parameter as an array (1–50) and ties it to the endpoint. This adds meaning beyond the bare schema.

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

Purpose4/5

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

The description clearly states it returns full account objects with extended creditData per ID, and mentions batch shape. However, it does not explicitly differentiate from sibling tools like openfinance_list_accounts.

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 guidance on when to use this tool versus alternatives like openfinance_list_accounts or openfinance_get_account_balance. The description only specifies the input format.

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's creditCardMetadata.billId links it to the specific bill. 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?

Beyond annotations (readOnlyHint, idempotentHint), description adds critical behavioral details: no individual transactions returned, Pluggy lacks paid/status field, payments array reflects previous bill's payment, and alternative for payment status via sibling tool. No contradiction with annotations.

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

Conciseness4/5

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

Single paragraph with clear front-loaded purpose. Each sentence adds value, but the description is slightly lengthy. Still efficient given the complexity.

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 return shape ({ results, errors }), usage workflow (discover IDs, call for bills, then transactions), caveats (payments array meaning, paid status), and cross-tool dependencies. No output schema, but description provides necessary 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?

Schema coverage is 0%, so description compensates by explaining bill_ids is an array, how to pass it, and how to discover IDs. Adds meaning beyond raw schema, but could specify ID format more explicitly.

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?

Clearly states 'Returns bill-level detail for one or more credit card bills by id' and specifies included fields (financeCharges, payments). Explicitly distinguishes from sibling tool openfinance_list_transactions by stating what it does NOT return.

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 instructs to use openfinance_list_credit_card_bills first to discover IDs, and to use openfinance_list_transactions for itemized transactions. Warns about the meaning of payments array, providing clear when-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, and connector metadata. Omit item to get the status of ALL linked banks at once (returns { count, items }); pass item for a single bank.

ParametersJSON Schema
NameRequiredDescriptionDefault
itemNo
Behavior4/5

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

Annotations already declare readOnlyHint and idempotentHint, so safety is covered. The description adds response structure details (e.g., `{ count, items }` for the all-banks case) and lists example status values, which goes 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?

Two sentences with no fluff. The purpose is front-loaded, and the two usage modes are clearly separated. Every sentence adds value.

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 the low tool complexity (one optional parameter, no output schema), the description is mostly complete. It covers both modes and expected status values, but could be more precise about the single-bank response structure.

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 single parameter `item`: omitting it returns all banks, passing it returns a single bank. This adds essential meaning beyond the schema type definition.

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 the current status of a bank connection with specific status values and distinguishes between retrieving all banks vs. a single bank. It differentiates from siblings like openfinance_list_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?

Provides clear context on when to omit or pass the `item` parameter to get all banks vs. a single bank, but does not explicitly mention when not to use the tool or compare to alternatives.

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.

ParametersJSON Schema
NameRequiredDescriptionDefault
itemNo
typeNo
Behavior5/5

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

Beyond the readOnlyHint and idempotentHint annotations, the description discloses critical behavioral nuances: the connector-dependent meaning of CREDIT balance, the distinction between account's name (legal entity) and 'bank' field (brand), and the significance of creditData fields like balanceCloseDate and balanceDueDate. These add substantial value over the annotations alone.

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 thorough but slightly verbose; it could be trimmed. However, it is well-organized, starting with the core purpose, then detailing parameter behavior, and ending with notes on credit balance. The structure aids readability despite the length.

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 complexity of listing accounts with optional filtering and nuanced data (bank, connector_id, creditData), the description is highly complete. It explains return fields, parameter behavior, and warns about connector-dependent balance interpretation. It also references the sibling tool for credit card bills, providing a comprehensive context.

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?

Despite 0% schema description coverage, the description fully compensates by explaining the 'item' parameter's effect (optional, filters by bank connection) and the 'type' parameter's enum values (BANK for checking/savings, CREDIT for credit card). It provides semantic context that is absent from 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 returns accounts for bank connections, distinguishing between BANK and CREDIT types, and specifies the data fields (balance, number, type, etc.). It also clarifies the behavior when 'item' is omitted or included, making it distinct from sibling tools like openfinance_list_credit_card_bills.

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

Usage Guidelines5/5

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

The description provides explicit guidance on when to omit 'item' (to list accounts across all banks) and when to pass 'item' (for a single bank). It also directs users to openfinance_list_credit_card_bills for standardized bill amounts, clearly indicating when not to use this tool for credit card balance interpretation.

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 indicate read-only and idempotent behavior; the description adds useful details like caching per session and that it returns a single aggregated response with no batch IDs, enhancing transparency.

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 with two sentences, front-loading key information (returns taxonomy, cached) and adding response field details 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?

Given no parameters, good annotations, and no output schema, the description sufficiently explains the tool's purpose, behavior (caching), response structure (fields), and usage hints (language preference), making it 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 has no parameters and 100% schema coverage, so the baseline is 4; the description adds no parameter information, which is appropriate since none are needed.

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 'Pluggy's transaction category taxonomy' and mentions the underlying endpoint, distinguishing it from sibling tools by specifying it returns categories used by another tool.

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 explains the result is cached and provides guidance on using descriptionTranslated for pt-BR users, but does not explicitly state when to use this tool over alternatives; however, given no sibling returns categories, the usage intent 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_connectionsA
Read-onlyIdempotent
Inspect

Returns the saved bank connections for this install: connector_id, item_id, bank name, and an add_connection_url to link additional banks via the Open Finance widget.

ParametersJSON Schema
NameRequiredDescriptionDefault

No parameters

Behavior3/5

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

Annotations already indicate readOnlyHint=true, idempotentHint=true, and destructiveHint=false. The description adds context about the returned fields (connector_id, item_id, bank name, add_connection_url) but does not mention any potential side effects or behavior beyond the annotation-provided safety profile.

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?

A single sentence that is front-loaded with the action and resource, no wasted words. Every part of the description is valuable.

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

Completeness4/5

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

Given no output schema, the description explains the returned fields sufficiently. However, it could be more complete by mentioning pagination, ordering, or performance characteristics for a 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?

The tool has zero parameters, so there is no need for parameter-level description. The description adds no parameter information, but baseline for 0 parameters is 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 clearly states it returns saved bank connections for this install, listing specific fields (connector_id, item_id, bank name, add_connection_url). The verb 'Returns' and resource 'saved bank connections' are specific and unambiguous, distinguishing it from sibling list tools.

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?

The description provides no guidance on when to use this tool versus alternatives, no context on prerequisites or when not to use it. It simply states what it does without usage direction.

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

openfinance_list_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|calendar_month_fallback), close_date, due_date, total_amount (net charges − credits), transaction_count }; plus a future_bills[] breakdown per month for installments dated beyond the close. CONNECTOR ASYMMETRY: where the bank does NOT expose the open bill before closing (it publishes only closed bills, no PENDING), open_bill.available is false with a reason and total_pending_debt is null — that bill simply isn't retrievable by any endpoint until it closes (upstream limit of the institution's Open Finance feed, not our filter). Default false (the projection runs an extra accounts+transactions scan, so it's opt-in). This tool's results are bill-level summaries — NOT individual transactions. To see itemized purchases/charges per bill, use openfinance_list_transactions with the CREDIT account_id (each transaction's creditCardMetadata.billId links to the bill). 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?

Annotations already declare readOnlyHint, idempotentHint, destructiveHint. Description adds extensive behavioral context: Brazilian Open Finance payment semantics (payment goes to bill where cycle contains payment date), derived payment_status logic, connector asymmetry for open bills, and warning behavior when CREDIT_CARDS product not enabled. 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?

Description is thorough but somewhat verbose, especially in payment_status explanation. However, it is front-loaded with essential info and uses clear sections (IMPORTANT, CONNECTOR ASYMMETRY, Bulk support). A more concise version could reduce length without losing clarity.

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 complexity of Brazilian Open Finance, the description is very complete: explains return fields, payment semantics, derived payment_status, connector asymmetry, bulk support, and cross-reference to openfinance_list_transactions. No output schema, but description details returned data. Sibling differentiation is clear.

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% description coverage. Description explains include_open_bill (purpose, default, derived fields), account_ids for bulk, and account_id implicitly. However, page and page_size parameters are not described, relying on common pagination understanding. For a complex tool, this is a minor 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 it returns CLOSED credit card bills for a CREDIT-type account, listing key fields and differentiating from openfinance_list_transactions which handles itemized transactions. The verb 'Returns' and resource 'CLOSED credit card bills' make the purpose specific and unambiguous.

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: when to use include_open_bill (opt-in), when to use openfinance_list_transactions for itemized data, explains connector asymmetry and payment semantics. Tells agent to use derived payment_status instead of assuming payment from payments array. 'Bulk support' section clarifies batch execution.

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

openfinance_list_investmentsB
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.

ParametersJSON Schema
NameRequiredDescriptionDefault
itemNo
pageNo
typeNo
page_sizeNo
Behavior4/5

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

Annotations already declare readOnlyHint=true and idempotentHint=true, so the description adds value by detailing the return structure and error handling (returns { total:0, results:[], warning } instead of throwing). This provides behavioral context beyond annotations.

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

Conciseness4/5

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

The description is a single paragraph that efficiently conveys purpose, asset types, return fields, and error behavior. It is well front-loaded with the core function. Some additional structure (e.g., bullet points for fields) could improve readability, but it remains concise.

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

Completeness2/5

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

The tool has four parameters and no output schema. The description partially covers the output fields but lacks any parameter guidance. Without parameter documentation, the description is incomplete for effective tool use.

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

Parameters1/5

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

Schema description coverage is 0%, meaning the schema provides no descriptions for the four parameters (item, page, type, page_size). The description does not compensate: it mentions fields returned but does not explain how to use the parameters or map the 'type' enum to the listed investment types. This is a significant gap.

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

Purpose4/5

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

The description clearly states it returns investment portfolio for a connection and lists specific asset types. However, it does not explicitly differentiate from the sibling tool 'openfinance_list_investment_transactions', which focuses on transactions rather than holdings.

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 implies usage by stating what the tool does (portfolio retrieval) and mentions error handling, but it does not provide explicit guidance on when to use this tool versus alternatives like list_investment_transactions or when not to use it.

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 declare readOnlyHint=true, destructiveHint=false, idempotentHint=true. The description adds value by specifying the exact fields returned (quantity, value, amount, netAmount, etc.) and the itemized expenses. 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 and well-structured. The first sentence clearly states the purpose, followed by a list of fields, and a second paragraph on bulk support. No 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 no output schema, the description provides a good overview of the return fields. However, it does not explain the pagination parameters (page, page_size), which are present in the schema. Otherwise, it is 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.

Parameters2/5

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

The schema has 4 parameters but 0% schema description coverage. The description mentions investment_id and investment_ids (bulk support) but omits the page and page_size parameters. This leaves the agent to infer pagination from schema names alone, which is insufficient.

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 movement history for a specific investment position, listing transaction types (BUY/SELL/TAX etc.) and the fields returned. It distinguishes from the sibling tool openfinance_list_investments by explicitly noting it should be used after that tool to get the investment_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?

The description tells the agent to use this tool after openfinance_list_investments to obtain the investment_id, and mentions bulk support via investment_ids. It does not explicitly state when not to use, but the context is clear and provides a clear reference to a related sibling.

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?

Annotations already declare readOnlyHint=true and destructiveHint=false. Description adds value by disclosing sequential execution with rate-limit spacing and return format '{ results, errors }' per connection, providing behavioral context beyond annotations.

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

Conciseness5/5

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

Two sentences with no waste: first sentence states purpose and endpoint, second explains parameters and behavior. Front-loaded and efficient.

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 and no output schema, the description fully covers purpose, parameter semantics, sequential behavior, rate-limiting, and return format. No gaps.

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?

Input schema has one property 'items' with 0% description coverage. Description compensates by explaining that 'items' is an array of connection selectors (item_id uuid, connector_id, or connector_name), adding critical meaning.

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 lists loan contracts per bank connection, specifying the HTTP GET endpoint. This distinguishes it from sibling tools that list other financial data types such as accounts or transactions.

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 explicit usage guidance: pass 'items' as an array of connection selectors to fetch specific connections, or omit to list across all linked banks. Also explains sequential querying with rate-limit spacing. Lacks explicit mention of alternatives 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_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 carries creditCardMetadata.billId linking it to a specific bill from openfinance_list_credit_card_bills. 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 page (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). Pass an explicit page (with page_size, max 500) only if you want to walk pages manually instead. 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 (groups transactions by their credit card bill, pairs with openfinance_list_credit_card_bills), 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). 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.

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 with a 5000 ceiling, truncation warnings, error handling returning an object, detail levels with varying token use and coverage, search behavior, and CREDIT PENDING/POSTED differences across connectors.

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 well-structured with clear sections. It starts with the core purpose and then elaborates on details. Every sentence adds value, but it could be more concise for an AI agent. Given complexity, it's acceptable.

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?

No output schema is provided, so the description must cover return values. It mentions key fields for different detail levels and links to other tools for complementary data. It also covers error handling and pagination. Could list more fields, but sufficient for most use cases.

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?

Input schema has 8 parameters with 0% description coverage, so the description must explain each. It does so thoroughly: from/to (ISO dates), page (auto vs manual), page_size (max 500), detail (three levels), search_queries (case-insensitive OR), account_ids (batch).

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 transactions for bank accounts (BANK or CREDIT). It differentiates from siblings like openfinance_list_credit_card_bills for bill totals and openfinance_list_accounts for statement dates.

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 notes that for CREDIT accounts this is the only way to get itemized transactions, and provides alternatives for open bill totals (openfinance_list_credit_card_bills), statement dates (openfinance_list_accounts), and connection health (openfinance_get_item_status).

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.

ParametersJSON Schema
NameRequiredDescriptionDefault
toNo
fromNo
itemNo
typeNo
top_nNo
detailNo
granularityNo
Behavior5/5

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

Beyond annotations confirming readOnly and idempotent, the description reveals that the tool caps at 5000 transactions per account and flags truncation with 'truncated:true'. It also explains internal account resolution and output structure, providing significant behavioral context.

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

Conciseness4/5

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

The description is comprehensive but slightly verbose, with multiple clauses listing usage scenarios and output elements. Front-loaded with the main purpose, but could be more structured (e.g., bullet points). Still, every sentence adds value and 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?

Despite no output schema, the description details the output structure: total entradas/saídas, saldo_liquido, monthly evolution, top despesas/recebimentos, and per-account breakdown. It also covers edge cases omitting 'item' and truncation limit, making the tool self-sufficient.

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 all 7 parameters: meaning of 'from'/'to' as ISO dates, 'item' optional for all linked banks, 'type' filter, 'detail' levels (compact/rich/raw), 'granularity' (monthly/raw), and 'top_n'. It adds value beyond the raw schema for every parameter.

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 performs consolidated cash-flow analysis for a bank connection over a period in one call, resolving accounts internally. It distinguishes itself from sibling tools like openfinance_list_transactions by emphasizing the consolidation and summary output, and provides specific usage scenarios like 'fluxo de caixa'.

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 advises when to use the tool for annual/monthly analysis and cash flow, and explicitly says you do not need to call openfinance_list_accounts first. It explains options like granularity and detail but does not explicitly compare with siblings like openfinance_list_transactions for cases where simple listing is needed. Slight gap prevents a 5.

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

Behavior5/5

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

No annotation contradiction. Description adds behavioral context beyond annotations: returns global indicator, degraded components, open incidents, and flags your connected banks' affected incidents.

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 sentences, each adding value: purpose, usage scenario, and return details. No wasted words; front-loaded.

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?

Despite no output schema, description fully explains return content (global indicator, degraded components, incidents, your_banks_affected), making it complete for a status check 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, so schema coverage is 100% trivially. Description need not explain parameters; baseline 4 is appropriate.

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 specific verb 'checks' and resource 'LIVE operational status of the Open Finance provider', clearly distinguishing it 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?

Explicit guidance: 'Use it whenever data looks incomplete or stale... it reveals an upstream outage...' and contrasts with connection-level status, providing clear when-to-use and differentiation.

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). 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
Behavior4/5

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

Annotations declare read-only and idempotent, and the description adds behavioral details such as the caveat for non-Open-Finance connectors and plan-based filtering. No contradiction with annotations.

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

Conciseness4/5

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

The description is detailed but well-structured, starting with the core functionality and then adding important nuances. It is not overly verbose and each sentence serves a purpose.

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

Completeness4/5

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

Given no output schema, the description fully explains the return structure, including caveats and plan-based behavior. It is sufficiently complete for a search tool, though error handling is not covered.

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%, but the description thoroughly explains both parameters: keywords as an array of strings (with examples) and include_accounts as a boolean for including accounts. This compensates for the lack of schema documentation.

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, returning numerous details and a connect URL. It distinguishes from sibling tools like connect and marketplace by specifying its role in the connection workflow.

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 to call this BEFORE connecting, and that keywords is required, returning a hint if omitted. It does not mention when not to use or alternatives, but usage is clear from context.

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?

Annotations provide minimal info (non-readonly, non-destructive, non-idempotent). Description adds critical behavioral context: it overrides automatic categorization and creates a Category Rule affecting future transactions. No contradiction with annotations.

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

Conciseness4/5

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

Description is a single dense paragraph but front-loads the main action and then provides necessary details about side effects and batch behavior. Could be split into clearer sentences, but no waste.

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 shape { updated, results, errors } and batch behavior. Covers purpose, parameters, side effects, and error handling adequately for a complex 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 description compensates by explaining 'items' as an array with transaction_id and category_id, and specifying where to get those IDs (from list tools). Adds meaning beyond the schema's type/required constraints.

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 the tool corrects transaction categories via PATCH endpoint. It specifies the verb 'corrects' and resource 'transaction categories', and distinguishes from sibling tools like openfinance_list_transactions and openfinance_list_categories by telling where to get IDs.

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: to fix miscategorized transactions and improve future categorization. It provides sources for required IDs. While it doesn't explicitly list when not to use, the context and sibling names imply clear purpose. Missing explicit alternatives but still strong.

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[]
Behavior4/5

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

Annotations already provide idempotentHint=true and destructiveHint=false. The description adds useful behavioral context by specifying that the conversation array is needed for reproduction, beyond what annotations indicate. No contradictions are present.

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 sentences long, front-loading the purpose and then a key guideline. Every sentence is necessary, with no extraneous content.

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

Completeness4/5

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

Given no output schema and the tool's simplicity, the description covers the core task and a critical usage hint. It lacks mention of what happens after reporting (e.g., response or confirmation), but this is acceptable for a feedback tool.

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%, so the description must explain parameters. It only addresses the 'conversation' parameter (include for reproduction), leaving 'message' and 'context' unexplained. This is insufficient for an agent to understand their roles.

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. The verb 'report' and resource types are explicit, and it distinguishes from sibling tools which are all unrelated (e.g., authenticate, connect, openfinance 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?

The description advises to 'Include the conversation array with recent messages for reproduction,' which provides context for when to include extra data. However, it does not explicitly state when not to use this tool or mention alternatives, though sibling tools cover distinct functions making confusion unlikely.

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

Behavior4/5

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

Annotations already declare read-only and idempotent; description adds specific version output context without contradicting 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?

Single sentence with clear, front-loaded verb and object; 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?

For a simple read-only tool with no parameters, the description fully specifies its return value without needing 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?

No parameters present; baseline 4 per rules for zero-parameter 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 it shows MCP platform and adapter versions, distinguishing it from other 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?

No explicit when to use vs alternatives, but the tool is self-explanatory and has no siblings with overlapping purpose.

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, and how many catalog tools each exposes.

ParametersJSON Schema
NameRequiredDescriptionDefault

No parameters

Behavior3/5

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

Annotations already provide readOnlyHint, idempotentHint, and destructiveHint as true/false, indicating safety and idempotency. The description adds details about return content but not additional behavioral traits (e.g., auth requirements, rate limits). Given the annotations cover the safety profile, the description's contribution is minimal.

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 front-loads the purpose and returns. It is concise with no wasted words, earning its place.

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 zero parameters and full annotation coverage, the description sufficiently explains what the tool returns. Without an output schema, the description provides enough detail about the return value (installed MCPs, connection status, catalog tool counts).

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 has zero parameters, so the description does not need to explain them. Baseline for 0 params is 4, and the description is appropriately succinct about this.

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' and the resource 'toolkit state', specifying the exact content: installed MCPs, connection status, and catalog tool counts. It distinguishes itself from sibling tools like authenticate or connect, which perform different actions.

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 implies usage for retrieving toolkit state but does not explicitly state when to use it vs alternatives, nor does it provide exclusions or contextual guidance. It is a simple info tool, so the absence of guidance is less critical but still leaves room for improvement.

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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