Nubank MCP
Server Details
Connect your Nubank account to AI via Brazil's Open Finance: balances, statements, cards, investment
- Status
- Healthy
- Last Tested
- Transport
- Streamable HTTP
- URL
Glama MCP Gateway
Connect through Glama MCP Gateway for full control over tool access and complete visibility into every call.
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.
Tool Definition Quality
Average 4.4/5 across 3 of 3 tools scored.
Each tool has a clear, distinct purpose: authenticate for login, report_bug for feedback, show_version for version info. No overlap.
All tool names follow a consistent verb_noun pattern in snake_case: authenticate, report_bug, show_version.
Three tools is on the low end, but may be scoped for a utility server. However, the server name suggests broader Nubank integration, so the count feels insufficient for the implied scope.
The server is named 'Nubank MCP' but lacks any tools to interact with Nubank banking services (e.g., account info, transactions). It only covers authentication, feedback, and version, which is a severe gap for its stated purpose.
Available Tools
24 toolsauthenticateAIdempotentInspect
MCP.AI for IDE agents (Cursor, etc.): log in in the browser, copy the access token. Best: add it to this server's config as a header Authorization: Bearer <token> for a permanent, non-expiring connection. Or paste it here for a session-only login: call with { token: "" } after the user pastes, or with no args to get the link.
| Name | Required | Description | Default |
|---|---|---|---|
| token | No |
Tool Definition Quality
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Disclosed behavioral traits beyond annotations: describes session vs permanent authentication, token format (JWT), and that calling with no args returns a link. No contradictions with annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.
Is the description appropriately sized, front-loaded, and free of redundancy?
Description is clear and packed with information, but slightly verbose. Could be tightened while retaining all guidance. Still well-structured.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
Given context (single optional param, no output schema, annotations), the description is complete. Covers input, usage scenarios, and best practices.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
Schema has one undocumented optional 'token' parameter. Description adds critical semantics: token is a JWT, and explains the effect of providing it vs omitting it. Compensates fully for 0% schema coverage.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.
Does the description clearly state what the tool does and how it differs from similar tools?
The description clearly states the tool authenticates users, providing a login link or accepting a token. It distinguishes from siblings by focusing on authentication, which no other tool does.
Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.
Does the description explain when to use this tool, when not to, or what alternatives exist?
Explicitly explains when to use (to get a login link or paste a token) and provides best practice for permanent vs session login. Also mentions alternative setup via config.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
connectARead-onlyIdempotentInspect
Returns connection status and URLs. When all providers are connected, returns authenticated:true and empty pending[]. When credentials are missing, returns connect_url for the toolkit and per-install URLs.
| Name | Required | Description | Default |
|---|---|---|---|
No parameters | |||
Tool Definition Quality
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already indicate readOnlyHint=true and idempotentHint=true. The description adds value by explaining the two return scenarios (all connected vs missing credentials), which 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.
Is the description appropriately sized, front-loaded, and free of redundancy?
The description is two sentences, front-loaded with the core purpose, with no wasted words.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
The description explains return values in different states, sufficient for a no-parameter, read-only tool without an output schema.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
No parameters exist, and schema coverage is 100%. The description does not need to add parameter details, and it effectively omits them.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.
Does the description clearly state what the tool does and how it differs from similar tools?
The description clearly states the tool returns connection status and URLs, distinguishing it from siblings like authenticate by focusing on status and URLs.
Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.
Does the description explain when to use this tool, when not to, or what alternatives exist?
The description implies usage when connection status is needed, but does not explicitly specify when to use this tool versus alternatives like authenticate or other connection-related siblings.
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.
| Name | Required | Description | Default |
|---|---|---|---|
| limit | No | ||
| query | No | ||
| action | No | search | |
| mcp_id | No | ||
| message | No | ||
| tool_id | No | ||
| arguments | No | {} | |
| immediate | No | ||
| tier_slug | No | ||
| conversation | No | [] | |
| request_name | No | ||
| report_context | No | ||
| request_details | No |
Tool Definition Quality
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
The description discloses that the tool can perform writes (install/uninstall/subscribe/cancel) and invoke other tools, which may require authentication or payment. It explains that invoke runs tools even if not installed and returns connect/checkout links. This adds behavioral context beyond annotations, and does not contradict them.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.
Is the description appropriately sized, front-loaded, and free of redundancy?
The description is excessively long (over 20 lines) and not well-structured; it reads as a dense block of text rather than a concise overview. While it contains valuable information, it could be significantly shortened and organized into sections for easier consumption.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
The description covers the major workflows and action behaviors, but lacks details on many parameters and does not describe return values for each action. Given the tool's complexity (13 params, multiple actions), it is adequate for high-level understanding but incomplete for precise parameter usage.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
With 0% schema description coverage, the description must compensate. It explains the action parameter in detail and links mcp_id, tool_id, and arguments to the core flow. However, many parameters (limit, query, message, immediate, tier_slug, etc.) are not individually described, leaving ambiguity.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.
Does the description clearly state what the tool does and how it differs from similar tools?
The description clearly identifies the tool as the official marketplace for discovering and running MCPs, and explicitly distinguishes it from external registries and sibling tools. It states the core flow and emphasizes using this tool first when a user requests a capability.
Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.
Does the description explain when to use this tool, when not to, or what alternatives exist?
The description provides detailed guidance on when to use each action (search, describe, invoke, install, etc.), including prerequisites like credentials and payment. It explicitly contrasts one-off invoke vs permanent install, and advises on owner/admin requirements for writes.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
openfinance_disconnect_bankADestructiveInspect
Revokes the Open Finance consent for a specific bank and deletes the connection data. The bank's data will no longer be available. Returns an add_connection_url to re-connect if needed.
| Name | Required | Description | Default |
|---|---|---|---|
| item | Yes |
Tool Definition Quality
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already indicate destructiveHint=true. The description adds that it revokes consent and returns a reconnection URL, providing additional context beyond the annotation.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.
Is the description appropriately sized, front-loaded, and free of redundancy?
Three concise sentences front-load the action, effect, and return value with no extraneous information.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
While it describes the effect and return, it fails to specify the 'item' parameter's meaning and could provide more context about how to obtain the item from sibling tools.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
The single parameter 'item' has no description in schema (0% coverage) and the description does not explain what 'item' is, leaving the agent without necessary context.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.
Does the description clearly state what the tool does and how it differs from similar tools?
The description clearly states it revokes consent and deletes connection data for a specific bank, distinguishing it from sibling tools 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.
Does the description explain when to use this tool, when not to, or what alternatives exist?
The description implies it is used to disconnect a bank and provides a reconnection URL, but does not explicitly state when to use it over alternatives or provide exclusions.
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).
| Name | Required | Description | Default |
|---|---|---|---|
| wait | No | ||
| items | No |
Tool Definition Quality
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
The description goes well beyond annotations: it explains waiting up to ~60s, polling behavior, return fields (synced, needs_action, timed_out), and effect of wait:false. This provides rich behavioral context beyond 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.
Is the description appropriately sized, front-loaded, and free of redundancy?
The description is dense but well-structured: starts with core action and wait behavior, then use case, then parameter details, then return explanation. Every sentence adds value; no fluff.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
With no output schema, the description fully explains the return object { results, errors } and key fields. It covers edge cases (needs_action, timed_out) and gives actionable guidance. Complete for a sync tool with 2 parameters.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
Despite 0% schema description coverage, the description fully explains both parameters: 'wait' (boolean, true=wait up to 60s, false=fire-and-forget) and 'items' (array of selectors with examples, omission syncs all). No ambiguity remains.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.
Does the description clearly state what the tool does and how it differs from similar tools?
The description clearly states the tool forces a re-sync of connections and waits for completion. It specifies the HTTP method (PATCH), polling behavior, and use case. It distinguishes from sibling tools like openfinance_get_item_status (re-check) and mentions optional wait parameter for fire-and-forget.
Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.
Does the description explain when to use this tool, when not to, or what alternatives exist?
Explicitly tells when to use (stale balance/transaction list), what it does (pulls fresh data without disconnecting), and includes exclusions (omit items for all banks). It also mentions alternative: 're-check with openfinance_get_item_status' for timed_out cases.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
openfinance_get_account_balanceARead-onlyIdempotentInspect
Returns real-time balance payload per account id (GET /accounts/:id/balance). Pass account_ids as an array (1–50). CREDIT accounts may return Pluggy BALANCE_FETCH_ERROR — those rows include a structured warning instead of throwing. Response shape: { results: [...], errors: [{ id, status, message }] }.
| Name | Required | Description | Default |
|---|---|---|---|
| account_ids | Yes |
Tool Definition Quality
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Discloses real-time nature, array size limits, and specific error handling behavior (structured warning instead of throwing) for CREDIT accounts. Annotations already indicate read-only/idempotent, and the description adds valuable edge-case context.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.
Is the description appropriately sized, front-loaded, and free of redundancy?
Three sentences, front-loaded with purpose, each sentence adds essential information without redundancy. Efficiently covers endpoint, parameters, error handling, and response shape.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
No output schema, but description provides response shape ({results, errors}) covering success and error cases. Explains error handling nuance, making the tool comprehensible for an AI agent without additional documentation.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
With 0% schema description coverage, the description compensates by specifying array usage (1-50 items per account id) and implicitly that each string is an account ID. Could add format requirements but sufficient for usage.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.
Does the description clearly state what the tool does and how it differs from similar tools?
Describes exactly what the tool does: returns real-time balance payload per account id via GET endpoint. Clearly distinguishes from sibling tools like openfinance_list_accounts and openfinance_get_accounts_detail by focusing on balance retrieval.
Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.
Does the description explain when to use this tool, when not to, or what alternatives exist?
Provides clear direction on how to call (array of 1-50 account_ids) and explains error handling for CREDIT accounts. Lacks explicit when-not alternatives, but the tool is unique among siblings for balance retrieval.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
openfinance_get_accounts_detailARead-onlyIdempotentInspect
Returns full account objects including extended creditData (additional cards, limits) per id (GET /accounts/:id). Pass account_ids as an array (1–50). { results, errors } batch shape.
| Name | Required | Description | Default |
|---|---|---|---|
| account_ids | Yes |
Tool Definition Quality
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Description adds batch shape `{ results, errors }` and HTTP route, supplementing annotations (readOnlyHint, idempotentHint). No annotation contradiction; behavior is well-described.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.
Is the description appropriately sized, front-loaded, and free of redundancy?
Extremely concise: one sentence for purpose, one for parameter, one for output shape. No fluff, front-loaded with core info.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
Given no output schema, description covers output shape. Lacks detail on exact fields returned beyond extended creditData, but sufficient for a simple read tool with good annotations.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
Description adds critical constraint on parameter account_ids: allowed array size 1-50. Schema has 0% description coverage, so this is essential and helpful.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.
Does the description clearly state what the tool does and how it differs from similar tools?
Description clearly states it returns full account objects with extended creditData per ID, specifies HTTP GET route, and distinguishes from list tools. Specific verb 'Returns' and resource 'account objects' with details.
Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.
Does the description explain when to use this tool, when not to, or what alternatives exist?
Specifies to pass account_ids as an array (1-50), implying batch retrieval of specific accounts. Does not explicitly contrast with sibling tools like openfinance_list_accounts or openfinance_get_account_balance, but context provided by name and sibling list gives guidance.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
openfinance_get_credit_card_billARead-onlyIdempotentInspect
Returns bill-level detail for one or more credit card bills by id (GET /bills/:id): financeCharges and payments[] (id, paymentDate, amount, valueType, paymentMode). Does NOT return individual transactions — to get itemized credit card transactions (purchases, subscriptions, etc.), use openfinance_list_transactions with the credit card account_id and a from/to date range matching the bill's billing cycle (approximately dueDate − 30d to dueDate); each transaction'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.
| Name | Required | Description | Default |
|---|---|---|---|
| bill_ids | Yes |
Tool Definition Quality
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations indicate a safe read operation (readOnlyHint=true, idempotentHint=true, destructiveHint=false). The description adds crucial behavioral context: batch shape, missing paid/status field, and the nuance about payments[] reflecting previous bill payments. No contradiction with annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.
Is the description appropriately sized, front-loaded, and free of redundancy?
Every sentence adds value, purpose is front-loaded, and caveats are logically placed. No redundant text.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
With no output schema, the description details the return structure (financeCharges, payments[], batch shape) and notes what is not returned. Covers all essential aspects for selection and invocation.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
Schema coverage is 0% so description must explain parameters. It explains bill_ids is an array and advises using openfinance_list_credit_card_bills first. While clear, it could specify the expected format (e.g., string IDs).
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.
Does the description clearly state what the tool does and how it differs from similar tools?
The description explicitly states the tool returns bill-level detail for credit card bills by id, distinguishing it from sibling tools like openfinance_list_transactions and openfinance_list_credit_card_bills.
Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.
Does the description explain when to use this tool, when not to, or what alternatives exist?
It provides clear guidance: when to use for bill details, when to use openfinance_list_transactions for itemized transactions, and prerequisite to discover ids via openfinance_list_credit_card_bills. It also warns about interpreting payments[].
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
openfinance_get_item_statusARead-onlyIdempotentInspect
Returns the current status of a bank connection (UPDATED, UPDATING, LOGIN_ERROR, etc.), its executionStatus, and connector metadata. Omit item to get the status of ALL linked banks at once (returns { count, items }); pass item for a single bank.
| Name | Required | Description | Default |
|---|---|---|---|
| item | No |
Tool Definition Quality
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
The description discloses the returned fields (status, executionStatus, connector metadata) and the two invocation behaviors. Annotations already indicate readOnlyHint, idempotentHint, and non-destructive, which the description is consistent with. It adds value by describing the return shape differences, though it could mention that calling repeatedly is safe (implied by idempotent).
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.
Is the description appropriately sized, front-loaded, and free of redundancy?
The description is a single, efficient sentence that packs the main purpose, possible status values, and the two usage modes. It is front-loaded and every part is necessary.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
Given the tool has one optional parameter and no output schema, the description covers the essential information: what it returns and how to invoke it. The return format for a single item is described as 'its executionStatus, and connector metadata', which is sufficient but not fully explicit. It does not need to explain return values since there is no output schema, but a slightly more detailed structure for a single item would improve completeness.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
With schema coverage at 0%, the description fully compensates by explaining the semantics of the only parameter `item`: omitting returns all banks, passing returns a single bank. This adds complete meaning beyond the schema.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.
Does the description clearly state what the tool does and how it differs from similar tools?
The description clearly states the verb 'Returns', specifies the resource 'status of a bank connection', and provides examples of statuses (UPDATED, UPDATING, LOGIN_ERROR). It also distinguishes between two modes of invocation, differentiating it from sibling tools like openfinance_list_connections or openfinance_provider_status.
Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.
Does the description explain when to use this tool, when not to, or what alternatives exist?
The description explicitly instructs when to omit vs. pass the `item` parameter, explaining the different return structures. However, it does not provide guidance on when to use this tool versus other sibling tools (e.g., for listing connections without status).
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
openfinance_list_accountsARead-onlyIdempotentInspect
Returns accounts for a bank connection: BANK (checking/savings) and CREDIT (credit card) with balance, number, type, subtype, bankData, and creditData. Also returns bank (the brand/connector name like 'Nubank Empresas' — same shown in the dashboard UI) and connector_id. Note: each account's name is the legal entity that issues the account (e.g. 'Nu Pagamentos S.A. - Instituição de Pagamento'), which is not the same as the brand — when referring to the bank in user-facing text, use bank. OMIT item to list accounts across ALL linked banks at once — the response aggregates every connection's accounts into results, each row tagged with its own bank/connector_id/item_id (use this when the user asks for 'my accounts/cards' without naming a bank). Pass item to target a single bank (response carries bank/connector_id/item_id at the root). CREDIT (credit card) balance: its meaning is CONNECTOR-DEPENDENT — some banks report the current open-bill partial, others the full revolving/installment debt — so do NOT treat balance as 'this month's bill'. The open billing cycle is defined by creditData.balanceCloseDate (when it closes) / balanceDueDate (when it's due). For a standardized open-bill amount and total debt that mean the same across connectors, use openfinance_list_credit_card_bills (open_bill + total_pending_debt, derived from PENDING transactions); closed bills come from that same tool's results.
| Name | Required | Description | Default |
|---|---|---|---|
| item | No | ||
| type | No |
Tool Definition Quality
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, and destructiveHint. The description adds critical behavioral context: account name vs bank brand, connector-dependent credit balance meaning, and the role of creditData fields. No contradictions.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.
Is the description appropriately sized, front-loaded, and free of redundancy?
The description is lengthy but each sentence adds value. It front-loads the core purpose then provides important caveats. A slight trim could improve conciseness without losing substance.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
Given no output schema and 2 parameters with nuanced behavior, the description covers all critical aspects: return fields, parameter usage, credit balance caveats, and cross-references to related tools. It is self-contained for an AI agent.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
With 0% schema description coverage, the description fully explains the two parameters: 'item' (optional, targets a single bank) and 'type' (enum BANK/CREDIT). It provides usage context but doesn't detail the string format for 'item'.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.
Does the description clearly state what the tool does and how it differs from similar tools?
The description clearly states the tool returns accounts for a bank connection, differentiating between BANK and CREDIT types. It specifies all returned fields and distinguishes from sibling tools like openfinance_list_transactions by focusing on accounts.
Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.
Does the description explain when to use this tool, when not to, or what alternatives exist?
Explicitly explains when to omit vs include the 'item' parameter: omitting lists across all banks, including targets a single bank. Also advises against using 'balance' for credit cards as a bill amount, directing to an alternative tool. No ambiguities.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
openfinance_list_categoriesARead-onlyIdempotentInspect
Returns Pluggy's transaction category taxonomy (GET /categories), cached for the adapter session. Each entry has id (the categoryId used by openfinance_update_transaction_category), description (English), descriptionTranslated (Portuguese — prefer this for pt-BR users), parentId and parentDescription (the tree parent). Single aggregated response — no batch ids.
| Name | Required | Description | Default |
|---|---|---|---|
No parameters | |||
Tool Definition Quality
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, idempotentHint=true, destructiveHint=false, so the tool is safe. The description adds behavioral details: cached per session, single aggregated response (no batch ids), and response structure (id, description, parentId, etc.). This adds value beyond annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.
Is the description appropriately sized, front-loaded, and free of redundancy?
The description is concise: three sentences cover purpose, caching, response structure, and relationships. No redundant or excessive information. Front-loaded with the main action.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
Given the tool's simplicity (no params, no output schema), the description provides sufficient context: what it returns, caching strategy, structure of entries, and relevance to update_transaction_category. Annotations cover safety. Complete for an AI agent to invoke correctly.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
Input schema has no parameters (100% schema description coverage), so the description does not need to explain them. It instead describes the response fields, which helps the agent understand usage. Baseline 4 is appropriate for zero-parameter tools.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.
Does the description clearly state what the tool does and how it differs from similar tools?
The description clearly states it returns Pluggy's transaction category taxonomy (GET /categories), cached for the session. It specifies the verb (returns), resource (transaction category taxonomy), and provides context like caching and structure. It distinguishes from sibling tools like openfinance_list_transactions by focusing on categories alone.
Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.
Does the description explain when to use this tool, when not to, or what alternatives exist?
The description explains that the response includes 'id' (used by openfinance_update_transaction_category) and mentions caching, implying efficient retrieval. It does not explicitly state when to use vs siblings, but the context clarifies its purpose for category taxonomy and integration with update tool.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
openfinance_list_connectionsARead-onlyIdempotentInspect
Returns the saved bank connections for this install: connector_id, item_id, bank name, and an add_connection_url to link additional banks via the Open Finance widget.
| Name | Required | Description | Default |
|---|---|---|---|
No parameters | |||
Tool Definition Quality
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true and idempotentHint=true. The description adds value by specifying the exact return fields, including the add_connection_url, which is not inferred from annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.
Is the description appropriately sized, front-loaded, and free of redundancy?
Single sentence that is efficient and front-loaded with the main purpose. No unnecessary words.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
Given no output schema, the description explains key returned fields (connector_id, item_id, bank name, add_connection_url). However, it does not mention potential pagination or limits, but for a simple list this is adequate.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
The input schema has zero parameters with 100% coverage, so the description is not required to add parameter details. Baseline score 4 applies.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.
Does the description clearly state what the tool does and how it differs from similar tools?
The description clearly states the tool returns saved bank connections and lists specific fields (connector_id, item_id, bank name, add_connection_url). It distinguishes from siblings like openfinance_list_accounts by focusing on connections.
Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.
Does the description explain when to use this tool, when not to, or what alternatives exist?
No explicit guidance on when to use this tool versus alternatives like openfinance_list_accounts or openfinance_list_transactions. The purpose is straightforward but lacks comparative context.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
openfinance_list_credit_card_billsARead-onlyIdempotentInspect
Returns CLOSED credit card bills for a CREDIT-type account: dueDate, totalAmount, minimumPaymentAmount, allowsInstallments, plus payments[] (id, paymentDate, amount, valueType, paymentMode), payments_count, payments_total, finance charges aggregates, and a derived payment_status per bill. IMPORTANT — Brazilian Open Finance semantics: Pluggy does NOT return a paid/status field. The payment goes into the payments[] of the bill whose CYCLE contains the paymentDate (closing ≈ dueDate − 7d): pre-payment before close stays on the bill being paid; payment between close and due, or after due, lands on the NEXT bill. So payments[] on a bill commonly carries the previous bill's payment, NOT the current one's — do NOT assume this bill was paid just because payments[] is non-empty. Use the derived payment_status (PAID | OPEN | PAST_DUE_UNCONFIRMED | PAST_DUE_UNPAID): a bill is PAID when its OWN payments[] (early pre-payment) or ANY newer bill in the payload contains a payment with amount ≈ this bill's totalAmount (±R$0.50). The MOST RECENT bill that's past-due, with no own pre-payment match, cannot be confirmed via cross-bill (the next cycle hasn't closed yet) — it returns PAST_DUE_UNCONFIRMED. NEVER call such a bill 'vencida' categorically; flag that the payment may have been made between close and due and not yet reflected upstream. The full payment_status_legend is returned alongside the results. OPEN BILL & TOTAL DEBT (standardized, derived — OPT-IN): pass include_open_bill:true to ALSO get open_bill (the current not-yet-closed bill, próxima a vencer) and total_pending_debt (saldo devedor total = all pending installments), BOTH derived from PENDING transactions so they mean the same thing across connectors — use these instead of the CREDIT account's balance, whose meaning VARIES by connector (some report the open-bill partial, others the full installment debt). open_bill = { available, method (cycle_dates|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.
| Name | Required | Description | Default |
|---|---|---|---|
| page | No | ||
| page_size | No | ||
| account_id | Yes | ||
| account_ids | No | ||
| include_open_bill | No |
Tool Definition Quality
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Beyond annotations (readOnlyHint, idempotentHint), description details that only closed bills are returned, payment derivation logic, opt-in for open bill, connector asymmetry, and warning behavior. No contradictions with annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.
Is the description appropriately sized, front-loaded, and free of redundancy?
The description is long but well-structured, front-loading core purpose and then detailing complex semantics. Nearly every sentence adds necessary domain context, though it could be slightly tighter.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
Given the complexity, no output schema, and low schema coverage, the description is remarkably complete. It explains derived fields, payment rules, opt-in behavior, connector limitations, and cross-references to other tools.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
Schema coverage is 0%, but the description vividly explains include_open_bill and mentions account_ids for bulk. However, page and page_size are not described, and account_id is only implied. The description adds value for some parameters but omits common pagination ones.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.
Does the description clearly state what the tool does and how it differs from similar tools?
The description clearly states the tool returns closed credit card bills for CREDIT accounts, lists key fields, and distinguishes itself from the sibling openfinance_list_transactions by specifying it provides bill-level summaries, not individual transactions.
Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.
Does the description explain when to use this tool, when not to, or what alternatives exist?
Extensive guidance provided: when to use include_open_bill, how to interpret payment_status, connector asymmetry, and warnings not to assume payment from payments[]. Also explicitly references sibling tool for itemized transactions.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
openfinance_list_investmentsARead-onlyIdempotentInspect
Returns the investment portfolio for a connection (broker or bank with INVESTMENTS product enabled): FIIs, stocks, ETFs, fixed income (CDB/LCI/LCA/Tesouro), mutual funds, retirement (previdência) and COE. Each row carries balance, amount, amountOriginal, amountProfit, lastMonthRate / annualRate / lastTwelveMonthsRate (when available), dueDate, issuer, ISIN, etc. Returns { total:0, results:[], warning } instead of throwing when INVESTMENTS isn't enabled (403) or other upstream errors.
| Name | Required | Description | Default |
|---|---|---|---|
| item | No | ||
| page | No | ||
| type | No | ||
| page_size | No |
Tool Definition Quality
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already indicate readOnly and idempotent. Description adds that it returns a warning object on 403 errors, disclosing upstream error handling behavior. No contradictions with annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.
Is the description appropriately sized, front-loaded, and free of redundancy?
Description is concise and front-loaded with the core purpose and asset types. It packs useful details about returned fields without excessive verbosity. Could be slightly restructured for readability.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
Given the complexity of investment portfolios and no output schema, the description details return fields well but omits parameter guidance. Pagination via page/page_size is implied but not explained. Incomplete for full agent decision-making.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
Input schema has 4 parameters with 0% description coverage. Description does not explain 'item', 'page', 'type', or 'page_size' at all. Schema coverage is low, and description fails to compensate, leaving parameter semantics undefined.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.
Does the description clearly state what the tool does and how it differs from similar tools?
Description clearly states the tool returns investment portfolio for a connection, listing specific asset types (FIIs, stocks, ETFs, etc.). This distinguishes it from sibling tools like openfinance_list_accounts or 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.
Does the description explain when to use this tool, when not to, or what alternatives exist?
Description specifies the tool is for connections with INVESTMENTS enabled and explains the error handling (returns a warning instead of throwing). It implies when to use but does not explicitly mention alternatives or when not to use.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
openfinance_list_investment_transactionsARead-onlyIdempotentInspect
Returns the movement history for a specific investment position: BUY / SELL / TAX / INTEREST / AMORTIZATION / TRANSFER. Each row carries quantity, value, amount, netAmount, agreedRate (treasury), brokerageNumber, and itemized expenses (brokerageFee, incomeTax, settlementFee, custodyFee, stockExchangeFee, etc.). Use after openfinance_list_investments to get the investment_id.
Bulk support: accepts investment_ids for batched execution.
| Name | Required | Description | Default |
|---|---|---|---|
| page | No | ||
| page_size | No | ||
| investment_id | Yes | ||
| investment_ids | No |
Tool Definition Quality
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, destructiveHint=false, and idempotentHint=true. The description adds value by detailing the returned fields (quantity, value, netAmount, expenses breakdown) and the types of movements, which enriches 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.
Is the description appropriately sized, front-loaded, and free of redundancy?
The description is concise with two focused paragraphs. The first explains the output, the second covers bulk support. Every sentence adds value with no redundancy, and the key usage hint is front-loaded.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
Given 4 parameters and no output schema, the description is adequate but incomplete. It explains return fields and usage sequence, but omits pagination behavior (page, page_size), default values, or parameter format constraints.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
Schema description coverage is 0%, so the description must compensate. It explains the role of investment_id and investment_ids (bulk), but does not describe page and page_size parameters, leaving gaps. Thus it adds some meaning but not complete coverage.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.
Does the description clearly state what the tool does and how it differs from similar tools?
The description clearly states the tool returns movement history for a specific investment position, listing transaction types like BUY/SELL/TAX/INTEREST/AMORTIZATION/TRANSFER. It distinguishes itself from the sibling tool openfinance_list_investments by instructing to use that tool first to obtain 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.
Does the description explain when to use this tool, when not to, or what alternatives exist?
The description provides clear usage context: 'Use after openfinance_list_investments to get the investment_id' and mentions bulk support. However, it does not explicitly state when not to use this tool or compare to other siblings beyond the one referenced.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
openfinance_list_loansARead-onlyIdempotentInspect
Lists loan contracts per bank connection (GET /loans). Pass items as an array of connection selectors (item_id uuid, connector_id, or connector_name) — one entry per connection to fetch; multiple connections are queried sequentially with rate-limit spacing. OMIT items to list loans across ALL linked banks. Returns { results, errors } per connection.
| Name | Required | Description | Default |
|---|---|---|---|
| items | No |
Tool Definition Quality
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, and destructiveHint. The description adds that queries are sequential with rate-limit spacing and returns a structured result per connection. It does not disclose potential pitfalls like authentication requirements.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.
Is the description appropriately sized, front-loaded, and free of redundancy?
The description consists of three concise sentences that deliver all necessary information without redundancy. Every sentence adds value.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
Given the simple input schema (one optional parameter, no enums, no output schema), the description covers the tool's behavior, parameter usage, and return format completely.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
With 0% schema description coverage, the description fully explains the 'items' parameter: it accepts connection selectors (item_id, connector_id, or connector_name) and its omission lists all banks. This adds significant meaning beyond the schema.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.
Does the description clearly state what the tool does and how it differs from similar tools?
The description clearly states the tool lists loan contracts per bank connection, specifies the endpoint (GET /loans), and distinguishes from sibling tools by focusing on loans.
Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.
Does the description explain when to use this tool, when not to, or what alternatives exist?
The description explains when to use the 'items' parameter (for specific connections) and when to omit it (for all banks). It also mentions rate-limit spacing for multiple connections. However, it does not explicitly state when not to use this tool or list alternatives.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
openfinance_list_transactionsARead-onlyIdempotentInspect
Returns transactions for a bank account (BANK or CREDIT type). For CREDIT (credit card) accounts, this is the ONLY way to get itemized transactions (purchases, subscriptions, etc.) — each credit card transaction 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.
| Name | Required | Description | Default |
|---|---|---|---|
| to | No | ||
| from | No | ||
| page | No | ||
| detail | No | ||
| page_size | No | ||
| account_id | Yes | ||
| account_ids | No | ||
| search_queries | No |
Tool Definition Quality
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
The description discloses pagination auto-pagination with a 5000 ceiling and truncation warning, detail levels (compact/rich/raw) with token trade-offs, error handling returning {total:0} instead of throwing, and connector-dependent behavior for CREDIT pending/posted. Annotations already confirm non-destructive and idempotent, and description adds valuable 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.
Is the description appropriately sized, front-loaded, and free of redundancy?
The description is well-structured, starting with core purpose and then detailing pagination, parameters, and edge cases. However, it is verbose with some redundancy (e.g., pagination explained in two places). A more concise version could improve readability while retaining completeness.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
Given the tool's complexity (8 parameters, no output schema, account type nuances), the description covers all required aspects: parameter semantics, behavioral traits, error handling, integration with sibling tools, and enrichment options. No gaps remain for an agent to misinterpret usage.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
With 0% schema coverage, the description fully explains all 8 parameters: account_id required, from/to as ISO dates, page/page_size for manual vs auto-pagination, detail enum with field descriptions, search_queries for substring OR matching and aggregation limit, and bulk account_ids. Each parameter's behavior and usage are thoroughly described.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.
Does the description clearly state what the tool does and how it differs from similar tools?
The description clearly states the tool returns transactions for bank accounts, specifying BANK or CREDIT types. It explicitly distinguishes CREDIT accounts for itemized transactions and contrasts with openfinance_list_credit_card_bills for standardized bill totals, making the purpose unambiguous.
Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.
Does the description explain when to use this tool, when not to, or what alternatives exist?
The description provides explicit guidance: use for transactions, especially itemized credit card transactions; for bill totals use list_credit_card_bills; for statement dates use list_accounts; and for credit card sync issues use get_item_status. It also outlines when to narrow date ranges with search_queries.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
openfinance_list_transactions_by_itemARead-onlyIdempotentInspect
Consolidated cash-flow analysis for a whole bank CONNECTION over a period, in ONE call. Resolves the connection's accounts internally and fans out their transactions, so you do NOT need to call openfinance_list_accounts first nor carry account_id uuids between calls. Pass item (connector_id, connector_name or item_id) to target one bank, or OMIT it to analyze ALL linked banks at once. from/to are ISO dates (YYYY-MM-DD). Default granularity:'monthly' returns a COMPACT summary (no raw rows): total entradas, saídas, saldo_liquido, monthly evolution (por_mes), and top_despesas/top_recebimentos (largest N each), plus a per-account breakdown (by_account). Use this for 'análise anual/mensal', 'fluxo de caixa', 'entradas e saídas', 'maiores gastos/recebimentos'. Set granularity:'raw' to ALSO get every consolidated transaction (heavier — only when itemized rows are needed); combine with detail:'rich' to enrich those rows with merchantInfo (cnpj/cnae/businessName/category) + extra creditCardMetadata (billId, purchaseDate, fees), or detail:'raw' for the full untouched Pluggy object per row, when the connector provides them. type filters BANK or CREDIT accounts. On a connection with many transactions the scan caps at 5000/account and flags truncated:true.
| Name | Required | Description | Default |
|---|---|---|---|
| to | No | ||
| from | No | ||
| item | No | ||
| type | No | ||
| top_n | No | ||
| detail | No | ||
| granularity | No |
Tool Definition Quality
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Beyond annotations (readOnlyHint, idempotentHint, destructiveHint false), the description adds important behavioral details: internal fan-out of accounts, truncation cap at 5000/account with truncated flag, behavior when item is omitted, and compact vs raw return structure. No contradiction with annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.
Is the description appropriately sized, front-loaded, and free of redundancy?
The description is relatively concise given the amount of information. Each sentence adds value and is front-loaded with the core purpose. Could be slightly shorter, but efficient for the complexity.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
Given 7 parameters, 0% schema coverage, and no output schema, the description covers use cases, parameter meanings, behavior (truncation, internal fan-out), and return structure (compact summary fields). Almost complete, though output schema would further help.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
Despite 0% schema description coverage, the description explains most parameters: item (connector_id/name/item_id or omitted), from/to as ISO dates, granularity (monthly/raw), detail (compact/rich/raw), type (BANK/CREDIT), and implicit top_n through 'largest N'. Adds meaning beyond schema enums and types.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.
Does the description clearly state what the tool does and how it differs from similar tools?
Clearly states it provides consolidated cash-flow analysis for a whole bank connection in one call, resolving accounts internally. Distinguishes from sibling tools like openfinance_list_accounts and openfinance_list_transactions by eliminating the need to call them separately. Lists specific use cases like anual/mensal analysis, fluxo de caixa, etc.
Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.
Does the description explain when to use this tool, when not to, or what alternatives exist?
Explicitly says when to use (for consolidated analysis without separate account listing) and when to use different granularity/detail options. Mentions that omitting item analyzes all linked banks. Could be improved by explicitly contrasting with sibling tools like openfinance_list_transactions, but provides clear guidance.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
openfinance_provider_statusARead-onlyIdempotentInspect
Checks the LIVE operational status of the Open Finance provider (its public status page) — this is the PROVIDER's health, separate from your own connection's openfinance_get_item_status. Use it whenever data looks incomplete or stale even though a connection shows UPDATED (accounts/transactions/balances missing, a bank not returning everything): it reveals an upstream outage or a known incident on a specific bank/connector, so you can tell a provider-side problem apart from a connection that just needs reconnecting. Returns the global indicator (none/minor/major/critical), degraded components, open incidents, and — when you have banks connected — flags the incidents that affect YOUR connected banks in your_banks_affected.
| Name | Required | Description | Default |
|---|---|---|---|
No parameters | |||
Tool Definition Quality
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, destructiveHint. Description adds detailed behavioral context (checks provider's health, returns incidents, flags affected banks), which is valuable beyond annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.
Is the description appropriately sized, front-loaded, and free of redundancy?
Description is well-structured with front-loaded purpose. Each sentence adds value, though slightly lengthy; still concise for the detail provided.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
Despite no output schema, description explains return contents (global indicator, degraded components, incidents, affected banks). Complete for a zero-parameter tool.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
No parameters, so schema coverage is 100%. Description doesn't need to add param info, but it provides ample context about what the tool does without parameters.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.
Does the description clearly state what the tool does and how it differs from similar tools?
Clearly states it checks the LIVE operational status of the Open Finance provider, distinguishing from sibling tool openfinance_get_item_status which checks connection status. Includes specific use cases.
Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.
Does the description explain when to use this tool, when not to, or what alternatives exist?
Explicitly says when to use (data incomplete/stale despite updated connection) and contrasts with alternative tool. Provides actionable guidance.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
openfinance_search_bank_connectorsARead-onlyIdempotentInspect
Searches the available bank connectors by name (pass keywords[], e.g. ['nubank','btg']) and returns, per match: the connector id, whether it's Open Finance or API (access), PF/PJ (audience), the user's already-linked connections (and accounts when include_accounts=true), and a ready connect_url with the bank pre-selected. Some non-Open-Finance credential connectors carry a caveat warning that they don't auto-update (needs periodic manual reconnection) — surface it so the user can prefer the institution's Open Finance connector for automation. Honors the user's plan (a PF plan hides PJ banks). Call this BEFORE connecting to hand the user a one-click link to the right bank. keywords[] is REQUIRED — without it returns a hint (never dumps the whole catalog).
| Name | Required | Description | Default |
|---|---|---|---|
| keywords | No | ||
| include_accounts | No |
Tool Definition Quality
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already indicate read-only, idempotent, non-destructive. The description adds that keywords[] is required, returns a hint if empty, and never dumps the full catalog. Also mentions plan-based filtering and caveat warning, providing useful 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.
Is the description appropriately sized, front-loaded, and free of redundancy?
The description is a single paragraph that is front-loaded with the main action and returns. It is somewhat long but each sentence adds value. Could be tightened slightly.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
No output schema, but the description lists the return fields (connector id, access, audience, links, connect_url). Also covers edge cases like non-Open-Finance caveats and plan filtering. Complete for a search tool.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
Schema description coverage is 0%, so the description must compensate. It explains keywords[] with examples and states it's required, and explains include_accounts triggers account retrieval. This adds significant meaning beyond the raw schema.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.
Does the description clearly state what the tool does and how it differs from similar tools?
The description uses a specific verb ('Searches') and resource ('available bank connectors') and clearly distinguishes it from sibling tools like 'connect' or 'authenticate' by stating it's the step before connecting. It lists what it returns and its role.
Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.
Does the description explain when to use this tool, when not to, or what alternatives exist?
Explicitly says 'Call this BEFORE connecting' and explains when to surface caveats. It doesn't explicitly state when not to use, but the context implies it's the default first step.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
openfinance_update_transaction_categoryAInspect
Corrects the category of one or more transactions (PATCH /transactions/:id). Pass items as an array of { transaction_id, category_id } — transaction_id comes from openfinance_list_transactions, category_id from openfinance_list_categories. This overrides Pluggy's automatic categorization AND teaches Pluggy: recategorizing a transaction automatically creates a Category Rule for this client (case-insensitive exact match on the transaction's data), so FUTURE similar transactions are categorized the same way — use this to fix miscategorized transactions and improve categorization accuracy going forward. Batch shape: returns { updated, results: [{ transaction_id, category, categoryId }], errors: [{ id, status, message }] } — per-item errors do not fail the whole batch.
| Name | Required | Description | Default |
|---|---|---|---|
| items | Yes |
Tool Definition Quality
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Discloses beyond annotations: overrides automatic categorization, teaches Pluggy by creating a Category Rule, batch behavior with per-item errors (does not fail whole batch), and response shape. No contradiction with annotations (readOnlyHint=false is consistent with write operation).
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.
Is the description appropriately sized, front-loaded, and free of redundancy?
Single paragraph, dense but clear, front-loaded with purpose. Could be slightly more structured (e.g., separate side effects), but 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.
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
Complete for a batch update tool with one parameter and no output schema: explains input structure, source of IDs, side effects, response shape, and error handling. No gaps for an AI agent to use correctly.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
Schema has 0% description coverage; description fully compensates by specifying items as array of { transaction_id, category_id }, explaining where to get each ID (from other tools), and detailing batch response format including errors.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.
Does the description clearly state what the tool does and how it differs from similar tools?
Explicitly states it corrects the category of one or more transactions (PATCH /transactions/:id). Distinguishes from sibling tools by explaining its unique function and side effect of creating a Category Rule, and references where input IDs come from (openfinance_list_transactions, openfinance_list_categories).
Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.
Does the description explain when to use this tool, when not to, or what alternatives exist?
Clear context: use to fix miscategorized transactions and improve categorization accuracy. Describes side effect (future similar transactions categorized same way). No explicit when-not or alternatives, but implied by the tool's purpose and error handling description.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
report_bugAIdempotentInspect
Report a bug, missing feature, or send feedback. Include the conversation array with recent messages for reproduction.
| Name | Required | Description | Default |
|---|---|---|---|
| context | No | ||
| message | Yes | ||
| conversation | No | [] |
Tool Definition Quality
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations provide idempotentHint and destructiveHint, but the description adds no extra behavioral context beyond the core action. It doesn't discuss side effects or outcomes.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.
Is the description appropriately sized, front-loaded, and free of redundancy?
Two efficient sentences, no redundancy. The purpose is stated first, followed by a practical usage tip.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
For a simple bug report tool, the description covers purpose and key usage hint. Lacks details on return values, but no output schema exists. Could elaborate on other parameters.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
The description adds meaning to the 'conversation' parameter by mentioning it for reproduction, but does not explain 'context' or 'message' beyond their schema types. With 0% schema coverage, partial compensation is provided.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.
Does the description clearly state what the tool does and how it differs from similar tools?
Description clearly states the tool reports bugs, missing features, or feedback. It uses a specific verb and resource and distinguishes from sibling tools that focus on Open Finance operations or system info.
Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.
Does the description explain when to use this tool, when not to, or what alternatives exist?
Explicitly advises to include the conversation array for reproduction, providing clear context for use. No direct comparison to alternatives, but siblings are unrelated.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
show_versionARead-onlyIdempotentInspect
Show the current MCP platform and adapter versions.
| Name | Required | Description | Default |
|---|---|---|---|
No parameters | |||
Tool Definition Quality
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, and destructiveHint, covering safety and idempotency. The description adds that it returns version details for platform and adapter, providing concrete behavioral insight beyond annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.
Is the description appropriately sized, front-loaded, and free of redundancy?
The description is a single sentence that is concise and front-loaded with the key action. Every word is necessary; no wasted text.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
Given no parameters and no output schema, the description adequately covers what the tool does. It could optionally specify the output format (e.g., 'returns an object'), but the current description is sufficient for a simple version tool.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
There are zero parameters, so the baseline is 4. The description does not need to explain parameters, and the schema already covers all cases. No additional parameter information is required.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.
Does the description clearly state what the tool does and how it differs from similar tools?
The description clearly states the tool shows 'current MCP platform and adapter versions', using a specific verb and resource. It distinguishes from siblings, which are primarily finance-related or authentication, and no other tool covers version info.
Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.
Does the description explain when to use this tool, when not to, or what alternatives exist?
The description does not provide explicit guidance on when to use or alternatives. However, the tool is simple and standalone; usage is self-evident. A higher score would require stating contexts like 'use to check system compatibility'.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
toolkit_infoARead-onlyIdempotentInspect
Returns the current toolkit state: installed MCPs, their connection status, and how many catalog tools each exposes.
| Name | Required | Description | Default |
|---|---|---|---|
No parameters | |||
Tool Definition Quality
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint and destructiveHint. The description adds value by specifying the exact return content (installed MCPs, connection status, catalog tool counts), 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.
Is the description appropriately sized, front-loaded, and free of redundancy?
The description is a single, well-structured sentence that front-loads the purpose and packs essential detail without waste.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
For a simple read-only tool with no parameters, the description fully explains the return value. Annotations cover behavioral traits. No output schema is needed. Everything is complete.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
The tool has zero parameters and schema coverage is 100%. With no parameters to describe, the baseline is 4, and the description adds no unnecessary parameter info.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.
Does the description clearly state what the tool does and how it differs from similar tools?
The description clearly states the verb 'Returns', the resource 'current toolkit state', and specifies the exact data included: installed MCPs, connection status, and catalog tool counts. This distinguishes it from any sibling tool.
Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.
Does the description explain when to use this tool, when not to, or what alternatives exist?
The description implies the tool is for inspecting the toolkit state but does not explicitly state when to use it versus alternatives or mention any prerequisites. However, the sibling context shows no overlapping tools, so usage is reasonably clear.
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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{
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"maintainers": [{ "email": "your-email@example.com" }]
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