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openfinance_list_accounts

Read-onlyIdempotent

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

Bulk support: accepts item_ids for batched execution.

Input Schema

TableJSON Schema
NameRequiredDescriptionDefault
itemNo
typeNo
item_idNo
item_idsNo

TDQS

A4.5/5.0
Behavior5/5

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

Annotations already mark this as read-only and idempotent, so the safety profile is covered. The description adds substantial behavioral nuance: connector-dependent credit `balance` semantics, `balance_notice` meaning, stale `bankData` fields after connection creation, provider-incident unreliability, and identity/dedupe caveats for joint accounts. This far exceeds the annotation-only baseline.

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 nearly every sentence contributes operational value: field meaning, cross-tool routing, caveats, and bulk behavior. It is front-loaded with the core purpose and then layers important warnings. It is dense and could be tightened, but it avoids redundancy and fluff.

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 tool with no output schema and complex credit/incident/identity edge cases, the description is unusually thorough. It explains return fields, caveats, and when to use alternatives. The main missing pieces are explicit semantics for `type` and `item_id`, which keep it from being fully complete.

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

Parameters3/5

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

With 0% schema description coverage, the description must carry parameter meaning. It does well for `item` (omit vs pass) and `item_ids` (bulk support), but it never explicitly explains the `type` parameter as a filter, and `item_id` is not mentioned. The meaning of BANK/CREDIT is present in the return description but not mapped to the parameter. This is a meaningful gap given 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?

States a specific action and resource: 'Returns accounts for a bank connection' with explicit account categories (BANK/CREDIT) and field names. It clearly separates this tool from nearby siblings like openfinance_list_credit_card_bills and openfinance_get_accounts_detail by describing exactly what it returns.

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 when-to-use guidance: omit `item` to list across all banks, pass `item` to target a single bank, and use openfinance_list_credit_card_bills instead for standardized open-bill amounts. It also explains when force sync is relevant and warns against misinterpreting certain fields.

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

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TDQS

A3.9/5.0
Disambiguation3/5

Most openfinance_* tools target distinct resource/action pairs, but there is real overlap among list_accounts, get_accounts_detail, and get_account_balance, as well as between list_transactions and list_transactions_by_item, and between get_credit_card_bill and list_credit_card_bills. The descriptions are detailed enough to usually resolve ambiguity, but the number of near-overlapping read/status tools makes mis-selection plausible.

Naming Consistency4/5

The 21 openfinance_* tools follow a clear openfinance_<verb>_<noun> convention with predictable verbs like list, get, update, force, disconnect, and search. The non-prefixed platform tools (authenticate, connect, marketlace, report_bug, show_version, toolkit_info) break the pattern but are few enough to keep the naming mostly coherent.

Tool Count3/5

25 tools is at the heavy end for the stated banking domain, and several could reasonably be merged: get_account_balance/get_accounts_detail/list_accounts and list_transactions/list_transactions_by_item overlap in purpose. The breadth of resources covered accounts, cards, loans, investments, connections, and provider health helps justify the count, but it still feels slightly bloated.

Completeness5/5

The Open Finance workflow is thoroughly covered: connect discover, force sync, status checks, accounts, balances, transactions, credit-card bills, loans, investments, category correction, disconnection, and provider health. Edge cases like stale data, consent errors, provider incidents, and cross-connector asymmetries are explicitly handled, leaving no obvious dead ends for an agent.