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RecargaPay MCP

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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

Schema Changelog

Changes observed during successful MCP inspections. Dates show when Glama detected each change.

  1. Added
  2. Removed
  3. Added
  4. Removed
  5. Added
  6. Removed
  7. Changed2 schema fields changed
    • addedInput schema / properties / item_id
      Added value: +{
+  "type": "string"
+}
    • addedInput schema / properties / item_ids
      Added value: +{
+  "items": {
+    "type": "string"
+  },
+  "type": "array"
+}
  8. Added
  9. Removed
  10. First observed

TDQS

A4.8/5.0
Behavior5/5

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

Annotations already indicate readOnlyHint=true, idempotentHint=true, and destructiveHint=false. The description goes far beyond this by detailing nuanced behaviors: credit card balance meaning varies by connector, `balance_notice` indicates a zero balance that may be misleading, `bankData.closingBalance` can lag after connection creation, `provider_incident` signals unreliable balances, and `identity_notice` explains consent-holder attribution for deduplication. These disclosures are consistent with the read-only nature and add significant safety guidance for agents.

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

Conciseness4/5

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

The description is dense and long, but every section adds necessary operational detail. It is logically structured—starting with core return fields, then usage variations, then niche edge cases like balance_notice and provider_incident, followed by bulk support. While it is lengthy, the information density justifies the length; it could be trimmed slightly, but the structure is front-loaded and coherent, earning a 4.

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

Completeness5/5

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

Given the tool’s complexity (list accounts across multiple connections, handle credit card nuances, provider incidents, identity notices, bulk operations), the description covers all major aspects an agent needs to call it correctly. It explains the return fields, the meaning of each, caveats about balance semantics, and fallback alternatives. With no output schema, the description compensates by stating what fields appear and their interpretation. Nothing critical is missing for correct invocation.

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

Parameters4/5

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

With 0% schema description coverage, the description carries the full burden of parameter explanation. It explains `item` (omit for all banks, pass for a single bank), `item_ids` for bulk execution, and `type` as a BANK/CREDIT filter. However, `item_id` (singular) is not explicitly described separately, leaving ambiguity about its relationship to `item`. Overall, the parameter guidance is strong but not exhaustive, so a 4 is warranted.

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

Purpose5/5

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

The description opens with a precise statement of what the tool does: it returns accounts for bank connections, listing both BANK and CREDIT types with specific fields (balance, number, type, subtype, bankData, creditData). It further clarifies additional fields like `bank`, `connector_id`, and the distinction between `name` (legal entity) and `bank` (brand). This clearly differentiates it from siblings such as openfinance_get_accounts_detail and openfinance_list_credit_card_bills by emphasizing the list-oriented aggregation and cross-connection behavior.

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

Usage Guidelines5/5

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

The description provides explicit usage guidance: it tells agents to omit `item` to aggregate across all banks and pass `item` to target a single bank. It also directs users to openfinance_list_credit_card_bills for a standardized open-bill amount and total debt, and mentions openfinance_force_sync for reconciling stale values. These explicit when-to-use and when-not-to-use instructions make the tool's role among siblings unambiguous.

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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