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openfinance_get_account_balance

Read-onlyIdempotent

Returns the latest available balance per account id (GET /accounts/:id/balance). This is the freshest balance the provider can serve, but it is a SNAPSHOT anchored to the connection's last upstream sync: the updateDateTime/updatedAt in each row is that sync instant, NOT a to-the-second live read. If a movement that just happened is not reflected yet, or the balance disagrees with the sum of openfinance_list_transactions, run openfinance_force_sync to pull fresh data and then re-read. Pass account_ids as an array (1–50). CREDIT accounts may return Pluggy BALANCE_FETCH_ERROR (provider could not fetch it) or BALANCE_CONSENT_ERROR (the institution refused it because the consent lacks the balance permission — reconnecting the bank restores it) — those rows include a structured warning instead of throwing. When the financial institution is temporarily unavailable upstream (5xx) or the connector is not Open Finance, the row DEGRADES to the last-synced balance with realtime: false, updatedAt and a warning instead of an error. Response shape: { results: [...], errors: [{ id, status, message }] }.

Input Schema

TableJSON Schema
NameRequiredDescriptionDefault
account_idsYes

Schema Changelog

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

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TDQS

A4.9/5.0
Behavior5/5

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

The description goes far beyond the readOnly/idempotent/destructive annotations by disclosing snapshot semantics, sync anchoring, warning-vs-error behavior, degradation on upstream 5xx or non-Open Finance connectors, and the response envelope. No contradiction with annotations exists.

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

Conciseness4/5

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

Long but information-dense and well-structured: operation, freshness caveat, recovery path, parameter rule, credit errors, degradation behavior, response shape. Every section earns its place, though a slightly tighter wording could improve readability.

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?

With no output schema, the description still explains the response shape and error/degradation behavior. It covers normal results, credit-specific errors, consent failures, upstream 5xx, non-Open Finance connectors, and the warning field, making the tool callable without missing information.

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

Parameters5/5

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

Schema description coverage is 0%, so the description carries the full burden. It compensates by specifying that account_ids must be an array and by adding the 1–50 item limit. That is sufficient for correct invocation.

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 verb and resource: 'Returns the latest available balance per account id' and names the exact endpoint. It also distinguishes itself from related operations by contrasting with stale data and openfinance_list_transactions, so an agent can tell what this tool uniquely does.

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

Usage Guidelines5/5

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

Explicitly tells the agent when to use openfinance_force_sync and re-read if the balance is stale or disagrees with transactions. It also gives recovery guidance for consent errors, naming the alternative action. This is strong conditional routing guidance.

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 resources and actions, but several overlap in purpose: list_transactions vs list_transactions_by_item, get_credit_card_bill vs list_credit_card_bills, and multiple connection/status tools expose reconnect URLs. The long descriptions help, but the boundaries are not always immediately obvious.

Naming Consistency4/5

The openfinance_* tools follow a consistent list_/get_ verb_noun pattern and share a clear prefix. The smaller platform cluster is less consistent — marketplace, connect, authenticate, show_version, toolkit_info — mixing nouns, bare verbs, and snake_case, but it is a minor deviation overall.

Tool Count3/5

At 25 tools, this sits at the heavy end of acceptable. The Open Finance surface is broad enough to justify many of them, but there is redundancy (e.g. list_transactions_by_item largely wraps list_transactions plus account resolution) and a separate platform-management cluster that makes the set feel sprawling.

Completeness4/5

The Open Finance domain is well covered: connection lifecycle, accounts, balances, transactions, credit-card bills, loans, investments, categories, and provider status are all present, and data flows connect properly between tools. Minor gaps exist, such as no single-transaction fetch or dedicated prompt-management tools, but the marketplace tool fills those roles.