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Increase MCP by usefulapi

by io.usefulapi

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Server Details

Read-only Increase banking observability plus one safe non-money-moving write, for AI agents.

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Status: Healthy
Uptime: 81.0% over 54 days
Last Tested: 2026-10-10 17:58
Transport: Streamable HTTP · MCP 2025-06-18
URL
Repository: m190/usefulapi-mcp
GitHub Stars: 0

TDQS

A3.9/5.0

Scored 2026-09-10 22:53 across 18 tools

Disambiguation5/5

Each tool targets a distinct resource and action, e.g., get_account vs. list_accounts vs. list_account_numbers, and settled/pending/declined transactions are clearly separated. The descriptions further clarify any potential overlap, such as read-only transfer listings.

Naming Consistency5/5

All tools follow the same convention: increase_<verb>_<resource>, with verbs limited to get, list, create, and lookup. The naming is uniform and predictable, with only lookup_routing_number being a minor deviation from get_, but still consistent in style.

Tool Count4/5

At 18 tools, the count is slightly above the typical 3-15 range, but each tool maps to a distinct Increase API endpoint and resource type. The breadth is justified by the many read-only resources (transfers, cards, entities, accounts), though it feels a bit heavy for a mostly observability-focused server.

Completeness3/5

The set provides broad read coverage across accounts, transactions, transfers, cards, entities, and routing numbers, but has notable gaps: get-by-id exists only for a few resources (account, ACH transfer, transaction), while cards, wire transfers, and entities only have list operations. The lone create_external_account mutation is also an odd outlier, leaving no update/delete or account/transfer creation.

Available Tools

18 tools

increase_create_external_accountCreate external account

Destructive

Registers an external (counterparty) bank account in Increase for future transfers. This creates a record only — it MOVES NO MONEY. Increase API: POST /external_accounts.

ParametersJSON Schema

Name	Required	Description	Default
`funding`	No	The type of the destination account. Default checking.
`description`	Yes	A human-readable description/name for this external account.
`account_holder`	No	The type of entity that owns the external account.
`account_number`	Yes	The counterparty's account number.
`routing_number`	Yes	The counterparty's 9-digit ABA routing number.

increase_get_accountGet account

Read-only

Retrieve a single bank account by id. Increase API: GET /accounts/{account_id}.

ParametersJSON Schema

Name	Required	Description	Default
`account_id`	Yes	Account id (e.g. account_...).

increase_get_account_balanceGet account balance

Read-only

Retrieve an account's current and available balance. Increase API: GET /accounts/{account_id}/balance. Optionally as of a point in time.

ParametersJSON Schema

Name	Required	Description	Default
`at_time`	No	ISO 8601 timestamp to get the balance as of that moment (query param at_time).
`account_id`	Yes	Account id (e.g. account_...).

increase_get_ach_transferGet ACH transfer

Read-only

Retrieve a single ACH transfer by id. Increase API: GET /ach_transfers/{ach_transfer_id}.

ParametersJSON Schema

Name	Required	Description	Default
`ach_transfer_id`	Yes	ACH transfer id (e.g. ach_transfer_...).

increase_get_transactionGet transaction

Read-only

Retrieve a single transaction by id. Increase API: GET /transactions/{transaction_id}.

ParametersJSON Schema

Name	Required	Description	Default
`transaction_id`	Yes	Transaction id (e.g. transaction_...).

increase_list_account_numbersList account numbers

Read-only

List account numbers (deposit routing/account number pairs). Increase API: GET /account_numbers. Filter by account and status (sent as status.in).

ParametersJSON Schema

Name	Required	Description	Default
`limit`	No	Page size, 1–100. Default 100.
`cursor`	No	Opaque pagination cursor from a previous response's next_cursor.
`status`	No	Status filter (sent as status.in), e.g. active \| disabled \| canceled.
`account_id`	No	Only account numbers for this account id.

increase_list_accountsList accounts

Read-only

List bank accounts. Increase API: GET /accounts. Filter by entity and status (sent as status.in).

ParametersJSON Schema

Name	Required	Description	Default
`limit`	No	Page size, 1–100. Default 100.
`cursor`	No	Opaque pagination cursor from a previous response's next_cursor.
`status`	No	Account status filter (sent as status.in), e.g. open \| closed.
`entity_id`	No	Only accounts belonging to this entity id.

increase_list_ach_transfersList ACH transfers

Read-only

List ACH transfers (read-only observability; this server does NOT create transfers). Increase API: GET /ach_transfers. Filter by account and status (sent as status.in).

ParametersJSON Schema

Name	Required	Description	Default
`limit`	No	Page size, 1–100. Default 100.
`cursor`	No	Opaque pagination cursor from a previous response's next_cursor.
`status`	No	Status filter (sent as status.in), e.g. pending_submission \| submitted \| returned.
`account_id`	No	Only ACH transfers for this account id.

increase_list_cardsList cards

Read-only

List cards. Increase API: GET /cards. Filter by account and status (sent as status.in). Read-only; no card actions are exposed.

ParametersJSON Schema

Name	Required	Description	Default
`limit`	No	Page size, 1–100. Default 100.
`cursor`	No	Opaque pagination cursor from a previous response's next_cursor.
`status`	No	Status filter (sent as status.in), e.g. active \| disabled \| canceled.
`account_id`	No	Only cards for this account id.

increase_list_check_transfersList check transfers

Read-only

List check transfers (read-only observability; this server does NOT create transfers). Increase API: GET /check_transfers. Filter by account.

ParametersJSON Schema

Name	Required	Description	Default
`limit`	No	Page size, 1–100. Default 100.
`cursor`	No	Opaque pagination cursor from a previous response's next_cursor.
`account_id`	No	Only check transfers for this account id.

increase_list_declined_transactionsList declined transactions

Read-only

List declined transactions. Increase API: GET /declined_transactions. Filter by account.

ParametersJSON Schema

Name	Required	Description	Default
`limit`	No	Page size, 1–100. Default 100.
`cursor`	No	Opaque pagination cursor from a previous response's next_cursor.
`account_id`	No	Only declined transactions for this account id.

increase_list_entitiesList entities

Read-only

List entities (the people/businesses — KYC records — that own accounts). Increase API: GET /entities. Filter by status (sent as status.in).

ParametersJSON Schema

Name	Required	Description	Default
`limit`	No	Page size, 1–100. Default 100.
`cursor`	No	Opaque pagination cursor from a previous response's next_cursor.
`status`	No	Status filter (sent as status.in), e.g. active \| archived \| disabled.

increase_list_external_accountsList external accounts

Read-only

List external (counterparty) bank accounts registered in Increase. Increase API: GET /external_accounts. Filter by status (sent as status.in).

ParametersJSON Schema

Name	Required	Description	Default
`limit`	No	Page size, 1–100. Default 100.
`cursor`	No	Opaque pagination cursor from a previous response's next_cursor.
`status`	No	Status filter (sent as status.in), e.g. active \| archived.

increase_list_pending_transactionsList pending transactions

Read-only

List pending (not-yet-settled) transactions. Increase API: GET /pending_transactions. Filter by account and status (sent as status.in).

ParametersJSON Schema

Name	Required	Description	Default
`limit`	No	Page size, 1–100. Default 100.
`cursor`	No	Opaque pagination cursor from a previous response's next_cursor.
`status`	No	Status filter (sent as status.in), e.g. pending \| complete.
`account_id`	No	Only pending transactions for this account id.

increase_list_real_time_payments_transfersList Real-Time Payments transfers

Read-only

List Real-Time Payments (RTP) transfers (read-only observability; this server does NOT create transfers). Increase API: GET /real_time_payments_transfers. Filter by account.

ParametersJSON Schema

Name	Required	Description	Default
`limit`	No	Page size, 1–100. Default 100.
`cursor`	No	Opaque pagination cursor from a previous response's next_cursor.
`account_id`	No	Only RTP transfers for this account id.

increase_list_transactionsList transactions

Read-only

List settled transactions. Increase API: GET /transactions. Filter by account, category (sent as category.in), and created date range (created_at.after / created_at.before).

ParametersJSON Schema

Name	Required	Description	Default
`limit`	No	Page size, 1–100. Default 100.
`cursor`	No	Opaque pagination cursor from a previous response's next_cursor.
`category`	No	Transaction category filter (sent as category.in).
`account_id`	No	Only transactions for this account id.
`created_after`	No	ISO 8601 timestamp; only transactions created at/after this (sent as created_at.after).
`created_before`	No	ISO 8601 timestamp; only transactions created before this (sent as created_at.before).

increase_list_wire_transfersList wire transfers

Read-only

List wire transfers (read-only observability; this server does NOT create transfers). Increase API: GET /wire_transfers. Filter by account.

ParametersJSON Schema

Name	Required	Description	Default
`limit`	No	Page size, 1–100. Default 100.
`cursor`	No	Opaque pagination cursor from a previous response's next_cursor.
`account_id`	No	Only wire transfers for this account id.

increase_lookup_routing_numberLook up routing number

Read-only

Look up a 9-digit ABA routing number to see which real-time services (ACH, Real-Time Payments, wire) that bank supports. Increase API: GET /routing_numbers.

ParametersJSON Schema

Name	Required	Description	Default
`limit`	No	Page size, 1–100. Default 100.
`cursor`	No	Opaque pagination cursor from a previous response's next_cursor.
`routing_number`	Yes	9-digit ABA routing number to look up (query param routing_number).

Tool Schema Changelog

Recent tool additions, removals, and schema changes observed during successful MCP inspections.

18 tool updatesOct 9, 2026

Changedincrease_create_external_account1 field changed

changedInput schema / $schema

Previous value: -"http://json-schema.org/draft-07/schema#"New value: +"https://json-schema.org/draft/2020-12/schema"

Changedincrease_get_account1 field changed

changedInput schema / $schema

Previous value: -"http://json-schema.org/draft-07/schema#"New value: +"https://json-schema.org/draft/2020-12/schema"

Changedincrease_get_account_balance1 field changed

changedInput schema / $schema

Previous value: -"http://json-schema.org/draft-07/schema#"New value: +"https://json-schema.org/draft/2020-12/schema"

Changedincrease_get_ach_transfer1 field changed

changedInput schema / $schema

Previous value: -"http://json-schema.org/draft-07/schema#"New value: +"https://json-schema.org/draft/2020-12/schema"

Changedincrease_get_transaction1 field changed

changedInput schema / $schema

Previous value: -"http://json-schema.org/draft-07/schema#"New value: +"https://json-schema.org/draft/2020-12/schema"

Changedincrease_list_account_numbers1 field changed

changedInput schema / $schema

Previous value: -"http://json-schema.org/draft-07/schema#"New value: +"https://json-schema.org/draft/2020-12/schema"

Changedincrease_list_accounts1 field changed

changedInput schema / $schema

Previous value: -"http://json-schema.org/draft-07/schema#"New value: +"https://json-schema.org/draft/2020-12/schema"

Changedincrease_list_ach_transfers1 field changed

changedInput schema / $schema

Previous value: -"http://json-schema.org/draft-07/schema#"New value: +"https://json-schema.org/draft/2020-12/schema"

Changedincrease_list_cards1 field changed

changedInput schema / $schema

Previous value: -"http://json-schema.org/draft-07/schema#"New value: +"https://json-schema.org/draft/2020-12/schema"

Changedincrease_list_check_transfers1 field changed

changedInput schema / $schema

Previous value: -"http://json-schema.org/draft-07/schema#"New value: +"https://json-schema.org/draft/2020-12/schema"

Changedincrease_list_declined_transactions1 field changed

changedInput schema / $schema

Previous value: -"http://json-schema.org/draft-07/schema#"New value: +"https://json-schema.org/draft/2020-12/schema"

Changedincrease_list_entities1 field changed

changedInput schema / $schema

Previous value: -"http://json-schema.org/draft-07/schema#"New value: +"https://json-schema.org/draft/2020-12/schema"

Changedincrease_list_external_accounts1 field changed

changedInput schema / $schema

Previous value: -"http://json-schema.org/draft-07/schema#"New value: +"https://json-schema.org/draft/2020-12/schema"

Changedincrease_list_pending_transactions1 field changed

changedInput schema / $schema

Previous value: -"http://json-schema.org/draft-07/schema#"New value: +"https://json-schema.org/draft/2020-12/schema"

Changedincrease_list_real_time_payments_transfers1 field changed

changedInput schema / $schema

Previous value: -"http://json-schema.org/draft-07/schema#"New value: +"https://json-schema.org/draft/2020-12/schema"

Changedincrease_list_transactions1 field changed

changedInput schema / $schema

Previous value: -"http://json-schema.org/draft-07/schema#"New value: +"https://json-schema.org/draft/2020-12/schema"

Changedincrease_list_wire_transfers1 field changed

changedInput schema / $schema

Previous value: -"http://json-schema.org/draft-07/schema#"New value: +"https://json-schema.org/draft/2020-12/schema"

Changedincrease_lookup_routing_number1 field changed

changedInput schema / $schema

Previous value: -"http://json-schema.org/draft-07/schema#"New value: +"https://json-schema.org/draft/2020-12/schema"

18 tool updatesJul 18, 2026
- First observedincrease_create_external_account
- First observedincrease_get_account
- First observedincrease_get_account_balance
- First observedincrease_get_ach_transfer
- First observedincrease_get_transaction
- First observedincrease_list_account_numbers
- First observedincrease_list_accounts
- First observedincrease_list_ach_transfers
- First observedincrease_list_cards
- First observedincrease_list_check_transfers
- First observedincrease_list_declined_transactions
- First observedincrease_list_entities
- First observedincrease_list_external_accounts
- First observedincrease_list_pending_transactions
- First observedincrease_list_real_time_payments_transfers
- First observedincrease_list_transactions
- First observedincrease_list_wire_transfers
- First observedincrease_lookup_routing_number

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