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Scored across 8 tools
Each tool targets a distinct stage of the workflow: detection, conversion, validation, bank-statement import, composition, and account resizing, with billing utilities clearly separate. There is minor overlap between convert_journal (auto-detects source) and detect_format, and between convert_journal and build_journal, but descriptions make the boundaries clear.
Seven of eight tools follow a clear verb_noun snake_case pattern (convert_journal, validate_journal, bank_to_journal, detect_format, build_journal, resize_account). The two exceptions, pricing and credits_balance, are noun-only but are clearly non-domain utility tools, so consistency remains readable.
Eight tools is well-scoped for a journal-conversion server, with each domain tool earning its place. Two of the eight are billing/licensing utilities rather than accounting operations, which is slightly over-inclusive but reasonable.
The surface covers the full lifecycle: detect format, convert between formats, validate before import, build journals from scratch, and handle bank statements, plus account resizing. A dedicated parse/read tool returning full structured entries (rather than the first 50 via validate) is a minor gap agents can work around via csv output.