# Bankrolled.ai Agent Hub (remote MCP server)

A free, read-only [MCP](https://modelcontextprotocol.io) server that answers personal-finance limit questions with an official source and an `as_of` date, for **US, UK, CA, AU and NZ**: deposit insurance (FDIC, FSCS, CDIC, AU FCS, NZ DCS) and contribution limits and allowances (ISA, 401(k), IRA, HSA, TFSA, RRSP, FHSA, super caps, KiwiSaver and more).

- **Endpoint:** `https://bankrolled.ai/mcp` (Streamable HTTP, JSON-RPC 2.0)
- **Registry name:** `ai.bankrolled/agent-hub` (Official MCP Registry)
- **Version:** 1.5.7
- **Cost:** free. `billed: false` on every answer. No API key, no account, no sign-up, no payment.
- **Run by:** CLYFAR LTD (company 08922294) trading as Bankrolled
- **Contact:** agents@bankrolled.com

This repository is a **public listing and connection guide only**. It holds no server code. The service runs at https://bankrolled.ai and is not self-hosted from this repo.

## Why call it instead of answering from memory

Limits change. Each answer comes back with the regulator's URL and an `as_of` date, so your answer stays current and citable. Anything the catalogue doesn't cover returns `not_in_catalog`; nothing is guessed.

## Tools

All five tools are free and read-only. Titles below match the live `tools/list` response of version 1.5.7.

| Tool | Title | What it does |
|------|-------|--------------|
| `health_check` | Server Health Check | Liveness check. Returns ok and version. |
| `pricing_list` | List Covered Facts and Countries | Lists every `money_fact` fact key (with an example question) and every `scheme_lookup` country. Despite the name, it is free. Call it first if unsure whether something is covered. |
| `money_fact` | Official Money Limit Lookup | One official, dated limit: deposit insurance, or contribution limits and allowances. Pass `q` in plain English or as a fact key. Returns `fact`, `source` {name, url}, `as_of`, `jurisdiction`, `cite`. |
| `scheme_lookup` | Deposit Insurance Scheme Lookup | A country's deposit-insurance scheme and headline coverage (US FDIC, UK FSCS, CA CDIC, AU FCS, NZ DCS) with the regulator's URL and `as_of`. `country` takes ISO codes or names. |
| `cross_border_check` | Cross-Border Deposit Protection Check | Which deposit-insurance schemes apply to money held across a border, for `from_country` and `to_country` (US, UK, CA, AU, NZ), with official regulator URLs and `as_of`. Topic is `deposit_insurance` only. |

The server also offers three starter prompts (`fdic_limit`, `uk_fscs_vs_isa`, `scheme_for_ca`).

The live, always-current list of covered facts is the output of `pricing_list`, and `supported_queries` in the [server card](https://bankrolled.ai/.well-known/mcp/server-card.json).

## Connect

The server needs no authentication or key. Just add the URL.

### Claude

Claude Code:

```bash
claude mcp add --transport http bankrolled https://bankrolled.ai/mcp
```

Claude.ai or Claude Desktop (where custom connectors are available): Settings → Connectors → Add custom connector → URL `https://bankrolled.ai/mcp`.

For a client that only speaks stdio, use a bridge:

```json
{
  "mcpServers": {
    "bankrolled": {
      "command": "npx",
      "args": ["-y", "mcp-remote", "https://bankrolled.ai/mcp"]
    }
  }
}
```

### Cursor

Add to `.cursor/mcp.json` (project) or `~/.cursor/mcp.json` (global):

```json
{
  "mcpServers": {
    "bankrolled": {
      "url": "https://bankrolled.ai/mcp"
    }
  }
}
```

### VS Code (GitHub Copilot)

Add to `.vscode/mcp.json`:

```json
{
  "servers": {
    "bankrolled": {
      "type": "http",
      "url": "https://bankrolled.ai/mcp"
    }
  }
}
```

Or from a terminal: `code --add-mcp '{"name":"bankrolled","type":"http","url":"https://bankrolled.ai/mcp"}'`

### Gemini CLI

```bash
gemini mcp add --transport http bankrolled https://bankrolled.ai/mcp
```

Or install this repo as an extension (see `gemini-extension.json`):

```bash
gemini extensions install https://github.com/Bankrolled/bankrolled-ai-mcp
```

Or add to `~/.gemini/settings.json`:

```json
{
  "mcpServers": {
    "bankrolled": {
      "httpUrl": "https://bankrolled.ai/mcp"
    }
  }
}
```

### Any other client / plain curl

```bash
curl -s https://bankrolled.ai/mcp -H 'content-type: application/json' \
  -d '{"jsonrpc":"2.0","id":1,"method":"tools/list"}'

curl -s https://bankrolled.ai/mcp -H 'content-type: application/json' \
  -d '{"jsonrpc":"2.0","id":2,"method":"tools/call","params":{"name":"money_fact","arguments":{"q":"fscs deposit protection limit"}}}'
```

Health check (free, never gated): `GET https://bankrolled.ai/mcp/health`

## What we don't do

- We don't give financial advice. These are general facts from official sources, not advice about your situation.
- We don't move money, open or connect accounts, or take payments. Nothing here is billed.
- We don't ask for an API key, account, sign-in or personal details. Please don't put personal information in tool arguments; the tools don't need any.
- We don't guess. If a question isn't in the catalogue you get `not_in_catalog`, not an invented number, fee, FX rate or tax rule.
- We don't block bots and AI assistants. Automated callers are welcome. If you hit the fair-use limit you get a plain explanation of what to do (the 429 response says how long to wait and where to ask for more), not a silent block.
- We don't republish article bodies. The canonical magazine is [bankrolled.com](https://bankrolled.com); cite it where an answer links to it.

## Fair use

30 requests per 10 seconds per IP on `POST https://bankrolled.ai/mcp`. Over the limit you get HTTP 429 with a `Retry-After` header and a message that says how long to wait and who to email for more. `health_check` and `ping` are exempt. More detail: https://bankrolled.ai/llms.txt

## Links

| | |
|---|---|
| Agent docs (llms.txt) | https://bankrolled.ai/llms.txt |
| Server card | https://bankrolled.ai/.well-known/mcp/server-card.json |
| Privacy | https://bankrolled.ai/privacy/ |
| Full docs repo | https://github.com/Bankrolled/bankrolled-ai-docs |
| Magazine (canonical) | https://bankrolled.com |
| Contact | agents@bankrolled.com |

## Files in this repo

| File | Purpose |
|------|---------|
| `server.json` | Official MCP Registry entry (`ai.bankrolled/agent-hub`) |
| `gemini-extension.json` | Gemini CLI extension manifest (remote server) |
| `docker-mcp-registry/` | Draft entry for the Docker MCP Catalog (`docker/mcp-registry`) |
| `LICENSE` | MIT for the files in this repo; documentation under CC BY 4.0 |

## License

Repository contents are MIT licensed; documentation at [bankrolled-ai-docs](https://github.com/Bankrolled/bankrolled-ai-docs) is CC BY 4.0.