Lists all bank accounts (checking, savings, prepaid) of a user at an institution participating in Open Finance Brasil.

Args: subject_id: User's CPF (digits only) or internal ID. bank: Identifier of the participating bank. ctx: MCP request context, providing access to shared adapters.

Returns: The user's accounts at the given bank.

Returns the available, blocked, and automatically invested balance of a specific bank account on Open Finance Brasil.

Args: subject_id: User's CPF. bank: Identifier of the participating bank. account_id: Account ID returned by list_accounts. ctx: MCP request context, providing access to shared adapters.

Returns: The account's current balance.

Returns the bank statement of an account on Open Finance Brasil with date and type filters. Supports automatic transaction categorization via AI (categorize=true, requires ANTHROPIC_API_KEY).

Args: subject_id: User's CPF. bank: Identifier of the participating bank. account_id: Account ID returned by list_accounts. ctx: MCP request context, providing access to shared adapters and the categorizer. date_from: Start date of the period. date_to: End date of the period. credit_debit_type: Restrict to credits or debits only. page: Page number (1-based). page_size: Records per page (1-1000). categorize: If true, categorizes each transaction via AI.

Returns: The account's transactions for the requested period.

Lists all credit card accounts of a user at an institution participating in Open Finance Brasil, including available and total credit limit.

Args: subject_id: User's CPF. bank: Identifier of the participating bank. ctx: MCP request context, providing access to shared adapters.

Returns: The user's credit card accounts at the given bank.

Returns the bills (open and past) of a credit card via Open Finance Brasil, including total amount, minimum payment, and due date.

Args: subject_id: User's CPF. bank: Identifier of the participating bank. credit_card_account_id: ID returned by list_credit_cards. ctx: MCP request context, providing access to shared adapters.

Returns: The bills of the given credit card account.

Lists the PIX keys (CPF, email, phone, EVP) registered to a bank account via Open Finance Brasil.

Only available in environment='mock' - see module docstring.

Args: subject_id: User's CPF. bank: Identifier of the participating bank. account_id: Account ID. ctx: MCP request context, providing access to shared adapters.

Returns: The PIX keys registered to the given account.

Initiates a PIX payment via Open Finance Brasil. Requires an active payment consent. The idempotency_key field prevents duplicate charges on retries.

Outside environment='mock', requires an AUTHORISED payment consent for this subject/bank, obtained beforehand via start_payment_consent + complete_payment_consent (tools/payments.py) - a data-sharing consent alone is not sufficient. In mock mode this check is skipped entirely, since the mock adapter has no payment-consent resource to check against.

Args: subject_id: Payer's CPF. bank: Identifier of the participating bank. amount: Canonical amount in BRL (e.g. "150.00"). creditor_key: PIX key of the recipient. creditor_key_type: Type of the recipient's key. debtor_account_id: ID of the account to debit, returned by list_accounts. idempotency_key: Client-generated UUID to prevent duplicates. ctx: MCP request context, providing access to shared adapters and the persistent idempotency store. description: Payment description/reason (max 140 chars). consent_id: Payment consent returned by start_payment_consent. Required outside mock mode.

Returns: Status of the initiated (or previously cached) payment.

Lists a user's bank fixed-income investments (CDB, LCI, LCA, RDB) via Open Finance Brasil Fase 4, including gross amount, net amount, contracted rate, and indexer.

Args: subject_id: User's CPF. bank: Participating bank. ctx: MCP request context, providing access to shared adapters.

Returns: The user's fixed-income investments and aggregate totals.

Lists a user's investment fund positions via Open Finance Brasil Fase 4 (P1.3), including quota quantity/price and gross/net amount.

Args: subject_id: User's CPF. bank: Participating bank. ctx: MCP request context, providing access to shared adapters.

Returns: The user's investment funds and aggregate totals.

Lists a user's variable income asset positions (stocks, ETFs, and other exchange-traded assets) via Open Finance Brasil Fase 4 (P1.3), including quantity, closing price, and gross amount.

No net_amount is returned here (unlike list_investments/list_funds/ list_treasure_titles): the real Variable Incomes spec's balance data only publishes a gross amount - taxes/fees on these assets are reported per-transaction (broker notes), not as a running net position.

Args: subject_id: User's CPF. bank: Participating bank. ctx: MCP request context, providing access to shared adapters.

Returns: The user's variable income assets and an aggregate gross total.

Lists a user's treasury bond (Tesouro Direto) positions via Open Finance Brasil Fase 4 (P1.3), including quantity, updated unit price, and gross/net amount.

Args: subject_id: User's CPF. bank: Participating bank. ctx: MCP request context, providing access to shared adapters.

Returns: The user's treasury bonds and aggregate totals.

Starts the Open Finance Brasil consent flow for a user at a bank.

Creates a consent resource at the bank, then builds a FAPI-BR compliant (PAR + JAR) authorization URL. The user must open this URL in a browser, log in, and authorize the requested scopes at the bank. Once redirected back, call complete_consent with the resulting URL to finish the flow.

Args: subject_id: User's CPF (digits only) or internal ID. bank: Identifier of the participating bank. scopes: Desired data-sharing scopes, e.g. ['accounts', 'balances', 'transactions', 'overdraft_limits', 'credit_card_accounts', 'credit_card_limits', 'credit_card_bills', 'credit_card_transactions', 'bank_fixed_incomes', 'funds', 'variable_incomes', 'treasure_titles']. Does NOT include 'pix'/payments - payment initiation uses a separate, dedicated payment consent (Payments API), not this data-sharing consent; see tools/pix.py. ctx: MCP request context, providing access to shared dependencies. request_url_elicitation: Ask a compatible MCP client to open the bank authorization URL using URL-mode elicitation. The URL is always returned as well, so clients without elicitation support can continue with the existing copy-and-open flow.

Returns: The consent ID and the URL the user must open to authorize it.

Completes a consent flow using the URL the bank redirected the user to after they finished logging in and authorizing.

Because FAPI-BR mandates response_mode=fragment, that URL's parameters live after a '#', not a '?' - copy the complete address bar contents after being redirected, not just the query string.

Args: callback_url: The full URL the user's browser landed on after authorizing (or denying) consent at the bank. ctx: MCP request context, providing access to shared dependencies.

Returns: The final consent status after completing the exchange.

Checks the current status of a user's consent at a bank.

Args: subject_id: User's CPF or internal ID. bank: Identifier of the participating bank. ctx: MCP request context, providing access to shared dependencies.

Returns: The consent's current status.

Revokes a user's consent at a bank and forgets the local token.

Args: subject_id: User's CPF or internal ID. bank: Identifier of the participating bank. ctx: MCP request context, providing access to shared dependencies.

Returns: Confirmation that the consent was revoked.

Starts the Open Finance Brasil Payments API consent flow for one specific PIX payment.

Creates a payment consent describing exactly this payment, then builds a FAPI-BR compliant (PAR + JAR) authorization URL. The user must open this URL, log in, and authorize this specific payment at the bank. Once redirected back, call complete_payment_consent with the resulting URL, then initiate_pix to actually create the payment.

Args: subject_id: Payer's CPF (digits only) or internal ID. bank: Identifier of the participating bank. amount: Payment amount in BRL (e.g. '150.00'). creditor_key: PIX key of the recipient. creditor_key_type: Type of the recipient's key. debtor_account_id: ID of the account to debit. ctx: MCP request context, providing access to shared dependencies. description: Payment description/reason (max 140 chars). request_url_elicitation: Ask a compatible MCP client to open the bank authorization URL using URL-mode elicitation. The URL is still returned for clients that use the manual flow.

Returns: The payment consent ID and the URL the user must open to authorize it.

Completes a payment consent flow using the URL the bank redirected the user to after authorizing (or denying) the payment.

Args: callback_url: The full URL the user's browser landed on after authorizing (or denying) the payment consent at the bank. ctx: MCP request context, providing access to shared dependencies.

Returns: The final payment consent status after completing the exchange.

Checks the current status of an exact payment consent journey.

Args: subject_id: Payer's CPF or internal ID. bank: Identifier of the participating bank. consent_id: Exact payment consent journey to query. ctx: MCP request context, providing access to shared dependencies.

Returns: The payment consent's current status.