openbanking-mcp

Server Quality Checklist

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Latest release: v0.1.0
Disambiguation5/5
Each tool targets a distinct function: account listing, balances, filtered transactions, subscriptions, monthly summary, text search, category spending, sync status, and unusual charges. There is no functional overlap.
Naming Consistency4/5
Most tools follow a verb_noun pattern in snake_case (e.g., get_balances, list_accounts). However, monthly_summary_tool and spend_by_category_tool include a '_tool' suffix not used by others, causing minor inconsistency.
Tool Count5/5
9 tools is appropriate for the domain. Each tool provides a specific capability without redundancy, covering account management, transaction analysis, subscriptions, and sync status.
Completeness4/5
The set covers core read-only banking operations: accounts, balances, transactions, subscriptions, and spending analysis. Missing is the ability to retrieve a single transaction detail, but overall it is reasonably complete for an analytics-focused MCP.
Average 3.1/5 across 9 of 9 tools scored. Lowest: 2.4/5.
See the Tool Scores section below for per-tool breakdowns.
- No community issues in the last 6 months
- 15 commits in the last 12 weeks
- No stable releases found
- No critical vulnerability alerts
- No high-severity vulnerability alerts
- No code scanning findings
- CI is passing
This repository is licensed under MIT License.
This repository includes a README.md file.
No tool usage detected in the last 30 days. Usage tracking helps demonstrate server value.
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{
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  "maintainers": [
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  ]
}
```
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How is the quality score calculated?

The overall quality score combines two components: Tool Definition Quality (70%) and Server Coherence (30%).

Tool Definition Quality measures how well each tool describes itself to AI agents. Every tool is scored 1–5 across six dimensions: Purpose Clarity (25%), Usage Guidelines (20%), Behavioral Transparency (20%), Parameter Semantics (15%), Conciseness & Structure (10%), and Contextual Completeness (10%). The server-level definition quality score is calculated as 60% mean TDQS + 40% minimum TDQS, so a single poorly described tool pulls the score down.

Server Coherence evaluates how well the tools work together as a set, scoring four dimensions equally: Disambiguation (can agents tell tools apart?), Naming Consistency, Tool Count Appropriateness, and Completeness (are there gaps in the tool surface?).

Tiers are derived from the overall score: A (≥3.5), B (≥3.0), C (≥2.0), D (≥1.0), F (<1.0). B and above is considered passing.

Tool Scores

Behavior2/5
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
No annotations are provided, so the description must disclose behavioral traits. It only states 'detected recurring charges' without explaining pagination, filtering, or what 'detected' implies (e.g., only active? past?). Minimal transparency.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.
Conciseness3/5
Is the description appropriately sized, front-loaded, and free of redundancy?
The description is extremely concise (5 words) but structurally incomplete—it is a phrase rather than a full sentence. While front-loaded, it omits critical information that the tool's limited size should have included.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Completeness2/5
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
Given the presence of an output schema, the return values are partially covered, but the description fails to explain the parameter and usage context. For a simple tool with one optional parameter, this is insufficient.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Parameters1/5
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
Schema description coverage is 0%, and the description does not explain the sole parameter 'lookback_months'. Its function and effect are left entirely to inference from the name and default value.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.
Purpose4/5
Does the description clearly state what the tool does and how it differs from similar tools?
The description clearly states the tool lists recurring charges (subscriptions/direct debits), using a specific noun phrase. However, it does not differentiate from sibling tools like get_transactions or unusual_charges, which might also deal with charges.
Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.
Usage Guidelines2/5
Does the description explain when to use this tool, when not to, or what alternatives exist?
There is no guidance on when to use this tool over alternatives. The description does not mention conditions, prerequisites, or exclusions.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
Behavior2/5
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
No annotations are provided, so the description must carry the full burden. It does not disclose whether the tool is read-only, the output format, or any side effects. The brief sentence only states the basic function without behavioral traits.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.
Conciseness3/5
Is the description appropriately sized, front-loaded, and free of redundancy?
The description is concise at one sentence, but it is under-specified. It lacks front-loading of key details like parameters or usage context.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Completeness2/5
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
Given 2 unannotated parameters and no parameter descriptions, the description is incomplete. It does not cover what the tool returns or how to use start/end. The existence of an output schema (not shown) may help but is not referenced.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Parameters1/5
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
Schema coverage is 0%, and the description adds no meaning to the two parameters (start, end). It does not explain their role (e.g., date range) or format, leaving the agent to guess.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.
Purpose4/5
Does the description clearly state what the tool does and how it differs from similar tools?
The description clearly states the tool's purpose: detecting atypical charges compared to each merchant's historical data. The verb 'cargos atípicos' (atypical charges) combined with 'histórico' specifies the resource and behavior, making it distinct from generic transaction listing tools.
Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.
Usage Guidelines2/5
Does the description explain when to use this tool, when not to, or what alternatives exist?
No guidance is provided on when to use this tool versus siblings like 'search_transactions' or 'get_transactions'. The description lacks context about scenarios, prerequisites, or alternatives.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
Behavior2/5
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
No annotations are provided, so the description carries full burden. It only hints at output content but does not disclose any behavioral traits (e.g., read-only, auth requirements, rate limits, data freshness).
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?
The description is a single sentence that is front-loaded with the key term 'Resumen mensual.' It conveys essential output components efficiently, though it could be slightly more structured.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Completeness2/5
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
Given no annotations, no output schema, and minimal parameter context, the description is insufficient. It does not specify output format, definitions (e.g., 'net'), or how 'top comercios' are determined.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Parameters2/5
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
Schema has 0% description coverage for parameters, and the description does not add any meaning beyond the schema. It does not explain valid ranges or formats for year and month.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.
Purpose4/5
Does the description clearly state what the tool does and how it differs from similar tools?
The description clearly states it provides a monthly summary including income, expenses, net, top merchants, and categories. It distinguishes from sibling tools like get_transactions (which list individual transactions) and spend_by_category_tool (which focuses on category spending). However, it does not explicitly differentiate itself in the description.
Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.
Usage Guidelines2/5
Does the description explain when to use this tool, when not to, or what alternatives exist?
No guidance on when to use this tool versus alternatives. It does not mention prerequisites, contexts, or when not to use it.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
Behavior2/5
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description should disclose behavioral traits such as idempotency, pagination, or ordering. It only mentions filtering criteria but omits details about the limit parameter, default values, and whether the operation is read-only.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.
Conciseness5/5
Is the description appropriately sized, front-loaded, and free of redundancy?
The description is a single sentence with no redundant information. It efficiently communicates the core filters without unnecessary words.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Completeness2/5
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
Given 5 parameters, no annotations, and an output schema, the description is too brief. It lacks usage context, clarification on optional parameters, and differentiation from sibling tools. The output schema partially compensates for return value details, but overall completeness is low.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Parameters3/5
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
Schema description coverage is 0%, so the description must compensate. It adds meaning by specifying date format (YYYY-MM-DD) and allowed type values (debit/credit), covering account_id, start, end, and type. However, it does not explain the limit parameter or default behavior, leaving partial gaps.
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?
The description clearly states the tool filters transactions by account, date range (YYYY-MM-DD), and type (debit/credit). It uses a specific verb and resource, and distinguishes from sibling tools like 'get_balances' or 'list_accounts' that serve different purposes.
Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.
Usage Guidelines2/5
Does the description explain when to use this tool, when not to, or what alternatives exist?
No guidance is provided on when to use this tool versus alternatives like 'search_transactions' or 'monthly_summary_tool'. The description only states what it does, not when to prefer it over siblings.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
Behavior2/5
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
No annotations are provided, so the description carries full burden. It only says 'status of last synchronization' without disclosing read-only nature, output format, or any side effects. With no output schema, the agent lacks behavioral details.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.
Conciseness5/5
Is the description appropriately sized, front-loaded, and free of redundancy?
The description is a single, concise sentence with no wasted words. It is appropriately sized for a tool with no parameters.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Completeness3/5
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
Given the tool's simplicity (no parameters, no output schema, no annotations), the description is minimally adequate. However, it could be more complete by describing the output (e.g., date, result) to fully inform the agent.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Parameters4/5
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
The input schema is empty (0 parameters), and schema coverage is 100%. The description adds no parameter semantics because none exist. Baseline for 0 params is 4.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.
Purpose4/5
Does the description clearly state what the tool does and how it differs from similar tools?
The description 'Estado de la última sincronización' clearly states the tool provides the status of the last synchronization. It distinguishes from financial sibling tools like get_balances or get_transactions. However, it is very brief and does not specify what the status entails (e.g., success/failure, timestamp).
Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.
Usage Guidelines2/5
Does the description explain when to use this tool, when not to, or what alternatives exist?
The description provides no guidance on when to use this tool versus alternatives. It does not mention context, prerequisites, or exclusions. Usage is only implied by the tool name and sibling context (financial vs. sync).
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
Behavior2/5
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
No annotations are present, so the description must disclose all behavioral traits. It states it aggregates by category and uses date range, but fails to mention whether it is read-only, required permissions, or returns all categories. The basic behavior is clear but incomplete for a mutation-ambiguous tool.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.
Conciseness5/5
Is the description appropriately sized, front-loaded, and free of redundancy?
The description is a single sentence that efficiently conveys the core purpose. No wasted words; front-loaded with action and resource.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Completeness4/5
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
For a simple tool with an output schema, the description adequately covers purpose and parameter format. It could mention that it returns aggregated data but the output schema likely covers that. Slight gap in specifying whether all categories are included.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Parameters4/5
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
Schema coverage is 0%, so the description compensates by specifying the date format ('YYYY-MM-DD') for the start and end parameters, adding meaning beyond the raw schema. However, it does not clarify if parameters are required or default behavior when omitted.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.
Purpose4/5
Does the description clearly state what the tool does and how it differs from similar tools?
The description clearly states the tool aggregates spending by category over a date range, specifying verb ('aggregate') and resource ('spending by category'). It distinguishes from siblings like 'get_transactions' and 'monthly_summary_tool' but does not explicitly differentiate them.
Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.
Usage Guidelines2/5
Does the description explain when to use this tool, when not to, or what alternatives exist?
No guidance is provided on when to use this tool versus alternatives, such as when to prefer 'monthly_summary_tool' or 'get_transactions'. The description only implies usage for category-based period analysis without exclusions or context.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
Behavior2/5
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations provided, the description carries full burden but only states a simple action. No disclosure of read-only nature, authorization needs, or side effects.
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?
The description is a single concise sentence, front-loaded and efficient. However, it could include more useful information without becoming verbose.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Completeness3/5
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
For a simple list tool with an output schema, the description is minimally adequate but lacks any differentiation from siblings or behavioral details, especially given the absence of annotations.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Parameters4/5
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
Input schema has zero parameters, so schema coverage is 100%. The description correctly implies no filters, meeting the baseline for a no-parameter tool.
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?
The description clearly states it lists synchronized bank accounts, with a specific verb and resource. It is distinct from sibling tools like get_balances or get_transactions.
Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.
Usage Guidelines2/5
Does the description explain when to use this tool, when not to, or what alternatives exist?
No guidance on when to use this tool versus alternatives. The description does not mention any context or exclusions.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
Behavior2/5
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries full behavioral burden. It only states 'most recent balance' without clarifying update frequency, caching, authentication needs, or potential side effects. Minimal transparency.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.
Conciseness5/5
Is the description appropriately sized, front-loaded, and free of redundancy?
The description is a single concise sentence with no unnecessary words. It is well front-loaded and efficient.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Completeness3/5
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
The presence of an output schema mitigates the need to explain return values. However, the description does not cover behavioral context like time boundaries or error conditions. Adequate but not comprehensive.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Parameters4/5
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
No parameters exist so schema coverage is 100%. Baseline 4 is appropriate. The description adds value by explaining the output (balances per account) beyond the empty schema.
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?
The description clearly states the tool retrieves the most recent balance of each account. It uses a specific verb-resource combination and implicitly distinguishes from sibling tools like get_transactions and list_accounts.
Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.
Usage Guidelines2/5
Does the description explain when to use this tool, when not to, or what alternatives exist?
No guidance is provided on when to use this tool versus alternatives like get_transactions or list_accounts. The description lacks context for selection.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
Behavior3/5
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
No annotations are provided, so the description must disclose all behavioral traits. It states the search behavior (by text in merchant/concept) but omits details like case sensitivity, exact vs. partial matching, or whether pagination is supported beyond the limit parameter.
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?
The description is a single concise sentence that front-loads the purpose. However, it could be slightly more structured by explicitly mentioning the parameters or result behavior.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Completeness3/5
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
Given the output schema exists, return values need not be detailed. However, the description is minimal for a search tool with two parameters; it could mention the limit parameter's role or the scope of the search.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Parameters3/5
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
Schema description coverage is 0%; the description adds some meaning by specifying the fields searched (merchant and concept), but it does not explain the 'query' or 'limit' parameters beyond what the schema names imply. The description partially compensates for the lack of schema descriptions.
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?
The description clearly states it searches transactions by text in merchant or concept, which is a specific verb and resource. It easily distinguishes from sibling tools like get_transactions which likely lists all transactions without text filtering.
Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.
Usage Guidelines3/5
Does the description explain when to use this tool, when not to, or what alternatives exist?
The description implies usage for text-based searching but provides no explicit guidance on when to use it versus alternatives (e.g., get_transactions for unfiltered lists). There are no when-not-to-use notes or sibling comparisons.
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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