plaid-mcp
Server Configuration
Describes the environment variables required to run the server.
| Name | Required | Description | Default |
|---|---|---|---|
| PAYWALL | No | Payment rail: none (default), mpp, or x402. | none |
| PROVIDER | No | Bank-data provider: plaid (default) or teller. | plaid |
| PLAID_ENV | No | Plaid environment: production or sandbox. | |
| TELLER_ENV | No | Teller environment: sandbox, development, or production. | |
| MPP_METHODS | No | Comma-separated MPP payment methods: tempo, stripe, or tempo,stripe. | |
| MPP_NETWORK | No | Tempo network: tempo-testnet or tempo-mainnet. | |
| PLAID_MCP_DB | No | Path to the SQLite database for Plaid access tokens and cached data. | ~/.plaid-mcp/plaid.db |
| PLAID_SECRET | No | Your Plaid secret (sandbox or production). | |
| X402_NETWORK | No | x402 network: base-sepolia or base. | |
| MCP_AUTH_TOKEN | No | Bearer token required when running in HTTP/remote mode. | |
| PLAID_PRODUCTS | No | Comma-separated Plaid products the bank must support during linking. | |
| PLAID_CLIENT_ID | No | Your Plaid client ID. | |
| STRIPE_CURRENCY | No | Currency for Stripe payments. | |
| TELLER_KEY_PATH | No | Path to the Teller private key PEM; required for Teller development/production, not sandbox. | |
| TELLER_CERT_PATH | No | Path to the Teller certificate PEM; required for Teller development/production, not sandbox. | |
| MPP_ALLOW_MAINNET | No | Set to 1 to allow accepting real USDC on Tempo mainnet. | |
| PLAID_CLIENT_NAME | No | Client name shown inside Plaid Link. | plaid-mcp |
| PLAID_WEBHOOK_URL | No | Webhook URL for webhook-driven Plaid Link completion. | |
| STRIPE_SECRET_KEY | No | Stripe API secret key for the Stripe payment rail. | |
| X402_ALLOW_MAINNET | No | Set to 1 to allow x402 on Base mainnet. | |
| PLAID_COUNTRY_CODES | No | Comma-separated country codes for Plaid Link. | |
| X402_FACILITATOR_URL | No | Optional x402 facilitator URL. | |
| TELLER_APPLICATION_ID | No | Your Teller application ID. | |
| X402_RECEIVING_ADDRESS | No | Base address that receives USDC for x402. | |
| MPP_DESTINATION_ADDRESS | No | Tempo wallet address that receives USDC. | |
| PLAID_OPTIONAL_PRODUCTS | No | Comma-separated Plaid products to request if supported. | |
| STRIPE_PAYMENT_METHOD_TYPES | No | Comma-separated Stripe payment method types. |
Instructions
Guidance the server publishes about itself, which clients place ahead of the tool catalog so the model reads it before choosing anything.
This server publishes no instructions, or was last inspected before Glama recorded them.
Capabilities
Features and capabilities supported by this server
Protocol revision2025-11-25
| Capability | Details |
|---|---|
| tools | {
"listChanged": true
} |
| logging | {} |
| prompts | {
"listChanged": false
} |
| resources | {
"subscribe": false,
"listChanged": false
} |
| extensions | {
"io.modelcontextprotocol/ui": {}
} |
| experimental | {} |
Tools
Functions exposed to the LLM to take actions
| Name | Description |
|---|---|
| link_accountA | Start a new Plaid Link session. Returns a URL the user opens in their browser to authenticate with their bank. After they finish, call complete_linking with the returned link_token. Plaid-only: under PROVIDER=teller, run |
| complete_linkingA | Finalize a Link session once the user has completed it in their browser. Exchanges the public_token for a permanent access_token and caches accounts. Plaid-only. |
| list_linked_institutions_toolA | List every institution currently linked, with account counts and any errors. Plaid-only — reads the local SQLite items table, which Teller doesn't use. |
| remove_institution_toolA | Unlink an institution (Plaid item) and delete its local data. Plaid-only. |
| list_accounts_toolA | List every account across every linked institution. |
| get_balances_toolB | Live balance lookup. Filter by account_id if given. |
| sync_transactions_toolA | Pull the latest transactions from Plaid into the local cache. Idempotent and incremental — uses cursors from the last sync. Plaid-only: Teller has no cursor-based sync; |
| refresh_transactions_toolC | Nudge Plaid to pull fresh transactions from the bank right now. Plaid-only. |
| get_transactions_toolA | Query transactions between two dates. Dates are YYYY-MM-DD. Plaid: reads from the local cache — run sync_transactions first. Teller: fetches live from Teller's API for the date range. Positive amounts = spend. |
| search_transactions_toolC | Fuzzy search across transaction description and merchant name. |
| spending_summary_toolB | Aggregate spending by category | subcategory | merchant | account. Plaid-only: reads the Plaid-shaped cache populated by sync_transactions. |
| get_holdings_toolA | Current investment positions (tickers, quantities, market value, cost basis). Plaid-only — Teller has no INVESTMENTS capability. |
| get_investment_transactions_toolC | Brokerage transactions: buys, sells, dividends, fees. Plaid-only — Teller has no INVESTMENTS capability. |
| get_liabilities_toolA | Credit cards, student loans, mortgages with APRs, balances, due dates. Plaid-only — Teller has no LIABILITIES capability. |
| get_identity_toolC | Account holder names, emails, phones, addresses as reported by the institution. |
| get_income_toolA | Bank-detected income streams. Requires Income product enabled in your Plaid dashboard. Plaid-only — Teller has no INCOME capability. |
| set_account_override_toolB | Annotate a linked card with the real APR when Plaid misses it. Plaid-only. |
| clear_account_override_toolA | Remove any APR override for an account. Plaid-only. |
| list_overrides_toolA | List every account APR override the user has recorded. Plaid-only. |
| add_external_debt_toolC | Track a debt that isn't behind a linked Plaid account. Plaid-only. |
| update_external_debt_toolA | Update any subset of fields on an existing external debt. Plaid-only. |
| remove_external_debt_toolB | Delete an external debt entry. Plaid-only. |
| list_external_debts_toolB | List every external (non-Plaid-linked) debt the user has recorded. Plaid-only. |
| summarize_debt_toolB | Rank every debt and project payoff timelines. Plaid-only — merges Plaid liabilities with local overrides + external debts. |
Prompts
Interactive templates invoked by user choice
| Name | Description |
|---|---|
No prompts | |
Resources
Contextual data attached and managed by the client
| Name | Description |
|---|---|
No resources | |
TDQS
Scored across 24 tools
Most tools target distinct resources and actions, such as accounts, balances, transactions, liabilities, holdings, and external debts. A few near-overlaps exist—get_liabilities_tool vs summarize_debt_tool and sync_transactions_tool vs refresh_transactions_tool—but the descriptions clarify the intended use.
Tool names mostly follow a snake_case verb_noun_tool pattern, but link_account and complete_linking lack the _tool suffix, and spending_summary_tool is a noun phrase rather than a verb_noun construction. The pattern is mixed but still readable.
With 24 tools, the surface is at the high end of a typical MCP and feels heavy. Each tool has a plausible role, but the count is large enough that navigation and selection could become unwieldy.
The tool set covers linking, account and transaction data, liabilities, investments, identity, income, local overrides, and external debt CRUD with summary capabilities. Minor gaps like per-transaction detail or category management are not critical for the core domain.