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Open Finance US MCP

by orancummins
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Python

Open Finance US MCP

A standalone Model Context Protocol server that wraps the Mastercard Open Finance US (Finicity) hosted APIs (https://api.finicity.com). It is a separate codebase from Vima and vendors its own Finicity client — no dependency on Vima's apis/, execute() wrapper, or simulator.

Open Finance MCP Console

Layout

openfinance-mcp/
  src/openfinance_mcp/
    finicity_client.py   # vendored Finicity client (only depends on requests)
    server.py            # FastMCP server + tools
    models.py            # ToolResult envelope
    spec_defaults.py     # resolved spec decisions + open questions
    config/settings.py   # credential loader (env / dotenv / sibling vima config/.env)
    __main__.py          # stdio + streamable-http entry point
  tests/                 # unit, protocol (offline) + sandbox (live) suites
  console/               # separate, independently deployable demo UI
  run.sh / run.bat       # one-shot start scripts for the MCP server
  console/run.sh / .bat  # one-shot start scripts for the Test Console

Related MCP server: Local Financial MCP Mock Server

1 — Get Credentials

Credentials are issued through the Mastercard Developers portal.

  1. Sign up or log in at developer.mastercard.com.

  2. Click Create New Project, enter a project name, and select Open Finance from the Select your API service dropdown.

  3. Select the commercial country for your end users, then click Proceed.

  4. Enter a description, click Create Project.

  5. In the left-hand Credentials panel click Sandbox — your three credential values are shown:

    Variable

    Portal label

    OPEN_FINANCE_PARTNER_ID

    Partner ID

    OPEN_FINANCE_PARTNER_SECRET

    Secret

    OPEN_FINANCE_APP_KEY

    App Key

Full quick-start guide: https://developer.mastercard.com/open-banking-us/documentation/quick-start-guide/

API base URL defaults to https://api.finicity.com. Override with OPEN_FINANCE_API_BASE_URL if needed.

2 — Configure Credentials

Option A — Test Console UI (recommended)

Start the console (see below), then click the ⚙ Credentials button in the top-right corner. Paste your values and click Save to .env. The file is written to .env in the repo root.

Option B — Edit .env directly

Create .env in the repo root:

OPEN_FINANCE_PARTNER_ID=your_partner_id
OPEN_FINANCE_PARTNER_SECRET=your_partner_secret
OPEN_FINANCE_APP_KEY=your_app_key
OPEN_FINANCE_API_BASE_URL=https://api.finicity.com

Resolution order

  1. Process environment variables.

  2. OPENFINANCE_MCP_ENV_FILE (explicit dotenv path).

  3. .env in this repo root.

  4. Sibling ../vima/config/.env (auto-discovered).

3 — Start the MCP Server

The run scripts create a .venv, install dependencies, kill any previous instance, and start the server — no manual pip install required.

macOS / Linux

./run.sh
# Defaults: transport=http, host=0.0.0.0, port=9030

Windows

run.bat

Override defaults via environment variables:

PORT=9030 TRANSPORT=http ./run.sh

Manual (without the script)

python -m venv .venv && source .venv/bin/activate
pip install -e ".[test,console]"
python -m openfinance_mcp --transport http --port 9030

4 — Start the Test Console

macOS / Linux

./console/run.sh
# open http://localhost:8080

Windows

console\run.bat

Override defaults:

PORT=8080 MCP_URL=http://localhost:9030/mcp ./console/run.sh

Manual

cd console
pip install -r requirements.txt
MCP_URL=http://localhost:9030/mcp uvicorn app:app --port 8080

Or start both MCP server and console together with Docker:

docker compose up --build

5 — Run Tests

# Offline unit + protocol tests (no credentials needed)
pytest -m "not sandbox"

# Live sandbox tests (requires valid credentials in .env)
pytest -m sandbox

Project layout (detail)

openfinance-mcp/
  src/openfinance_mcp/
    finicity_client.py
    server.py
    models.py
    spec_defaults.py
    config/settings.py
    __main__.py
  tests/
  console/
    app.py              # FastAPI bridge (MCP client → browser)
    static/             # index.html, console.js, console.css
    run.sh / run.bat
  docs/
    console-screenshot.png
  run.sh / run.bat
  docker-compose.yml
  pyproject.toml

Resolved spec decisions

Question

Answer

Status

PSI path/body

POST /payments/customers/{id}/accounts/{aid}/payment-success-indicators, {"transaction":{"settleByDate","amount"}}

confirmed

VOAI slug

voaHistory

confirmed

TxPUSH body

{"callbackUrl": <url>}

confirmed

The console's Spec Decisions tab renders these live from the running server.

Install Server
F
license - not found
C
quality
B
maintenance

How are these scores calculated?

Maintenance

–Maintainers
–Response time
–Release cycle
–Releases (12mo)
Commit activity

Resources

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Tools

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