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orancummins

Open Finance US MCP

by orancummins

generate_fcra_payment_success_indicators

Generate FCRA-permissible payment success indicators for open banking transactions by providing customer and account identifiers along with payment amount.

Instructions

Generate FCRA-permissible Payment Success Indicators.

Input Schema

TableJSON Schema
NameRequiredDescriptionDefault
amountYes
purposeNo1P
account_idYes
user_emailNouser@example.com
customer_idYes

Output Schema

TableJSON Schema
NameRequiredDescriptionDefault
okYesTrue when the upstream HTTP status was < 400.
dataNoFinicity's native response body.
errorNoError summary when ok is False.
status_codeYesUpstream Finicity HTTP status code.
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 'Generate,' implying creation, but does not explain side effects, required permissions, rate limits, or what happens to existing data. It is too vague.

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 a single sentence, which is concise, but it lacks critical details. It is not wasteful, but the brevity undermines its utility. Front-loading is acceptable, but the content is insufficient.

Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.

Completeness1/5

Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?

With five parameters (three required) and a sibling list of over 50 tools, the description is severely incomplete. It does not explain the concept of 'Payment Success Indicators,' the role of each parameter, or any return value (despite having an output schema).

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%, meaning no parameter descriptions exist in the schema. The tool description adds no meaning to the five parameters (amount, purpose, account_id, user_email, customer_id). For example, 'purpose' defaults to '1P' but is not explained.

Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.

Purpose3/5

Does the description clearly state what the tool does and how it differs from similar tools?

The description states the tool generates 'FCRA-permissible Payment Success Indicators,' providing a verb and resource. However, the term 'Payment Success Indicators' is not defined, and the tool is not clearly distinguished from sibling 'generate_payment_success_indicators' (likely non-FCRA). The title is null.

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 like 'generate_payment_success_indicators' or 'get_fcra_payment_success_indicators.' The description does not specify prerequisites, use cases, or exclusion criteria.

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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