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orancummins

Open Finance US MCP

by orancummins

get_available_balance

Retrieve the real-time available balance for a specific account. Provide customer and account IDs to get up-to-date balance information.

Instructions

Get the real-time available balance for an account.

Input Schema

TableJSON Schema
NameRequiredDescriptionDefault
account_idYes
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?

The term 'real-time' hints at live data, but no side effects, authentication needs, rate limits, or other behavioral traits are disclosed. With no annotations, the description carries full burden and falls short.

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?

Single concise sentence, but it omits crucial context. Front-loaded but sacrifices completeness for brevity.

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 an output schema exists but no details, the description should hint at the response structure (e.g., balance amount, currency). It does not, leaving the agent with insufficient information.

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%. The description adds no meaning beyond parameter names; it does not explain that customer_id and account_id are required identifiers or how to obtain them.

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 returns 'real-time available balance' for an account, which is specific and distinguishes it from account info tools like get_customer_account that may not focus on balance.

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 siblings like get_customer_account or get_account_transactions. The agent receives no context for choosing among balance-related tools.

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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