# SwitchWize MCP client

Read-only MCP tools for U.S. rates, savings comparisons, financial indexes,
card offers and changes, rewards, CD rollover rules, and downgrade paths.

## Connect now

For clients supporting Streamable HTTP, use the hosted endpoint:

`https://www.switchwize.com/api/mcp`

No SwitchWize account or API key is required. The API is rate-limited.
Documentation: [SwitchWize Developers](https://www.switchwize.com/developers).

## Gemini CLI extension

Install from the public repository:

```sh
gemini extensions install https://github.com/switchwize/switchwize-mcp
```

Restart Gemini CLI, then use `/mcp list` to confirm that `switchwize` is connected
and exposes all 16 tools. The extension uses Gemini CLI's native Streamable HTTP
transport; no separate local MCP process, SwitchWize account, or API key is needed.
Gemini CLI itself requires its own supported authentication and runtime setup.

Try: "Use SwitchWize to compare current U.S. high-yield savings observations.
Include source URLs and as-of dates, and flag stale or unavailable data."

The extension covers U.S. deposit and card research, excluding mortgages.
Review `GEMINI.md` for source, freshness, and privacy guidance. Installing this
extension enables your Gemini CLI to use the tools; it does not enable them for
other Gemini users or designate SwitchWize as a Google Search data source.

Google's extension gallery discovers public repositories with a root
`gemini-extension.json` and the `gemini-cli-extension` GitHub topic. Gallery
discovery and installation are separate from consumer usage.

## Run the stdio client from source

Use a supported Node.js LTS release and npm:

```sh
git clone https://github.com/switchwize/switchwize-mcp.git
cd switchwize-mcp
npm ci --ignore-scripts
npm run build
npm start
```

For a desktop MCP client, configure command `node` with the absolute path to
`dist/index.js` as its argument. No environment file or database credentials
are needed. `SWITCHWIZE_MCP_URL` is an optional full MCP endpoint override for developers.

## Run from npm

```sh
npx -y switchwize-mcp@0.3.0
```

For a desktop MCP client, configure command `npx` with arguments
`["-y", "switchwize-mcp@0.3.0"]`. No API key is required.

The source bridge and package manifest now use 0.3.0, matching the published npm
bridge. Building this repository does not republish the existing npm version.

## Available tools

- `get_top_rates`
- `get_top_hysa_rates`
- `get_bank_gap`
- `compare_switch_savings`
- `get_rate_freshness`
- `get_index_dataset`
- `get_bank_gap_index`
- `get_reality_score`
- `get_card_offers`
- `get_transfer_bonuses`
- `get_card_changes`
- `get_reward_valuations`
- `best_move_this_week`
- `get_cd_rollover_rules`
- `get_card_downgrade_path`
- `get_fed_hike_pass_through`

The hosted server currently discovers 16 tools, three prompts, and four resources.
The source-built stdio bridge forwards the hosted tool schemas and annotations,
prompts, resources, structured results and tool error status.

The client connects to `/api/mcp` using Streamable HTTP and exposes that catalog
over stdio. It does not initiate financial transactions or
request bank credentials. Balance inputs supplied to tools are transmitted to
the hosted API; do not include account numbers or other sensitive identifiers.

## Validate a source checkout

`npm run verify:package` checks the build and package contents without publishing.
`npm run verify:live` compares the source bridge's tools, prompts and resources
with the public hosted service and performs a hypothetical Bank Gap call. It
requires network access and contributes internal acceptance traffic; it does
not establish independent user adoption or verify every upstream data source.

`npm run verify:gemini -- <report.json>` verifies all 16 tools using Gemini CLI
0.66.0's own MCP discovery, input-schema validation, and invocation code. Set
`GEMINI_CLI_PACKAGE_DIR` to an installed `@google/gemini-cli@0.66.0` package
directory. Optionally set `SWITCHWIZE_GEMINI_MANIFEST` to the manifest from an
installed extension to validate that exact configuration. Keep validation in a
separate `GEMINI_CLI_HOME` so it does not alter your normal Gemini settings.

This check makes live read-only calls with hypothetical inputs, labels its
requests as internal probes, records freshness states without treating stale
or unavailable data as current, and checks the other three deposit categories.
It does not make an LLM request or establish consumer adoption. See the dated
[Gemini release validation](docs/gemini-release-validation-2026-10-27.md).

## Data boundaries

Observations may be aggregator-sourced and may be aging. Preserve each response's
source dates and freshness labels. Monthly index data is not a current offer.
Confirm product terms directly with the provider before making a decision.

Savings-gap figures are hypothetical estimates. The comparison benchmark is
the average of the top three tracked savings rates, not an average across every
tracked bank. Card Reality Scores model a consumer segment's assumptions and
may carry stale terms; they are not personalized advice or guaranteed benefits.

Attribute data as **SwitchWize (switchwize.com)**. The MIT license covers this
client software, not upstream datasets, third-party materials, or trademarks.
See [data and service terms](https://www.switchwize.com/terms).

## Package verification

`npm run verify:package` builds the client and checks the npm tarball against an
exact allowlist: LICENSE, README.md, dist/index.js, and package.json.
`npm pack` creates a local tarball; neither command publishes it.

License: MIT. Copyright SW Digital Holdings LLC.