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wutchara

Local Fintech MCP Server

by wutchara

get_user_transactions

Fetch recent mock transactions for any user by ID, returning a JSON array to power spending reviews and account history checks.

Instructions

Returns a JSON array of recent mock transactions for a given user.

Input Schema

TableJSON Schema
NameRequiredDescriptionDefault
userIdYesThe ID of the user to get transactions for

Schema Changelog

Changes observed during successful MCP inspections.

  1. First observedv1.0.0

TDQS

B3.1/5.0
Behavior2/5

Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?

With no annotations, the description carries the full behavioral burden. It discloses only that the return is a JSON array of recent mock transactions; it omits whether the operation is read-only, what 'recent' means, pagination behavior, error handling, and permission requirements.

Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.

Conciseness5/5

Is the description appropriately sized, front-loaded, and free of redundancy?

A single front-loaded sentence with no filler. Every word contributes to identifying the resource and return format.

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

Completeness3/5

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

For a simple one-parameter getter, the description gives the return type and data nature ('mock', 'recent'), which is useful since no output schema exists. However, it leaves out usage context relative to its sibling and behavioral details like pagination or permissions.

Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.

Parameters3/5

Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?

The schema already fully documents the single userId parameter (100% coverage), and the description adds no extra semantic detail beyond restating that transactions are for a given user. Baseline 3 is appropriate when the schema does the heavy lifting.

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?

States a specific verb ('Returns'), resource ('JSON array of recent mock transactions'), and target ('for a given user'). It is clear what the tool does, but it does not differentiate itself from the sibling tool flag_anomalies.

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?

Provides no when-to-use guidance, prerequisites, or comparison to the sibling tool flag_anomalies. The implied usage is only that it fetches transactions for a user, but no conditions or alternatives are stated.

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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