Banco MCP — API Skill

You have access to the Banco MCP REST API on MCP.AI.

Aggregates bank data (balances, bills and statements) via Brazil's Open Finance. Each institution becomes a connection; multiple banks per user are stored in credentials.connections[]. Read-only.

Base URL

https://api.mcp.ai/api/openfinance

Every endpoint is a POST to the base URL + the endpoint path below. All parameters go in the JSON body. Action-style endpoints take a required action field that selects the operation.

Authentication

Include in every request:

Authorization: Bearer sk_live_...
Content-Type: application/json

Response format

{ "ok": true, "tool": "<tool_id>", "result": <payload> }

cURL example

curl -X POST https://api.mcp.ai/api/openfinance/connectors/search \
  -H "Authorization: Bearer sk_live_..." \
  -H "Content-Type: application/json" \
  -d '{"keywords":["btg","nubank"]}'

Discovering endpoints

This API self-documents. For the always-current version of this documentation, no auth required:

• Structured JSON (all endpoints + parameters + examples): GET https://api.mcp.ai/api/openfinance/_endpoints
• OpenAPI 3.1 spec (Swagger / Insomnia / Postman import): GET https://api.mcp.ai/api/openfinance/_openapi
• This skill in markdown: GET https://api.mcp.ai/api/openfinance/_skill.md

Use these when learning a new MCP, refreshing a stale catalog, or integrating from a fresh agent context.

Reporting problems

If any endpoint returns an error, empty or unexpected data, or you suspect a platform bug, report it instead of silently giving up. This notifies the MCP.AI team so they can look into it.

report_bug

Report a problem, empty or unexpected data, or a suspected platform bug to the MCP.AI team (POST https://api.mcp.ai/api/openfinance/report)

Parameter	Type	Required	Description
message	string	Yes	What went wrong or what you expected to happen
context	string	No	Endpoint that failed, error message, or what you were trying to do
conversation	array	No	Recent messages for reproduction. Array of { role, content, tool_name? }

Request body:

{
  "message": "investments/list returned empty for one of my connections",
  "context": "POST /api/openfinance/investments/list with item=...",
  "conversation": []
}

Response example:

{
  "ok": true,
  "tool": "report_bug",
  "result": {
    "report_id": "bug_...",
    "message": "Report received (bug_...). The MCP.AI team has been notified. Thank you!"
  }
}

Available endpoints (16)

Connections

openfinance_search_bank_connectors

Search bank connectors (Open Finance/API) by name (POST https://api.mcp.ai/api/openfinance/connectors/search)

Parameter	Type	Required	Description
keywords	string[]	Yes	Bank name/id terms (OR match), e.g. ['nubank','btg']. Required.
include_accounts	boolean	No	Include accounts (+ count) of each already-linked connection. One call per connection; default false.

Request body:

{
  "keywords": [
    "btg",
    "nubank"
  ]
}

Response example:

{
  "ok": true,
  "tool": "openfinance_search_bank_connectors",
  "result": {
    "banks": [
      {
        "id": "675",
        "name": "BTGPactual",
        "access": "open_finance",
        "type": "PERSONAL_BANK",
        "audience": "pf",
        "connect_url": "https://app.mcp.ai/connect/mi_…?u=usr_…&flow=quick&field_bank_id=675"
      }
    ],
    "connect_url_base": "https://app.mcp.ai/connect/mi_…?u=usr_…&flow=quick",
    "totals": {
      "matched": 1,
      "connected_connections": 0,
      "connected_accounts": 0
    }
  }
}

openfinance_list_connections

List connected banks (POST https://api.mcp.ai/api/openfinance/connections/list)

Response example:

{
  "ok": true,
  "tool": "openfinance_list_connections",
  "result": {
    "connections": [
      {
        "connector_id": "612",
        "connector_name": "Nubank",
        "item_id": "uuid-aaa",
        "status": "UPDATED"
      }
    ],
    "count": 1,
    "add_connection_url": "https://app.mcp.ai/connect/mi_…?u=usr_…&add=1"
  }
}

openfinance_get_item_status

Status of a connection (UPDATED, LOGIN_ERROR…) (POST https://api.mcp.ai/api/openfinance/connections/status)

Parameter	Type	Required	Description
item	string	No	item_id (uuid), connector_id ('612'), or connector_name ('Nubank'). Omit when only 1 connection.

Request body:

{
  "item": "612"
}

openfinance_force_sync

Force-sync one or more connections (POST https://api.mcp.ai/api/openfinance/connections/sync)

Parameter	Type	Required	Description
items	string[]	Yes	Connection selectors (item_id, connector_id, or connector_name). 1-50.

Request body:

{
  "items": [
    "612",
    "Itaú"
  ]
}

openfinance_disconnect_bank

Revoke Open Finance consent for a bank (POST https://api.mcp.ai/api/openfinance/connections/disconnect)

Parameter	Type	Required	Description
item	string	Yes	item_id (uuid), connector_id, or connector_name of the connection.

Request body:

{
  "item": "Nubank"
}

Accounts

openfinance_list_accounts

List accounts (BANK / CREDIT) of a connection (POST https://api.mcp.ai/api/openfinance/accounts/list)

Parameter	Type	Required	Description
item	string	No	Target connection.
type	string	No	Filter by type. (BANK, CREDIT)

CREDIT account rows include creditData with card brand/level/limits and, when the institution exposes them, balanceCloseDate (statement closing date) and balanceDueDate (payment due date).

Request body:

{
  "item": "612",
  "type": "BANK"
}

openfinance_get_accounts_detail

Full account detail by id (batch 1-50) (POST https://api.mcp.ai/api/openfinance/accounts/detail)

Parameter	Type	Required	Description
account_ids	string[]	Yes	Account uuids. 1-50.

Request body:

{
  "account_ids": [
    "uuid-a",
    "uuid-b"
  ]
}

openfinance_get_account_balance

Real-time balance per account (batch 1-50) (POST https://api.mcp.ai/api/openfinance/accounts/balance)

Parameter	Type	Required	Description
account_ids	string[]	Yes	Account uuids. 1-50.

Request body:

{
  "account_ids": [
    "uuid-a",
    "uuid-b"
  ]
}

Transactions

openfinance_list_transactions

Transactions per account (BANK or CREDIT) with date/keyword filters (POST https://api.mcp.ai/api/openfinance/transactions/list)

Parameter	Type	Required	Description
account_id	string	Yes	Account uuid.
from	string	No	Start date ISO (YYYY-MM-DD).
to	string	No	End date ISO (YYYY-MM-DD).
page	number	No	Page (default 1).
page_size	number	No	Items per page (1-500, default 50).
search_queries	string[]	No	Keyword filter (OR). Triggers aggregated scan in from/to.
detail	string	No	Response shape: omit for compact (default), rich for bill/merchant metadata (billId, purchaseDate, payeeMCC, merchant CNPJ/CNAE, …), or raw for the full upstream Open Finance object. Coverage varies by institution.

Request body:

{
  "account_id": "uuid-a",
  "from": "2026-04-01",
  "to": "2026-04-30",
  "detail": "rich",
  "search_queries": [
    "uber",
    "ifood"
  ]
}

openfinance_update_transaction_category

Fix transaction categories (auto-creates a rule) (POST https://api.mcp.ai/api/openfinance/transactions/category)

Parameter	Type	Required	Description
items	object[]	Yes	{ transaction_id, category_id } pairs. 1-50. category_id comes from /categories/list.

Request body:

{
  "items": [
    {
      "transaction_id": "uuid-tx-1",
      "category_id": "05080000"
    }
  ]
}

Response example:

{
  "ok": true,
  "tool": "openfinance_update_transaction_category",
  "result": {
    "updated": 1,
    "results": [
      {
        "transaction_id": "uuid-tx-1",
        "category": "Food and drink",
        "categoryId": "05080000"
      }
    ],
    "errors": []
  }
}

Credit_cards

openfinance_list_credit_card_bills

Credit card bills (with derived payment_status) (POST https://api.mcp.ai/api/openfinance/credit-card-bills/list)

Parameter	Type	Required	Description
account_id	string	Yes	CREDIT account uuid.
page	number	No
page_size	number	No	1-100.

Request body:

{
  "account_id": "uuid-credit"
}

openfinance_get_credit_card_bill

Bill detail by id (batch 1-50) (POST https://api.mcp.ai/api/openfinance/credit-card-bills/detail)

Parameter	Type	Required	Description
bill_ids	string[]	Yes	Bill uuids. 1-50.

Request body:

{
  "bill_ids": [
    "uuid-bill-1"
  ]
}

Investments

openfinance_list_investments

Investment portfolio per connection (POST https://api.mcp.ai/api/openfinance/investments/list)

Parameter	Type	Required	Description
item	string	No
type	string	No	Filter by type. (COE, EQUITY, ETF, FIXED_INCOME, MUTUAL_FUND, SECURITY, OTHER)
page	number	No
page_size	number	No	1-500, default 100.

Request body:

{
  "item": "612",
  "type": "FIXED_INCOME"
}

openfinance_list_investment_transactions

Movement history of an investment position (BUY/SELL/TAX/…) (POST https://api.mcp.ai/api/openfinance/investments/transactions/list)

Parameter	Type	Required	Description
investment_id	string	Yes	Investment uuid.
page	number	No
page_size	number	No	1-500, default 100.

Request body:

{
  "investment_id": "uuid-inv"
}

Loans

openfinance_list_loans

Loan contracts per connection (batch) (POST https://api.mcp.ai/api/openfinance/loans/list)

Parameter	Type	Required	Description
items	string[]	Yes	Connection selectors. 1-50.

Request body:

{
  "items": [
    "612"
  ]
}

Categories

openfinance_list_categories

Transaction category taxonomy (Pluggy) (POST https://api.mcp.ai/api/openfinance/categories/list)