Available tools

Once connected, your AI tool can call any of these tools. You do not need to invoke them manually — the client discovers them and chooses the right tool based on your questions. Tools read from Finta storage (requires Storage Mode). High-volume tools support filters and pagination via cursor parameters in the tool schema. Most tools are read-only; a small set of write tools let your assistant categorize transactions, manage your spending categories, and manage manual accounts. Finta MCP never moves money or changes your bank connections or destination settings.

Read tools

Tool	What it does	Example prompt
`whoami`	Returns your Finta user and MCP setup status	”Am I connected to Finta?”
`list_bank_connections`	Lists your bank connections with status and error state	”Which of my banks are connected?”
`list_accounts`	Lists bank accounts with balances	”What accounts do I have?”
`get_account`	Gets a single account by ID	”Show me details for my Chase checking account”
`list_liabilities`	Lists accounts with debt details, payment amounts, due dates, and interest rates	”Show me all my debt”
`list_transactions`	Lists cash transactions, filterable by account, date, and category	”What did I spend on groceries last month?”
`list_categories`	Lists transaction categories	”What categories does Finta use?”
`list_accounts_balance_history`	Daily balance history across accounts	”Show me my net worth over the last 6 months”
`get_account_balance_history`	Daily balance history for one account	”How has my savings account balance changed?”
`list_securities`	Lists securities in investment accounts	”What stocks do I hold?”
`list_holdings`	Lists investment positions with quantities	”What’s in my portfolio?”
`list_investment_transactions`	Lists investment transactions (buys, sells, dividends)	“What trades did I make this year?”

Good liability prompts:

“What are my minimum payments this month?”
“What’s the interest rate on my student loans?”
“Show me all my debt”

Write tools

These tools change your data in Finta. They’re limited to managing the accounts and categories you’ve created and categorizing transactions.

Tool	What it does	Example prompt
`update_transaction`	Sets or clears the category on a transaction	”Categorize that Amazon charge as Office Supplies”
`batch_update_transactions`	Updates many transactions at once (up to 250)	“Categorize all my Starbucks transactions as Coffee”
`create_account`	Creates a manual account, including liability accounts	”Add a manual account for my $12,000 car loan”
`update_account`	Updates a manual account’s name, balance, or liability data	”Set my cash account balance to $400”
`delete_account`	Closes (soft-deletes) a manual account	”Close my old manual savings account”
`create_category`	Creates a new manual category	”Add a category called Software Subscriptions”
`update_category`	Renames or edits a category’s group/description (Mercury categories are read-only)	“Rename my Misc category to Uncategorized”
`delete_category`	Deletes a manual category	”Delete the Test category”
`batch_update_categories`	Updates many categories at once (up to 250)	“Group all my software categories together”

Write tools only affect data you manage yourself:

Accounts — only manual (user-created) accounts can be created, updated, or deleted. Accounts synced from your bank or payment provider are read-only, and manual account changes sync automatically to any connected destinations.
Categories — any category’s name, group, or description can be edited except Mercury categories, which are read-only and managed by the provider. Only manual (Finta-created) categories can be created or deleted. You can also change the category assigned to any transaction.

Good manual-account prompts:

“Create a manual mortgage account for my house at 6.5% interest with a $300,000 balance”
“Update my manual credit card balance to $1,500”
“Track my cash on hand as a manual account with $250”

Rule tools

Rules let your assistant set up automatic categorization that sticks. A rule has conditions (e.g. merchant name contains “Whole Foods”) and outcomes (set the category, set the merchant name, or hide the transaction). Rules apply to your stored transactions now, when you run them, and automatically as new transactions sync in.

Tool	What it does	Example prompt
`list_rules`	Lists your transaction rules	”What rules do I have set up?”
`create_rule`	Creates a rule that auto-categorizes, renames, or hides matching transactions	”Always categorize Whole Foods as Groceries”
`run_rules`	Applies rules to your existing transactions and reports how many changed	”Apply my rules to all my past transactions”

A typical flow: the assistant calls create_rule (using a category id from list_categories or create_category), then run_rules to backfill your history. When several rules match, the one with the lowest priority number wins. A transaction you’ve categorized by hand is never recategorized by a rule.

​Read tools

​Write tools

​Rule tools

Read tools

Write tools

Rule tools