Available Tools

Tools are actions your AI assistant can perform on your behalf. They’re organized into read tools (fetching data) and write tools (making changes).

Write tools that involve money — like initiating payments — always require your confirmation in the Moneda app before anything happens.

Response shape

Every tool response is TOON-encoded (~40% fewer tokens than equivalent JSON) and runs through a safety-net scrubber that drops null, undefined, "", empty arrays, and empty objects from the payload before serialisation. 0, false, and "0" are preserved — a balance of zero is a real answer. What this means in practice:

If a field is a known optional that has no value for your account (e.g. imageUrl on recovery contacts, bankName on an ACH-only bank entry), it’s simply absent from the response rather than serialised as "null".
If a list tool finds no matching rows, the array field itself is absent and the count field (always present) is the authoritative “nothing matched” signal. Example: { "count": 0 } instead of { "results": [], "count": 0 }.
Robust MCP clients handle absent fields transparently. Prompt-engineered clients that assert exact key presence may need a small update — check for the count field first.

What read tools are available?

Tool	What it does
`health`	Check MCP server status
`get_balance`	Fetch live balances for USD and EUR accounts and earnings vaults
`get_lifetime_savings`	See your lifetime savings from using Moneda (covered fees + plan discount)
`get_transactions`	Browse transaction history with filters
`get_spending_by_type_group`	View spending grouped by transaction type group over 7, 30, or 90 days
`get_daily_spending`	Get daily spending totals for a stablecoin over a window
`get_spending_by_category`	View spending grouped by user-assigned category
`get_spending_by_contact`	View total spending sent to a single recipient
`get_spending_by_merchant`	View spending grouped by recipient or merchant
`get_spending_comparison`	Compare spending totals across two windows
`get_spending_transactions`	List or drill into the underlying spending transactions
`get_exchange_rate`	Get the current USD/EUR exchange rate
`get_apy_rates`	Check current APY rates for earnings products
`get_earnings_time_series`	View daily earnings and balance history for a vault account
`get_wallet`	Get your Moneda smart wallet address on Base
`get_virtual_accounts`	View your IBAN and ACH virtual bank account details
`get_contacts`	List your saved contacts
`get_my_accounts`	View your saved external wallets and bank accounts
`list_banks_for_country`	List Koywe-supported banks for a LATAM country (CO/CL/BO need this for bank registration)
`list_cards`	List your Moneda cards (status, last four digits, expiry, design) — never the full PAN, CVV, or PIN
`get_card`	Get PCI-redacted details for a single card (status, type, program, currency, expiry, design)
`get_settings`	View app preferences and notification settings
`get_passkeys`	List your passkeys and authentication devices
`get_recovery_contacts`	View your recovery contacts and guardian relationships
`list_recovery_emails`	List email addresses set up for ZK email-based account recovery
`get_recovery_email`	Get one recovery email’s full detail by id
`get_recovery_config`	Get the recovery configuration (accepted emails, weight, threshold)
`get_recovery_status`	Get the most recent recovery request snapshot for an account
`list_notifications`	List in-app notifications (use filter=‘unread’ for unread items)
`get_unread_notification_count`	Get the unread in-app notification count (cheaper than `list_notifications`)
`get_points_balance`	Check your reward points balance
`get_points_activity`	View history of earned and redeemed points
`get_referral_code`	Get your unique referral link and count
`get_referees`	See the list of friends you’ve referred
`search_users`	Search for Moneda users by username, name, email, or phone
`search_knowledge`	Search FAQs about Moneda
`get_faq_category`	Browse all FAQ items in a specific category
`get_faq_item`	Read the full answer to a specific FAQ question
`list_sub_accounts`	List your sub-account vaults (excludes closed by default)
`get_sub_account`	Get one sub-account’s full detail by id
`get_sub_account_balance`	Read on-chain balances for a sub-account’s child Safe
`get_total_wealth`	Aggregate wealth across main account + every live vault, per currency
`list_receipts`	List your transaction receipts, newest first, with extracted summary fields
`get_receipt`	Get one receipt with full extracted fields + presigned download URL
`get_receipt_line_items`	List the parsed line items on a receipt
`search_receipt_line_items`	Search across every line item you’ve uploaded, aggregated by currency
`list_bewirtungsbelege`	List German hospitality-receipt (Bewirtungsbeleg) overlays
`list_eigenbelege`	List self-issued substitute receipts (Eigenbeleg)
`list_bills`	List bills (AP queue), due-soon first
`get_bill`	Get one bill with full extracted detail + presigned download URL
`list_supported_destinations`	List country/currency/rail combinations Moneda can pay out to
`get_payment_quote`	Preview cost, FX rate, and final amount for a cross-currency payment
`list_agent_sessions`	List your scoped autonomous agent sessions with status and limits
`get_current_subscription`	Get your current plan and how it’s billed (balance-pay vs card)
`list_subscription_charges`	List your subscription charge history, newest first
`get_subscription_invoice`	Generate or retrieve a presigned download URL for a subscription invoice PDF
`get_agent_session`	Get one agent session’s detail and recent executions
`list_active_sessions`	List your active login sessions (devices/clients) and connected agents
`get_account_overview_data`	Account overview in one call: balances, recent transactions, APY rates
`get_balance_check_data`	Balance check in one call: balances, exchange rates, APY rates
`get_financial_summary_data`	Comprehensive financial summary in one call (balances, transactions, APY, FX)
`get_my_accounts_data`	All account setup in one call: wallet, balances, virtual + external accounts
`get_earnings_overview_data`	Earnings overview in one call: vault balances, APY rates, recent earnings
`get_spending_analysis_data`	Spending analysis in one call: by type group, daily totals, by category
`get_card_overview_data`	Card overview in one call: cards and recent card transactions
`get_points_rewards_data`	Points and referrals in one call: balance, activity, referral code, referees
`get_payment_readiness_data`	Payment-readiness check in one call: KYC, accounts, contacts, balances
`get_security_checkup_data`	Security checkup in one call: passkeys, recovery contacts, settings

View details →

What write tools are available?

Tool	What it does
`update_display_name`	Change your display name
`update_transaction_category`	Assign a spending category to a transaction
`add_transaction_note`	Add or update a note on a transaction
`batch_update_transaction_categories`	Categorize up to 25 transactions at once
`batch_add_transaction_notes`	Add notes to up to 25 transactions at once
`add_wallet`	Save an external crypto wallet
`add_bank`	Save a bank account (EU IBAN or US ACH)
`add_contact_external`	Register an external contact with wallet or bank details
`add_contact_moneda`	Add a Moneda user to your contacts
`initiate_payment`	Create a payment request (requires approval in the Moneda app)
`get_payment_status`	Check the status of a pending payment
`pay_x402`	Pay an x402 (HTTP 402) invoice to a wallet address (requires approval in the Moneda app)
`request_receipt_upload`	Step 1 of 2 — get a presigned S3 PUT URL for uploading a local receipt
`finalize_receipt_upload`	Step 2 of 2 — run OCR + matching after the file lands in S3
`import_receipt_from_url`	Import a receipt directly from an https:// URL (SSRF-guarded)
`reparse_receipt`	Re-run OCR / LLM extraction on an existing receipt
`freeze_card`	Freeze a card on-chain (reversible, no Monavate-state change)
`unfreeze_card`	Unfreeze a card on-chain (idempotent, reverses `freeze_card`)
`create_agent_session`	Set up a scoped autonomous payment session (you activate it with a passkey)
`agent_execute_payment`	Send a payment within an active session’s on-chain limits, no approval each time
`revoke_agent_session`	Stop an agent session immediately
`terminate_session`	Sign out one login session immediately
`terminate_all_other_sessions`	Sign out all your other devices, keeping the current one
`disconnect_connected_service`	Disconnect a connected agent, revoking its access
`purchase_usage_credits`	Redeem a completed top-up payment for prepaid AI usage credits
`set_ai_usage_limit`	Set or clear the monthly spend limit on AI usage credits (USD cap, or unlimited)

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Resources

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Scopes

Permission scopes that control tool access.

Use cases

See what you can do with these tools in practice.

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Overview

Getting Started

Tools

Reference

Response shape

What read tools are available?

What write tools are available?

Learn more

Resources

Scopes

Use cases

Quickstart

​Response shape

​What read tools are available?

​What write tools are available?

​Learn more

Resources

Scopes

Use cases

Quickstart

Response shape

What read tools are available?

What write tools are available?

Learn more