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 dropsnull, 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.
imageUrlon recovery contacts,bankNameon 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
countfield (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
countfield first.
What read tools are available?
| Tool | What it does |
|---|---|
health | Check MCP server status |
get_balance | Fetch live balances for USD, EUR, CHF, CAD and MXN 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 |
list_conditional_orders | List your crypto limit, stop-loss, take-profit and trailing-stop orders |
get_conditional_order | View one crypto conditional order and its status |
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_dinari_capabilities | Check whether you can trade tokenized equities, under which jurisdiction, and why not if you can’t |
get_dinari_us_requirements | List what a US-jurisdiction user still owes before their brokerage account can open |
get_market_status | Check whether the US stock market is open and when the session next changes |
get_free_trade_allowance | See how many commission-free stock trades are left and when the window resets |
get_wallet | Get your Moneda smart wallet address on Base |
get_virtual_accounts | View your IBAN and ACH virtual bank account details |
get_virtual_account_limits | Remaining deposit/withdrawal limit (rolling 52 weeks) and verification status |
get_information_requests | Open compliance information requests from Iron/MoonPay (answered by you in the app) |
get_settlement_estimate | When a US bank (ACH) transfer settles, accounting for cutoff, weekends and bank holidays |
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) |
get_settings | View app preferences and notification settings |
get_passkeys | List your wallet signing keys (primary / backup) and your login passkeys |
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_points_redemption_config | See the points→AI-credit rate, minimum, monthly cap, and remaining monthly allowance |
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 |
list_faq_categories | List FAQ categories with each question and its id |
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 |
list_sub_account_proposals | List open approval requests on a joint account (M-of-N) |
get_sub_account_proposal | Get one joint-account request with its per-member approvals |
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 |
list_api_keys | List your API keys — name, prefix, permissions, last use (never the secret) |
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_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 |
What write tools are available?
| Tool | What it does |
|---|---|
update_display_name | Change your display name |
set_passkey_label | Give one of your passkeys a nickname |
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) |
initiate_currency_exchange | Exchange money between your own currency accounts (requires approval in the Moneda app) |
propose_scheduled_payment | Propose a recurring payment the user activates in the Moneda app |
initiate_crypto_trade | Buy or sell a crypto asset with your own balance (requires approval in the Moneda app) |
initiate_token_buy | Buy a Base token by contract address with your own balance (requires approval in the Moneda app) |
cancel_conditional_order | Cancel an open crypto conditional order, withdrawing it from the order book if it is live |
initiate_earnings_move | Deposit into or withdraw from your earnings vaults (requires approval in the Moneda app) |
propose_sub_account_top_up | Move money from your main account into a sub-account (requires approval in the Moneda app) |
propose_sub_account_withdraw | Move money from a sub-account back to your main account (requires approval in the Moneda app) |
propose_sub_account_swap | Swap between a currency and a crypto asset inside a sub-account (requires approval in the Moneda app) |
propose_sub_account_freeze | Freeze a sub-account you created (requires approval in the Moneda app) |
propose_sub_account_multisig_proposal | Open a spend or withdraw proposal on a joint account for co-owners to approve |
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 |
attach_receipt | File an unattached receipt against a transaction |
detach_receipt | Unlink a receipt from its transaction, keeping the receipt |
confirm_receipt_suggestion | Accept the suggested transaction match for a receipt |
reject_receipt_suggestion | Dismiss the suggested transaction match for a receipt |
delete_receipt | Permanently delete a receipt and its file (no undo) |
mark_receipt_partial_payment | Mark a receipt as a partial payment so an expected amount mismatch stops warning |
update_receipt_amounts | Correct a receipt’s total, subtotal, tax, tax rate or tip |
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 |
create_api_key | Create an API key — the secret is shown once and never again |
revoke_api_key | Revoke an API key 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) |
redeem_points | Redeem your Moneda Points for prepaid AI usage credits |
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