> ## Documentation Index
> Fetch the complete documentation index at: https://docs.moneda.com/llms.txt
> Use this file to discover all available pages before exploring further.
# Available Tools
> Every MCP tool Moneda exposes — check balances, browse transactions, analyze spending and earnings, manage recovery setup and notifications, manage contacts, view sub-account vaults, manage receipts and bills, freeze/unfreeze cards, and initiate payments
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 |
| `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 |
| `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 →](/tools/read-tools)
## 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 |
| `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) |
[View details →](/tools/write-tools)
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