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Read tools let your AI assistant view your account data without making any changes. They’re grouped by what they do.

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Balances & finances

Fetch live balances for your USD, EUR, CHF, CAD and MXN accounts and earnings vaults. Optionally filter by currency. Includes balance trend sparklines from recent snapshots and current APY rates for earnings accounts.Try asking: “What’s my balance?” or “How much EUR do I have?”
See how much you’ve saved over your lifetime by using Moneda — the total fees Moneda covered on your behalf (sponsored network and transfer fees) plus the discount your plan gives you versus the Standard plan.Try asking: “How much have I saved with Moneda?”
Browse your transaction history with filters for date range, amount, type, category, currency, counterparty, and status. Supports both standard JSON and tax export CSV formats.Transactions you approved on your device carry a signer block naming the passkey that signed them (label plus kind: primary or backup). It’s absent on anything you didn’t sign yourself, such as incoming deposits, scheduled transfers, on-ramps, and card settlements.Try asking: “Show my last 5 transactions” · “Which key approved that payment?”
View spending grouped by transaction type group (transfer, exchange, deposit, withdrawal, earnings, topup, offramp) over 7, 30, or 90 days. Optionally filter by currency. Includes period-over-period comparison. Formerly named get_spending_summary.Try asking: “How does my activity break down across transfers, deposits, and earnings this month?”
Get a daily series of spending totals for a stablecoin (USDC, EURC, CHFAU, CADD or MXNB) over a rolling window (1d, 1w, 1m, 1y) or an absolute UTC date range.Try asking: “Chart my USDC spending over the last week”
Group spending by user-assigned transaction category over a window. Transactions without a category land in an UNCATEGORIZED bucket.Try asking: “What did I spend on groceries last month?”
Get the total amount sent to a single recipient (Moneda user, external bank, or external wallet) over a window. Identify the recipient by their account ID.Try asking: “How much did I send to Alice this year?”
Group spending by recipient/merchant. Each Moneda user gets a per-user bucket; off-ramps share a single bucket per type (bank-withdrawal, external-wallet, coinbase, wallet-connect).Try asking: “Who did I send the most money to this month?”
Compare spending totals across two arbitrary windows (e.g., this month vs. last month, year-over-year) and get the absolute and percentage delta.Try asking: “Compare my spending this month with last month”
List the underlying spending transactions for a window. Optionally drill down into a category or merchant bucket. Paginated.Try asking: “Show me all the transactions in my groceries category last month”
Get the current exchange rate between any two supported currencies (USD, EUR, CHF, CAD, MXN).Try asking: “What’s the USD to EUR exchange rate?”
Check current APY rates for Morpho Earnings and YO Smart Earnings vaults.Try asking: “What are the current earnings rates?”
Get a daily time series of earnings and vault balance for a Morpho or YO vault account. Returns up to one year of UTC-day data points plus total earnings and net deposits.Try asking: “How have my earnings grown over the past year?”
Check what you can currently do with tokenized equities (dShares): which regulatory jurisdiction your brokerage account is under, whether you can trade, and — if not — the ordered list of reasons why.Try asking: “Can I buy stocks through Moneda yet?”
For a US-jurisdiction user, list what is still outstanding before the brokerage account can open: missing profile answers, unaccepted disclosures, and whether a taxpayer id is on file. Returns field names and counts only, never your answers.
Read-only, and deliberately so. Regulatory disclosures and personal attestations can only be accepted by you, in the Moneda app, having seen the actual document. No agent, API key, or CLI session can supply them on your behalf.
Try asking: “What’s left before I can trade stocks?”
Check whether the US stock market is open right now: the current session (pre-market, open, after hours or closed), whether today is a trading day, any holiday or early close, the trading day’s four session windows, and when the session next changes.Try asking: “Is the US market open right now?”
See how many commission-free stock trades you have left in the current allowance window, and when that window rolls over.
The window steps from your own subscription anniversary, not the calendar month, so read the reset date rather than assuming the 1st. If the count could not be read, the answer says so instead of guessing.
Try asking: “How many free trades do I have left?”

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Account info

Get your Moneda smart wallet address on the Base network. This address only supports USDC, EURC, CHFAU, CADD, and MXNB on Base.Try asking: “What’s my wallet address?”
View your IBAN and ACH virtual bank account details, payment capabilities, and activation status.Try asking: “What’s my IBAN?” or “Show my bank account details”
See how much of your deposit and withdrawal limit is left on a rolling 52-week window, and whether Iron is asking for extra verification. Crossing a limit does not reject a transfer — it pauses it until you supply a Source-of-Wealth document, so check before a large transfer. Limits are per direction and personalised per customer.Try asking: “How much can I still deposit this year?” or “Why is my transfer on hold?”
See when a US bank (ACH) transfer would actually arrive. Accounts for the 3:00 PM ET same-day cutoff, weekends, and US bank holidays — a transfer sent the afternoon before Thanksgiving does not land the next day. USD/ACH only.Try asking: “When will my transfer arrive?”
List your saved Moneda contacts, external wallets, and bank accounts.Try asking: “Show me my contacts” or “Who are my saved contacts?”
View your saved external wallets and bank accounts for withdrawals.Try asking: “What external accounts do I have saved?”
List the banks Koywe supports for a LATAM country (Mexico, Argentina, Peru, Brazil, Colombia, Chile, Bolivia). Each entry has a name, a value (Koywe entity code, used when registering a bank account), and a domain (for logo display). Required when registering a bank account in Colombia (PSE), Chile (CLP_BANK), or Bolivia (BOB_BANK), where the bank code must be picked explicitly.Try asking: “What banks are available in Colombia for transfers?”
View your language, currency, theme, notification, and display preferences.Try asking: “What are my app settings?”
List your passkeys. target: "WALLET" (the default) returns your smart-account signing keys with provider, status, masked wallet address, creation date, kind (primary for the key you signed up with, backup for one added later) and onchainStatus (a pending backup is registered but cannot sign yet). target: "LOGIN" returns your email-login credentials with provider, device and last-used date; the credential id is masked and the public key is never returned. The provider is omitted when it can’t be identified, which includes every login credential registered before Moneda started recording it.It reports which keys exist, not which one signs next: that preference is stored only on your device and no API can read it.Try asking: “Show me my passkeys” · “Do I have a backup passkey?”
View your recovery contacts and people who have you as their guardian.Try asking: “Who are my recovery contacts?”
List the email addresses set up for ZK email-based account recovery, with status (pending / invited / accepted / declined / removed) and weights.Try asking: “What recovery emails do I have set up?”
Get full detail for a single recovery email entry by id.Try asking: “Show me the recovery email with that id”
Get the recovery configuration: accepted recovery emails, total approval weight, and the threshold required to approve a recovery.Try asking: “Is my email recovery fully set up?”
Get the most recent ZK email recovery request snapshot for an account — whether a recovery is currently in flight, who has approved, and how long until it’s executable.Try asking: “Is there a recovery in flight on my account?”
List your in-app notifications, newest first. Pass filter='unread' to scope to unread items — handy for “do I have anything new?” or “summarize what’s in my inbox” questions.Try asking: “Do I have any new notifications?” or “Summarize my unread notifications”
Cheaper than list_notifications when you only need the count — returns just { count } for the unread inbox.Try asking: “How many unread notifications do I have?”

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Points & referrals

Check your current reward points balance.Try asking: “How many points do I have?”
View history of earned and redeemed points.Try asking: “Show my points activity”
See the points-to-AI-credit rate, the minimum redemption, the monthly cap, your current balance, and how much monthly allowance is left.Try asking: “How many points do I need to redeem for AI credits?”
Get your unique referral link and total referral count.Try asking: “What’s my referral code?”
See the list of friends you’ve referred to Moneda.Try asking: “Who have I referred?”

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Users

Search for Moneda users by username, display name, full email, or phone number. Respects user privacy settings.Try asking: “Find the user @alice” or “Search for john@example.com”

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Cards

Card credentials — full PAN, CVV, PIN — are never exposed via the MCP surface. To view or change those you have to use the Moneda mobile app with biometric authentication.
List all your Moneda cards (active, suspended, expired, and terminated). Returns PCI-redacted metadata only: status, type, programme, currency, last four digits, expiry, design.Try asking: “Show me my cards” or “Which cards are active?”
Get detailed metadata for a single card by id (status, type, programme, currency, expiry, design). Same PCI-redacted projection as list_cards. Returns NOT_FOUND if the card doesn’t exist or isn’t yours.Try asking: “Show me details for my virtual card”
Card transactions don’t have a dedicated tool — they ride on the generic get_transactions with cardId: <uuid> (specific card) or typeGroup: "card" (all card activity across every card). Merchant name, MCC, country, last 4, and the decline reason on declined transactions are projected onto card rows automatically.

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Knowledge & help

Search the Moneda FAQ knowledge base for answers about fees, security, deposits, withdrawals, and more.Try asking: “How do fees work?” or “Is Moneda safe?”
Browse all FAQ items in a specific category (e.g. fees, security, earnings).Try asking: “Show me all FAQ items about security”
Read the full answer to a specific FAQ question.Try asking: “Tell me more about that FAQ item”

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Vaults & sub-accounts

List your sub-accounts (vaults / nested Safes). Excludes closed vaults by default; pass includeClosed: true to see archived ones too.Try asking: “List my vaults” or “Show all my sub-accounts including closed ones”
Get one sub-account’s full detail by id — name, status, type, members, parent + child Safe addresses, deployment index, and close timestamp.Try asking: “Show me the details for my Holiday Fund vault”
Read on-chain balances for a sub-account’s child Safe. Pass currency (USDC, EURC, CHFAU, CADD or MXNB) to filter to a single token; omit to get every enabled token.Try asking: “What’s the USDC balance in my Emergency Fund vault?”
Aggregate wealth across your main account plus every live vault. Returns per-leg breakdown (wallet + Morpho + YO for main account; wallet-only for vaults) and per-currency totals (USDC, EURC, CHFAU, CADD, MXNB). USDC and EURC are cross-converted using the on-chain Aerodrome rate; CHFAU, CADD and MXNB are reported separately.Try asking: “What’s my total wealth across all accounts?”

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Receipts & bills

List your transaction receipts (PDFs, images, structured invoices), newest first. Each entry carries extracted summary fields (merchant, total, date, currency) plus the linked transaction when attached. Filter by transaction hash, lifecycle status, or needsReview for rows flagged for manual review.Try asking: “Show my recent receipts” or “Which receipts need my review?”
Fetch a single receipt by id with full extracted fields (merchant, total, currency, tax breakdown, line-item count) plus a presigned download URL valid for ~15 minutes.Try asking: “Show me the receipt with that id”
List the parsed line items on a receipt — description, quantity, unit price, total, tax rate, and category. Useful for spend-by-product breakdowns or itemised review of an invoice.Try asking: “What was on that grocery receipt?”
Search across every parsed line item you’ve ever uploaded (case-insensitive substring on description). Returns matching items, total count, and aggregate spend grouped by currency. Optional category and date-range filters.Try asking: “How much did I spend on cappuccinos this year?”
List German hospitality-receipt (Bewirtungsbeleg) overlays attached to your transactions. Each row carries the underlying transaction, date, location, occasion, total/tip/subtotal split, deductible vs non-deductible amounts, and signing state.Try asking: “Show my business meal receipts for last quarter”
List self-issued substitute receipts (Eigenbeleg) — used when the original receipt for a transaction was lost or never issued. Each row carries the linked transaction, recipient name, amount, reason, and signing state.Try asking: “Show my self-issued substitute receipts”
List your bills (AP queue), ordered due-soon first. Filter by status (defaults to PENDING). Each row carries the extracted merchant, total, currency, invoice number, and due date. Cursor-paginated.Try asking: “What bills are due soon?” or “Show all my pending bills”
Fetch a single bill by id with full extracted detail — merchant (name, tax id, address), total, currency, due date, invoice number, vendor IBAN/BIC/routing/account, payment status, and a presigned download URL valid for ~15 minutes.Try asking: “Show me the details of that bill”

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Subscription billing

Get your current subscription plan and how it’s billed: status, plan tier, whether it’s paid from your balance or by card, and whether your wallet balance funds the next renewal. A zero balance only threatens a balance-pay plan — a card plan is unaffected.Try asking: “What plan am I on?” or “Will my low balance affect my subscription?”
List your subscription charge history, newest first. Cursor-paginated — pass nextCursor from a previous response back as cursor to fetch the next page. Each row includes the plan tier, billing period (MONTHLY/ANNUAL), charged amount, currency, status, on-chain transaction hash, billing period start/end dates, and the invoice number (null until you generate the invoice).Try asking: “Show my subscription charges” or “What are my recent billing charges?”
Generate (idempotently) the ZUGFeRD plan invoice PDF for a subscription charge and receive a 1-hour presigned download URL. The first call allocates the invoice number (YYYY-NNNNNN), renders the PDF/A-3 with embedded EN 16931 XML, and uploads to S3. Subsequent calls return a fresh presigned URL for the existing invoice. You must own the charge.Try asking: “Generate an invoice for this charge” or “Get a download link for my subscription invoice”

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Payments & routing

List the country, currency, and rail combinations Moneda can pay out to. Each entry includes the required fields you’ll need to collect before adding a bank, contact, or initiating a payment. Pass an optional countrySymbol to filter (e.g. BR returns only Brazilian PIX).Try asking: “Can I send money to Mexico?” or “What’s needed to pay someone in Brazil?”
Preview the cost, FX rate, and final amount for moving money between two currencies. Provide exactly one of amountIn (what you send) or amountOut (what the recipient receives). Returns the quote ID, exchange rate, fee, and how long the quote stays valid. Use this BEFORE initiate_payment so you can confirm the rate.Try asking: “How much will it cost to send 100 EUR to a USD account?”

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Agent sessions

List your scoped autonomous agent sessions, newest first, with status, spending policy, remaining period cap, and expiry. Filter by status to find active sessions. Requires the Agent Sessions permission, which is not granted by default.Try asking: “Show my agent payment sessions” or “Which agent sessions are active?”
Get one agent session’s full detail by id — status, policy, remaining period cap, and its most recent executions. Poll this after creating a session until it shows as active.Try asking: “Is my landlord agent session active yet?” or “Show recent payments from this agent session”
List your active login sessions — the devices and clients (mobile app, web, CLI, API) currently signed in to your account — along with your connected agents, each with its location and last-active time.Try asking: “What devices am I signed in on?” or “Show my active sessions”

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Bundled overviews

These tools answer common questions in a single call by bundling several read tools together — faster and cheaper than asking for each piece separately.
Your complete account overview in one call: balances, recent transactions (last 7 days), and current APY rates.Try asking: “Give me an overview of my account”
A quick balance check in one call: all account balances, exchange rates, and APY rates.Try asking: “What’s my balance across everything?”
A comprehensive financial summary in one call: balances, recent transactions, APY rates, and exchange rates.Try asking: “Give me a full summary of my finances”
All your account setup details in one call: wallet address, Moneda balances, virtual bank accounts, and saved external accounts.Try asking: “Show me all my accounts”
Your earnings at a glance in one call: earnings vault balances, APY rates, and recent earnings activity.Try asking: “How are my earnings doing?”
A spending breakdown in one call: spending by type group, daily totals, and category breakdown for a period.Try asking: “Analyze my spending this month”
Your card activity in one call: all cards and recent card transactions.Try asking: “Show me my cards and recent card spending”
Your points and referrals in one call: points balance, recent activity, referral code, and referees.Try asking: “What’s my points and referral status?”
A payment-readiness check in one call: KYC status, virtual accounts, external accounts, contact count, and balances.Try asking: “Am I set up to send a payment?”
A security checkup in one call: passkeys, recovery contacts, and security-related settings.Try asking: “Run a security checkup on my account”

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Server

Check the MCP server status, uptime, and version. No authentication required.Try asking: “Is the Moneda server running?”

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Learn more

Write tools

Tools for payments, categorization, account updates, and on-chain card freeze/unfreeze.

Use cases

Real examples of what you can do with these tools.