> ## 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.

# Read Tools

> Read-only MCP tools to query Moneda balances, transactions, spending breakdowns, earnings analytics, contacts, recovery setup, notifications, sub-account vaults, receipts, bills, cards, and account info

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

## Balances & finances

<AccordionGroup>
  <Accordion title="get_balance">
    Fetch live balances for your USD and EUR 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?"
  </Accordion>

  <Accordion title="get_lifetime_savings">
    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?"
  </Accordion>

  <Accordion title="get_transactions">
    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.

    **Try asking:** "Show my last 5 transactions" or "What did I spend at restaurants this month?"
  </Accordion>

  <Accordion title="get_spending_by_type_group">
    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?"
  </Accordion>

  <Accordion title="get_daily_spending">
    Get a daily series of spending totals for a stablecoin (USDC, EURC, CHFAU, or CADD) over a rolling window (`1d`, `1w`, `1m`, `1y`) or an absolute UTC date range.

    **Try asking:** "Chart my USDC spending over the last week"
  </Accordion>

  <Accordion title="get_spending_by_category">
    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?"
  </Accordion>

  <Accordion title="get_spending_by_contact">
    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?"
  </Accordion>

  <Accordion title="get_spending_by_merchant">
    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?"
  </Accordion>

  <Accordion title="get_spending_comparison">
    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"
  </Accordion>

  <Accordion title="get_spending_transactions">
    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"
  </Accordion>

  <Accordion title="get_exchange_rate">
    Get the current exchange rate between USD and EUR.

    **Try asking:** "What's the USD to EUR exchange rate?"
  </Accordion>

  <Accordion title="get_apy_rates">
    Check current APY rates for Morpho Earnings and YO Smart Earnings vaults.

    **Try asking:** "What are the current earnings rates?"
  </Accordion>

  <Accordion title="get_earnings_time_series">
    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?"
  </Accordion>
</AccordionGroup>

## Account info

<AccordionGroup>
  <Accordion title="get_wallet">
    Get your Moneda smart wallet address on the Base network. This address only supports USDC and EURC on Base.

    **Try asking:** "What's my wallet address?"
  </Accordion>

  <Accordion title="get_virtual_accounts">
    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"
  </Accordion>

  <Accordion title="get_contacts">
    List your saved Moneda contacts, external wallets, and bank accounts.

    **Try asking:** "Show me my contacts" or "Who are my saved contacts?"
  </Accordion>

  <Accordion title="get_my_accounts">
    View your saved external wallets and bank accounts for withdrawals.

    **Try asking:** "What external accounts do I have saved?"
  </Accordion>

  <Accordion title="list_banks_for_country">
    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?"
  </Accordion>

  <Accordion title="get_settings">
    View your language, currency, theme, notification, and display preferences.

    **Try asking:** "What are my app settings?"
  </Accordion>

  <Accordion title="get_passkeys">
    List your passkeys with provider, status, wallet address, and creation date.

    **Try asking:** "Show me my passkeys"
  </Accordion>

  <Accordion title="get_recovery_contacts">
    View your recovery contacts and people who have you as their guardian.

    **Try asking:** "Who are my recovery contacts?"
  </Accordion>

  <Accordion title="list_recovery_emails">
    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?"
  </Accordion>

  <Accordion title="get_recovery_email">
    Get full detail for a single recovery email entry by id.

    **Try asking:** "Show me the recovery email with that id"
  </Accordion>

  <Accordion title="get_recovery_config">
    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?"
  </Accordion>

  <Accordion title="get_recovery_status">
    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?"
  </Accordion>

  <Accordion title="list_notifications">
    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"
  </Accordion>

  <Accordion title="get_unread_notification_count">
    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?"
  </Accordion>
</AccordionGroup>

## Points & referrals

<AccordionGroup>
  <Accordion title="get_points_balance">
    Check your current reward points balance.

    **Try asking:** "How many points do I have?"
  </Accordion>

  <Accordion title="get_points_activity">
    View history of earned and redeemed points.

    **Try asking:** "Show my points activity"
  </Accordion>

  <Accordion title="get_referral_code">
    Get your unique referral link and total referral count.

    **Try asking:** "What's my referral code?"
  </Accordion>

  <Accordion title="get_referees">
    See the list of friends you've referred to Moneda.

    **Try asking:** "Who have I referred?"
  </Accordion>
</AccordionGroup>

## Users

<AccordionGroup>
  <Accordion title="search_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](mailto:john@example.com)"
  </Accordion>
</AccordionGroup>

## Cards

<Info>
  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.
</Info>

<AccordionGroup>
  <Accordion title="list_cards">
    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?"
  </Accordion>

  <Accordion title="get_card">
    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"
  </Accordion>
</AccordionGroup>

<Tip>
  **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.
</Tip>

## Knowledge & help

<AccordionGroup>
  <Accordion title="search_knowledge">
    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?"
  </Accordion>

  <Accordion title="get_faq_category">
    Browse all FAQ items in a specific category (e.g. fees, security, earnings).

    **Try asking:** "Show me all FAQ items about security"
  </Accordion>

  <Accordion title="get_faq_item">
    Read the full answer to a specific FAQ question.

    **Try asking:** "Tell me more about that FAQ item"
  </Accordion>
</AccordionGroup>

## Vaults & sub-accounts

<AccordionGroup>
  <Accordion title="list_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"
  </Accordion>

  <Accordion title="get_sub_account">
    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"
  </Accordion>

  <Accordion title="get_sub_account_balance">
    Read on-chain balances for a sub-account's child Safe. Pass `currency` (USDC, EURC, CHFAU, or CADD) to filter to a single token; omit to get every enabled token.

    **Try asking:** "What's the USDC balance in my Emergency Fund vault?"
  </Accordion>

  <Accordion title="get_total_wealth">
    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). USDC and EURC are cross-converted using the on-chain Aerodrome rate; CHFAU is reported separately.

    **Try asking:** "What's my total wealth across all accounts?"
  </Accordion>
</AccordionGroup>

## Receipts & bills

<AccordionGroup>
  <Accordion title="list_receipts">
    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?"
  </Accordion>

  <Accordion title="get_receipt">
    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"
  </Accordion>

  <Accordion title="get_receipt_line_items">
    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?"
  </Accordion>

  <Accordion title="search_receipt_line_items">
    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?"
  </Accordion>

  <Accordion title="list_bewirtungsbelege">
    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"
  </Accordion>

  <Accordion title="list_eigenbelege">
    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"
  </Accordion>

  <Accordion title="list_bills">
    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"
  </Accordion>

  <Accordion title="get_bill">
    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"
  </Accordion>
</AccordionGroup>

## Subscription billing

<AccordionGroup>
  <Accordion title="list_subscription_charges">
    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?"
  </Accordion>

  <Accordion title="get_subscription_invoice">
    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"
  </Accordion>
</AccordionGroup>

## Payments & routing

<AccordionGroup>
  <Accordion title="list_supported_destinations">
    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?"
  </Accordion>

  <Accordion title="get_payment_quote">
    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?"
  </Accordion>
</AccordionGroup>

## Agent sessions

<AccordionGroup>
  <Accordion title="list_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?"
  </Accordion>

  <Accordion title="get_agent_session">
    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"
  </Accordion>
</AccordionGroup>

## 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.

<AccordionGroup>
  <Accordion title="get_account_overview_data">
    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"
  </Accordion>

  <Accordion title="get_balance_check_data">
    A quick balance check in one call: all account balances, exchange rates, and APY rates.

    **Try asking:** "What's my balance across everything?"
  </Accordion>

  <Accordion title="get_financial_summary_data">
    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"
  </Accordion>

  <Accordion title="get_my_accounts_data">
    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"
  </Accordion>

  <Accordion title="get_earnings_overview_data">
    Your earnings at a glance in one call: earnings vault balances, APY rates, and recent earnings activity.

    **Try asking:** "How are my earnings doing?"
  </Accordion>

  <Accordion title="get_spending_analysis_data">
    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"
  </Accordion>

  <Accordion title="get_card_overview_data">
    Your card activity in one call: all cards and recent card transactions.

    **Try asking:** "Show me my cards and recent card spending"
  </Accordion>

  <Accordion title="get_points_rewards_data">
    Your points and referrals in one call: points balance, recent activity, referral code, and referees.

    **Try asking:** "What's my points and referral status?"
  </Accordion>

  <Accordion title="get_payment_readiness_data">
    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?"
  </Accordion>

  <Accordion title="get_security_checkup_data">
    A security checkup in one call: passkeys, recovery contacts, and security-related settings.

    **Try asking:** "Run a security checkup on my account"
  </Accordion>
</AccordionGroup>

## Server

<AccordionGroup>
  <Accordion title="health">
    Check the MCP server status, uptime, and version. No authentication required.

    **Try asking:** "Is the Moneda server running?"
  </Accordion>
</AccordionGroup>

## Learn more

<CardGroup cols={2}>
  <Card title="Write tools" icon="pen" href="/tools/write-tools">
    Tools for payments, categorization, account updates, and on-chain card freeze/unfreeze.
  </Card>

  <Card title="Use cases" icon="lightbulb" href="/use-cases">
    Real examples of what you can do with these tools.
  </Card>
</CardGroup>