FinContext

aid: fincontext-ai
name: FinContext
description: FinContext is a read-only bank-context layer that connects personal bank, credit card and investment accounts
  to AI assistants such as Claude, ChatGPT, Cursor, Cline and Zed over the open Model Context Protocol (MCP). Account access
  is brokered by Plaid and is strictly read-only, so the AI can answer questions like spending pace, runway, savings rate
  and card-benefit utilisation against the account holder's actual numbers rather than pasted CSVs. FinContext LLC publishes
  the service at fincontext.ai, a developer/MCP page at /developers, an llms.txt index and a gated MCP endpoint at /mcp. As
  of the site notice captured on 2026-11-07, FinContext is winding down and no longer accepts new accounts.
accessModel:
  pricing: freemium
  onboarding: self-serve
  trial: false
  try_now: true
  public: false
  gated: none
  gated_source:
  - onboarding
  label: Freemium · Self-serve signup
  confidence: high
  probe_state: gated
  source:
  - plans
  - authentication
  - rate-limits
  - security
  generated: '2026-11-13'
  method: derived
image: https://fincontext.ai/og-image.png
url: https://artifacts.apis.io/fincontext-ai/apis.yml
x-type: company
x-source: harvest:mcp-registry
x-tier: profiled
x-tier-reason: enrichment pass 2026-11-07 (modular-v1; was harvest)
specificationVersion: '0.20'
created: '2026-11-07'
modified: '2026-11-07'
tags:
- Company
- MCP
- Artificial Intelligence
- Personal Finance
- Banking
- Plaid
- Fintech
- Read Only
tags_raw:
- Company
- MCP
- Model Context Protocol
- AI
- Personal Finance
- Banking
- Plaid
- Fintech
- Read-Only
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: RateLimits
  url: rate-limits/fincontext-ai-rate-limits.yml
- type: Plans
  url: plans/fincontext-ai-plans-pricing.yml
- type: Conventions
  url: conventions/fincontext-ai-conventions.yml
- type: Authentication
  url: authentication/fincontext-ai-authentication.yml
- type: Lifecycle
  url: lifecycle/fincontext-ai-lifecycle.yml
- type: ErrorCatalog
  url: errors/fincontext-ai-problem-types.yml
- type: Conformance
  url: conformance/fincontext-ai-conformance.yml
- type: LLMsTxt
  url: llms/fincontext-ai-llms.txt
- type: MCPServer
  url: mcp/fincontext-ai-mcp.yml
- type: WellKnown
  url: well-known/fincontext-ai-well-known.yml
- type: Hosts
  url: hosts/fincontext-ai-hosts.yml
- type: Vendors
  url: vendors/fincontext-ai-vendors.yml
- type: VulnerabilityDisclosure
  url: security/fincontext-ai-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/fincontext-ai-domain-security.yml
- type: Website
  url: https://fincontext.ai/
- type: DeveloperPortal
  url: https://fincontext.ai/developers
- type: Documentation
  url: https://fincontext.ai/developers
- type: SignUp
  url: https://fincontext.ai/signup
- type: Login
  url: https://fincontext.ai/login
- type: TermsOfService
  url: https://fincontext.ai/terms
- type: PrivacyPolicy
  url: https://fincontext.ai/privacy
- type: Security
  url: https://fincontext.ai/security
- type: GitHubOrganization
  url: https://github.com/fincontext
- type: LLMsTxt
  url: https://fincontext.ai/llms.txt
apis:
- name: FinContext MCP
  description: Read-only personal-finance MCP server. The provider's own llms.txt documents 10 MCP tools (balances, transactions,
    categories, update, stat, sync, link_bank, status, feedback, help) that AI clients call over JSON-RPC at https://fincontext.ai/mcp,
    with account data brokered by Plaid (read-only OAuth). The endpoint requires a per-user Bearer API token minted by POST
    /api/agent-signup or /api/agent-login; an anonymous MCP tools/list to the documented endpoint returned HTTP 401 Unauthorized
    on 2026-11-07, so the live tool schemas are only reachable after authentication.
  humanURL: https://fincontext.ai/developers
  baseURL: https://fincontext.ai/mcp
  tags:
  - MCP
  - Personal Finance
  - Plaid
  - Read Only
  tags_raw:
  - MCP
  - Model Context Protocol
  - Personal Finance
  - Plaid
  - Read-Only
  aid: fincontext-ai:fincontext-mcp
x-coverage:
  state: gated
  reason: auth-required
  detail: The only machine-readable surface FinContext publishes is its MCP endpoint at https://fincontext.ai/mcp; an anonymous
    JSON-RPC tools/list to that documented endpoint returns 401 Unauthorized, and tokens are minted only by signing up for
    an account (FinContext's own site notice says it is winding down and no longer accepting new accounts). No OpenAPI, AsyncAPI,
    GraphQL, gRPC or WSDL contract is published on fincontext.ai, api.fincontext.ai, the /developers portal, the llms.txt
    index or the fincontext GitHub organization.
  evidence:
  - url: https://fincontext.ai/mcp
    status: 401
  - url: https://fincontext.ai/developers
    status: 200
  - url: https://fincontext.ai/llms.txt
    status: 200
  checked: '2026-11-07'
x-enrichment:
  date: '2026-11-07'
  status: enriched
  artifacts_added: 20
  pass: modular-v1
  engine: identity=anthropic,contract=anthropic,surfaces=anthropic,docs=anthropic,regulatory=anthropic