Moneda MCP server

• Registry namecom.moneda/mcpverified in the MCP registry

The registry name sits under moneda.com. The registry only lets a publisher use that namespace after proving control of the domain through DNS or HTTP.

• Stateanswerschecked 2026-10-27
• Tools138
• Server calls itselfmoneda-mcp
• Server version0.14.0
• Protocol version2025-06-18

On 2026-10-27 the server answered initialize and tools/list without a sign-in. First answer in 399 ms.

• Its tools do none of the product's use cases we checked: check what changed in a company's latest filing; compare a stock's valuation and margins with peers.
• Checked on 6 of the 7 days it takes to judge reliability.

Said by rules from the measurements above. The likely first call is a model's pick from the tool list; read its description before relying on it.

• INITE MCP scoreafter a weeka score needs 7 daily checks: 6 so far
• What an agent can do with it0 of 2 use cases
• Answeredmeasuring6 of the 7 daily checks it takes to print a share
• Median first answer730 ms
• Space in an agent's context≈ 28,476 tokensthe definitions of all its tools (138), which an agent carries on every turn
• Tool definitionsA · 99 of 100
• Typed results0 of 138 toolsdeclared outputSchema: results come typed, read once

• Parameters without a description: in 7 of 138

A program checks the server once a day: initialize and tools/list, no model. Tokens are the definitions' length at about four characters a token. The grade averages six checks of every tool's name, description, schema and annotations; it says how well the tools are described, not whether they work. The score weighs what was measured and nothing else: answering (25%), doing the product's job (25%), definitions (20%), context (10%), use (10%) and how readily a client connects (10%). A part that was not measured is left out, and a hidden instruction caps the score at 40. The state of vendors' MCP servers: method and numbers →

• health

  Check the health and status of the Moneda MCP server

• search_knowledge

  Search the Moneda knowledge base (FAQ) for answers to questions about Moneda's features, fees, security, accounts, earnings, deposits, withdrawals, legal info, and more. Use this whenever a user asks about how Moneda works.

• list_faq_categories

  List the FAQ table of contents: every category (slug, name) with each item's id and question. Use an id with get_faq_item for the full answer.

• get_faq_category

  Get all FAQ items in a specific category. Use the moneda://knowledge resource to discover available category slugs.

• get_faq_item

  Get a specific FAQ item by ID, including its full answer and resolved related questions. Use this after search_knowledge or get_faq_category to drill into a specific question.

• get_balance

  Get the user's account balances (USD Account, EUR Account, CHF Account, CAD Account, MXN Account, USD Earnings, EUR Earnings, USD Smart Earnings, EUR Smart Earnings), optionally filtered by currency. CHF, CAD, and MXN rows only appear for…

• get_wallet

  Get the user's Moneda smart wallet address on Base network. IMPORTANT: Only supports USDC, EURC, CHFAU, CADD, and MXNB on Base — other tokens or chains will result in permanent loss of funds. For Moneda-to-Moneda transfers, prefer sharing…

• get_transactions

  Get transaction history including card programme activity. Standard format returns JSON; tax_export returns a compact CSV with full unmasked addresses, token contracts, vault tokens, sender/recipient details, and tax labels…

• get_spending_by_type_group

  Get spending grouped by transaction type group (transfer, exchange, deposit, withdrawal, earnings, topup, offramp) for a 7/30/90-day window. Includes period-over-period comparison. For finer breakdowns by user-assigned category, contact…

• get_exchange_rate

  Get the current exchange rate between two currencies

• get_lifetime_savings

  Get your lifetime accumulated savings from using Moneda — total fees Moneda covered on your behalf (sponsored network fees + on/off-ramp fees) plus your plan's fee discount vs the Standard plan. This is NOT a balance: never answer "how…

• list_bills

  List the user's bills (AP queue), ordered 'due-soon first' (dueDate ASC NULLS LAST, id DESC). Filter by `status[]` — defaults to `['PENDING']`. Cursor-paginated; pass `nextCursor` from the previous page back as `cursor` to advance. Each…

• get_bill

  Fetch a single bill by id with full extracted detail — merchant (name, taxId, address), total, currency, due date, invoice number, vendor IBAN/BIC/routing/account, payment status, and a presigned `downloadUrl` valid for ~15 minutes.

• get_apy_rates

  Get the current APY (Annual Percentage Yield) rates for Moneda earnings products. Morpho Earnings is a DeFi lending vault and YO Smart Earnings is a higher-yield vault. USD and EUR have both Morpho and YO vaults; MXN has a Morpho-only…

• 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 (timestamp, earnings, balance) plus totalEarnings and netDeposits summaries.

• update_display_name

  Update the authenticated user's display name

• set_passkey_label

  Rename a passkey so it is recognisable in the security screen (e.g. 'Work laptop'). Pass the passkey id from get_passkeys. Cosmetic only — it cannot add, remove, or weaken a credential. Send an empty label to clear it back to the provider…

• set_help_improve_moneda

  Set whether the user's conversations with Moneda AI may be used to train Moneda's own models (the Settings > Privacy toggle). enabled=false turns it off; enabled=true turns it back on. The choice applies to what the user sends from then…

• update_settings

  Change the user's decimal separator (DOT = 1,234.56, COMMA = 1.234,56), or opt in or out of marketing and product-update emails and push notifications. Pass only what the user asked to change; at least one field. Security and…

• get_points_balance

  Get the user's current points balance from the rewards program

• get_points_activity

  Get the user's points activity history showing what actions earned or spent points

• get_referral_code

  Get the user's unique referral code and referral count

• get_referees

  Get the list of users this user has referred to Moneda

• get_virtual_accounts

  Get the user's virtual bank account details (IBAN and ACH), payment capabilities, and activation status. Minimum transfer: €1 for EUR (IBAN/SEPA) and $1 for USD (ACH).

• get_virtual_account_limits

  Get how much of the user's Iron virtual-account spending limit is left, per direction (deposit = money in, withdrawal = money out), on a rolling 52-week window. Also reports whether Iron is currently requesting enhanced due diligence…

• get_information_requests

  List the compliance information requests (RFIs) Iron/MoonPay has sent the user about their virtual account: status, the open round's questions and any requested documents. Read-only. MoonPay requires the user to answer personally, so…

• get_settlement_estimate

  Get the date a US bank (ACH) transfer would actually settle. Accounts for Iron's 3:00 PM ET same-day cutoff, weekends, AND US federal bank holidays — a transfer sent the afternoon before Thanksgiving does not arrive the next day. Use this…

• get_contacts

  Get the user's contacts: Moneda users they interact with, saved external wallets, and saved bank accounts. Each wallet and bank entry has a contactAccountId field — pass it as the contactAccountId parameter to initiate_payment…

• get_settings

  Get the user's app settings and preferences: language, currency, country, theme, notifications, biometrics, and display options.

• get_recovery_contacts

  Get the user's recovery contacts and the people who have you as their recovery contact (guardian).

• get_passkeys

  Get the user's passkeys (security keys). target='WALLET' (default) lists the smart-account signing keys — id, label, provider, status, masked wallet address, creation date, kind ('primary' = the key from signup, 'backup' = an extra key…

• get_my_accounts

  Get the user's saved external wallets and bank accounts for withdrawals/off-ramping. Each entry has an accountId field — pass it as the accountId parameter to initiate_payment (transfer_account). These are NOT the user's Moneda wallet…

• update_transaction_category

  Assign a spending category to a transaction. Identify the transaction by its transactionHash from get_transactions.

• add_transaction_note

  Add or update a personal note on a transaction. Identify the transaction by its transactionHash from get_transactions. Maximum 140 characters.

• batch_update_transaction_categories

  Assign spending categories to multiple transactions at once. Accepts up to 25 items. Each item maps a transactionHash to a category. Returns per-item results. Use with get_transactions hasCategory=false to find uncategorized transactions…

• batch_add_transaction_notes

  Add or update notes on multiple transactions at once. Accepts up to 25 items. Each item maps a transactionHash to a note (max 140 chars). Returns per-item results. Use with get_transactions hasNote=false to find unannotated transactions…

• add_wallet

  Add a crypto wallet to the user's saved external accounts. IMPORTANT: The wallet must support USDC, EURC, CHFAU, CADD, and MXNB on the Base network. Sending other tokens or using other chains will result in permanent loss of funds. The…

• add_bank

  Add a bank account to the user's saved accounts. For EU: provide IBAN (and optionally BIC). For US: provide accountNumber, routingNumber, and accountType (CHECKING or SAVINGS). US banks support ACH transfers only. Bank capability is…

• add_contact_external

  Register an external (non-Moneda) contact with their details. EU Travel Rule requires first name, last name, and country of residence. At least one wallet address or bank account must be provided. For wallets, the user must confirm Base…

• add_contact_moneda

  Add a Moneda user to your contacts by their username. If the contact already exists but was deactivated, it will be reactivated.

• search_users

  Search for Moneda users by username, display name, full email, or phone number. Respects user privacy settings — users who have disabled search visibility for specific fields will not appear in results matching those fields. Returns…

• list_banks_for_country

  List the banks Koywe supports for a LATAM country, used when registering a third-party or first-party bank account that requires an explicit bank code (Colombia/PSE, Chile/CLP_BANK, Bolivia/BOB_BANK). Each bank entry has: name (human…

• 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 from the user before calling add_bank, add_contact_external, or initiate_payment. The output is…

• get_payment_quote

  Preview the cost, FX rate, and final amount for moving money between two currencies. Provide exactly one of `amountIn` (what the user sends) or `amountOut` (what they want to receive). Returns the quote ID, exchange rate, fee, and how…

• initiate_payment

  Send money to someone else (a Moneda user, a contact, or an external bank/wallet). Creates a payment request that requires user approval in the Moneda mobile app. Not for converting between the user's own currencies: use…

• initiate_currency_exchange

  Convert money between two of the user's own currency accounts (e.g. USD to EUR). Nothing leaves the user; to pay or send to anyone, use initiate_payment instead. Creates a request the user approves in the Moneda mobile app; the…

• propose_scheduled_payment

  Propose a RECURRING payment (e.g. $50 monthly to a Moneda user or a contact's Base wallet). Creates a draft the user reviews, approves and signs with their passkey in the Moneda mobile app; nothing is sent until then and you never…

• initiate_crypto_trade

  Buy or sell a crypto asset (e.g. cbBTC for Bitcoin, WETH for Ethereum) with the user's own balance. Not for sending money (use initiate_payment) or converting between currencies (use initiate_currency_exchange). The route/venue is chosen…

• initiate_token_buy

  Buy a Base token that is not in initiate_crypto_trade's catalogue, by contract address, spending the user's own USD, EUR, CHF or MXN balance. Use initiate_crypto_trade for catalogue assets (cbBTC, WETH, …). The token must be tradeable on…

• initiate_earnings_move

  Move the user's own money into or out of an earnings vault: DEPOSIT from a currency account into Earnings (MORPHO) or Smart Earnings (YO), WITHDRAW back out. Not for sending money (use initiate_payment), converting currencies (use…

• get_payment_status

  Check the current status of a payment request. Use this to poll for approval after calling initiate_payment. Terminal statuses: COMPLETED, FAILED, EXPIRED, REJECTED.

• pay_x402

  Pay for a resource using the x402 protocol (HTTP 402 Payment Required). When an API returns HTTP 402 with x402 paymentRequirements, use this tool to initiate the payment. The payment requires user approval in the Moneda app before it…

• list_sendable_crypto

  List the crypto held in a Safe that can be sent out: balance (in the token's smallest unit), decimals, USD value where one can be found, and whether the token is allowlisted or merely discovered on LiFi's Base list. Covers the main…

• initiate_crypto_send

  Send crypto out of a Safe — the main account, a vault or a joint account — to a Moneda contact or a raw Base address, for any token the account holds. Not for selling a token (use initiate_crypto_trade), buying one (initiate_token_buy) or…

• list_sub_accounts

  List the user's sub-accounts (vaults / nested Safes). Excludes CLOSED vaults by default; pass includeClosed: true to see archived ones too. Returns id, name, status, type, and the on-chain child Safe address.

• get_sub_account

  Get one sub-account by id with full detail — name, status, type, members, parent + child Safe addresses, deployment index, close timestamp.

• get_sub_account_balance

  Read on-chain balances for a sub-account's child Safe. Pass currency (USDC / EURC / CHFAU / CADD / MXNB) to filter to a single token; omit to get every enabled token. Balances are returned as raw bigint strings — 6 decimals for…

• get_total_wealth

  Aggregate wealth across the user's main account + every live vault. Returns per-leg breakdown (wallet + Morpho + YO for main; wallet-only for vaults) plus per-currency totals (USDC, EURC, CHFAU, CADD, MXNB) and combined totalUsd/totalEur…

• list_sub_account_proposals

  List the OPEN spend / withdraw / membership / threshold requests on a joint account that needs multiple approvals (M-of-N). Returns each request's type, status, amount, how many approvals it has out of the threshold, and who proposed it…

• get_sub_account_proposal

  Get one joint-account request by id, including the per-member approval list (who approved, who rejected, and when). Read-only.

The first 60 of 138, as the server listed them.