# FoundMoney (remote · found-money.dropwatchhq.com)

Search open US class-action settlements to claim + official free state unclaimed-money portals.

- Trust score: 59/100 (low)
- Change this week: +1
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-08-03

## Components

- remote · `found-money.dropwatchhq.com`: 59/100 (this document), [markdown](https://verifymcp.io/servers/com-dropwatchhq-found-money/found-money.md), [page](https://verifymcp.io/servers/com-dropwatchhq-found-money/found-money)

## Channel facts

- Endpoint: `https://found-money.dropwatchhq.com/mcp`
- Transports: `streamable-http`
- Auth: `none`
- Version: `1.0.0`

## Trust breakdown

How this component scores in each security and reliability category. Every signal is checked automatically against the live server, and we only credit what we can confirm. Scores are 0–100 per category. Scoring method: https://verifymcp.io/docs/scoring (what has changed: https://verifymcp.io/docs/scoring/changelog)

Scored 2026-08-03.

- **Endpoint Security**: 46/100
  - The endpoint's TLS certificate is valid, in date, and uses a strong key.
  - Authorisation not fully verified: no authorisation is required to call this server, and 2 tool(s) never declared a destructiveHint. The MCP spec treats an absent hint as destructive by default, so we cannot call this surface safe.
  - HTTPS check failed: the endpoint is reachable over plaintext HTTP.
  - HSTS check failed: the Strict-Transport-Security header is absent.
  - DNSSEC check failed: this domain isn't protected by DNSSEC.
- **Transport & Reachability**: 100/100
  - Verified streamable-http transport via a live MCP handshake.
- **Schema Quality & AI Usability**: 80/100
  - AI-judged instruction clarity (excellent).
  - Tool/resource definitions use about 273 tokens (~136/item across 2 items; 2 tools + 0 resources), lean.
  - Usage-examples check failed: none of the tools include examples.
- **Stability & Change Management**: 27/100
  - Stability observed for 8 of 30 days with no destabilising changes; credit accrues until the full window elapses.
- **Tool Coverage**: 100/100
  - 100% of tools have a non-trivial description (not blank, and not just the tool's name).
  - 100% of tool parameters carry a description.
- **Capabilities**: 20/100
  - Spec-recency check failed: implements MCP spec 2024-11-05; the latest is 2026-07-28.

## Install

### Claude

```bash
claude mcp add --transport http com-dropwatchhq-found-money https://found-money.dropwatchhq.com/mcp
```

### Codex

```toml
[mcp_servers.com-dropwatchhq-found-money]
url = "https://found-money.dropwatchhq.com/mcp"
```

### opencode

```json
{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "com-dropwatchhq-found-money": {
      "type": "remote",
      "url": "https://found-money.dropwatchhq.com/mcp",
      "enabled": true
    }
  }
}
```

### OpenClaw

```bash
openclaw mcp add com-dropwatchhq-found-money --url https://found-money.dropwatchhq.com/mcp --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  com-dropwatchhq-found-money:
    url: "https://found-money.dropwatchhq.com/mcp"
```

### Other

```json
{
  "mcpServers": {
    "com-dropwatchhq-found-money": {
      "type": "http",
      "url": "https://found-money.dropwatchhq.com/mcp"
    }
  }
}
```

The mcpServers block is a cross-client convention. Remote transports vary, so check your client's docs.

## Changelog

Every change recorded for this component, newest first. Days that predate change tracking, or that we cannot explain, say so: "we were watching and nothing happened" and "we were not watching" are different claims.

### 2026-08-02 (score 59, +1)

No change was recorded against any check on this day. Stability & Change Management went from 20 to 23. That category is still filling its 30-day observation window: 6 days of observed history at the previous scan, 7 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-07-31 (score 58, −2)

- [functional] We updated how we score, so this day's move reflects our rubric, not a change to the server

### 2026-07-30 (score 60, 0)

- [functional] We updated how we score, so this day's move reflects our rubric, not a change to the server

### 2026-07-29 (score 60, +1)

No change was recorded against any check on this day. Stability & Change Management went from 7 to 10. That category is still filling its 30-day observation window: 2 days of observed history at the previous scan, 3 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-07-28 (score 59, +1)

No change was recorded against any check on this day. Stability & Change Management went from 3 to 7. That category is still filling its 30-day observation window: 1 days of observed history at the previous scan, 2 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-07-27 (score 58, 0)

- [functional] We updated how we score, so this day's move reflects our rubric, not a change to the server

### 2026-07-26 (score 58)

First indexed and scored.

## MCP tools (2)

### `search_settlements` (~189 tokens)

Search currently-open US class-action settlements you may be able to claim for free. Filter by keyword (company/brand), category (e.g. data-breach, privacy, junk-fees), and whether proof is required. Returns each settlement's payout, claim deadline, days-left, proof requirement, category, and official claim URL. Sorted by soonest deadline. Use to find money a user may be owed.

Input parameters:

- `category` (string): Category slug filter, e.g. 'data-breach', 'privacy', 'junk-fees', 'auto-vehicle'.
- `keyword` (string): Company/brand or topic to match, e.g. 'Equifax' or 'breach'.
- `limit` (number): Max results (default 20, max 100).
- `noProofOnly` (boolean): If true, only return settlements that appear to need no purchase proof.

### `unclaimed_money_portal` (~84 tokens)

Get the official, free unclaimed-property (unclaimed money) search portal for a US state plus the national NAUPA/missingmoney.com link. Use to direct someone to where they can search for forgotten bank accounts, refunds, etc.

Input parameters:

- `state` (string, required): State name or 2-letter code, e.g. 'Texas' or 'TX'.

## Diagnostics

Captured diagnostic sections: TLS, DNSSEC, Authorisation, Transports. The full working is on the page: https://verifymcp.io/servers/com-dropwatchhq-found-money/found-money#diagnostics

## Score history

- 2026-08-03: 59
- 2026-08-02: 59
- 2026-08-01: 58
- 2026-07-31: 58
- 2026-07-30: 60
- 2026-07-29: 60
- 2026-07-28: 59
- 2026-07-27: 58
- 2026-07-26: 58

## Links

- Remote endpoint: https://found-money.dropwatchhq.com/mcp
- Website: https://found-money.dropwatchhq.com/
- Changelog RSS feed: https://verifymcp.io/servers/com-dropwatchhq-found-money/found-money/changelog.xml
- Changelog JSON feed: https://verifymcp.io/servers/com-dropwatchhq-found-money/found-money/changelog.json
- HTML version of this page: https://verifymcp.io/servers/com-dropwatchhq-found-money/found-money