Moneda

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 verified before saving.

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 network USDC/EURC/CHFAU/CADD/MXNB support before saving.

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

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

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 user MUST confirm they understand this before the wallet is saved — set confirmed=true only after explicit user acknowledgment.

Execute a payment to an ACTIVE agent session's pinned recipient, within its on-chain spending policy — no per-payment user approval. The recipient and amount must satisfy the session's allowlist and per-execution / per-period caps, and the child Safe must hold enough balance. For safe retries pass a stable idempotencyKey: retrying with the SAME key returns the original transaction instead of double-spending. WITHOUT an idempotencyKey, retries are only de-duplicated within a ~30s window — a delayed retry (e.g. after a bundler/network timeout) could send a second payment. Call get_agent_session first to confirm the session is ACTIVE and check remainingPeriodCap.

File an unattached receipt against a transaction. A transaction holds at most ONE receipt, so this returns a conflict if another is already attached — detach that one first. Also clears any pending match suggestion, since the user has now decided.

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 first.

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 first.

Cancel a crypto conditional order rule: every open repeat (PENDING_ACTIVATION, ARMED, PUBLISHED or WAITING) of the order's rule is cancelled, so passing any repeat's id stops the whole repeating rule. A PUBLISHED order is live in the CoW order book: it is withdrawn on-chain first, then marked CANCELLED; if the withdrawal fails the order stays live and the call errors (retry). Filled, cancelled or expired orders return a conflict error. Confirm with the user before calling.

Accept the matcher's suggested transaction for a receipt, promoting the soft suggestion to a real attachment. Suggestions exist when the match score was too low to attach automatically — read `suggestedTransactionId` / `suggestedMatchScore` from get_receipt and check the suggestion with the user before confirming.

Create a scoped autonomous payment session bound to your agent. The user pre-funds a dedicated child Safe and installs an on-chain spending policy (single pinned recipient, per-execution and per-period caps) with a passkey in the Moneda app. After that you can call agent_execute_payment repeatedly within the policy — no per-payment approval. This call does NOT activate the session: it returns a counterfactual child Safe address and an activation deep link the user must open in the Moneda app. Poll get_agent_session until status is ACTIVE before executing.

Create an API key for a script, the CLI, or an integration. Returns the secret ONCE — it cannot be retrieved again, so hand it to the user immediately and tell them to store it somewhere safe. Maximum 10 active keys. The key can only carry scopes this connection already holds, and payment scopes are never available on an API key.

Permanently delete a receipt and its stored file. This is a HARD delete — the row, its line items, and any Bewirtungsbeleg/Eigenbeleg overlay go with it, and there is no undo and no recycle bin. Confirm with the user before calling. To move a receipt to a different transaction use detach_receipt + attach_receipt instead; deleting loses the extraction.

Unlink a receipt from its transaction, leaving the receipt itself intact as an orphan. Use this to correct a wrong match, or to free a transaction so a different receipt can be attached. Does NOT delete anything.

Disconnect a connected agent (MCP integration) by id (from list_active_sessions) or by its OAuth client id. Revokes its access immediately. If you disconnect the agent making this call, this connection ends.

Step 2 of 2 for uploading a local receipt file. Pass the `uploadKey` returned from `request_receipt_upload` AFTER you've executed the `curlCommand` to PUT the file to S3. Validates the staged file, runs OCR + LLM extraction, attempts to auto-match to an existing transaction, and persists line items. Returns `receiptId`, optional `billId` (for invoice-shaped docs), and `matched`/`suggested`/`transactionId`.

Generate a PDF balance statement of your activity (opening/closing balances, transactions with home-currency values, fees, FX rates) for a tax year or date range. Async: returns a requestId immediately — poll get_statement_status until it is READY to get a time-limited download link. Not tax advice.

Fetch complete account overview in one call: balances, recent transactions (last 7 days), and current APY rates. Use this instead of calling get_balance + get_transactions + get_apy_rates separately.

Get one agent session's full detail by id: status, spending policy, remaining period cap, and the 5 most recent executions. Poll this after create_agent_session until status is ACTIVE.

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 vault (no YO). CHF and CAD are accepted at the parameter boundary for consistency but currently return empty (no yield vault on those currencies yet).

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 users in their staged rollouts (gated by ENABLE_CHFAU, ENABLE_CANADA, and ENABLE_MXNB). Balances are fetched live from the blockchain by default. If blockchain queries fail, returns the latest database snapshot with a notice. Check the 'source' field: 'live' means real-time blockchain data, 'snapshot' means historical data from the last periodic sync. Includes sparkline trend data from recent snapshots and current APY rates for earnings accounts.

Fetch balance check data in one call: all account balances, exchange rates, and APY rates. Use this instead of calling get_balance + get_exchange_rate + get_apy_rates separately.

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 one crypto conditional order by id, with its full status, trigger, amounts and fill details.

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 (transfer_contact_bank / transfer_contact_wallet). Use the contact's username (from the owner field or the username field) as contactUsername.

Get the user's CURRENT subscription plan and how it is billed. Returns hasLiveSubscription, status (TRIALING/PENDING_FIRST_CHARGE/ACTIVE/PAST_DUE/CANCELLED), planType (STANDARD/PREMIUM/ULTRA), billingProvider (ONCHAIN/STRIPE/APP_STORE/PLAY_STORE), billedTo ('balance' | 'card' | 'app_store'; app_store plans are cancelled or changed in the user's Apple or Google account settings, not in Moneda), balanceFundsRenewal (true only for ONCHAIN — a non-zero stablecoin balance is needed for the next renewal; false for STRIPE card plans, where the wallet balance is irrelevant), currency, billingPeriod, periodEnd, cancelledAt. Use this before advising on a low/zero balance: a 0 balance only threatens the subscription when balanceFundsRenewal is true.

Get daily spending totals for a stablecoin over a window. Returns one data point per UTC day with non-zero spending. Amounts are in currency units (26.5 means 26.50), like `get_transactions`.

Check what the user may currently do with tokenized equities (dShares): whether they can trade, which regulatory jurisdiction they are onboarded under, and — if they cannot trade — the ordered list of reasons why. Call this before proposing any stock purchase so the user is told what to fix rather than hitting a failure at approval time.

For a US-jurisdiction user, list what is still outstanding before their brokerage account can be opened: missing profile answers, unaccepted disclosures, and whether a taxpayer id is on file. Returns field NAMES and counts only, never the user's answers. Regulatory disclosures and attestations can only be completed by the user in the Moneda app — this tool tells you what to explain and where to send them, it does not let you supply any of it. A non-US user gets an empty, already-complete result.

Fetch earnings overview data in one call: earnings vault balances, APY rates, and recent earnings transactions. Use this instead of calling get_balance + get_apy_rates + get_transactions(typeGroup=earnings) separately.

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.

Get the current exchange rate between two currencies

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

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.

Fetch comprehensive financial summary data in one call: balances, recent transactions (10), APY rates, and exchange rates. Use this instead of calling 5+ individual tools.

How many commission-free stock trades the user has left this window, without quoting an order. The window steps from their own subscription anniversary, not the calendar month, so quote resetsAt rather than a day of the month. If degraded is true the count could not be read: say so, never state it as fact.

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 NEVER answer on their behalf or draft answers for them to paste: tell them to open the Moneda app at Settings > Features and limits and respond to the information request there. While a request is waiting on a response, transfers may be held.

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 much have I saved" from wallet or vault amounts. Returns the total AND its three components, so you can say where the savings came from.

Is a stock market open, and when does it change? Defaults to the US. Pass exchange (an EODHD code: XETRA, F, LSE, PA, AS, BR, LS, MI, MC, SW, CO, ST, HE, OL, VI, IR, SN) or a symbol with that suffix (SAP.XETRA) for a European or the Santiago exchange. Returns the current session (pre_market, open, after_hours or closed; exchanges outside the US have only open and closed), whether today is a trading day, any holiday or early close, the trading day's windows as ISO instants, and the next session change. Render the instants in the user's own timezone.

Read one message from Moneda (a notification with type MONEDA_MESSAGE, id from list_notifications): title, body, tone, optional button, attached documents (by index), and `reply`, which is null when no reply is asked for, else says whether a document is none/optional/required. `repliedAt` is set once the user has replied.

Get a download link (valid 10 minutes) for a document Moneda attached to a message. `index` comes from the message's `attachments` list in get_moneda_message.

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 — use get_wallet instead to get the user's actual Moneda smart wallet address.

Fetch all account setup data in one call: wallet address, Moneda account balances, virtual bank accounts, and saved external accounts. Use this instead of calling get_wallet + get_balance + get_virtual_accounts + get_my_accounts separately.

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 added later as a second Safe owner), and onchainStatus (a 'pending' backup exists but cannot sign yet). target='LOGIN' lists the email-login credentials — id, label, status, masked credential id, device, last used, and provider when it could be identified (absent means unknown, including every credential registered before Moneda recorded it). Pass the id plus the same target to set_passkey_label to rename one. This does NOT report which key the app will use for the NEXT signature: that preference is stored only on the user's own device and is not readable through any API, so never infer it from kind or ordering.

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 long the quote stays valid. Use this BEFORE initiate_payment so the user can confirm the rate. Routes internally based on the currency pair — agents don't need to know which provider handles which corridor.

Fetch payment readiness data in one call: KYC status, virtual accounts, external accounts, contact count, and balances. Use this instead of calling 5 individual tools to check payment readiness.

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

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

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