Moneda

Read the config for redeeming Moneda Points into AI usage credits: the points-per-$1 rate, the minimum redemption, the monthly cap, the user's current points balance, and how much of the monthly allowance is left. Call this before redeem_points to price and gate a redemption.

Fetch points and referral data in one call: points balance, recent activity, referral code, and referees. Use this instead of calling get_points_balance + get_points_activity + get_referral_code + get_referees separately.

Fetch a single receipt by id with full extracted fields (merchant, total, currency, tax breakdown, line-item count) plus a presigned `downloadUrl` valid for ~15 minutes. Use this when the user asks about a specific receipt or to surface the file URL to the LLM context.

List the parsed line items on a receipt — description, quantity, unitPrice, totalPrice, taxRate, and category. Useful for spend-by-product breakdowns or itemized review of an invoice.

Get the recovery configuration for an account: accepted recovery emails, total weight, and the threshold required to approve a recovery. The threshold is a fixed number that must match the on-chain Universal Email Recovery Module config.

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

Get one recovery email's full detail by id — email, weight, status, timestamps, notes, and the on-chain account address it protects.

Get the most recent ZK email recovery request snapshot for an account. Returns hasActiveRecovery: false when no recovery exists or the latest is in a terminal state (cancelled/completed/expired); otherwise returns recovery details including approved/pending recovery emails (anonymized as a***@domain) and time until executable. Reads from DB only — agents tolerate the slight lag while the cron syncs on-chain state.

Get the list of users this user has referred to Moneda

Get the user's unique referral code and referral count

Fetch security checkup data in one call: passkeys, recovery contacts, and security-related settings. Use this instead of calling get_passkeys + get_recovery_contacts + get_settings separately.

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

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 to answer 'when will my money arrive?' instead of saying 'next business day'. USD/ACH only; Iron publishes no equivalent cutoff for EUR/SEPA.

Fetch spending analysis data in one call: spending by type group, daily totals, and category breakdown for a period. Use this instead of calling get_spending_by_type_group + get_daily_spending + get_spending_by_category separately. All totals are in USDC units (26.5 means 26.50).

Get spending grouped by user-assigned transaction category over a window. Transactions without a category land in an 'UNCATEGORIZED' bucket. Amounts are in currency units (26.5 means 26.50), like `get_transactions`.

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 (recipientAccountId). Amounts are in currency units (26.5 means 26.50), like `get_transactions`.

Get spending grouped by recipient/merchant. Each Moneda user gets their own bucket; off-ramps share a single bucket per type (bank-withdrawal, external-wallet, coinbase, wallet-connect). Amounts are in currency units (26.5 means 26.50), like `get_transactions`.

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, or merchant, use get_spending_by_category / get_spending_by_contact / get_spending_by_merchant. (This tool was previously named get_spending_summary.)

Compare total spending across two arbitrary windows (e.g. this month vs last month, year-over-year). Returns absolute and percentage deltas; deltaPct is null when previous total is 0. Amounts are in currency units (26.5 means 26.50), like `get_transactions`.

List the underlying spending transactions for a window. Optionally drill down into a category bucket (bucketKind='category', bucketId=CategoryType or 'UNCATEGORIZED') or a merchant bucket (bucketKind='merchant', bucketType=..., bucketId=user UUID for type='user'). Paginated via take/skip. Amounts are in currency units (26.5 means 26.50), like `get_transactions`.

Check the status of your most recent balance-statement request. When READY, returns a time-limited PDF download URL. Not tax advice.

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

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 USDC/EURC/CHFAU/MXNB, 18 for CADD.

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

Generate (idempotently) the ZUGFeRD plan invoice PDF for a single subscription charge and return a 1-hour presigned download URL. 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 row. The user must own the underlying charge. Returns `{ invoiceNumber, downloadUrl }`.

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 grand totals. USDC/EURC are cross-converted using the on-chain Aerodrome rate; CHFAU, CADD and MXNB keep their own columns but are also folded into totalUsd/totalEur using their fiat rates (MXNB via its Aerodrome pool). MXNB includes the Juno MXNB Prime Morpho vault. `stocksUsd` is the value of stocks and ETFs in the brokerage account at the latest delayed quote, and `cryptoUsd` the value of crypto held in the main account and every vault at the current reference price (both 6-decimal USD; null means it could not be priced, not zero). The app's Total wealth adds both on top of the currency totals; the app prices crypto at what selling now would return, so its figure can differ slightly. `stockPositions` and `cryptoPositions` list each held asset (symbol, quantity in whole units, valueUsd, costUsd, realizedUsd): use them for 'how much crypto do I hold', 'what is my bitcoin worth' (cbBTC) or 'what stocks do I own'. `costUsd` is what the user paid for the position, so valueUsd minus costUsd is how much they are up or down; null means the cost is not on record (for example tokens received from outside), so do not report a gain or loss for it. `realizedUsd` is the profit or loss the user already locked in by selling part of that position (negative for a loss), separate from the unrealized figure: quote it for 'how much have I made selling X'; null means it is not on record, so say so rather than zero. `closedStockPositions` lists stocks and ETFs the user has sold all of, each with `realizedUsd` (what selling it made or lost): use it for 'how did my Tesla trade end up' or 'what have I made on stocks I sold'. `closedCryptoPositions` is the same for crypto the user bought in the app and has fully sold; a token they moved in or out some oth…

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 (Koinly/CoinTracker/TaxBit compatible). Use year for annual tax exports (up to 250 per request). Filter by typeGroup, type, category, currency, dates, counterparty, amount, status, hasNote, hasCategory, hasReceipt, and card. For card queries, pass `card` (matches a card by its last 4 digits like "1234" or by a substring of the card alias like "subscriptions"), `cardId` if you already have the UUID, or `typeGroup: "card"` for activity across all cards. CARD_* rows include merchantName, MCC, country, and last4.

Number of unread in-app notifications for the user. Cheaper than list_notifications when the agent only needs the count to answer 'do I have anything new?'.

Companies that have filed with the SEC to go public in the US (S-1 or F-1) and have not listed yet: name, stage (filed, priced or listed), proposed ticker, website, and first and latest filing dates. Use for "what IPOs are coming up?" or "is X going public?". Nothing on the list can be bought until it lists; to follow one and be alerted when it prices, send the user to the IPO page under Invest in the Moneda app. Returns available:false when market data is off for the user.

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 (EDD). Crossing a limit does NOT reject the transfer: Iron PAUSES it and gives the user 24 hours to supply a Source-of-Wealth document, so check this BEFORE proposing a large deposit or withdrawal. `rfiRequired: true` means Iron has an open information request waiting on the user's answers (see get_information_requests). `missingRequirements` (only while `eddRequired`) lists the Iron requirement codes still outstanding, e.g. `kyc_questionnaire`, `kyc_proof_of_residence`: the user finishes them in the Moneda app at Settings > Features and limits. `threshold: null` means the customer has no enforced cap. Thresholds are personalised per customer — never assume a number, always read it here.

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 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 @username (instant, feeless).

Check the health and status of the Moneda MCP server

Import a receipt directly from an https:// URL (S3, Drive shared link, public file host, etc.). The server fetches the file behind an SSRF guard (rejects private IPs, Moneda infra, and non-https), validates it, then runs OCR + matching. Single tool call, no sandbox needed. Use this when the receipt is already accessible at a URL.

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 sending money (initiate_payment). Amounts are in the token's own smallest unit (atoms): call list_sendable_crypto first and use its `decimals` and `address`. Creates a request the user reviews, approves and signs in the Moneda mobile app — nothing moves until they do. After calling, poll get_payment_status.

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 by the server. Creates a request the user reviews at the live price, approves and signs in the Moneda mobile app. After calling, poll get_payment_status.

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 destination is the user's own account in toCurrency. Check balance with get_balance first. After calling, poll get_payment_status.

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 initiate_currency_exchange) or trading (use initiate_crypto_trade). YO has USD and EUR vaults; MORPHO has USD, EUR and MXN. Check balances with get_balance and rates with get_apy_rates first. Creates a request the user approves and signs in the Moneda mobile app. After calling, poll get_payment_status.

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 for that. Look up the recipient first via search_users, get_my_accounts, or get_contacts. Check balance with get_balance before calling. After calling, poll get_payment_status. Bank transfers require an active Iron account and a registered autoramp.

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 Base via LiFi. Creates a request the user reviews at the live price, approves and signs in the Moneda mobile app. After calling, poll get_payment_status.

List the user's active login sessions (signed-in devices and clients: mobile app, web, CLI, API) and connected agents (MCP integrations). Use this to answer 'what devices am I signed in on?' or before terminating a session. Each login session has an `id` (pass to terminate_session), a `type`, device/location info, and `lastActive`. Each connected agent has an `id` (pass to disconnect_connected_service) and `isThisConnection: true` marks the agent making this call.

List your scoped autonomous agent sessions, newest first, with status, policy, remaining period cap, and expiry. Filter by status to find ACTIVE sessions ready to execute against.

List the API keys on the account: name, prefix (first 12 characters), scopes, last use, expiry, and whether each is still active. The secret itself is stored hashed and is never returned here — it is shown only once, when the key is created.

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 label), value (Koywe entity code — pass back as bankCode), and domain (for logo display). Mexico/Argentina/Peru also return banks but those rails resolve the bank from the account number automatically.

List German hospitality-receipt (Bewirtungsbeleg) overlays attached to the user's transactions. Each row carries the underlying transactionId, date, location, occasion, total/tip/subtotal split, deductible vs non-deductible amounts, and signing state. Pass `transactionHash` (from `get_transactions`) to scope to one transaction. Default page 20, max 100.

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 row carries the extracted merchant, total, currency, invoice number, and due date.

List the user's crypto conditional orders (LIMIT / STOP_LOSS / TAKE_PROFIT / TRAILING_STOP, settled via CoW), newest first. Each has status (PENDING_ACTIVATION / ARMED / PUBLISHED / FILLED / CANCELLED / EXPIRED), side, assetSymbol, triggerPrice or trailPercent, raw-unit sellAmount / minBuyAmount, expiresAt and skipReason (why the keeper last did not act, e.g. insufficient_balance). Orders can only be created in the Moneda app.

List self-issued substitute receipts (Eigenbeleg) — used when the original receipt for a transaction was lost or never issued. Each row carries the linked transactionId, recipientName, amount, reason, and signing state. Pass `transactionHash` (from `get_transactions`) to scope to one transaction. Default page 20, max 100.

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.

List the replies the user sent to messages from Moneda, newest first: text, the message title, and the attached document's name if any. Returns up to `limit` items (default 20, max 50) with a `nextCursor` for pagination.