# PlugCat (remote · plugcat.com)

Check if a US bank, credit union or brokerage connects to Monarch, YNAB and other finance apps

- Trust score: 71/100 (medium)
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-11-05

## Components

- remote · `plugcat.com`: 71/100 (this document), [markdown](https://verifymcp.io/servers/com-plugcat-plugcat/plugcat.md), [page](https://verifymcp.io/servers/com-plugcat-plugcat/plugcat)

## Channel facts

- Endpoint: `https://plugcat.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 2026-11-05.

- **Endpoint Security**: 74/100
  - The endpoint's TLS certificate is valid, in date, and uses a strong key.
  - No authorisation is required to call this server. Every tool declares its destructiveHint and none is destructive, so open access doesn't expose one.
  - HTTPS is enforced; there's no plaintext access path.
  - 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**: 72/100
  - AI-judged instruction clarity (good).
  - Context-footprint check failed: tool/resource definitions use about 539 tokens (~134/item across 4 items; 4 tools + 0 resources), over budget; trim descriptions and params.
  - Usage-examples check failed: none of the tools include examples.
- **Stability & Change Management**: 7/100
  - Stability observed for 2 of 30 days with no destabilising changes; credit accrues until the full window elapses.
- **Tool Coverage**: 96/100
  - 100% of tools have a non-trivial description (not blank, and not just the tool's name).
  - 89% of tool parameters carry a description.
- **Tool Safety**: 100/100
  - No prompt-injection markers were found in the server instructions, tool names or descriptions we captured.
  - We read all 4 captured tool definition(s), and no name or description among them implies an irreversible operation.
  - An AI judge read all 5 captured unit(s) of tool text and found none that tries to manipulate the model reading it.
- **Capabilities**: 100/100
  - Implements a supported MCP spec version (2025-11-25); the latest is 2026-07-28.

## Install

### How do I install the PlugCat MCP server?

PlugCat is a hosted endpoint at https://plugcat.com/mcp, so there is nothing to install locally. Ready-made configuration for Claude, Cursor, VS Code, Codex and 5 more is on this page, copied from each client's own documentation.

### Claude

```bash
claude mcp add --transport http com-plugcat-plugcat 'https://plugcat.com/mcp'
```

### Cursor

```json
{
  "mcpServers": {
    "com-plugcat-plugcat": {
      "url": "https://plugcat.com/mcp"
    }
  }
}
```

### VS Code

```json
{
  "servers": {
    "com-plugcat-plugcat": {
      "type": "http",
      "url": "https://plugcat.com/mcp"
    }
  }
}
```

### Codex

```toml
[mcp_servers.com-plugcat-plugcat]
url = "https://plugcat.com/mcp"
```

### opencode

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

### OpenClaw

```bash
openclaw mcp add com-plugcat-plugcat --url 'https://plugcat.com/mcp' --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  com-plugcat-plugcat:
    url: "https://plugcat.com/mcp"
```

### Netclaw

```json
{
  "McpServers": {
    "com-plugcat-plugcat": {
      "Transport": "http",
      "Url": "https://plugcat.com/mcp"
    }
  }
}
```

### Vellum

```bash
assistant mcp add com-plugcat-plugcat -t streamable-http -u 'https://plugcat.com/mcp'
```

### Other

```json
{
  "mcpServers": {
    "com-plugcat-plugcat": {
      "type": "http",
      "url": "https://plugcat.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.

### 2026-11-04 (score 71, +1)

- [functional improvement] Stability: unverified → 0.03

### 2026-11-03 (score 70)

First indexed and scored.

## MCP tools (4)

### `check_institution` (~178 tokens)

Check an institution

Find a bank, credit union or brokerage by name and say which finance apps likely connect to it. Pass `app` to focus on one app. If several institutions share the name, the largest is used and the others are listed; pass `state` or call get_institution with the right URL.

Input parameters:

- `app` (string): Optional app name or slug: rocket-money, lunch-money, monarch, copilot, ynab, simplifi, tiller, pocketguard, empower, wave, xero, quickbooks.
- `kind` (string): Only return this kind of institution.
- `name` (string, required): Institution name or brand, e.g. "Chase", "Navy Federal", "Fidelity".
- `state` (string): Two-letter US state code, e.g. "TX", to narrow common names.

### `search_institutions` (~109 tokens)

Search institutions

Search 8,500+ US banks, credit unions and brokerages by name (and optionally city). Returns matches with their Plaid status and page URLs, largest institutions first.

Input parameters:

- `kind` (string): Only return this kind of institution.
- `limit` (integer)
- `query` (string, required): Name, brand or "name city", at least 2 characters.
- `state` (string): Two-letter US state code, e.g. "TX", to narrow common names.

### `get_institution` (~91 tokens)

Get an institution

Full app-by-app results for one institution: status and reason per app, the name to search for in the app, FAQs and identifiers. Takes a URL or path from search_institutions.

Input parameters:

- `url` (string, required): Page URL or path, e.g. "https://plugcat.com/bank/jpmorgan-chase-bank/" or "/credit-union/navy-federal-credit-union/".

### `list_apps` (~36 tokens)

List finance apps

The finance apps PlugCat tracks: budgeting apps and accounting tools, the bank-data providers each uses, prices and whether they link investment accounts.

## Diagnostics

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

## Score history

- 2026-11-05: 71
- 2026-11-04: 71
- 2026-11-03: 70

## Common questions

### What is the PlugCat MCP server?

PlugCat is an MCP server listed in the public MCP registry as com.plugcat/plugcat. Check if a US bank, credit union or brokerage connects to Monarch, YNAB and other finance apps. This page covers its hosted endpoint (https://plugcat.com/mcp).

### Is the PlugCat MCP server safe to use?

PlugCat scores 71 out of 100 on VerifyMCP. That is a record of what we were able to check automatically, not an endorsement. The category breakdown on this page shows every signal behind the number, including the ones we could not confirm.

### What tools does the PlugCat MCP server expose?

PlugCat exposes 4 tools: check_institution, search_institutions, get_institution, list_apps. Their descriptions and schemas cost roughly 414 tokens of context every time the server is loaded.

### Does the PlugCat MCP server require authentication?

No. We connected to PlugCat without credentials and it answered, so anything it exposes is reachable by anyone who knows the address.

### Is the PlugCat MCP server still maintained?

PlugCat is still listed as active in the MCP registry. We last reached this channel on 5 November 2026. Those dates come from our own scans of the registry and the channel itself, not from anything the publisher announced.

## Links

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