Hlídač spoření
REMOTE · HLIDACSPORENI.CZ
Czech savings accounts and term deposits: effective rates, net yield and conditions. Read-only.
Available components
Last scanned (1 hour ago)
Scores higher than 66% of remote servers
Reachable. Last reached 5 Nov 2026.
Category Finance and Payments
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. How we score → Why this is hard to score →
Endpoint Security83
- The endpoint's TLS certificate is valid, in date, and uses a strong key. View diagnostics → Pass
- No authorisation is required to call this server. Every tool declares its destructiveHint and none is destructive, so open access doesn't expose one. See how to fix → View diagnostics → Partial
- HTTPS is enforced; there's no plaintext access path. View diagnostics → Pass
- The HSTS (Strict-Transport-Security) header is present. View diagnostics → Pass
- DNSSEC is configured correctly; the domain's records validate against the full chain to the root. View diagnostics → Pass
Transport & Reachability100
- Verified streamable-http transport via a live MCP handshake. View diagnostics → Pass
Schema Quality & AI Usability59
- AI-judged instruction clarity (good).Pass
- Context-footprint check failed: tool/resource definitions use about 1303 tokens (~325/item across 4 items; 4 tools + 0 resources), over budget; trim descriptions and params. See how to fix → Fail
- Usage-examples check failed: none of the tools include examples. See how to fix → Fail
Stability & Change Management33
- Stability observed for 10 of 30 days with no destabilising changes; credit accrues until the full window elapses.Partial
Tool Coverage100
- 100% of tools have a non-trivial description (not blank, and not just the tool's name).Pass
- 100% of tool parameters carry a description.Pass
- Structured output schemas are declared (100% of tools); any adoption earns full credit.Pass
Tool Safety100
- No prompt-injection markers were found in the server instructions, tool names or descriptions we captured.Pass
- We read all 4 captured tool definition(s), and no name or description among them implies an irreversible operation.Pass
- An AI judge read all 5 captured unit(s) of tool text and found none that tries to manipulate the model reading it.Pass
Capabilities100
- Implements a current MCP spec version (2026-07-28).Pass
Every change we have recorded for this component, newest first. Security-relevant changes are always shown. ▲ marks a change for the better, ▼ a change for the worse; unmarked changes are neutral.
- 3 Nov 26 +1
No change was recorded against any check on this day. Stability & Change Management went from 23 to 27. That category is still filling its 30-day observation window: 7 days of observed history at the previous scan, 8 at this one. The score rises as the window fills, whether or not the server changes.
- 1 Nov 26 +1
No change was recorded against any check on this day. Stability & Change Management went from 17 to 20. That category is still filling its 30-day observation window: 5 days of observed history at the previous scan, 6 at this one. The score rises as the window fills, whether or not the server changes.
- 30 Oct 26 +1
No change was recorded against any check on this day. Stability & Change Management went from 10 to 13. That category is still filling its 30-day observation window: 3 days of observed history at the previous scan, 4 at this one. The score rises as the window fills, whether or not the server changes.
- 28 Oct 26 +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.
- 27 Oct 26 0
- Stability: unverified → 0.03 ▲ functional
- 26 Oct 26 72
First indexed and scored.
Diagnostic detail from the automated scan of this channel: what the scanner observed at each step, so you can see exactly where a check passed or failed. It is informational only and never changes the trust score.
Captured 5 Nov 2026 · Probed https://hlidacsporeni.cz/mcp
TLS valid
Negotiated TLS 1.3 with TLS_AES_128_GCM_SHA256 .
| Subject | Issuer | Valid from | Valid until | Key | Signature | Serial |
|---|---|---|---|---|---|---|
| CN=hlidacsporeni.cz | CN=YE2,O=Let's Encrypt,C=US | 20 Oct 2026 | 18 Jan 2027 | ECDSA 256 | ECDSA-SHA384 | 6208945364cbbdd4b801a0733a8eee52d78 |
| SANs: hlidacsporeni.cz | ||||||
| CN=YE2,O=Let's Encrypt,C=US (CA) | CN=Root YE,O=ISRG,C=US | 3 Sept 2025 | 2 Sept 2028 | ECDSA 384 | ECDSA-SHA384 | 4df3b15dd6c0784c507cd37b58e6f115 |
| CN=Root YE,O=ISRG,C=US (CA) | CN=ISRG Root X2,O=Internet Security Research Group,C=US | 13 May 2026 | 2 Sept 2032 | ECDSA 384 | ECDSA-SHA384 | 872165fc34b6e5fba8add5b3705fb53a |
| CN=ISRG Root X2,O=Internet Security Research Group,C=US (CA) | CN=ISRG Root X1,O=Internet Security Research Group,C=US | 13 May 2026 | 2 Sept 2032 | ECDSA 384 | SHA256-RSA | 6c8f1dc727c7117f7baf853ac980f9cd |
Background: What to check on a remote MCP endpoint →
DNSSEC secure
Validation of hlidacsporeni.cz. — Secure
| Zone | DS | Keys | Algorithms | Outcome |
|---|---|---|---|---|
| . | trust_anchor | 20326, 38696 | 8, 8 | Verified |
| cz. | present | 20237 | 13 | Verified |
| hlidacsporeni.cz. | present | 33701 | 13 | Verified |
| hlidacsporeni.cz. | Verified address RRset verified with the apex keys |
Authentication No authorisation required
The endpoint answered without asking for a token. Anyone who knows the URL can reach it.
| Result | No authorisation required |
|---|---|
| HTTP status | 200 |
| Header | Value |
|---|---|
| strict-transport-security | max-age=31536000; includeSubDomains |
| x-content-type-options | nosniff |
| x-frame-options | DENY |
| referrer-policy | strict-origin-when-cross-origin |
Background: How OAuth 2.1 works in the 2026 MCP spec →
Transports 2 probes
| Transport | URL | Outcome | Status | Location |
|---|---|---|---|---|
| streamable-http | https://hlidacsporeni.cz/mcp | Verified | 200 | |
| http (plaintext) | http://hlidacsporeni.cz/mcp | HTTPS enforced | 301 | https://hlidacsporeni.cz/mcp |
The tools this component advertises to a client, with an estimated token cost for each. Expand a tool to see its parameters and schema. The per-tool counts are indicative and are not scored directly; the schema's total context footprint is one signal in Schema Quality & AI Usability. A tool's description is untrusted text the model reads on every call, which is what makes this list a security surface and not just an inventory: how tool poisoning works →
hlidac_compare_savings Compare Czech savings accounts ~376
Rank Czech savings accounts (spořicí účty) by the effective interest rate (úrok, sazba) for a given deposit, with the net yield after the 15 % tax. The effective rate is computed for the WHOLE amount: many banks pay their headline rate only up to a limit (e.g. Česká spořitelna 5,20 % only up to 400 000 Kč), so the ranking changes with the amount. Filters drop accounts with card-payment, income or new-money conditions, or keep only accounts without conditions. Examples: - "Kam dát 800 000 Kč na spořicí účet?" -> amount=800000 - "Nejvyšší úrok bez podmínek pro 1 milion" -> amount=1000000, no_conditions=true Use hlidac_get_product for one account's bands and conditions, hlidac_plan_allocation to split a large sum across banks.
| Name | Type | Req | Description |
|---|---|---|---|
| amount | integer | yes | Deposit in CZK (vklad v Kč), whole number 1 000–10 000 000, e.g. 800000 |
| include_investment | boolean | – | Count the higher rate some banks pay with a regular investment |
| limit | integer | – | How many accounts to return, best first |
| no_conditions | boolean | – | Only accounts with no conditions at all (spořicí účet bez podmínek) |
| without_card_payments | boolean | – | Exclude accounts that require card payments (bez placení kartou) |
| without_income_requirement | boolean | – | Exclude accounts that require a regular income (bez požadavku na příjem) |
| without_new_money | boolean | – | Exclude offers only for new money moved from another bank (bez nových peněz) |
| Name | Type | Req | Description |
|---|---|---|---|
| accounts | array | yes | – |
| amount | number | yes | – |
| asOf | string | yes | When the rates were last updated (ISO 8601) |
| attribution | string | yes | – |
| comparison_url | string | yes | – |
| total_matching | integer | yes | – |
No examples provided.
hlidac_compare_term_deposits Compare Czech term deposits ~353
Rank Czech term deposits (termínované vklady) for a deposit and a term (délka v měsících) by the rate (úrok, sazba), with the net yield for the whole term after the 15 % tax. Offers only for new clients (noví klienti) count only with client='new'; promotions (akce) can be excluded; need_early_withdrawal keeps banks where an early withdrawal (předčasný výběr) is possible without the bank's consent. Banks whose limits do not take the amount are listed in outside_limits. Examples: - "Nejlepší termínovaný vklad na rok pro 200 000" -> amount=200000, term_months=12 - "Vklad na 3 měsíce, jsem nový klient" -> term_months=3, client='new'
| Name | Type | Req | Description |
|---|---|---|---|
| amount | integer | yes | Deposit in CZK (vklad v Kč), whole number 1 000–10 000 000 |
| client | string | – | 'new' also counts offers only for a bank's new clients (noví klienti) |
| include_promotions | boolean | – | Count time-limited promotions (akce) |
| limit | integer | – | How many offers to return, best first |
| need_early_withdrawal | boolean | – | Only banks where an early withdrawal (předčasný výběr) is possible without asking the bank |
| term_months | integer | yes | Term in months (délka vkladu): 1, 3, 6, 12, 24, 36, 60 … |
| Name | Type | Req | Description |
|---|---|---|---|
| amount | number | yes | – |
| asOf | string | yes | When the rates were last updated (ISO 8601) |
| attribution | string | yes | – |
| comparison_url | string | yes | – |
| offers | array | yes | – |
| outside_limits | array | yes | – |
| term_months | integer | yes | – |
No examples provided.
hlidac_get_product Get one savings account or term deposit ~158
Full detail of one product (spořicí účet or termínovaný vklad): rate bands, conditions, end of a promotion, deposit insurance (pojištění vkladu), early withdrawal, tax, when it was verified, and the facts we do not have (unknown). product_id comes from hlidac_compare_savings or hlidac_compare_term_deposits, e.g. 'trinity', 'ceska-sporitelna', 'tv-csob'. An unknown id returns the list of valid ids.
| Name | Type | Req | Description |
|---|---|---|---|
| product_id | string | yes | Product id from a comparison result, e.g. 'trinity' (spořicí účet) or 'tv-csob' (termínovaný vklad) |
| Name | Type | Req | Description |
|---|---|---|---|
| asOf | string | yes | When the rates were last updated (ISO 8601) |
| attribution | string | yes | – |
| bank | string | yes | – |
| bank_url | string | yes | – |
| deposit_insurance | object | yes | – |
| detail_url | string | yes | – |
| kind | string | yes | – |
| product | string | yes | – |
| product_id | string | yes | – |
| savings | object | – | – |
| stale | boolean | yes | – |
| term_deposit | object | – | – |
| unknown | array | yes | Facts we do not have for this product; never guess them |
| verified_at | string | yes | – |
No examples provided.
hlidac_plan_allocation Split savings across banks within deposit insurance ~295
Split a sum across Czech savings accounts (spořicí účty) for the highest net yield, keeping each bank under the deposit insurance limit of 100 000 EUR per client and bank (pojištění vkladů), converted at today's ČNB rate unless eur_czk is given. Only accounts whose conditions the client says they meet are used (card payments, income, new money, investing). Several products of one bank share one limit. Example: "Mám 6 milionů, jak je rozložit, aby byly pojištěné?" -> amount=6000000, max_banks=3
| Name | Type | Req | Description |
|---|---|---|---|
| amount | integer | yes | Total to place in CZK, e.g. 6000000 |
| can_bring_new_money | boolean | – | The money is new to the bank, moved from another bank (nové peníze) |
| can_invest | boolean | – | The client will invest regularly where it raises the rate |
| can_pay_by_card | boolean | – | The client will meet card payment conditions (platby kartou) |
| eur_czk | number | – | EUR/CZK rate for the 100 000 EUR insurance limit; default: today's ČNB rate |
| has_income | boolean | – | The client can route a regular income to the bank (příjem) |
| max_banks | integer | – | At most this many banks |
| Name | Type | Req | Description |
|---|---|---|---|
| allocations | array | yes | – |
| amount | number | yes | – |
| asOf | string | yes | When the rates were last updated (ISO 8601) |
| attribution | string | yes | – |
| eur_czk | number | yes | – |
| eur_czk_source | string | yes | – |
| insurance_limit_czk | number | yes | – |
| insurance_limit_eur | number | yes | – |
| notes | array | yes | – |
| total_net_yield_year | number | yes | – |
| uninsured_amount | number | yes | CZK above the insurance limit with the bank limit of max_banks banks |
| weighted_rate | number | yes | – |
No examples provided.
How do I install the Hlídač spoření MCP server?
Hlídač spoření is a hosted endpoint at https://hlidacsporeni.cz/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.
remote · hlidacsporeni.cz
claude mcp add --transport http cz-hlidacsporeni-sporeni 'https://hlidacsporeni.cz/mcp'
What is the Hlídač spoření MCP server?
Hlídač spoření is an MCP server listed in the public MCP registry as cz.hlidacsporeni/sporeni. Czech savings accounts and term deposits: effective rates, net yield and conditions. Read-only. This page covers its hosted endpoint (https://hlidacsporeni.cz/mcp).
Is the Hlídač spoření MCP server safe to use?
Hlídač spoření scores 76 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 Hlídač spoření MCP server expose?
Hlídač spoření exposes 4 tools: hlidac_compare_savings, hlidac_compare_term_deposits, hlidac_get_product, hlidac_plan_allocation. Their descriptions and schemas cost roughly 1,182 tokens of context every time the server is loaded.
Does the Hlídač spoření MCP server require authentication?
No. We connected to Hlídač spoření without credentials and it answered, so anything it exposes is reachable by anyone who knows the address.
Is the Hlídač spoření MCP server still maintained?
Hlídač spoření 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.