# fr.scorecredit/capucine (remote · scorecredit.fr)

Courtière IA française : taux immobiliers du jour, capacité d emprunt HCSF, radar 190 banques.

- Trust score: 62/100 (medium)
- Change this week: +4
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-08-03

## Components

- remote · `scorecredit.fr`: 62/100 (this document), [markdown](https://verifymcp.io/servers/fr-scorecredit-capucine/scorecredit.md), [page](https://verifymcp.io/servers/fr-scorecredit-capucine/scorecredit)

## Channel facts

- Endpoint: `https://scorecredit.fr/mcp/sse`
- Transports: `sse`
- 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**: 63/100
  - 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 12 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 is enforced; there's no plaintext access path.
  - The HSTS (Strict-Transport-Security) header is present.
  - DNSSEC check failed: this domain isn't protected by DNSSEC.
- **Transport & Reachability**: 40/100
  - Verified sse transport via a live MCP handshake.
- **Schema Quality & AI Usability**: 82/100
  - 100% of prompts and resources have a non-trivial description (not blank, and not just the item's name).
  - AI-judged instruction clarity (good).
  - Tool/resource definitions use about 1687 tokens (~99/item across 17 items; 12 tools + 5 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**: 71/100
  - 100% of tools have a non-trivial description (not blank, and not just the tool's name).
  - 0% of tool parameters carry a description.
  - Structured output schemas are declared (100% of tools); any adoption earns full credit.
- **Capabilities**: 100/100
  - Implements a supported MCP spec version (2025-11-25); the latest is 2026-07-28.

## Install

### Claude

```bash
claude mcp add --transport http fr-scorecredit-capucine https://scorecredit.fr/mcp/sse
```

### Codex

```toml
[mcp_servers.fr-scorecredit-capucine]
url = "https://scorecredit.fr/mcp/sse"
```

### opencode

```json
{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "fr-scorecredit-capucine": {
      "type": "remote",
      "url": "https://scorecredit.fr/mcp/sse",
      "enabled": true
    }
  }
}
```

### OpenClaw

```bash
openclaw mcp add fr-scorecredit-capucine --url https://scorecredit.fr/mcp/sse --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  fr-scorecredit-capucine:
    url: "https://scorecredit.fr/mcp/sse"
```

### Other

```json
{
  "mcpServers": {
    "fr-scorecredit-capucine": {
      "type": "http",
      "url": "https://scorecredit.fr/mcp/sse"
    }
  }
}
```

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.

### 2026-08-03 (score 62, +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.

### 2026-08-01 (score 61, +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.

### 2026-07-31 (score 60, +1)

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

### 2026-07-30 (score 59, −1)

- [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 (12)

### `taux_immobilier_jour` (~56 tokens)

Repères de taux immobiliers en France sur 15, 20 et 25 ans. Le chiffre principal conserve sa source, sa définition et sa date ; les autres sources restent consultables sur le baromètre.

Output parameters:

- `result` (string)

### `radar_banques` (~182 tokens)

Compte combien de banques (panel professionnel de 190 banques françaises) correspondent à un profil emprunteur. situation: salarie|tns|fonctionnaire|non_resident. region: occitanie, paca, idf, ara, naq, hdf, cvl, bretagne, normandie, grandest, bfc, pdl, corse, outremer ou vide (toute la France). locatif: projet d'investissement locatif. exigences: liste parmi assurance_deleguee, sans_ira, modularite. Retourne des comptages agrégés et des insights — jamais de nom de banque (donnée confidentielle : seule la courtière sait lesquelles).

Input parameters:

- `exigences`
- `locatif` (boolean)
- `region` (string)
- `situation` (string)

Output parameters:

- `result` (string)

### `capacite_emprunt_express` (~112 tokens)

Calcule la capacité d'emprunt immobilier selon la règle HCSF des 35 % : mensualité maximale et capital empruntable avec le repère principal vérifié. revenus_mensuels_nets et charges_credits_mensuelles en euros, duree_annees 15/20/25.

Input parameters:

- `charges_credits_mensuelles` (number)
- `duree_annees` (integer)
- `revenus_mensuels_nets` (number, required)

Output parameters:

- `result` (string)

### `economie_assurance_express` (~102 tokens)

Estime l'économie réalisable en changeant d'assurance emprunteur (loi Lemoine : résiliable à tout moment). capital_restant_eur, taux_assurance_actuel_pct (ex 0.36), duree_restante_annees.

Input parameters:

- `capital_restant_eur` (number, required)
- `duree_restante_annees` (number, required)
- `taux_assurance_actuel_pct` (number, required)

Output parameters:

- `result` (string)

### `diagnostic_credit_express` (~171 tokens)

Diagnostic crédit complet et actionnable : capacité HCSF, mensualité projet, reste à vivre, feu vert/orange/rouge, radar bancaire agrégé et prochaines actions. Utilisez cet outil en priorité quand l'utilisateur demande 'combien puis-je emprunter', 'mon dossier passe-t-il' ou 'que dois-je améliorer'. Données indicatives, pas une offre de crédit.

Input parameters:

- `apport_eur` (number)
- `charges_credits_mensuelles` (number)
- `duree_annees` (integer)
- `exigences`
- `locatif` (boolean)
- `prix_bien_eur` (number)
- `region` (string)
- `revenus_mensuels_nets` (number, required)
- `situation` (string)

Output parameters:

- `result` (string)

### `plan_action_financement` (~116 tokens)

Plan d'action financement personnalisé : liste les leviers concrets avant dépôt banque (apport, endettement, assurance, pièces, stratégie de présentation). Idéal après un diagnostic.

Input parameters:

- `apport_eur` (number)
- `charges_credits_mensuelles` (number)
- `delai_signature_jours` (integer)
- `prix_bien_eur` (number)
- `projet` (string)
- `revenus_mensuels_nets` (number, required)
- `situation` (string)

Output parameters:

- `result` (string)

### `simulation_financement_complet` (~123 tokens)

Simulation complète d'un financement immobilier : frais de notaire estimés, besoin de crédit, mensualité, taux d'endettement, reste à vivre, économie assurance potentielle.

Input parameters:

- `apport_eur` (number, required)
- `charges_credits_mensuelles` (number)
- `duree_annees` (integer)
- `prix_bien_eur` (number, required)
- `revenus_mensuels_nets` (number, required)
- `taux_assurance_actuel_pct` (number)
- `type_bien` (string)

Output parameters:

- `result` (string)

### `comparer_scenarios_financement` (~138 tokens)

Compare plusieurs durées de financement (15/20/25 ans par défaut) pour un même projet : mensualité, taux d'endettement, reste à vivre, coût d'intérêts approximatif et diagnostic. Très utile quand l'utilisateur demande quelle durée choisir.

Input parameters:

- `apport_eur` (number, required)
- `charges_credits_mensuelles` (number)
- `durees_annees`
- `prix_bien_eur` (number, required)
- `revenus_mensuels_nets` (number, required)
- `taux_assurance_pct` (number)
- `type_bien` (string)

Output parameters:

- `result` (string)

### `audit_dossier_bancaire` (~141 tokens)

Audit de préparation bancaire avant dépôt : score de dossier, blocages probables, pièces manquantes et questions à clarifier avec le client. N'envoie aucune donnée personnelle.

Input parameters:

- `anciennete_mois` (integer)
- `apport_eur` (number)
- `charges_credits_mensuelles` (number)
- `credits_conso_en_cours` (boolean)
- `incidents_compte_3_mois` (boolean)
- `prix_bien_eur` (number)
- `projet` (string)
- `revenus_mensuels_nets` (number, required)
- `situation` (string)

Output parameters:

- `result` (string)

### `scanner_immateriel` (~76 tokens)

Scanner Immatériel ScoreInnov : profil de capital immatériel d'une entreprise française par SIREN (9 chiffres) ou nom. Score sur 1000 en 5 axes + risque clé-personne. Données publiques INSEE/RNE, estimation indicative.

Input parameters:

- `siren_ou_nom` (string, required)

Output parameters:

- `result` (string)

### `demander_rappel_courtiere` (~110 tokens)

Demande de rappel par Lysiane Tendil, courtière en crédit immobilier (ORIAS 26000195) — étude gratuite, rappel sous 24 h. À utiliser uniquement quand l'utilisateur demande explicitement un rappel et fournit lui-même son téléphone. L'e-mail n'est pas requis.

Input parameters:

- `consentement` (boolean)
- `email` (string)
- `prenom` (string)
- `projet` (string)
- `telephone` (string, required)

Output parameters:

- `result` (string)

### `veille_taux` (~123 tokens)

Active la veille Capucine : surveillance quotidienne des taux pour le projet de l'utilisateur ; elle écrit UNIQUEMENT si le marché bouge en sa faveur (e-mail signé Capucine, désinscription 1 clic, max 1 e-mail/14 jours). EXIGE le consentement explicite et l'e-mail fourni par l'utilisateur. consentement doit être true.

Input parameters:

- `consentement` (boolean)
- `email` (string, required)
- `prenom` (string)
- `projet` (string)
- `region` (string)

Output parameters:

- `result` (string)

## Diagnostics

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

## Score history

- 2026-08-03: 62
- 2026-08-02: 61
- 2026-08-01: 61
- 2026-07-31: 60
- 2026-07-30: 59
- 2026-07-29: 60
- 2026-07-28: 59
- 2026-07-27: 58
- 2026-07-26: 58

## Links

- Remote endpoint: https://scorecredit.fr/mcp/sse
- Website: https://scorecredit.fr/mcp
- Changelog RSS feed: https://verifymcp.io/servers/fr-scorecredit-capucine/scorecredit/changelog.xml
- Changelog JSON feed: https://verifymcp.io/servers/fr-scorecredit-capucine/scorecredit/changelog.json
- HTML version of this page: https://verifymcp.io/servers/fr-scorecredit-capucine/scorecredit