# FINLY Mortgage Knowledge (remote · finly.co.il)

Public Israeli mortgage knowledge with sources and defined hypothetical calculations.

- Trust score: 77/100 (medium)
- Change this week: +4
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-09-20

## Components

- remote · `finly.co.il`: 77/100 (this document), [markdown](https://verifymcp.io/servers/il-co-finly-public-knowledge/finly.md), [page](https://verifymcp.io/servers/il-co-finly-public-knowledge/finly)

## Channel facts

- Endpoint: `https://finly.co.il/mcp`
- Transports: `streamable-http`
- Auth: `none`
- Version: `0.1.0`

## 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 2026-09-20.

- **Endpoint Security**: 80/100
  - 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.
  - The HSTS (Strict-Transport-Security) header is present.
  - 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**: 80/100
  - 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 510 tokens (~56/item across 9 items; 8 tools + 1 resources), lean.
  - Usage-examples check failed: none of the tools include examples.
- **Stability & Change Management**: 33/100
  - Stability observed for 10 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.
- **Tool Safety**: 100/100
  - No prompt-injection markers were found in the server instructions, tool names or descriptions we captured.
  - We read all 8 captured tool definition(s), and no name or description among them implies an irreversible operation.
  - An AI judge read all 9 captured unit(s) of tool text and found none that tries to manipulate the model reading it.
- **Capabilities**: 100/100
  - Implements a current MCP spec version (2026-07-28).

## Install

### How do I install the FINLY Mortgage Knowledge MCP server?

FINLY Mortgage Knowledge is a hosted endpoint at https://finly.co.il/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 il-co-finly-public-knowledge 'https://finly.co.il/mcp'
```

### Cursor

```json
{
  "mcpServers": {
    "il-co-finly-public-knowledge": {
      "url": "https://finly.co.il/mcp"
    }
  }
}
```

### VS Code

```json
{
  "servers": {
    "il-co-finly-public-knowledge": {
      "type": "http",
      "url": "https://finly.co.il/mcp"
    }
  }
}
```

### Codex

```toml
[mcp_servers.il-co-finly-public-knowledge]
url = "https://finly.co.il/mcp"
```

### opencode

```json
{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "il-co-finly-public-knowledge": {
      "type": "remote",
      "url": "https://finly.co.il/mcp",
      "enabled": true
    }
  }
}
```

### OpenClaw

```bash
openclaw mcp add il-co-finly-public-knowledge --url 'https://finly.co.il/mcp' --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  il-co-finly-public-knowledge:
    url: "https://finly.co.il/mcp"
```

### Netclaw

```json
{
  "McpServers": {
    "il-co-finly-public-knowledge": {
      "Transport": "http",
      "Url": "https://finly.co.il/mcp"
    }
  }
}
```

### Vellum

```bash
assistant mcp add il-co-finly-public-knowledge -t streamable-http -u 'https://finly.co.il/mcp'
```

### Other

```json
{
  "mcpServers": {
    "il-co-finly-public-knowledge": {
      "type": "http",
      "url": "https://finly.co.il/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.

### 2026-09-20 (score 77, +1)

No change was recorded against any check on this day. Stability & Change Management went from 30 to 33. That category is still filling its 30-day observation window: 9 days of observed history at the previous scan, 10 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-09-18 (score 76, +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.

### 2026-09-16 (score 75, +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.

### 2026-09-14 (score 74, +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.

### 2026-09-11 (score 73, +1)

- [functional improvement] Stability: unverified → 0.03

### 2026-09-10 (score 72)

First indexed and scored.

## MCP tools (8)

### `calculate_ltv_ratio` (~63 tokens)

Loan to value | יחס הלוואה לשווי

Loan to value | יחס הלוואה לשווי. Divide the explicitly provided numerator by denominator. No regulatory caps, eligibility verdict, fallback rates or customer identifiers.

Input parameters:

- `loan_agorot` (integer, required)
- `property_value_agorot` (integer, required)

Output parameters:

- `as_of` (string)
- `assumptions` (array)
- `evidence` (array)
- `limitations` (array)
- `next_actions` (array)
- `no_action` (object)
- `receipt` (object)
- `request_id` (string)
- `response_kind`
- `result` (object)
- `schema_version`
- `status` (string)
- `tool`

### `calculate_payment` (~72 tokens)

Monthly payment | חישוב החזר חודשי

Calculate a hypothetical fixed-rate unindexed annuity from explicit inputs. Money is integer agorot; annual interest is a decimal. No bank offer, eligibility or savings recommendation.

Input parameters:

- `nominal_annual_decimal` (number, required)
- `principal_agorot` (integer, required)
- `term_months` (integer, required)

Output parameters:

- `as_of` (string)
- `assumptions` (array)
- `evidence` (array)
- `limitations` (array)
- `next_actions` (array)
- `no_action` (object)
- `receipt` (object)
- `request_id` (string)
- `response_kind`
- `result` (object)
- `schema_version`
- `status` (string)
- `tool`

### `calculate_pti_ratio` (~65 tokens)

Payment to income | יחס החזר להכנסה

Payment to income | יחס החזר להכנסה. Divide the explicitly provided numerator by denominator. No regulatory caps, eligibility verdict, fallback rates or customer identifiers.

Input parameters:

- `monthly_debt_agorot` (integer, required)
- `monthly_net_income_agorot` (integer, required)

Output parameters:

- `as_of` (string)
- `assumptions` (array)
- `evidence` (array)
- `limitations` (array)
- `next_actions` (array)
- `no_action` (object)
- `receipt` (object)
- `request_id` (string)
- `response_kind`
- `result` (object)
- `schema_version`
- `status` (string)
- `tool`

### `get_capabilities` (~52 tokens)

Capabilities and knowledge catalog | יכולות וקטלוג ידע

Discover the currently released public tools and a paginated index of approved topics, questions, claims and guides.

Input parameters:

- `catalog_cursor` (string)
- `limit` (integer)
- `locale` (string)

Output parameters:

- `as_of` (string)
- `assumptions` (array)
- `evidence` (array)
- `limitations` (array)
- `next_actions` (array)
- `no_action` (object)
- `receipt` (object)
- `request_id` (string)
- `response_kind`
- `result` (object)
- `schema_version`
- `status` (string)
- `tool`

### `get_claim` (~46 tokens)

Claim and sources | טענה ומקורות

Read one versioned public claim with its scope, evidence and review dates.

Input parameters:

- `claim_id` (string, required)
- `claim_version` (string)
- `locale` (string)

Output parameters:

- `as_of` (string)
- `assumptions` (array)
- `evidence` (array)
- `limitations` (array)
- `next_actions` (array)
- `no_action` (object)
- `receipt` (object)
- `request_id` (string)
- `response_kind`
- `result` (object)
- `schema_version`
- `status` (string)
- `tool`

### `get_guide` (~43 tokens)

Approved guide | מדריך מאושר

Read approved steps and the canonical FINLY guide link. A bank guide is not a recommendation.

Input parameters:

- `guide_id` (string, required)
- `locale` (string, required)

Output parameters:

- `as_of` (string)
- `assumptions` (array)
- `evidence` (array)
- `limitations` (array)
- `next_actions` (array)
- `no_action` (object)
- `receipt` (object)
- `request_id` (string)
- `response_kind`
- `result` (object)
- `schema_version`
- `status` (string)
- `tool`

### `search_mortgage_knowledge` (~69 tokens)

Mortgage catalog search | חיפוש ידע משכנתאות מאושר

Find approved, current public knowledge by a catalog topic or question ID. No free text or personal data.

Input parameters:

- `cursor` (string)
- `limit` (integer)
- `locale` (string)
- `question_id` (string)
- `topic` (string)

Output parameters:

- `as_of` (string)
- `assumptions` (array)
- `evidence` (array)
- `limitations` (array)
- `next_actions` (array)
- `no_action` (object)
- `receipt` (object)
- `request_id` (string)
- `response_kind`
- `result` (object)
- `schema_version`
- `status` (string)
- `tool`

### `search_public_knowledge` (~72 tokens)

Public mortgage search | חיפוש שאלה במידע הציבורי

Search approved current public claims and bank guides with a short general Hebrew question. No personal details, numbers or links. Local lexical retrieval only; returns exact evidence and limitations without storing or echoing the query.

Input parameters:

- `limit` (integer)
- `locale` (string)
- `query` (string, required)

Output parameters:

- `as_of` (string)
- `assumptions` (array)
- `evidence` (array)
- `limitations` (array)
- `next_actions` (array)
- `no_action` (object)
- `receipt` (object)
- `request_id` (string)
- `response_kind`
- `result` (object)
- `schema_version`
- `status` (string)
- `tool`

## Diagnostics

Captured diagnostic sections: TLS, DNSSEC, Authorisation, Transports. The full working is on the page: https://verifymcp.io/servers/il-co-finly-public-knowledge/finly#diagnostics

## Score history

- 2026-09-20: 77
- 2026-09-19: 76
- 2026-09-18: 76
- 2026-09-17: 75
- 2026-09-16: 75
- 2026-09-15: 74
- 2026-09-14: 74
- 2026-09-13: 73
- 2026-09-12: 73
- 2026-09-11: 73
- 2026-09-10: 72

## Common questions

### What is the FINLY Mortgage Knowledge MCP server?

FINLY Mortgage Knowledge is an MCP server listed in the public MCP registry as il.co.finly/public-knowledge. Public Israeli mortgage knowledge with sources and defined hypothetical calculations. This page covers its hosted endpoint (https://finly.co.il/mcp).

### Is the FINLY Mortgage Knowledge MCP server safe to use?

FINLY Mortgage Knowledge scores 77 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 FINLY Mortgage Knowledge MCP server expose?

FINLY Mortgage Knowledge exposes 8 tools: calculate_ltv_ratio, calculate_payment, calculate_pti_ratio, get_capabilities, get_claim, and 3 more. Their descriptions and schemas cost roughly 482 tokens of context every time the server is loaded.

### Does the FINLY Mortgage Knowledge MCP server require authentication?

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

### Is the FINLY Mortgage Knowledge MCP server still maintained?

FINLY Mortgage Knowledge is still listed as active in the MCP registry. We last reached this channel on 20 September 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://finly.co.il/mcp
- Changelog RSS feed: https://verifymcp.io/servers/il-co-finly-public-knowledge/finly.xml
- Changelog JSON feed: https://verifymcp.io/servers/il-co-finly-public-knowledge/finly.json
- HTML version of this page: https://verifymcp.io/servers/il-co-finly-public-knowledge/finly