# io.usefulapi/increase (remote · increase.usefulapi.io)

Read-only Increase banking observability plus one safe non-money-moving write, for AI agents.

- Trust score: 18/100 (low)
- Change this week: −51
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-08-03

## Components

- remote · `increase.usefulapi.io`: 18/100 (this document), [markdown](https://verifymcp.io/servers/io-usefulapi-increase/increase.md), [page](https://verifymcp.io/servers/io-usefulapi-increase/increase)

## Channel facts

- Endpoint: `https://increase.usefulapi.io/mcp`
- Transports: `streamable-http`
- Auth: `none`
- Version: `1.0.1`

## 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**: 46/100
  - The endpoint's TLS certificate is valid, in date, and uses a strong key.
  - Authorisation not fully verified: no authorisation is required to connect, but we couldn't read the tool list to see what that exposes.
  - HTTPS not yet verified: we couldn't determine whether a plaintext access path exists.
  - HSTS check failed: the Strict-Transport-Security header is absent.
  - DNSSEC check failed: this domain isn't protected by DNSSEC.
- **Transport & Reachability**: 0/100
  - Transport check failed: declared streamable-http, but the endpoint returned HTTP 429.
- **Schema Quality & AI Usability**: 0/100
  - Schema not yet verified: we couldn't read the endpoint's schema.
- **Stability & Change Management**: 0/100
  - Stability not yet verified: not enough scan history yet (needs a 30-day window).
- **Tool Coverage**: 0/100
  - Tool coverage not yet verified: we couldn't read the endpoint's tools.
- **Capabilities**: 0/100
  - Capabilities not yet verified: we couldn't read the endpoint's capabilities.

**Unverified: 4 categories.** Categories scored 0 because we could not verify them: authentication we do not have, an unreachable endpoint, or not enough scan history. We only credit what we can confirm.

## Install

### Claude

```bash
claude mcp add --transport http io-usefulapi-increase https://increase.usefulapi.io/mcp
```

### Codex

```toml
[mcp_servers.io-usefulapi-increase]
url = "https://increase.usefulapi.io/mcp"
```

### opencode

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

### OpenClaw

```bash
openclaw mcp add io-usefulapi-increase --url https://increase.usefulapi.io/mcp --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  io-usefulapi-increase:
    url: "https://increase.usefulapi.io/mcp"
```

### Other

```json
{
  "mcpServers": {
    "io-usefulapi-increase": {
      "type": "http",
      "url": "https://increase.usefulapi.io/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.

### 2026-08-03 (score 18, −55)

- [security regression] Endpoint reachability: reachable → not serving MCP
- [security regression] Authorization: pass → unverified
- [security regression] Stability: 0.20 → unverified
- [security regression] Transport: pass → fail
- [functional regression] Capabilities: fail → unverified
- [functional regression] Tool coverage: 100 → unverified

### 2026-08-02 (score 73, +1)

- [security regression] Endpoint reachability: reachable → not serving MCP
- [security regression] Authorization: pass → unverified
- [security regression] Stability: 0.17 → unverified
- [security regression] Transport: pass → fail
- [functional regression] Tool coverage: 100 → unverified
- [functional regression] Capabilities: fail → unverified
- [functional improvement] Endpoint reachability: not serving MCP → reachable

### 2026-08-01 (score 72, +3)

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

### 2026-07-31 (score 69, −2)

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

### 2026-07-29 (score 71, +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.

### 2026-07-28 (score 70, +1)

- [functional improvement] Stability: unverified → 0.03

### 2026-07-27 (score 69, +57)

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

### 2026-07-26 (score 12)

First indexed and scored.

## MCP tools (18)

### `increase_list_accounts` (~104 tokens)

List accounts

List bank accounts. Increase API: GET /accounts. Filter by entity and status (sent as status.in).

Input parameters:

- `cursor` (string): Opaque pagination cursor from a previous response's next_cursor.
- `entity_id` (string): Only accounts belonging to this entity id.
- `limit` (integer): Page size, 1–100. Default 100.
- `status` (string): Account status filter (sent as status.in), e.g. open | closed.

### `increase_get_account` (~44 tokens)

Get account

Retrieve a single bank account by id. Increase API: GET /accounts/{account_id}.

Input parameters:

- `account_id` (string, required): Account id (e.g. account_...).

### `increase_get_account_balance` (~83 tokens)

Get account balance

Retrieve an account's current and available balance. Increase API: GET /accounts/{account_id}/balance. Optionally as of a point in time.

Input parameters:

- `account_id` (string, required): Account id (e.g. account_...).
- `at_time` (string): ISO 8601 timestamp to get the balance as of that moment (query param at_time).

### `increase_list_account_numbers` (~113 tokens)

List account numbers

List account numbers (deposit routing/account number pairs). Increase API: GET /account_numbers. Filter by account and status (sent as status.in).

Input parameters:

- `account_id` (string): Only account numbers for this account id.
- `cursor` (string): Opaque pagination cursor from a previous response's next_cursor.
- `limit` (integer): Page size, 1–100. Default 100.
- `status` (string): Status filter (sent as status.in), e.g. active | disabled | canceled.

### `increase_list_transactions` (~161 tokens)

List transactions

List settled transactions. Increase API: GET /transactions. Filter by account, category (sent as category.in), and created date range (created_at.after / created_at.before).

Input parameters:

- `account_id` (string): Only transactions for this account id.
- `category` (string): Transaction category filter (sent as category.in).
- `created_after` (string): ISO 8601 timestamp; only transactions created at/after this (sent as created_at.after).
- `created_before` (string): ISO 8601 timestamp; only transactions created before this (sent as created_at.before).
- `cursor` (string): Opaque pagination cursor from a previous response's next_cursor.
- `limit` (integer): Page size, 1–100. Default 100.

### `increase_get_transaction` (~43 tokens)

Get transaction

Retrieve a single transaction by id. Increase API: GET /transactions/{transaction_id}.

Input parameters:

- `transaction_id` (string, required): Transaction id (e.g. transaction_...).

### `increase_list_pending_transactions` (~113 tokens)

List pending transactions

List pending (not-yet-settled) transactions. Increase API: GET /pending_transactions. Filter by account and status (sent as status.in).

Input parameters:

- `account_id` (string): Only pending transactions for this account id.
- `cursor` (string): Opaque pagination cursor from a previous response's next_cursor.
- `limit` (integer): Page size, 1–100. Default 100.
- `status` (string): Status filter (sent as status.in), e.g. pending | complete.

### `increase_list_declined_transactions` (~79 tokens)

List declined transactions

List declined transactions. Increase API: GET /declined_transactions. Filter by account.

Input parameters:

- `account_id` (string): Only declined transactions for this account id.
- `cursor` (string): Opaque pagination cursor from a previous response's next_cursor.
- `limit` (integer): Page size, 1–100. Default 100.

### `increase_list_ach_transfers` (~123 tokens)

List ACH transfers

List ACH transfers (read-only observability; this server does NOT create transfers). Increase API: GET /ach_transfers. Filter by account and status (sent as status.in).

Input parameters:

- `account_id` (string): Only ACH transfers for this account id.
- `cursor` (string): Opaque pagination cursor from a previous response's next_cursor.
- `limit` (integer): Page size, 1–100. Default 100.
- `status` (string): Status filter (sent as status.in), e.g. pending_submission | submitted | returned.

### `increase_get_ach_transfer` (~52 tokens)

Get ACH transfer

Retrieve a single ACH transfer by id. Increase API: GET /ach_transfers/{ach_transfer_id}.

Input parameters:

- `ach_transfer_id` (string, required): ACH transfer id (e.g. ach_transfer_...).

### `increase_list_wire_transfers` (~91 tokens)

List wire transfers

List wire transfers (read-only observability; this server does NOT create transfers). Increase API: GET /wire_transfers. Filter by account.

Input parameters:

- `account_id` (string): Only wire transfers for this account id.
- `cursor` (string): Opaque pagination cursor from a previous response's next_cursor.
- `limit` (integer): Page size, 1–100. Default 100.

### `increase_list_check_transfers` (~91 tokens)

List check transfers

List check transfers (read-only observability; this server does NOT create transfers). Increase API: GET /check_transfers. Filter by account.

Input parameters:

- `account_id` (string): Only check transfers for this account id.
- `cursor` (string): Opaque pagination cursor from a previous response's next_cursor.
- `limit` (integer): Page size, 1–100. Default 100.

### `increase_list_real_time_payments_transfers` (~103 tokens)

List Real-Time Payments transfers

List Real-Time Payments (RTP) transfers (read-only observability; this server does NOT create transfers). Increase API: GET /real_time_payments_transfers. Filter by account.

Input parameters:

- `account_id` (string): Only RTP transfers for this account id.
- `cursor` (string): Opaque pagination cursor from a previous response's next_cursor.
- `limit` (integer): Page size, 1–100. Default 100.

### `increase_list_cards` (~112 tokens)

List cards

List cards. Increase API: GET /cards. Filter by account and status (sent as status.in). Read-only; no card actions are exposed.

Input parameters:

- `account_id` (string): Only cards for this account id.
- `cursor` (string): Opaque pagination cursor from a previous response's next_cursor.
- `limit` (integer): Page size, 1–100. Default 100.
- `status` (string): Status filter (sent as status.in), e.g. active | disabled | canceled.

### `increase_list_entities` (~100 tokens)

List entities

List entities (the people/businesses — KYC records — that own accounts). Increase API: GET /entities. Filter by status (sent as status.in).

Input parameters:

- `cursor` (string): Opaque pagination cursor from a previous response's next_cursor.
- `limit` (integer): Page size, 1–100. Default 100.
- `status` (string): Status filter (sent as status.in), e.g. active | archived | disabled.

### `increase_list_external_accounts` (~96 tokens)

List external accounts

List external (counterparty) bank accounts registered in Increase. Increase API: GET /external_accounts. Filter by status (sent as status.in).

Input parameters:

- `cursor` (string): Opaque pagination cursor from a previous response's next_cursor.
- `limit` (integer): Page size, 1–100. Default 100.
- `status` (string): Status filter (sent as status.in), e.g. active | archived.

### `increase_lookup_routing_number` (~105 tokens)

Look up routing number

Look up a 9-digit ABA routing number to see which real-time services (ACH, Real-Time Payments, wire) that bank supports. Increase API: GET /routing_numbers.

Input parameters:

- `cursor` (string): Opaque pagination cursor from a previous response's next_cursor.
- `limit` (integer): Page size, 1–100. Default 100.
- `routing_number` (string, required): 9-digit ABA routing number to look up (query param routing_number).

### `increase_create_external_account` (~126 tokens)

Create external account

Registers an external (counterparty) bank account in Increase for future transfers. This creates a record only — it MOVES NO MONEY. Increase API: POST /external_accounts.

Input parameters:

- `account_holder` (string): The type of entity that owns the external account.
- `account_number` (string, required): The counterparty's account number.
- `description` (string, required): A human-readable description/name for this external account.
- `funding` (string): The type of the destination account. Default checking.
- `routing_number` (string, required): The counterparty's 9-digit ABA routing number.

## Diagnostics

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

## Score history

- 2026-08-03: 18
- 2026-08-02: 73
- 2026-08-01: 72
- 2026-07-31: 69
- 2026-07-29: 71
- 2026-07-28: 70
- 2026-07-27: 69
- 2026-07-26: 12

## Links

- Remote endpoint: https://increase.usefulapi.io/mcp
- Repository: https://github.com/m190/usefulapi-mcp
- Changelog RSS feed: https://verifymcp.io/servers/io-usefulapi-increase/increase/changelog.xml
- Changelog JSON feed: https://verifymcp.io/servers/io-usefulapi-increase/increase/changelog.json
- HTML version of this page: https://verifymcp.io/servers/io-usefulapi-increase/increase