io.usefulapi/modern-treasury
REMOTE · MODERN-TREASURY.USEFULAPI.IO · SCANNED SEP 20
MCP server for Modern Treasury — payment orders, transactions, counterparties and ledgers.
Available components
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 Security78
- The endpoint's TLS certificate is valid, in date, and uses a strong key. View diagnostics → Pass
- Authorisation is enforced on tool calls, advertised via RFC 9728 protected-resource metadata. Discovery is public, which costs nothing: no tool can be invoked without a token. View diagnostics → Pass
- HTTPS enforcement could not be verified: the plaintext port answered with HTTP 401, which proves neither a plaintext path nor enforcement. View diagnostics → Unverified
- HSTS check failed: the Strict-Transport-Security header is absent. See how to fix → View diagnostics → Fail
- DNSSEC check failed: this domain isn't protected by DNSSEC. See how to fix → View diagnostics → Fail
- The authorisation server offers only Dynamic Client Registration (RFC 7591), which MCP 2026-07-28 deprecated in favour of Client ID Metadata Documents. View diagnostics → Partial
Transport & Reachability100
- Verified streamable-http transport via a live MCP handshake. View diagnostics → Pass
Schema Quality & AI Usability82
- AI-judged instruction clarity (excellent).Pass
- Tool/resource definitions use about 1208 tokens (~71/item across 17 items; 17 tools + 0 resources), lean.Pass
- Usage-examples check failed: none of the tools include examples. See how to fix → Fail
Stability & Change Management100
- No destabilizing schema changes in the last 30 days.Pass
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
Tool Safety100
- No prompt-injection markers were found in the server instructions, tool names or descriptions we captured.Pass
- We read all 17 captured tool definition(s), and no name or description among them implies an irreversible operation.Pass
- An AI judge read all 17 captured unit(s) of tool text and found none that tries to manipulate the model reading it.Pass
Capabilities60
- Spec-recency check failed: implements MCP spec 2025-06-18; the latest is 2026-07-28. See how to fix → Fail
How do I install the io.usefulapi/modern-treasury MCP server?
io.usefulapi/modern-treasury is a hosted endpoint at https://modern-treasury.usefulapi.io/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 · modern-treasury.usefulapi.io
claude mcp add --transport http io-usefulapi-modern-treasury 'https://modern-treasury.usefulapi.io/mcp'
{
"mcpServers": {
"io-usefulapi-modern-treasury": {
"url": "https://modern-treasury.usefulapi.io/mcp"
}
}
} {
"servers": {
"io-usefulapi-modern-treasury": {
"type": "http",
"url": "https://modern-treasury.usefulapi.io/mcp"
}
}
} [mcp_servers.io-usefulapi-modern-treasury] url = "https://modern-treasury.usefulapi.io/mcp"
{
"$schema": "https://opencode.ai/config.json",
"mcp": {
"io-usefulapi-modern-treasury": {
"type": "remote",
"url": "https://modern-treasury.usefulapi.io/mcp",
"enabled": true
}
}
} openclaw mcp add io-usefulapi-modern-treasury --url 'https://modern-treasury.usefulapi.io/mcp' --transport streamable-http
mcp_servers:
io-usefulapi-modern-treasury:
url: "https://modern-treasury.usefulapi.io/mcp" {
"McpServers": {
"io-usefulapi-modern-treasury": {
"Transport": "http",
"Url": "https://modern-treasury.usefulapi.io/mcp"
}
}
} assistant mcp add io-usefulapi-modern-treasury -t streamable-http -u 'https://modern-treasury.usefulapi.io/mcp'
{
"mcpServers": {
"io-usefulapi-modern-treasury": {
"type": "http",
"url": "https://modern-treasury.usefulapi.io/mcp"
}
}
} The mcpServers block is a cross-client convention. Remote transports vary, so check your client's docs.
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 Sept 26 0
- Stability: 0.97 → pass security
- 2 Sept 26 0
- Stability: pass → 0.97 functional
- 26 Aug 26 +1
- We updated how we score, so this day's move reflects our rubric, not a change to the server See what changed → functional
- 24 Aug 26 +1
No change was recorded against any check on this day. Stability & Change Management went from 90 to 93. That category is still filling its 30-day observation window: 27 days of observed history at the previous scan, 28 at this one. The score rises as the window fills, whether or not the server changes.
- 11 Aug 26 0
- We updated how we score, so this day's move reflects our rubric, not a change to the server See what changed → functional
- 4 Aug 26 0
- Authorization: unverified → pass ▲ security
- MCP protocol: unverified → fail ▼ functional
- Endpoint reachability: not serving MCP → reachable ▲ functional
- Tool coverage: unverified → 100 ▲ functional
- Stability: unverified → 0.27 ▲ functional
- 3 Aug 26 0
- Endpoint reachability: reachable → not serving MCP ▼ security
- Authorization: pass → unverified ▼ security
- Stability: 0.20 → unverified ▼ security
- Capabilities: fail → unverified ▼ functional
- Tool coverage: 100 → unverified ▼ functional
- 31 Jul 26 0
- We updated how we score, so this day's move reflects our rubric, not a change to the server See what changed → functional
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 20 Sept 2026 · Probed https://modern-treasury.usefulapi.io/mcp
TLS valid
Negotiated TLS 1.3 with TLS_AES_128_GCM_SHA256 .
| Subject | Issuer | Valid from | Valid until | Key | Signature | Serial |
|---|---|---|---|---|---|---|
| CN=usefulapi.io | CN=WE1,O=Google Trust Services,C=US | 14 Sept 2026 | 13 Dec 2026 | ECDSA 256 | ECDSA-SHA256 | 9463d1c96d1f1adf13547f28c839c318 |
| SANs: usefulapi.io, modern-treasury.usefulapi.io, *.modern-treasury.usefulapi.io | ||||||
| CN=WE1,O=Google Trust Services,C=US (CA) | CN=GTS Root R4,O=Google Trust Services LLC,C=US | 13 Dec 2023 | 20 Feb 2029 | ECDSA 256 | ECDSA-SHA384 | 7ff31977972c224a76155d13b6d685e3 |
| CN=GTS Root R4,O=Google Trust Services LLC,C=US (CA) | CN=GlobalSign Root CA,OU=Root CA,O=GlobalSign nv-sa,C=BE | 15 Nov 2023 | 28 Jan 2028 | ECDSA 384 | SHA256-RSA | 7fe530bf331343bedd821610493d8a1b |
Background: What to check on a remote MCP endpoint →
DNSSEC insecure
Validation of modern-treasury.usefulapi.io. — Not signed
| Zone | DS | Keys | Algorithms | Outcome |
|---|---|---|---|---|
| . | trust_anchor | 20326, 38696 | 8, 8 | Verified |
| io. | present | 57355 | 8 | Verified |
| usefulapi.io. | absent | Unsigned (proven) parent-signed NSEC/NSEC3 proves an unsigned delegation |
Authentication Enforced and verified
The endpoint asked for a token and published valid RFC 9728 metadata describing how to get one.
| Result | Enforced and verified |
|---|---|
| Enforced | On tool calls |
| HTTP status | 200 |
WWW-Authenticate challenge Bearer realm="OAuth", resource_metadata="https://modern-treasury.usefulapi.io/.well-known/oauth-protected-resource/mcp", error="invalid_token", error_description="Missing or invalid access token"
Bearer realm="OAuth", resource_metadata="https://modern-treasury.usefulapi.io/.well-known/oauth-protected-resource/mcp", error="invalid_token", error_description="Missing or invalid access token"Protected resource metadata
| Document | https://modern-treasury.usefulapi.io/.well-known/oauth-protected-resource/mcp |
|---|---|
| Retrieved | Yes |
| Resource | https://modern-treasury.usefulapi.io/mcp |
| Authorisation server | https://modern-treasury.usefulapi.io |
Background: How OAuth 2.1 works in the 2026 MCP spec →
Transports 2 probes
| Transport | URL | Outcome | Status | Location |
|---|---|---|---|---|
| streamable-http | https://modern-treasury.usefulapi.io/mcp | Verified | 200 | |
| http (plaintext) | http://modern-treasury.usefulapi.io/mcp | Inconclusive | 401 |
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 →
modern_treasury_create_counterparty Create counterparty ~83
Creates a counterparty (contact) record in Modern Treasury. Creates a record only — no bank details, MOVES NO MONEY. API: POST /counterparties.
| Name | Type | Req | Description |
|---|---|---|---|
| string | – | Counterparty email. | |
| metadata | object | – | Arbitrary string key/value metadata. |
| name | string | yes | Counterparty (contact) name. |
No output schema declared.
No examples provided.
modern_treasury_get_counterparty Get counterparty ~41
Get a single counterparty by id. API: GET /counterparties/{id}.
| Name | Type | Req | Description |
|---|---|---|---|
| id | string | yes | Counterparty id. |
No output schema declared.
No examples provided.
modern_treasury_get_ledger_account Get ledger account ~44
Get a single ledger account by id, including balances. API: GET /ledger_accounts/{id}.
| Name | Type | Req | Description |
|---|---|---|---|
| id | string | yes | Ledger account id. |
No output schema declared.
No examples provided.
modern_treasury_get_payment_order Get payment order ~43
Get a single payment order by id (READ ONLY). API: GET /payment_orders/{id}.
| Name | Type | Req | Description |
|---|---|---|---|
| id | string | yes | Payment order id. |
No output schema declared.
No examples provided.
modern_treasury_get_transaction Get transaction ~36
Get a single transaction by id. API: GET /transactions/{id}.
| Name | Type | Req | Description |
|---|---|---|---|
| id | string | yes | Transaction id. |
No output schema declared.
No examples provided.
modern_treasury_list_counterparties List counterparties ~95
List counterparties (contacts). API: GET /counterparties.
| Name | Type | Req | Description |
|---|---|---|---|
| after_cursor | string | – | Pagination cursor from a prior response's next_cursor (X-After-Cursor header). |
| string | – | Filter by counterparty email. | |
| name | string | – | Filter by counterparty name. |
| per_page | integer | – | Results per page (default 25, max 100). |
No output schema declared.
No examples provided.
modern_treasury_list_expected_payments List expected payments ~92
List expected payments (READ ONLY). API: GET /expected_payments.
| Name | Type | Req | Description |
|---|---|---|---|
| after_cursor | string | – | Pagination cursor from a prior response's next_cursor (X-After-Cursor header). |
| per_page | integer | – | Results per page (default 25, max 100). |
| status | string | – | Filter by status, e.g. unreconciled, reconciled. |
No output schema declared.
No examples provided.
modern_treasury_list_external_accounts List external accounts ~87
List external (counterparty) bank accounts. API: GET /external_accounts.
| Name | Type | Req | Description |
|---|---|---|---|
| after_cursor | string | – | Pagination cursor from a prior response's next_cursor (X-After-Cursor header). |
| counterparty_id | string | – | Filter by owning counterparty id. |
| per_page | integer | – | Results per page (default 25, max 100). |
No output schema declared.
No examples provided.
modern_treasury_list_internal_accounts List internal accounts ~70
List your organization's internal bank accounts. API: GET /internal_accounts.
| Name | Type | Req | Description |
|---|---|---|---|
| after_cursor | string | – | Pagination cursor from a prior response's next_cursor (X-After-Cursor header). |
| per_page | integer | – | Results per page (default 25, max 100). |
No output schema declared.
No examples provided.
modern_treasury_list_ledger_accounts List ledger accounts ~80
List ledger accounts. API: GET /ledger_accounts.
| Name | Type | Req | Description |
|---|---|---|---|
| after_cursor | string | – | Pagination cursor from a prior response's next_cursor (X-After-Cursor header). |
| ledger_id | string | – | Filter by ledger id. |
| per_page | integer | – | Results per page (default 25, max 100). |
No output schema declared.
No examples provided.
modern_treasury_list_ledger_entries List ledger entries ~88
List ledger entries (individual debits/credits). API: GET /ledger_entries.
| Name | Type | Req | Description |
|---|---|---|---|
| after_cursor | string | – | Pagination cursor from a prior response's next_cursor (X-After-Cursor header). |
| ledger_account_id | string | – | Filter by ledger account id. |
| per_page | integer | – | Results per page (default 25, max 100). |
No output schema declared.
No examples provided.
modern_treasury_list_ledger_transactions List ledger transactions ~88
List ledger transactions (READ ONLY — does not post value). API: GET /ledger_transactions.
| Name | Type | Req | Description |
|---|---|---|---|
| after_cursor | string | – | Pagination cursor from a prior response's next_cursor (X-After-Cursor header). |
| ledger_id | string | – | Filter by ledger id. |
| per_page | integer | – | Results per page (default 25, max 100). |
No output schema declared.
No examples provided.
modern_treasury_list_ledgers List ledgers ~69
List double-entry ledgers. API: GET /ledgers.
| Name | Type | Req | Description |
|---|---|---|---|
| after_cursor | string | – | Pagination cursor from a prior response's next_cursor (X-After-Cursor header). |
| per_page | integer | – | Results per page (default 25, max 100). |
No output schema declared.
No examples provided.
modern_treasury_list_payment_orders List payment orders ~120
List payment orders (READ ONLY — does not create or approve payments). API: GET /payment_orders.
| Name | Type | Req | Description |
|---|---|---|---|
| after_cursor | string | – | Pagination cursor from a prior response's next_cursor (X-After-Cursor header). |
| counterparty_id | string | – | Filter by counterparty id. |
| direction | string | – | Filter by direction. |
| per_page | integer | – | Results per page (default 25, max 100). |
| status | string | – | Filter by status, e.g. approved, pending, completed. |
No output schema declared.
No examples provided.
modern_treasury_list_returns List returns ~71
List payment returns (e.g. ACH returns). API: GET /returns.
| Name | Type | Req | Description |
|---|---|---|---|
| after_cursor | string | – | Pagination cursor from a prior response's next_cursor (X-After-Cursor header). |
| per_page | integer | – | Results per page (default 25, max 100). |
No output schema declared.
No examples provided.
modern_treasury_list_transactions List transactions ~79
List bank transactions. API: GET /transactions.
| Name | Type | Req | Description |
|---|---|---|---|
| after_cursor | string | – | Pagination cursor from a prior response's next_cursor (X-After-Cursor header). |
| internal_account_id | string | – | Filter by internal account id. |
| per_page | integer | – | Results per page (default 25, max 100). |
No output schema declared.
No examples provided.
modern_treasury_ping Ping (auth check) ~22
Verify connectivity and credentials. API: GET /ping.
Input schema present but exposes no named parameters.
No output schema declared.
No examples provided.
What is the io.usefulapi/modern-treasury MCP server?
io.usefulapi/modern-treasury is an MCP server listed in the public MCP registry as io.usefulapi/modern-treasury. MCP server for Modern Treasury, payment orders, transactions, counterparties and ledgers. This page covers its hosted endpoint (https://modern-treasury.usefulapi.io/mcp).
Is the io.usefulapi/modern-treasury MCP server safe to use?
io.usefulapi/modern-treasury scores 86 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 io.usefulapi/modern-treasury MCP server expose?
io.usefulapi/modern-treasury exposes 17 tools: modern_treasury_ping, modern_treasury_list_counterparties, modern_treasury_get_counterparty, modern_treasury_list_internal_accounts, modern_treasury_list_external_accounts, and 12 more. Their descriptions and schemas cost roughly 1,208 tokens of context every time the server is loaded.
Does the io.usefulapi/modern-treasury MCP server require authentication?
Yes. io.usefulapi/modern-treasury asked us for credentials when we connected, so you will need to authorise it in your MCP client before it can do anything.
Is the io.usefulapi/modern-treasury MCP server still maintained?
io.usefulapi/modern-treasury 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.