# io.usefulapi/modern-treasury (remote · modern-treasury.usefulapi.io)

MCP server for Modern Treasury — payment orders, transactions, counterparties and ledgers.

- Trust score: 28/100 (low)
- Change this week: −41
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-08-03

## Components

- remote · `modern-treasury.usefulapi.io`: 28/100 (this document), [markdown](https://verifymcp.io/servers/io-usefulapi-modern-treasury/modern-treasury.md), [page](https://verifymcp.io/servers/io-usefulapi-modern-treasury/modern-treasury)

## Channel facts

- Endpoint: `https://modern-treasury.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**: 100/100
  - Verified streamable-http transport via a live MCP handshake.
- **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-modern-treasury https://modern-treasury.usefulapi.io/mcp
```

### Codex

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

### opencode

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

### OpenClaw

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

### Hermes

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

### Other

```json
{
  "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.

## 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 28, −45)

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

### 2026-08-02 (score 73, +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 72, +3)

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

### 2026-07-30 (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 (17)

### `modern_treasury_ping` (~22 tokens)

Ping (auth check)

Verify connectivity and credentials. API: GET /ping.

### `modern_treasury_list_counterparties` (~95 tokens)

List counterparties

List counterparties (contacts). API: GET /counterparties.

Input parameters:

- `after_cursor` (string): Pagination cursor from a prior response's next_cursor (X-After-Cursor header).
- `email` (string): Filter by counterparty email.
- `name` (string): Filter by counterparty name.
- `per_page` (integer): Results per page (default 25, max 100).

### `modern_treasury_get_counterparty` (~41 tokens)

Get counterparty

Get a single counterparty by id. API: GET /counterparties/{id}.

Input parameters:

- `id` (string, required): Counterparty id.

### `modern_treasury_list_internal_accounts` (~70 tokens)

List internal accounts

List your organization's internal bank accounts. API: GET /internal_accounts.

Input parameters:

- `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).

### `modern_treasury_list_external_accounts` (~87 tokens)

List external accounts

List external (counterparty) bank accounts. API: GET /external_accounts.

Input parameters:

- `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).

### `modern_treasury_list_payment_orders` (~120 tokens)

List payment orders

List payment orders (READ ONLY — does not create or approve payments). API: GET /payment_orders.

Input parameters:

- `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.

### `modern_treasury_get_payment_order` (~43 tokens)

Get payment order

Get a single payment order by id (READ ONLY). API: GET /payment_orders/{id}.

Input parameters:

- `id` (string, required): Payment order id.

### `modern_treasury_list_expected_payments` (~92 tokens)

List expected payments

List expected payments (READ ONLY). API: GET /expected_payments.

Input parameters:

- `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.

### `modern_treasury_list_transactions` (~79 tokens)

List transactions

List bank transactions. API: GET /transactions.

Input parameters:

- `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).

### `modern_treasury_get_transaction` (~36 tokens)

Get transaction

Get a single transaction by id. API: GET /transactions/{id}.

Input parameters:

- `id` (string, required): Transaction id.

### `modern_treasury_list_returns` (~71 tokens)

List returns

List payment returns (e.g. ACH returns). API: GET /returns.

Input parameters:

- `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).

### `modern_treasury_list_ledgers` (~69 tokens)

List ledgers

List double-entry ledgers. API: GET /ledgers.

Input parameters:

- `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).

### `modern_treasury_list_ledger_accounts` (~80 tokens)

List ledger accounts

List ledger accounts. API: GET /ledger_accounts.

Input parameters:

- `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).

### `modern_treasury_get_ledger_account` (~44 tokens)

Get ledger account

Get a single ledger account by id, including balances. API: GET /ledger_accounts/{id}.

Input parameters:

- `id` (string, required): Ledger account id.

### `modern_treasury_list_ledger_transactions` (~88 tokens)

List ledger transactions

List ledger transactions (READ ONLY — does not post value). API: GET /ledger_transactions.

Input parameters:

- `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).

### `modern_treasury_list_ledger_entries` (~88 tokens)

List ledger entries

List ledger entries (individual debits/credits). API: GET /ledger_entries.

Input parameters:

- `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).

### `modern_treasury_create_counterparty` (~83 tokens)

Create counterparty

Creates a counterparty (contact) record in Modern Treasury. Creates a record only — no bank details, MOVES NO MONEY. API: POST /counterparties.

Input parameters:

- `email` (string): Counterparty email.
- `metadata` (object): Arbitrary string key/value metadata.
- `name` (string, required): Counterparty (contact) name.

## Diagnostics

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

## Score history

- 2026-08-03: 28
- 2026-08-02: 73
- 2026-08-01: 72
- 2026-07-31: 72
- 2026-07-30: 69
- 2026-07-29: 71
- 2026-07-28: 70
- 2026-07-27: 69
- 2026-07-26: 12

## Links

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