# SmartAccounts MCP by usefulapi (remote · smartaccounts.usefulapi.io)

Read SmartAccounts clients, vendors, invoices, payments, ledger, accounts; create and book records.

- Trust score: 64/100 (medium)
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-10-17

## Components

- remote · `smartaccounts.usefulapi.io`: 64/100 (this document), [markdown](https://verifymcp.io/servers/io-usefulapi-smartaccounts/smartaccounts.md), [page](https://verifymcp.io/servers/io-usefulapi-smartaccounts/smartaccounts)

## Channel facts

- Endpoint: `https://smartaccounts.usefulapi.io/mcp`
- Transports: `streamable-http`
- Auth: `required`
- 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 2026-10-17.

- **Endpoint Security**: 78/100
  - The endpoint's TLS certificate is valid, in date, and uses a strong key.
  - 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.
  - HTTPS enforcement could not be verified: the plaintext port redirected somewhere other than https, so enforcement is unproven.
  - HSTS check failed: the Strict-Transport-Security header is absent.
  - DNSSEC check failed: this domain isn't protected by DNSSEC.
  - The authorisation server offers only Dynamic Client Registration (RFC 7591), which MCP 2026-07-28 deprecated in favour of Client ID Metadata Documents.
- **Transport & Reachability**: 0/100
  - Transport check failed: declared streamable-http, but the endpoint redirected instead of responding directly.
- **Schema Quality & AI Usability**: 76/100
  - 100% of prompts and resources have a non-trivial description (not blank, and not just the item's name).
  - AI-judged instruction clarity (good).
  - Context-footprint check failed: tool/resource definitions use about 3662 tokens (~203/item across 18 items; 18 tools + 0 resources), over budget; trim descriptions and params.
  - Usage-examples check failed: none of the tools include examples.
- **Stability & Change Management**: 17/100
  - Stability observed for 5 of 30 days with no destabilising changes; credit accrues until the full window elapses.
- **Tool Coverage**: 98/100
  - 100% of tools have a non-trivial description (not blank, and not just the tool's name).
  - 95% of tool parameters carry a description.
- **Tool Safety**: 100/100
  - No prompt-injection markers were found in the server instructions, tool names or descriptions we captured.
  - We read all 18 captured tool definition(s), and no name or description among them implies an irreversible operation.
  - An AI judge read all 19 captured unit(s) of tool text and found none that tries to manipulate the model reading it.
- **Capabilities**: 60/100
  - Spec-recency check failed: implements MCP spec 2025-06-18; the latest is 2026-07-28.

## Install

### How do I install the SmartAccounts MCP by usefulapi server?

SmartAccounts MCP by usefulapi is a hosted endpoint at https://smartaccounts.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.

### Claude

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

### Cursor

```json
{
  "mcpServers": {
    "io-usefulapi-smartaccounts": {
      "url": "https://smartaccounts.usefulapi.io/mcp"
    }
  }
}
```

### VS Code

```json
{
  "servers": {
    "io-usefulapi-smartaccounts": {
      "type": "http",
      "url": "https://smartaccounts.usefulapi.io/mcp"
    }
  }
}
```

### Codex

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

### opencode

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

### OpenClaw

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

### Hermes

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

### Netclaw

```json
{
  "McpServers": {
    "io-usefulapi-smartaccounts": {
      "Transport": "http",
      "Url": "https://smartaccounts.usefulapi.io/mcp"
    }
  }
}
```

### Vellum

```bash
assistant mcp add io-usefulapi-smartaccounts -t streamable-http -u 'https://smartaccounts.usefulapi.io/mcp'
```

### Other

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

### 2026-10-17 (score 64, +1)

No change was recorded against any check on this day. Stability & Change Management went from 13 to 17. That category is still filling its 30-day observation window: 4 days of observed history at the previous scan, 5 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-10-15 (score 63, +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.

### 2026-10-14 (score 62, +3)

- [security] The server rewrote its instructions, which are the text every model session reads
- [functional] The server now declares the “prompts” capability
- [functional] First check of Schema quality: 100
- [functional] New prompt “getting_started”
- [functional] Server version: 1.0.0 → 1.1.0

### 2026-10-13 (score 59, 0)

- [functional improvement] Stability: unverified → 0.03

### 2026-10-12 (score 59)

First indexed and scored.

## MCP tools (18)

### `smartaccounts_list_clients` (~231 tokens)

List or search clients

Customers of the company (purchasesales/clients:get): id, name, regCode, vatNumber, bank account, due days, discount, VAT code. Filter by name or registry code, by id, or by modification time. Paged (100 per page). The vendor limit is 60 requests per minute and 1000 per 24 hours; every call here is one request.

Input parameters:

- `fetch_addresses` (boolean): Include addresses.
- `fetch_contacts` (boolean): Include contacts (emails, phones).
- `id` (string): A specific client id.
- `modified_from` (string): Only clients modified after, yyyy-mm-dd (or yyyy-mm-ddTHH:mm:ss, Estonian time).
- `modified_to` (string): Only clients modified until, yyyy-mm-dd (or yyyy-mm-ddTHH:mm:ss, Estonian time).
- `name_or_reg_code` (string): Name or registry code to search for.
- `page` (integer): Page number, 1-based (default 1). Use next_page_number from the previous reply (100 objects per page).

### `smartaccounts_get_client_balance` (~113 tokens)

Get a client's outstanding balance

The outstanding balance of one client (purchasesales/clients:getbalance), optionally on a past date and with the open documents. The vendor limit is 60 requests per minute and 1000 per 24 hours; every call here is one request.

Input parameters:

- `balance_date` (string): Balance on this date, yyyy-mm-dd (default today).
- `fetch_details` (boolean): Include the documents that make up the balance.
- `id` (string, required): The client id (from smartaccounts_list_clients).

### `smartaccounts_list_vendors` (~226 tokens)

List or search vendors

Suppliers of the company (purchasesales/vendors:get): id, name, regCode, vatNumber, bank account, VAT code. Filter by name or registry code, by id, or by modification time. Paged (100 per page). The vendor limit is 60 requests per minute and 1000 per 24 hours; every call here is one request.

Input parameters:

- `fetch_addresses` (boolean): Include addresses.
- `fetch_contacts` (boolean): Include contacts (emails, phones).
- `id` (string): A specific vendor id.
- `modified_from` (string): Only vendors modified after, yyyy-mm-dd (or yyyy-mm-ddTHH:mm:ss, Estonian time).
- `modified_to` (string): Only vendors modified until, yyyy-mm-dd (or yyyy-mm-ddTHH:mm:ss, Estonian time).
- `name_or_reg_code` (string): Name or registry code to search for.
- `page` (integer): Page number, 1-based (default 1). Use next_page_number from the previous reply (100 objects per page).

### `smartaccounts_get_vendor_balance` (~114 tokens)

Get a vendor's outstanding balance

The outstanding balance owed to one vendor (purchasesales/vendors:getbalance), optionally on a past date and with the open documents. The vendor limit is 60 requests per minute and 1000 per 24 hours; every call here is one request.

Input parameters:

- `balance_date` (string): Balance on this date, yyyy-mm-dd (default today).
- `fetch_details` (boolean): Include the documents that make up the balance.
- `id` (string, required): The vendor id (from smartaccounts_list_vendors).

### `smartaccounts_list_articles` (~198 tokens)

List or search articles

Products, services and warehouse items (purchasesales/articles:get): code, description, type, unit, VAT code, sales and purchase prices, accounts. Search by code or name, or by modification time. Paged (100 per page). The vendor limit is 60 requests per minute and 1000 per 24 hours; every call here is one request.

Input parameters:

- `code` (string): A specific article code.
- `modified_from` (string): Only articles modified after, yyyy-mm-dd (or yyyy-mm-ddTHH:mm:ss, Estonian time).
- `modified_to` (string): Only articles modified before, yyyy-mm-dd (or yyyy-mm-ddTHH:mm:ss, Estonian time).
- `page` (integer): Page number, 1-based (default 1). Use next_page_number from the previous reply (100 objects per page).
- `search_string` (string): Filter by article code or name.

### `smartaccounts_list_sales_invoices` (~291 tokens)

List sales invoices

Sales (client) invoices (purchasesales/clientinvoices:get): number, client, dates, amounts, VAT, outstanding amount, optionally the rows. Filter by date, client, number or payment status (unpaid, overdue). Paged (100 per page). The vendor limit is 60 requests per minute and 1000 per 24 hours; every call here is one request.

Input parameters:

- `client_id` (string): Only this client's invoices.
- `client_name` (string): Filter by client name.
- `date_from` (string): Invoices dated from, yyyy-mm-dd (or yyyy-mm-ddTHH:mm:ss, Estonian time).
- `date_to` (string): Invoices dated to, yyyy-mm-dd (or yyyy-mm-ddTHH:mm:ss, Estonian time).
- `date_type` (string): Which date the range filters: invoice date (default), entry date, due date or modification time.
- `fetch_rows` (boolean): Include the invoice rows.
- `id` (string): A specific invoice id.
- `invoice_number` (string): Filter by invoice number.
- `page` (integer): Page number, 1-based (default 1). Use next_page_number from the previous reply (100 objects per page).
- `payment_status` (string): unpaid = not fully paid; overdue = unpaid and past due. Omit for all.

### `smartaccounts_list_purchase_invoices` (~292 tokens)

List purchase invoices

Purchase (vendor) invoices (purchasesales/vendorinvoices:get): number, vendor, dates, amounts, VAT, outstanding amount, optionally the rows. Filter by date, vendor, number or payment status (unpaid, overdue). Paged (100 per page). The vendor limit is 60 requests per minute and 1000 per 24 hours; every call here is one request.

Input parameters:

- `date_from` (string): Invoices dated from, yyyy-mm-dd (or yyyy-mm-ddTHH:mm:ss, Estonian time).
- `date_to` (string): Invoices dated to, yyyy-mm-dd (or yyyy-mm-ddTHH:mm:ss, Estonian time).
- `date_type` (string): Which date the range filters: invoice date (default), entry date, due date or modification time.
- `fetch_rows` (boolean): Include the invoice rows.
- `id` (string): A specific invoice id.
- `invoice_number` (string): Filter by invoice number.
- `page` (integer): Page number, 1-based (default 1). Use next_page_number from the previous reply (100 objects per page).
- `payment_status` (string): unpaid = not fully paid; overdue = unpaid and past due. Omit for all.
- `vendor_id` (string): Only this vendor's invoices.
- `vendor_name` (string): Filter by vendor name.

### `smartaccounts_list_payments` (~284 tokens)

List payments

Bank and cash payments from clients and to vendors (purchasesales/payments:get): date, partner, account, currency, amount, optionally the rows (which invoices were paid). Paged (100 per page). The vendor limit is 60 requests per minute and 1000 per 24 hours; every call here is one request.

Input parameters:

- `account_name` (string): Filter by the bank or cash account name.
- `account_type` (string): Only bank or only cash payments.
- `date_from` (string): Payments dated from, yyyy-mm-dd (or yyyy-mm-ddTHH:mm:ss, Estonian time).
- `date_to` (string): Payments dated to, yyyy-mm-dd (or yyyy-mm-ddTHH:mm:ss, Estonian time).
- `date_type` (string): Which date the range filters: payment date (default) or modification time.
- `fetch_rows` (boolean): Include the payment rows.
- `id` (string): A specific payment id.
- `page` (integer): Page number, 1-based (default 1). Use next_page_number from the previous reply (100 objects per page).
- `partner_id` (string): Filter by client or vendor id.
- `partner_name` (string): Filter by client or vendor name.
- `partner_type` (string): Only client payments or only vendor payments.

### `smartaccounts_list_ledger_entries` (~273 tokens)

List general ledger entries

General ledger entries of every type (general/entries:get): manual entries, invoices, payments, VAT returns, depreciation. Filter by date, type, text or payment status. Paged (100 per page). The vendor limit is 60 requests per minute and 1000 per 24 hours; every call here is one request.

Input parameters:

- `date_from` (string): Entries dated from, yyyy-mm-dd (or yyyy-mm-ddTHH:mm:ss, Estonian time).
- `date_to` (string): Entries dated to, yyyy-mm-dd (or yyyy-mm-ddTHH:mm:ss, Estonian time).
- `date_type` (string): Which date the range filters: entry date (default) or added/modified time.
- `doc_type` (string): Only entries of this type (LEDGER_ENTRY = manual ledger entry).
- `fetch_rows` (boolean): Include the entry rows (account, debit, credit).
- `filter_description` (string): Filter by document number or row description.
- `id` (string): A specific entry id.
- `page` (integer): Page number, 1-based (default 1). Use next_page_number from the previous reply (100 objects per page).
- `payment_status` (string): unpaid or overdue invoices only. Omit for all.

### `smartaccounts_list_accounts` (~77 tokens)

List the chart of accounts

The chart of accounts: code, type (ASSET, LIABILITY, INCOME, EXPENSE), Estonian and English description. Use the codes in ledger entries. (settings/accounts:get). Not paged. The vendor limit is 60 requests per minute and 1000 per 24 hours; every call here is one request.

### `smartaccounts_list_vat_rates` (~77 tokens)

List VAT rates

VAT codes: vatPc code, percentage, descriptions, whether active for sales or purchases, accounts. Use vatPc in client and invoice rows. (settings/vatpcs:get). Not paged. The vendor limit is 60 requests per minute and 1000 per 24 hours; every call here is one request.

### `smartaccounts_list_bank_accounts` (~72 tokens)

List bank accounts

The company's bank accounts: name (used as accountName in payments), ledger account, currency, IBAN, SWIFT. (settings/bankaccounts:get). Not paged. The vendor limit is 60 requests per minute and 1000 per 24 hours; every call here is one request.

### `smartaccounts_list_cash_accounts` (~66 tokens)

List cash accounts

The company's cash registers: name (used as accountName in payments), ledger account, currency. (settings/cashaccounts:get). Not paged. The vendor limit is 60 requests per minute and 1000 per 24 hours; every call here is one request.

### `smartaccounts_list_payment_methods` (~57 tokens)

List payment methods

Payment methods: name, ledger account, whether cash. (settings/paymentmethods:get). Not paged. The vendor limit is 60 requests per minute and 1000 per 24 hours; every call here is one request.

### `smartaccounts_create_client` (~285 tokens)

Create a client

Add a new client (purchasesales/clients:add). Search first with smartaccounts_list_clients so a client is not created twice. Returns clientId and the generated referenceNumber. This creates a real accounting record in the company's books. This server cannot edit or delete it; correct it in SmartAccounts. It never retries: if a reply is unclear, look in SmartAccounts before calling again. The vendor limit is 60 requests per minute and 1000 per 24 hours; every call here is one request.

Input parameters:

- `address1` (string)
- `address2` (string)
- `bank_account` (string): Bank account number (IBAN).
- `city` (string)
- `comment` (string): Internal comment.
- `country` (string): 2-letter ISO country code, for example EE.
- `county` (string)
- `email` (string): Contact email.
- `invoice_due_days` (integer): Default invoice due date in days.
- `name` (string, required): Client name.
- `phone` (string): Contact phone.
- `postal_code` (string)
- `reg_code` (string): Company registry code.
- `vat_number` (string): VAT registration number.
- `vat_pc` (string, required): The client's default VAT code (the vatPc of smartaccounts_list_vat_rates), for example 20.

### `smartaccounts_create_sales_invoice` (~317 tokens)

Create a sales invoice

Post a new sales (client) invoice (purchasesales/clientinvoices:add). The invoice number is generated by SmartAccounts, totals and VAT are calculated from the rows, and the invoice is booked to the ledger at once (it is not a draft). The client must exist (smartaccounts_list_clients); each row's code must be an article code (smartaccounts_list_articles) and vat_pc a VAT code (smartaccounts_list_vat_rates). Fails if the period is locked. Returns invoiceId, number and the totals. This creates a real accounting record in the company's books. This server cannot edit or delete it; correct it in SmartAccounts. It never retries: if a reply is unclear, look in SmartAccounts before calling again. The vendor limit is 60 requests per minute and 1000 per 24 hours; every call here is one request.

Input parameters:

- `client_id` (string, required): The client id (from smartaccounts_list_clients).
- `comment` (string): Internal comment.
- `currency` (string): Currency code (default EUR).
- `date` (string, required): Invoice date, yyyy-mm-dd.
- `due_date` (string): Due date, yyyy-mm-dd (default from the client's settings).
- `exchange_rate` (number): Exchange rate; only for a currency without an ECB rate.
- `invoice_note` (string): Additional text printed on the invoice PDF.
- `reference_number` (string): Reference number for payment orders (default generated).
- `rows` (array, required): Invoice rows.

### `smartaccounts_create_payment` (~312 tokens)

Create a payment

Record a bank or cash payment against one or more invoices (purchasesales/payments:add): a client paying a sales invoice, or a payment to a vendor for a purchase invoice. Use smartaccounts_list_bank_accounts or _list_cash_accounts for account_name, and the invoice ids from the invoice lists. The currency must match the account's currency. Returns paymentId, number and amount. This creates a real accounting record in the company's books. This server cannot edit or delete it; correct it in SmartAccounts. It never retries: if a reply is unclear, look in SmartAccounts before calling again. The vendor limit is 60 requests per minute and 1000 per 24 hours; every call here is one request.

Input parameters:

- `account_name` (string, required): The name of the bank or cash account.
- `account_type` (string, required): BANK or CASH.
- `comment` (string): Internal comment.
- `currency` (string, required): Currency code, for example EUR; must match the account's currency.
- `date` (string, required): Payment date, yyyy-mm-dd.
- `document` (string): Document number text.
- `exchange_rate` (number): Exchange rate; only for a currency without an ECB rate.
- `partner_id` (string, required): The client id (partner_type CLIENT) or vendor id (VENDOR).
- `partner_type` (string, required): CLIENT = money received from a client; VENDOR = money paid to a vendor.
- `rows` (array, required): The invoices this payment settles.

### `smartaccounts_create_ledger_entry` (~176 tokens)

Create a manual ledger entry

Post a manual general ledger entry (journal entry, general/entries:add) in EUR. Debits must equal credits. Account codes come from smartaccounts_list_accounts. Fails if the period is locked. Returns id, number and amount. This creates a real accounting record in the company's books. This server cannot edit or delete it; correct it in SmartAccounts. It never retries: if a reply is unclear, look in SmartAccounts before calling again. The vendor limit is 60 requests per minute and 1000 per 24 hours; every call here is one request.

Input parameters:

- `comment` (string): Internal comment.
- `date` (string, required): Entry date, yyyy-mm-dd.
- `document` (string): Document number text.
- `rows` (array, required): Entry rows; total debit must equal total credit.

## Diagnostics

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

## Score history

- 2026-10-17: 64
- 2026-10-16: 63
- 2026-10-15: 63
- 2026-10-14: 62
- 2026-10-13: 59
- 2026-10-12: 59

## Common questions

### What is the SmartAccounts MCP by usefulapi server?

SmartAccounts MCP by usefulapi is listed in the public MCP registry as io.usefulapi/smartaccounts. Read SmartAccounts clients, vendors, invoices, payments, ledger, accounts; create and book records. This page covers its hosted endpoint (https://smartaccounts.usefulapi.io/mcp).

### Is the SmartAccounts MCP by usefulapi server safe to use?

SmartAccounts MCP by usefulapi scores 64 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 SmartAccounts MCP by usefulapi server expose?

SmartAccounts MCP by usefulapi exposes 18 tools: smartaccounts_list_clients, smartaccounts_get_client_balance, smartaccounts_list_vendors, smartaccounts_get_vendor_balance, smartaccounts_list_articles, and 13 more. Their descriptions and schemas cost roughly 3,461 tokens of context every time the server is loaded.

### Does the SmartAccounts MCP by usefulapi server require authentication?

Yes. SmartAccounts MCP by usefulapi 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 SmartAccounts MCP by usefulapi server still maintained?

SmartAccounts MCP by usefulapi is still listed as active in the MCP registry. We last reached this channel on 17 October 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://smartaccounts.usefulapi.io/mcp
- Repository: https://github.com/m190/usefulapi-mcp
- Website: https://usefulapi.io/smartaccounts/
- Changelog RSS feed: https://verifymcp.io/servers/io-usefulapi-smartaccounts/smartaccounts.xml
- Changelog JSON feed: https://verifymcp.io/servers/io-usefulapi-smartaccounts/smartaccounts.json
- HTML version of this page: https://verifymcp.io/servers/io-usefulapi-smartaccounts/smartaccounts