# io.github.lonniev/schwab-mcp (remote · schwab-mcp.fastmcp.app)

Multi-tenant FastMCP server for Charles Schwab brokerage data, monetized via DPYC Tollbooth

- Trust score: 58/100 (low)
- Change this week: +6
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-08-03

## Components

- remote · `schwab-mcp.fastmcp.app`: 58/100 (this document), [markdown](https://verifymcp.io/servers/lonniev-schwab-mcp/schwab-mcp.md), [page](https://verifymcp.io/servers/lonniev-schwab-mcp/schwab-mcp)

## Channel facts

- Endpoint: `https://schwab-mcp.fastmcp.app/mcp`
- Transports: `streamable-http`
- Auth: `none`
- Version: `0.12.2`

## 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**: 57/100
  - The endpoint's TLS certificate is valid, in date, and uses a strong key.
  - Authorisation not fully verified: no authorisation is required to call this server, and 62 tool(s) never declared a destructiveHint. The MCP spec treats an absent hint as destructive by default, so we cannot call this surface safe.
  - HTTPS is enforced; there's no plaintext access path.
  - 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**: 35/100
  - AI-judged instruction clarity (fair).
  - Context-footprint check failed: tool/resource definitions use about 11735 tokens (~189/item across 62 items; 62 tools + 0 resources), over budget; trim descriptions and params.
  - Usage-examples check failed: none of the tools include examples.
- **Stability & Change Management**: 27/100
  - Stability observed for 8 of 30 days with no destabilising changes; credit accrues until the full window elapses.
- **Tool Coverage**: 92/100
  - 100% of tools have a non-trivial description (not blank, and not just the tool's name).
  - 72% of tool parameters carry a description.
  - Structured output schemas are declared (100% of tools); any adoption earns full credit.
- **Capabilities**: 100/100
  - Implements a supported MCP spec version (2025-11-25); the latest is 2026-07-28.

## Install

### Claude

```bash
claude mcp add --transport http lonniev-schwab-mcp https://schwab-mcp.fastmcp.app/mcp
```

### Codex

```toml
[mcp_servers.lonniev-schwab-mcp]
url = "https://schwab-mcp.fastmcp.app/mcp"
```

### opencode

```json
{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "lonniev-schwab-mcp": {
      "type": "remote",
      "url": "https://schwab-mcp.fastmcp.app/mcp",
      "enabled": true
    }
  }
}
```

### OpenClaw

```bash
openclaw mcp add lonniev-schwab-mcp --url https://schwab-mcp.fastmcp.app/mcp --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  lonniev-schwab-mcp:
    url: "https://schwab-mcp.fastmcp.app/mcp"
```

### Other

```json
{
  "mcpServers": {
    "lonniev-schwab-mcp": {
      "type": "http",
      "url": "https://schwab-mcp.fastmcp.app/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 58, +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.

### 2026-07-31 (score 57, +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 54, +1)

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

### 2026-07-28 (score 53, +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.

### 2026-07-27 (score 52, +1)

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

### 2026-07-26 (score 51)

First indexed and scored.

## MCP tools (62)

### `schwab_check_balance` (~209 tokens)

Check a patron's credit balance at this operator.

This is the patron's spending balance — credits purchased via
Lightning for tool calls at this operator. For the operator's
own balance at the Authority (needed to certify patron purchases),
use authority_check_balance instead.

Free — no credits required. Proof of npub ownership is required
to prevent anyone-with-the-registry from enumerating balances.

Input parameters:

- `dpop_token` (string, required): Raw JSON of a kind-27235 Nostr event signed by npub — not base64, not NIP-98 'Authorization: Nostr <b64>' framing. Its `u` tag must hold THIS tool's exact name (from tools/list), not the endpoint URL…
- `npub` (string, required): The Nostr public key (npub1...) whose balance to check.

### `schwab_purchase_credits` (~199 tokens)

Buy credits via Bitcoin Lightning.

Creates a Lightning invoice. Pay it with any Lightning wallet,
then call check_payment to confirm. Proof of npub ownership is
required so credits land in the correct ledger.

Free — no credits required to call.

Input parameters:

- `amount_sats` (integer): Satoshis to purchase (default 1000).
- `dpop_token` (string, required): Raw JSON of a kind-27235 Nostr event signed by npub — not base64, not NIP-98 'Authorization: Nostr <b64>' framing. Its `u` tag must hold THIS tool's exact name (from tools/list), not the endpoint URL…
- `npub` (string, required): The Nostr public key (npub1...) the credits will fund.

### `schwab_check_payment` (~195 tokens)

Check the payment status of a Lightning invoice.

Call after paying the invoice from purchase_credits.
Free — no credits required. Proof of npub ownership is required
to prevent credit-grant front-running by an observer of the
invoice ID.

Input parameters:

- `dpop_token` (string, required): Raw JSON of a kind-27235 Nostr event signed by npub — not base64, not NIP-98 'Authorization: Nostr <b64>' framing. Its `u` tag must hold THIS tool's exact name (from tools/list), not the endpoint URL…
- `invoice_id` (string, required): The invoice ID returned by purchase_credits.
- `npub` (string, required): The Nostr public key (npub1...) that purchased the invoice.

### `schwab_restore_credits` (~234 tokens)

Credit a patron's ledger from a BTCPay-settled invoice.

\**RESTRICTED to the operator** — the operator owns the books and is
the only party who can issue a manual credit grant. Patrons who
believe they paid but never got credits must escalate to the
operator's support, who then invokes this tool on their behalf.

Use cases: cold-start vault races during check_payment, ncred
delivery hiccups, patrons closing Top-Off sheets before settle,
any infrastructure incident that left an invoice settled at BTCPay
but uncredited on the operator's ledger.

Idempotent — if the invoice is already credited (in the patron's
\``credited_invoices``), returns success with credits_granted=0.

Input parameters:

- `dpop_token` (string, required): A kind-27235 Nostr event signed by the OPERATOR's nsec for this tool. Patron proofs are rejected.
- `invoice_id` (string, required): The BTCPay invoice ID to verify and credit.
- `patron_npub` (string, required): The patron's npub whose ledger receives the grant.

### `schwab_account_statement` (~223 tokens)

Generate a patron's account statement at this operator.

Returns the patron's purchase history, active credit tranches,
per-tool usage breakdown, and recent daily usage logs. This is
the patron's spending account — not the operator's Authority
tax balance.

Free — no credits consumed. Proof of npub ownership is required
to prevent statement-scraping of arbitrary patrons.

Input parameters:

- `days` (integer): Number of days of daily usage history to include (default 30).
- `dpop_token` (string, required): Raw JSON of a kind-27235 Nostr event signed by npub — not base64, not NIP-98 'Authorization: Nostr <b64>' framing. Its `u` tag must hold THIS tool's exact name (from tools/list), not the endpoint URL…
- `npub` (string, required): The patron's Nostr public key (npub1...).

### `schwab_account_statement_infographic` (~223 tokens)

Generate a visual SVG infographic of your account statement.

Returns the same data as account_statement, rendered as a dark-themed
SVG graphic with balance hero, metrics cards, health gauge, tranche
table, and tool usage breakdown. Costs 1 api_sat per call. Proof is
verified by ``debit_or_deny`` before any cost is incurred.

Input parameters:

- `days` (integer): Number of days of daily usage history to include (default 30).
- `dpop_token` (string, required): Raw JSON of a kind-27235 Nostr event signed by npub — not base64, not NIP-98 'Authorization: Nostr <b64>' framing. Its `u` tag must hold THIS tool's exact name (from tools/list), not the endpoint URL…
- `npub` (string, required): The Nostr public key (npub1...) whose statement to render.

### `schwab_report_issue` (~348 tokens)

File a field report about this service as a GitHub issue on the operator's repo.

Found a tool's metadata or response wrong or confusing? Report it where the tool
lives. The **author of record is your npub** — no npub / no proof, no issue — and it
is stamped into the issue so the report is attributed to you, not the operator. Costs
a small fee (a free write to an issue tracker would be abused). The report is PUBLIC
and goes to the maintainers' normal triage; nothing is verified here.

Returns the filed issue's repo, number, and url. If this operator has not enabled
field reports, returns an "issue reporting not configured" situation and you are not
charged.

Input parameters:

- `body` (string, required): The details — which tool, what was wrong, what you expected.
- `dpop_token` (string, required): Raw JSON of a kind-27235 Nostr event signed by npub — not base64, not NIP-98 'Authorization: Nostr <b64>' framing. Its `u` tag must hold THIS tool's exact name (from tools/list), not the endpoint URL…
- `npub` (string, required): Your Nostr public key (npub1...); the report's author of record.
- `title` (string, required): One-line summary of the problem.
- `tool_name` (string): Optional: the specific tool the report is about (e.g. "schwab_get_option_chain").

### `schwab_service_status` (~21 tokens)

Check the health and configuration of this service. Free.

### `schwab_get_operator_onboarding_status` (~57 tokens)

Report this operator's configuration readiness.

Shows which operator settings are configured, which are missing,
and how to deliver each missing value. For patron-level credential
status, use get_patron_onboarding_status instead. Free.

### `schwab_get_patron_onboarding_status` (~138 tokens)

Report a patron's credential readiness for this operator.

For set-once services (eXcalibur, TheBrain), shows which patron
secrets are configured and which are missing. For dynamic/OAuth2
services (Schwab), reports that no patron credentials are needed.
Free. Proof of npub ownership is required because credential
presence is sensitive information about the patron's setup.

Input parameters:

- `dpop_token` (string, required): A kind-27235 Nostr event signed by patron_npub for this tool.
- `patron_npub` (string, required): The patron's Nostr public key (npub1...).

### `schwab_session_status` (~286 tokens)

Check operator readiness. Returns the operator lifecycle
state and clear guidance on what to do next. Free.

Lifecycle states:
\- ready: Operator is warm and fully operational — vault AND pricing
  model verified. Proceed with tool calls.
\- warming_up: Operator is initializing (cold start). Try a tool call — it will warm up on demand.
\- misconfigured: Persistence rejected a query with a permanent SQL
  error (permission denied, missing relation). Paid tools will fail
  until the operator repairs the database — retrying does not help.
\- quota_exceeded: The persistence provider (Neon) answered HTTP 402 —
  the operator's database has exhausted its compute/storage quota, so
  the books are locked for billing. Paid tools fail; retrying does NOT
  help. The operator's Authority must restore capacity (upgrade the
  plan or wait for the quota reset). Free tools remain available.
\- not_registered: Operator has no Authority relationship yet. Call register_operator first.
\- no_identity: Operator nsec is not configured. Deployment issue.

Input parameters:

- `patron_npub` (string): Optional. If supplied, the response includes an ``upstream_oauth`` block with the patron's stored OAuth token expiry (runtime-derived from vault state) so a client can refresh proactively rather than…

### `schwab_request_credential_channel` (~251 tokens)

Open a Secure Courier channel for credential delivery.

This is the CREDENTIAL-DELIVERY flow — use it to hand over a service
secret (API keys, tokens). To merely prove you control an npub (the
usual answer to a ``proof_required`` error), use ``request_npub_proof``
instead. Note: dynamic/OAuth2 services (e.g. Schwab) need NO couriered
secret — check ``service_status`` first.

Sends a welcome DM with a credential template. The recipient
must read the DM in their Nostr client, fill in the fields,
and reply manually. **This is a human-in-the-loop flow.**

After calling this tool, STOP and tell the user what to do.
Wait for the user to confirm they have replied before calling
\``receive_credentials``. Do NOT poll or retry — each
\``receive_credentials`` call destructively drains the relay
mailbox.

Input parameters:

- `sender_npub` (string): Required. The npub to send the template to.
- `service` (string): Required. The credential service name (e.g., from get_operator_onboarding_status or get_patron_onboarding_status).

### `schwab_receive_credentials` (~323 tokens)

Pick up credentials from the Secure Courier.

Completes the CREDENTIAL-DELIVERY flow (the ownership-proof
counterpart is ``receive_npub_proof``).

\**Call this only after the user confirms they have replied.**
Deterministic, one-shot retrieval: name the response you want with
\``(sender_npub, service, dpop_token)`` and the tool drains ONLY the
rendezvous relay that channel was pinned to. Every popped DM with the
wrong session phrase is deleted and its sender is NACK'd; the first DM
with the matching phrase is accepted (ACK'd) and the scan stops. If
none match, the queue is drained and a ``courier_not_found`` result is
returned. Do NOT poll, loop, or retry.

If a credential_card (ncred1...) is provided, it is redeemed directly
without any relay access (dpop_token not required for that path). On
success, the payment processor client is reinitialized from the new
credentials — no server restart needed.

Input parameters:

- `credential_card` (string): Optional. An ncred1... card to redeem directly (bypasses the relay drain; dpop_token not needed).
- `dpop_token` (string): Required. The session phrase returned by request_credential_channel for this exact channel.
- `sender_npub` (string): Required. The npub that sent the credentials.
- `service` (string): Required. The credential service name (must match the service used in request_credential_channel).

### `schwab_forget_credentials` (~196 tokens)

Delete vaulted credentials for a specific service and npub.

For operator credentials, pass the operator's own npub. For patron
credentials, pass the patron's npub. Always requires proof of
npub ownership — a deletion is as destructive as a write.

Input parameters:

- `dpop_token` (string, required): Raw JSON of a kind-27235 Nostr event signed by npub — not base64, not NIP-98 'Authorization: Nostr <b64>' framing. Its `u` tag must hold THIS tool's exact name (from tools/list), not the endpoint URL…
- `npub` (string, required): The Nostr public key (npub1...) whose credentials to forget.
- `service` (string, required): The credential service to forget.

### `schwab_update_patron_credential` (~218 tokens)

Add or update a single patron credential field.

Merges into existing stored credentials without affecting
other fields. Useful for setting an account identifier
after OAuth, changing a default brain, etc. Free. Proof of
npub ownership is required — this is a write to the patron's
sensitive credential vault.

Input parameters:

- `dpop_token` (string, required): Raw JSON of a kind-27235 Nostr event signed by npub — not base64, not NIP-98 'Authorization: Nostr <b64>' framing. Its `u` tag must hold THIS tool's exact name (from tools/list), not the endpoint URL…
- `field` (string, required): The credential field name to set.
- `npub` (string, required): The patron's Nostr public key (npub1...).
- `value` (string, required): The value to store.

### `schwab_delete_patron_credential` (~185 tokens)

Remove a single patron credential field.

Deletes one field from stored credentials without affecting
other fields. Free. Proof of npub ownership is required —
this is a write to the patron's sensitive credential vault.

Input parameters:

- `dpop_token` (string, required): Raw JSON of a kind-27235 Nostr event signed by npub — not base64, not NIP-98 'Authorization: Nostr <b64>' framing. Its `u` tag must hold THIS tool's exact name (from tools/list), not the endpoint URL…
- `field` (string, required): The credential field name to remove.
- `npub` (string, required): The patron's Nostr public key (npub1...).

### `schwab_get_patron_credential_fields` (~234 tokens)

List stored patron credential field names (not values).

Returns the names of fields stored for a patron, plus each
field's ``delivered_at`` ISO-8601 timestamp when known (null
for secrets vaulted before timestamps were recorded). Values
are never exposed — use this to verify which fields are
configured and how old each one is. Free. Proof of npub
ownership is required: the list of configured fields is itself
sensitive (reveals which integrations a patron has set up).

Input parameters:

- `dpop_token` (string, required): Raw JSON of a kind-27235 Nostr event signed by npub — not base64, not NIP-98 'Authorization: Nostr <b64>' framing. Its `u` tag must hold THIS tool's exact name (from tools/list), not the endpoint URL…
- `npub` (string, required): The patron's Nostr public key (npub1...).

### `schwab_begin_oauth` (~258 tokens)

Start the OAuth2 authorization flow.

Returns an authorization URL. Open it in a browser to log in
and authorize. Then call ``check_oauth_status`` with the
same npub to complete. Free. Proof of npub ownership is
required so an observer cannot DOS your account by
initiating OAuth flows in your name.

Do NOT call this pre-emptively. If a session may still be valid,
attempt the live tool call first and only begin OAuth when it
fails with ``upstream_auth_refresh_needed``. A 'pending'
\``check_oauth_status`` is not evidence that an existing session
has lapsed.

Input parameters:

- `dpop_token` (string, required): Raw JSON of a kind-27235 Nostr event signed by npub — not base64, not NIP-98 'Authorization: Nostr <b64>' framing. Its `u` tag must hold THIS tool's exact name (from tools/list), not the endpoint URL…
- `npub` (string, required): Your DPYC patron npub (npub1...).

### `schwab_check_oauth_status` (~250 tokens)

Check whether the OAuth2 authorization flow has completed.

Call after opening the authorization URL from ``begin_oauth``
and completing the login in your browser. Free. Proof of npub
ownership is required: OAuth status exposes which upstream
services a patron has connected.

A 'pending' result here does NOT prove an existing session has
lapsed — it only reports this authorization attempt. To find out
whether a session still works, attempt the live call; fall back
to ``begin_oauth`` only on an explicit
\``upstream_auth_refresh_needed`` error.

Input parameters:

- `dpop_token` (string, required): Raw JSON of a kind-27235 Nostr event signed by npub — not base64, not NIP-98 'Authorization: Nostr <b64>' framing. Its `u` tag must hold THIS tool's exact name (from tools/list), not the endpoint URL…
- `npub` (string, required): The same Nostr public key (npub1...) used in begin_oauth.

### `schwab_request_npub_proof` (~488 tokens)

Request npub ownership proof from a patron via Nostr DM.

This is the npub-OWNERSHIP-PROOF flow — use it when a call returns
\``proof_required``. It proves the caller controls an npub; it does
NOT deliver any service secret. To hand an operator its API keys or
OAuth secrets, use ``request_credential_channel`` instead.

Sends a challenge DM that the patron must sign and reply to
using their Nostr client. **This is a human-in-the-loop flow.**

After calling this tool, STOP and tell the user to check their
Nostr client and reply to the challenge. Wait for the user to
confirm they have replied before calling ``receive_npub_proof``.
Do NOT poll or retry — each ``receive_npub_proof`` call
destructively drains the relay mailbox.

\**Returns** a ``dpop_token`` — the demonstrated-proof-of-possession
token that the calling application MUST remember and pass as the
\``dpop_token`` parameter on every subsequent paid tool call. The MCP
does not retain this value across restarts.

\**Lifecycle:** The cached proof expires after the patron's
chosen duration. When it expires, call ``request_npub_proof``
again for a fresh challenge, then wait for the user, then
call ``receive_npub_proof``.

Free.

Input parameters:

- `patron_npub` (string): Required. The patron's npub to request proof from.
- `reason` (string): Optional. A human-readable purpose for the request ("I'm working on your request XYZ and need the Operator to do ABC for you"). Signed into the provenance attestation and shown in the DM, so the reci…
- `verify_at` (string): Optional. A free-form statement of WHERE you (the initiating agent) already showed this proof's one-time code to the user — a URL, or "your Claude.ai conversation", "the Grok session". The OAuth 2.0…

### `schwab_receive_npub_proof` (~310 tokens)

Receive npub ownership confirmation from a patron.

Completes the npub-OWNERSHIP-PROOF flow (the credential-delivery
counterpart is ``receive_credentials``).

\**Call this only after the user confirms they have replied.**
Deterministic, one-shot retrieval: name the response with
\``(patron_npub, dpop_token)`` — the ``dpop_token`` being the value
returned by ``request_npub_proof``. The tool drains ONLY the pinned
rendezvous relay that challenge was published on, stopping at the DM
whose phrase matches. Mismatched DMs are deleted and NACK'd (without
revealing the expected phrase). If called before the user replies,
their message will never be found. Do NOT poll, loop, or retry.

The signed DM itself proves npub ownership (the patron's nsec
signed it). On success, returns the ``dpop_token`` — the same
token. The calling application MUST remember it and pass it as the
\``dpop_token`` parameter on every subsequent paid tool call. The
proof (a hash of the token) is stored in the vault keyed by that
hash — the MCP never stores the raw token itself. Free.

Input parameters:

- `dpop_token` (string): Required. The dpop_token returned by request_npub_proof.
- `patron_npub` (string): Required. The patron's npub to receive proof from.

### `schwab_check_proof_status` (~138 tokens)

Check whether a previously-cached dpop_token is still valid.

Mirrors ``check_oauth_status`` for the npub-proof flow: a calling
agent can ask "will my next paid call accept this dpop_token?"
before burning credits on a guaranteed failure.

Free, no side effects — does not evict the cache or touch relays.

Input parameters:

- `dpop_token` (string): Required. The dpop_token phrase returned by ``request_npub_proof`` / ``receive_npub_proof``.
- `patron_npub` (string): Required. The patron's npub (npub1...).

### `schwab_oracle_how_to_join` (~25 tokens)

Get DPYC onboarding instructions from the Oracle. Free.

### `schwab_oracle_get_tax_rate` (~24 tokens)

Get the current DPYC certification tax rate. Free.

### `schwab_oracle_lookup_member` (~33 tokens)

Look up a DPYC community member by npub. Free.

Input parameters:

- `npub` (string, required)

### `schwab_oracle_about` (~22 tokens)

Describe the DPYC ecosystem via the Oracle. Free.

### `schwab_oracle_network_advisory` (~25 tokens)

Get active network advisories from the Oracle. Free.

### `schwab_check_authority_balance` (~73 tokens)

Check this operator's tax balance at the Authority.

Returns the sats available for certifying patron credit purchases.
When this balance reaches zero, patron top-ups cannot be certified
and the operator must call purchase_credits on the Authority.

This is the operator's own funding — not a patron balance. Free.

### `schwab_get_pricing_model` (~51 tokens)

Get the active pricing model for this operator. Free.

If no model exists, self-initializes a scaffold with all
registered tools at 0 sats.  No economic data from code.

### `schwab_set_pricing_model` (~68 tokens)

Set the active pricing model. RESTRICTED to operator.

Requires a valid proof (Schnorr-signed kind-27235 event)
proving the caller holds the operator's nsec.

Input parameters:

- `dpop_token` (string)
- `model_json` (string, required)

### `schwab_reset_pricing_model` (~81 tokens)

Erase all pricing models and restore a viable default.

Deletes every stored model, then self-initializes a fresh one
from the tool registry — all tools at 0 sats with proper UUIDs.
Returns the new model.

RESTRICTED to operator — requires proof (nsec-signed).

Input parameters:

- `dpop_token` (string)

### `schwab_request_adoption` (~193 tokens)

Ask a chosen Authority to adopt this operator (deferred courtship).

RESTRICTED to the operator — requires proof the caller controls this
operator's npub. Resolves the Authority's MCP endpoint from the
community registry, mints an inline ownership proof with this
operator's nsec, and delivers the request MCP-to-MCP. The Authority
records it as pending; its owner approves on their own time. Poll
\``adoption_status`` for progress; the operator flips to ``ready``
once the Authority provisions it.

Input parameters:

- `authority_npub` (string, required): npub of the Authority to request adoption from.
- `dpop_token` (string): operator-npub ownership proof (inline kind-27235 or cached token).
- `note` (string): optional message for the Authority owner.
- `service_url` (string): this operator's MCP endpoint (advertised to the Authority).

### `schwab_adoption_status` (~70 tokens)

Check this operator's adoption-request status at a chosen Authority.

Free. Polls the Authority MCP-to-MCP for the status of this operator's
request (pending / approved / rejected / provisioned).

Input parameters:

- `authority_npub` (string, required)
- `dpop_token` (string)

### `schwab_restore_neon_schema` (~148 tokens)

Re-run ``ensure_schema()`` on every NeonVault this operator uses.

Diagnostic / recovery tool for the case where the Neon HTTP SQL API
is returning persistent 4xx errors and the operator suspects the
schema isn't there or grants are wrong. Idempotent — uses
\``CREATE TABLE IF NOT EXISTS`` so a successful re-run is harmless.

Returns the per-step result. If any step raises, surfaces the Neon
error message inline (0.31.0 reads the SQL error body that earlier
wheels swallowed behind ``raise_for_status``).

RESTRICTED to operator — requires proof (nsec-signed).

Input parameters:

- `dpop_token` (string)

### `schwab_list_canonical_identities` (~125 tokens)

Return canonical (tool_id, mcp_name, …) for every registered tool.

The authoritative source for any client (Studio, agents, FE)
that needs to know how this MCP identifies its tools.
Reconcile uses this output to UUID-join against the stored
pricing model — no name-based UUID derivation, no guessing.

If the operator renames a function or rebrands a slug, the
mcp_name in this output changes but tool_id stays. That's the
whole point of the canonical-UUID design.

Free, no side effects.

### `schwab_get_nostr_profile` (~88 tokens)

Read an npub's public Nostr profile (NIP-01 kind-0 metadata).

Free, no proof — the data is already public on relays. Returns the
latest metadata fields (name, display_name, about, picture, banner,
nip05, website, lud16) or an empty profile if none is published.

Input parameters:

- `npub` (string)

### `schwab_publish_nostr_profile` (~150 tokens)

Publish a CLIENT-SIGNED kind-0 profile to relays for an npub.

The wheel never holds a patron nsec. The frontend signs the kind-0
metadata event with the patron's session key or a NIP-07 extension and
passes the signed event (JSON) here; the wheel verifies the signature
matches the npub, then relays it to public relays. The signature is the
authorization — no proof token, no key custody. Free.

Input parameters:

- `npub` (string): The patron's Nostr public key the event must be signed by.
- `signed_event` (string): A JSON-encoded, client-signed kind-0 event.

### `schwab_check_price` (~180 tokens)

Preview the effective cost of a tool call.

Shows the base cost and any constraint effects (discounts, free
trials, surge pricing). Free — no credits required.

Input parameters:

- `dpop_token` (string)
- `npub` (string)
- `tool_id` (string, required): Either the tool's UUID (from the pricing model) or a bare capability string (e.g. ``"deal_scenario"``). FE callers usually have the capability name; this resolves both so the FE doesn't need to deriv…
- `tool_kwargs` (string): Optional JSON object with tool call parameters for ad valorem / categorical-multiplier pricing preview (e.g. '{"amount_sats": 5000}' or '{"difficulty": "sovereign", "mode": "live"}').

### `schwab_list_constraint_types` (~51 tokens)

List all available constraint types and their parameter schemas.

Returns the type, category, description, and parameter specs for
every constraint that can be used in a pricing pipeline.
Free — no credits required.

### `schwab_mint_coupon` (~152 tokens)

Create a new operator-owned discount coupon.

Input parameters:

- `discount_percent` (number, required): Percentage off the base price (0-100).
- `dpop_token` (string)
- `name` (string, required): The catchy code patrons type to redeem (operator-scoped uniqueness).
- `total_uses`: Aggregate cap across all patrons (default None = unlimited).
- `uses_per_patron`: How many tool calls one patron can claim the discount on (default 1; pass null/None for unlimited within the window).
- `valid_from` (string, required): ISO-8601 datetime when the coupon becomes active.
- `valid_until` (string, required): ISO-8601 datetime when the coupon expires.

### `schwab_list_coupons` (~71 tokens)

List every coupon this operator has minted (newest first).

Each row carries the current ``times_redeemed`` counter — the
Studio renders a progress bar from this against ``total_uses``.
RESTRICTED to operator — requires proof.

Input parameters:

- `dpop_token` (string)

### `schwab_update_coupon` (~167 tokens)

Patch a coupon's editable fields.

Pass only the fields you want to change.  To set a cap to
unlimited (NULL in the schema), pass ``clear_uses_per_patron=true``
or ``clear_total_uses=true``.  Renaming the code is allowed —
existing patron redemption rows survive (they key on coupon id).

RESTRICTED to operator — requires proof.

Input parameters:

- `clear_total_uses` (boolean)
- `clear_uses_per_patron` (boolean)
- `coupon_id` (string, required)
- `discount_percent`
- `dpop_token` (string)
- `name`
- `total_uses`
- `uses_per_patron`
- `valid_from`
- `valid_until`

### `schwab_delete_coupon` (~82 tokens)

Delete a coupon.  Cascades to all patron redemptions.

Any chain step referencing the deleted coupon_id becomes a
no-op (the constraint returns neutral on unknown ids) — the
Studio surfaces orphan references as warnings.

RESTRICTED to operator — requires proof.

Input parameters:

- `coupon_id` (string, required)
- `dpop_token` (string)

### `schwab_redeem_coupon` (~134 tokens)

Claim a coupon by its name (the code the operator shared).

Looks up the operator's coupon by ``code``, validates the window
and total cap, and records a per-patron redemption row.
Subsequent paid tool calls on this MCP auto-apply the discount
until ``uses_per_patron`` is exhausted.

Free — no credits required.  Requires proof of ``npub``.
Idempotent: redeeming the same code twice returns the existing
redemption.

Input parameters:

- `code` (string, required)
- `dpop_token` (string)
- `npub` (string, required)

### `schwab_list_my_coupons` (~89 tokens)

List the coupons this patron has redeemed on this operator.

Returns both active and exhausted redemptions with a per-row
\``status`` (``active`` / ``window_closed`` / ``patron_limit`` /
\``total_limit``).  Free — requires proof of ``npub``.

Input parameters:

- `dpop_token` (string)
- `npub` (string, required)

### `schwab_forget_coupon` (~88 tokens)

Remove a coupon from this patron's redemption list.

Cosmetic only — the coupon itself still exists at the operator,
and the patron can re-redeem the same code later while the
window allows.  Free — requires proof of ``npub``.

Input parameters:

- `coupon_id` (string, required)
- `dpop_token` (string)
- `npub` (string, required)

### `schwab_notarize_ledger` (~54 tokens)

Build a Merkle tree of all patron balances and submit the root
to Bitcoin via OpenTimestamps.

Operator-only background task. Bitcoin confirmation takes 1-6 hours.
Free — no credits required.

### `schwab_get_notarization_proof` (~70 tokens)

Generate a Merkle inclusion proof that a patron's balance was
included in a Bitcoin-notarized snapshot.

Input parameters:

- `notarization_id` (string, required): The notarization record ID.
- `npub` (string, required): The patron's Nostr public key (npub1...).

### `schwab_list_notarizations` (~52 tokens)

List recent Bitcoin notarization records.

Input parameters:

- `limit` (integer): Maximum records to return (default 20).
- `status` (string): Optional filter (e.g., 'submitted', 'confirmed').

### `schwab_get_account_numbers` (~199 tokens)

List Schwab account numbers and their hash identifiers.

Call after completing OAuth. Returns accounts with hash values
needed for brokerage data tools. Then call
\``update_patron_credential(field="account_hash", value=<hash>)``
to set your preferred account.

Free (no api_sats deducted) but **proof-gated**: the caller must
prove Schnorr-control of ``npub`` via ``request_npub_proof`` +
\``receive_npub_proof`` first, then pass the resulting token here.
Without the proof check, an attacker who knew a patron's public
npub could fetch that patron's Schwab account hashes (IDOR).

Input parameters:

- `dpop_token` (string): Schnorr proof token issued by request/receive_npub_proof for capability ``get_account_numbers``.
- `npub` (string): Required. Your Nostr public key (npub1...) for credit billing.

Output parameters:

- `result`

### `schwab_get_brokerage_positions` (~360 tokens)

Get current positions in the active Schwab account, with automatic
vertical-spread detection.

Pulls Schwab's account endpoint with fields="positions" and emits up to
three markdown sections, omitting any that are empty:

  \## Spreads — vertical spreads detected from paired option legs:
    - <underlying> <spread_type> (<short_strike>/<long_strike> P|C exp <date>,
      DTE <n>) | Credit: $X | Max Loss: $Y | Current: $Z | P&L: $W

  \## Options (unmatched) — single legs not paired into a spread:
    - <underlying> <strike> P|C exp <date> (DTE <n>) | Qty: ±N | Avg: $X |
      MktVal: $Y | P&L: $Z

  \## Equities — long/short share positions:
    - <symbol> | Qty: ±N | Avg: $X | Price: $Y | P&L: $Z

Quantities are computed as (longQuantity − shortQuantity) — short positions
show as negative numbers in Qty.

Spread detection is heuristic: legs of the same underlying with matching
expiration and put/call type, opposite long/short direction, and adjacent
strikes get paired. Anything that doesn't fit cleanly drops into Options
(unmatched). The tool does not currently detect iron condors, butterflies,
or calendars — those will appear as multiple Options (unmatched) rows.

Input parameters:

- `dpop_token` (string)
- `npub` (string): Required. Your Nostr public key (npub1...) for credit billing.

Output parameters:

- `result`

### `schwab_get_brokerage_balances` (~417 tokens)

Get the active Schwab account's current balance summary.

Pulls Schwab's account endpoint and returns four bold lines:

  \**Cash Balance:** currentBalances.cashBalance
  \**Buying Power:** currentBalances.buyingPower
  \**Net Liquidation:** currentBalances.liquidationValue
  \**Day P&L:** currentBalances.liquidationValue − initialBalances.liquidationValue

Day P&L is the session change in mark-to-market equity (the canonical
measure of "how much did I make/lose today"). Schwab's account
response does not expose a single "dayProfitLoss" field — the
convention is to compute the delta against the start-of-day snapshot.

Two fallback guards apply to Day P&L:
  1\. Missing snapshot — if either initialBalances or currentBalances
     is absent or has a zero liquidationValue, Day P&L reports 0.0
     rather than treating zero as the baseline (which would print
     today's full equity as P&L).
  2\. Suspect snapshot — if the computed Day P&L is larger in
     absolute value than half of current liquidation value (e.g.
     $17,442 P&L on an $8,847 account), the initialBalances snapshot
     is treated as stale or partial and Day P&L reports 0.0. A
     legitimate 50%+ session change is implausible for any normal
     account; the tool underreports in the rare real-50% case rather
     than emitting nonsense in the more common stale-snapshot case.

When Day P&L reads $0.00 on a session where you expect a real number,
one of those two guards fired. Cross-check against position-level P&L
via get_brokerage_positions.

Input parameters:

- `dpop_token` (string)
- `npub` (string): Required. Your Nostr public key (npub1...) for credit billing.

Output parameters:

- `result`

### `schwab_get_stock_quote` (~103 tokens)

Get real-time quotes for one or more symbols.

Input parameters:

- `dpop_token` (string)
- `npub` (string): Required. Your Nostr public key (npub1...) for credit billing.
- `symbols` (string, required): Comma-separated ticker symbols (e.g. "AAPL,MSFT,$SPX"). Each symbol is uppercased before lookup; whitespace around commas is tolerated. Symbols Schwab cannot resolve are silently omitted.

Output parameters:

- `result`

### `schwab_get_option_chain` (~174 tokens)

Get a filtered option chain suitable for spread evaluation.

Returns a markdown table of surviving contracts with one row per leg.
Header line carries the underlying price and the active filter constants.

Input parameters:

- `contract_type` (string): "ALL", "CALL", or "PUT".
- `days_to_expiration` (integer): Maximum days to expiration to include (default 21).
- `dpop_token` (string)
- `npub` (string): Required. Your Nostr public key (npub1...) for credit billing.
- `strike_count` (integer): Approximate total strikes returned, centered on ATM (default 20).
- `symbol` (string, required): Underlying ticker (equity or ETF). For index options use the $-prefix form: $SPX, $NDX, $RUT.

Output parameters:

- `result`

### `schwab_get_price_history` (~194 tokens)

Get historical OHLCV candle data for a symbol.

Returns a markdown table of the most recent candles within the requested
period, capped at the last 30 rows for readability. A footnote line is
added when truncation occurs so the agent knows more data was available.

Input parameters:

- `dpop_token` (string)
- `frequency` (integer): Frequency interval (only meaningful for "minute" candles).
- `frequency_type` (string): "minute", "daily", "weekly", or "monthly".
- `npub` (string): Required. Your Nostr public key (npub1...) for credit billing.
- `period` (integer): Number of periods (see valid combinations above).
- `period_type` (string): "day", "month", "year", or "ytd".
- `symbol` (string, required): Ticker symbol (equity, ETF, or $-prefixed index).

Output parameters:

- `result`

### `schwab_get_market_movers` (~214 tokens)

Get top movers for a market index — Schwab's curated mover screener.

Returns up to 20 rows (capped server-side here, not by Schwab) in a
markdown table.

Input parameters:

- `dpop_token` (string)
- `frequency` (integer): Movement-magnitude band filter. 0 = all bands, 1 = 1–5%, 2 = 5–10%, 3 = 10–20%, 4 = 20%+.
- `index` (string): Index symbol. Schwab's movers endpoint supports only "$SPX", "$DJI", and "$COMPX". Other indices ($VIX, $NDX, $RUT, sector ETFs) are not supported and will return an empty list.
- `npub` (string): Required. Your Nostr public key (npub1...) for credit billing.
- `sort` (string): "PERCENT_CHANGE_UP", "PERCENT_CHANGE_DOWN", or "VOLUME".

Output parameters:

- `result`

### `schwab_get_market_hours` (~269 tokens)

Get trading hours for one or more market types.

Returns nested markdown — one block per market product Schwab knows
about within the requested categories:

  \**<Product Name>** — OPEN | CLOSED
    Pre Market:  YYYY-MM-DDTHH:MM — YYYY-MM-DDTHH:MM
    Regular Market: YYYY-MM-DDTHH:MM — YYYY-MM-DDTHH:MM
    Post Market: YYYY-MM-DDTHH:MM — YYYY-MM-DDTHH:MM

Sessions are emitted only when Schwab reports hours for them — a closed
market on a weekend or holiday will have no session lines under it.

Input parameters:

- `date` (string): ISO date to check (e.g. "2026-03-15"). Defaults to today when empty. The response is for a single trading day — pass each date explicitly if you need a multi-day forecast.
- `dpop_token` (string)
- `markets` (string): Comma-separated market types. Schwab supports "equity", "option", "bond", "future", "forex". Unknown types are silently dropped by Schwab.
- `npub` (string): Required. Your Nostr public key (npub1...) for credit billing.

Output parameters:

- `result`

### `schwab_search_instruments` (~401 tokens)

Search Schwab's instrument catalog by symbol, name, or CUSIP.

Returns up to 25 results in a markdown list (capped server-side here;
Schwab itself may return more). A truncation footnote appears when the
full result set exceeded 25.

Each row carries: symbol, asset type, description, optional exchange,
optional CUSIP, and — when projection="fundamental" — P/E, dividend
yield, and market cap in $B or $M.

  \- **<SYM>** (<ASSET_TYPE>) — <description> [<EXCHANGE>] CUSIP:<CUSIP>
    | P/E:N.N | Yield:N.NN% | MktCap:$XB

Projection options (Schwab's API enum — determines how the search term
is interpreted, not just what fields come back):
  \- symbol-search:  exact match on symbol (default; cheapest call).
  \- symbol-regex:   regex match against symbols. The pattern is regex,
                    not a glob — "AAP.*" matches AAPL, AAP, etc.
  \- desc-search:    full-text match against the instrument description
                    ("Apple", "semiconductor").
  \- desc-regex:     regex against descriptions.
  \- fundamental:    fetch fundamentals (P/E, yield, market cap) for a
                    specific symbol. Use this when you already know the
                    ticker and want the numbers, not a search.

Input parameters:

- `dpop_token` (string)
- `npub` (string): Required. Your Nostr public key (npub1...) for credit billing.
- `projection` (string): "symbol-search", "symbol-regex", "desc-search", "desc-regex", or "fundamental".
- `symbol` (string, required): Search term — ticker, regex, partial name, or CUSIP. The interpretation depends on `projection`.

Output parameters:

- `result`

### `schwab_get_brokerage_orders` (~426 tokens)

Get order history for the active Schwab account.

Returns one markdown row per order:

  \- **<orderId>** [<status>] <orderType> | <leg1> / <leg2> / ... |
    Price: $X @ $avg_fill | Filled: <qty> | <enteredTime>

Each leg formats as "<instruction> <quantity>x <symbol>" (e.g.
"BUY 1x AAPL", "SELL_TO_OPEN 5x AAPL  240315C00185000"). The avg_fill
suffix is the average across all executionLegs.price values for the
order; omitted if the order has no fills yet.

Date-window default — when from_date and to_date are both blank, the
tool defaults to the last 30 days (in UTC). Pass either parameter to
override; if you pass one, pass both.

Schwab's order status enum (values you can pass to status_filter):
  AWAITING_PARENT_ORDER, AWAITING_CONDITION, AWAITING_STOP_CONDITION,
  AWAITING_MANUAL_REVIEW, ACCEPTED, AWAITING_UR_OUT, PENDING_ACTIVATION,
  QUEUED, WORKING, REJECTED, PENDING_CANCEL, CANCELED, PENDING_REPLACE,
  REPLACED, FILLED, EXPIRED, NEW.

Input parameters:

- `dpop_token` (string)
- `from_date` (string): Start of window, ISO 8601 (e.g. "2026-04-01T00:00:00.000Z"). Empty string defaults to 30 days ago.
- `npub` (string): Required. Your Nostr public key (npub1...) for credit billing.
- `status_filter` (string): Optional single Schwab status value (e.g. "FILLED", "CANCELED", "WORKING"). Empty string = all statuses.
- `to_date` (string): End of window, ISO 8601. Empty string defaults to now.

Output parameters:

- `result`

### `schwab_get_brokerage_order` (~188 tokens)

Get full details for a single order by Schwab order ID.

Returns the same one-line markdown format as get_brokerage_orders, with
the average fill price computed across all executionLegs:

  \- **<orderId>** [<status>] <orderType> | <legs> | Price: $X @ $avg_fill |
    Filled: <qty> | <enteredTime>

Use this when you already have an orderId (e.g., from
get_brokerage_orders or from a fill notification) and want a single
crisp row rather than the full history list.

Input parameters:

- `dpop_token` (string)
- `npub` (string): Required. Your Nostr public key (npub1...) for credit billing.
- `order_id` (string, required): The Schwab order ID as returned by get_brokerage_orders.

Output parameters:

- `result`

### `schwab_get_brokerage_transactions` (~379 tokens)

Get transaction history for the active Schwab account.

Returns one markdown row per transaction:

  \- **<activityId>** [<type>] <tradeDate> | <qty>x <symbol> | <qty>x <symbol> ... |
    Net: $<amount>

Symbols come from the transaction's transferItems collection (one item
per leg, e.g. equity bought + cash debit), with the per-leg amount as
quantity. When no transferItems have symbols, the row falls back to the
transaction's description text in place of the symbol list.

Date-window default — when from_date and to_date are both blank, the
tool defaults to the last 30 days (in UTC). Pass both or neither.

Schwab's transaction type enum (values you can pass to transaction_types):
  TRADE, RECEIVE_AND_DELIVER, DIVIDEND_OR_INTEREST, ACH_RECEIPT,
  ACH_DISBURSEMENT, CASH_RECEIPT, CASH_DISBURSEMENT, ELECTRONIC_FUND,
  WIRE_OUT, WIRE_IN, JOURNAL, MEMORANDUM, MARGIN_CALL, MONEY_MARKET,
  SMA_ADJUSTMENT. Empty string = all types.

Input parameters:

- `dpop_token` (string)
- `from_date` (string): Start of window, ISO 8601 (e.g. "2026-04-01T00:00:00.000Z"). Empty string defaults to 30 days ago.
- `npub` (string): Required. Your Nostr public key (npub1...) for credit billing.
- `to_date` (string): End of window, ISO 8601. Empty string defaults to now.
- `transaction_types` (string): Comma-separated Schwab transaction-type values. Empty string = all types.

Output parameters:

- `result`

### `schwab_get_brokerage_transaction` (~171 tokens)

Get full details for a single transaction by Schwab transaction ID.

Returns the same one-line markdown format as get_brokerage_transactions:

  \- **<activityId>** [<type>] <tradeDate> | <symbols/qtys> | Net: $<amount>

Use this when you have a specific transactionId (from
get_brokerage_transactions, a journal entry, or a confirmation) and want
the canonical row rather than scanning a history window.

Input parameters:

- `dpop_token` (string)
- `npub` (string): Required. Your Nostr public key (npub1...) for credit billing.
- `transaction_id` (string, required): The Schwab transaction ID as returned by get_brokerage_transactions (usually surfaced as `activityId`).

Output parameters:

- `result`

## Diagnostics

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

## Score history

- 2026-08-03: 58
- 2026-08-02: 57
- 2026-08-01: 57
- 2026-07-31: 57
- 2026-07-30: 54
- 2026-07-29: 53
- 2026-07-28: 53
- 2026-07-27: 52
- 2026-07-26: 51

## Links

- Remote endpoint: https://schwab-mcp.fastmcp.app/mcp
- Repository: https://github.com/lonniev/schwab-mcp
- Changelog RSS feed: https://verifymcp.io/servers/lonniev-schwab-mcp/schwab-mcp/changelog.xml
- Changelog JSON feed: https://verifymcp.io/servers/lonniev-schwab-mcp/schwab-mcp/changelog.json
- HTML version of this page: https://verifymcp.io/servers/lonniev-schwab-mcp/schwab-mcp