Zovo Bank Reconciliation
REMOTE · BANK-RECONCILIATION.ZOVO.ONE
Reconcile a bank account against your books and see which items do not match.
Available components
Last scanned (1 hour ago)
Scores higher than 64% of remote servers
Reachable. Last reached 23 Oct 2026.
Category Finance and Payments
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 Security80
- The endpoint's TLS certificate is valid, in date, and uses a strong key. View diagnostics → Pass
- No authorisation is required to call this server. Every tool declares its destructiveHint and none is destructive, so open access doesn't expose one. See how to fix → View diagnostics → Partial
- HTTPS is enforced; there's no plaintext access path. View diagnostics → Pass
- The HSTS (Strict-Transport-Security) header is present. View diagnostics → Pass
- DNSSEC check failed: this domain isn't protected by DNSSEC. See how to fix → View diagnostics → Fail
Transport & Reachability100
- Verified streamable-http transport via a live MCP handshake. View diagnostics → Pass
Schema Quality & AI Usability68
- 100% of prompts and resources have a non-trivial description (not blank, and not just the item's name).Pass
- AI-judged instruction clarity (good).Pass
- Context-footprint check failed: tool/resource definitions use about 1503 tokens (~501/item across 3 items; 2 tools + 1 resources), over budget; trim descriptions and params. See how to fix → Fail
- Usage-examples check failed: none of the tools include examples. See how to fix → Fail
Stability & Change Management3
- Stability observed for 1 of 30 days with no destabilising changes; credit accrues until the full window elapses.Partial
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
- Structured output schemas are declared (100% of tools); any adoption earns full credit.Pass
Tool Safety100
- No prompt-injection markers were found in the server instructions, tool names or descriptions we captured.Pass
- We read all 2 captured tool definition(s), and no name or description among them implies an irreversible operation.Pass
- An AI judge read all 4 captured unit(s) of tool text and found none that tries to manipulate the model reading it.Pass
Capabilities100
- Implements a supported MCP spec version (2025-11-25); the latest is 2026-07-28.Pass
- Supports UI / widget rendering.Pass
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.
- 23 Oct 26 +1
- Stability: unverified → 0.03 ▲ functional
- 22 Oct 26 72
First indexed and scored.
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 23 Oct 2026 · Probed https://bank-reconciliation.zovo.one/mcp
TLS valid
Negotiated TLS 1.3 with TLS_AES_128_GCM_SHA256 .
| Subject | Issuer | Valid from | Valid until | Key | Signature | Serial |
|---|---|---|---|---|---|---|
| CN=zovo.one | CN=WE1,O=Google Trust Services,C=US | 3 Oct 2026 | 1 Jan 2027 | ECDSA 256 | ECDSA-SHA256 | 91cf40b1e7c3fe2138c5e876790dcbd |
| SANs: zovo.one, bank-reconciliation.zovo.one, *.bank-reconciliation.zovo.one | ||||||
| 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 bank-reconciliation.zovo.one. — Not signed
| Zone | DS | Keys | Algorithms | Outcome |
|---|---|---|---|---|
| . | trust_anchor | 20326, 38696 | 8, 8 | Verified |
| one. | present | 64939 | 8 | Verified |
| zovo.one. | absent | Unsigned (proven) parent-signed NSEC/NSEC3 proves an unsigned delegation |
Authentication No authorisation required
The endpoint answered without asking for a token. Anyone who knows the URL can reach it.
| Result | No authorisation required |
|---|---|
| HTTP status | 200 |
| Header | Value |
|---|---|
| strict-transport-security | max-age=15552000; includeSubDomains; preload |
| x-content-type-options | nosniff |
Background: How OAuth 2.1 works in the 2026 MCP spec →
Transports 2 probes
| Transport | URL | Outcome | Status | Location |
|---|---|---|---|---|
| streamable-http | https://bank-reconciliation.zovo.one/mcp | Verified | 200 | |
| http (plaintext) | http://bank-reconciliation.zovo.one/mcp | HTTPS enforced | 301 | https://bank-reconciliation.zovo.one/mcp |
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 →
explain_reconciliation_difference Explain reconciliation difference ~678
Use this when the user attaches the bank file and the books file, gives the bank statement ending balance and the book balance, and asks why the bank reconciliation does not balance: "why is my bank reconciliation off", "reconciliation difference", "find the difference between bank and books". Runs the same matching, computes adjusted bank vs adjusted book balance, and finds the smallest set of listed items (up to 4) whose amounts account for the difference, plus checks for a reversed sign, a transposition (difference divisible by 9) and a row with that same amount. Returns the same Excel and PDF downloads. Does not change any file and cannot find items that are missing from both files. Supports up to 20,000 rows per file; CSV and text tables have a 2,000,000-cell limit (including empty cells). Each call saves new Excel and PDF files on the plugin server for 1 hour (private download links), then deletes them.
| Name | Type | Req | Description |
|---|---|---|---|
| bank_columns | object | – | Optional column names for the bank file when auto-detection picks the wrong column, e.g. {"date":"Post Date","amount":"Amount"}. |
| bank_ending_balance | number | yes | Ending balance on the bank statement at period end, in dollars, e.g. 48210.55. |
| bank_file | object | yes | The bank side: the bank's CSV or Excel (.xlsx) transaction export, or a text PDF bank statement, e.g. bank-september.csv. |
| book_ending_balance | number | yes | Cash account balance in the books at period end, in dollars, e.g. 51022.10. |
| books_columns | object | – | Optional column names for the books file, e.g. {"date":"Date","debit":"Debit","credit":"Credit","check_no":"Num"}. |
| books_file | object | yes | The book side: the cash/bank account register or general ledger export from accounting software or a spreadsheet (CSV or .xlsx), e.g. books-september.xlsx. |
| books_sign | string | – | Sign of the books file amounts: auto (default) flips only when the amounts clearly match the bank with the opposite sign; as_written keeps them; flip reverses them. Example: auto. |
| check_clear_days | integer | – | Days a check may take to clear and still match by amount, e.g. 60 (default). Matches by check number allow the same span. |
| date_order | string | – | Order of numeric dates in both files: MDY (US, 09/02/2026) or DMY (02/09/2026). Detected per file when a day is above 12; US is assumed otherwise. |
| date_window_days | integer | – | Days a bank posting may differ from the book date and still match the same amount, e.g. 5 (default). |
| max_group_size | integer | – | Most rows combined when one deposit equals several book entries (or the reverse), e.g. 4 (default). |
| period_end | string | – | Statement / period end date YYYY-MM-DD, e.g. 2026-09-30. Default: the statement end on a PDF, else the month end of the last book entry (capped by the bank file). |
| Name | Type | Req | Description |
|---|---|---|---|
| bank_only_by_class | array | yes | – |
| book_only_by_class | array | yes | – |
| counts | object | yes | – |
| downloads | object | yes | – |
| explanation | – | yes | – |
| files | object | yes | – |
| mode | string | yes | – |
| note | string | yes | – |
| period_end | string | yes | – |
| reconciliation | object | yes | – |
| status | string | yes | PASS only when both ending balances are known and the difference is $0.00; BALANCES_NEEDED = activity explained, balances needed. |
| top_bank_only | array | yes | – |
| top_book_only | array | yes | – |
| warnings | array | yes | – |
No examples provided.
reconcile_bank_to_books Reconcile bank to books ~741
Use this when the user attaches a bank export or statement AND their books (cash account register or general ledger export from accounting software or a spreadsheet) and wants a bank reconciliation: "reconcile my bank statement", "reconcile bank statement against my books", "list what doesn't match", "find outstanding checks and deposits in transit", "match bank transactions to the ledger". Matches rows by check number, amount and date (with a date window), and sums (one deposit = several invoices); lists all unmatched rows on both sides with a classification (outstanding check, deposit in transit, bank fee, interest, NSF, likely duplicate, likely amount typo); builds adjusted bank vs adjusted book balance (PASS only at $0.00); returns an Excel workbook and a PDF reconciliation statement. Does not connect to bank accounts or accounting software, does not post entries, and is not for a single statement without books (use a statement converter for that). Supports up to 20,000 rows per file; CSV and text tables have a 2,000,000-cell limit (including empty cells). Each call saves new Excel and PDF files on the plugin server for 1 hour (private download links), then deletes them.
| Name | Type | Req | Description |
|---|---|---|---|
| bank_columns | object | – | Optional column names for the bank file when auto-detection picks the wrong column, e.g. {"date":"Post Date","amount":"Amount"}. |
| bank_ending_balance | number | – | Ending balance on the bank statement at period end, in dollars, e.g. 48210.55. With book_ending_balance this gives the full adjusted-balance reconciliation. |
| bank_file | object | yes | The bank side: the bank's CSV or Excel (.xlsx) transaction export, or a text PDF bank statement, e.g. bank-september.csv. |
| book_ending_balance | number | – | Cash account balance in the books at period end, in dollars, e.g. 51022.10. |
| books_columns | object | – | Optional column names for the books file, e.g. {"date":"Date","debit":"Debit","credit":"Credit","check_no":"Num"}. |
| books_file | object | yes | The book side: the cash/bank account register or general ledger export from accounting software or a spreadsheet (CSV or .xlsx), e.g. books-september.xlsx. |
| books_sign | string | – | Sign of the books file amounts: auto (default) flips only when the amounts clearly match the bank with the opposite sign; as_written keeps them; flip reverses them. Example: auto. |
| check_clear_days | integer | – | Days a check may take to clear and still match by amount, e.g. 60 (default). Matches by check number allow the same span. |
| date_order | string | – | Order of numeric dates in both files: MDY (US, 09/02/2026) or DMY (02/09/2026). Detected per file when a day is above 12; US is assumed otherwise. |
| date_window_days | integer | – | Days a bank posting may differ from the book date and still match the same amount, e.g. 5 (default). |
| max_group_size | integer | – | Most rows combined when one deposit equals several book entries (or the reverse), e.g. 4 (default). |
| period_end | string | – | Statement / period end date YYYY-MM-DD, e.g. 2026-09-30. Default: the statement end on a PDF, else the month end of the last book entry (capped by the bank file). |
| Name | Type | Req | Description |
|---|---|---|---|
| bank_only_by_class | array | yes | – |
| book_only_by_class | array | yes | – |
| counts | object | yes | – |
| downloads | object | yes | – |
| explanation | – | yes | – |
| files | object | yes | – |
| mode | string | yes | – |
| note | string | yes | – |
| period_end | string | yes | – |
| reconciliation | object | yes | – |
| status | string | yes | PASS only when both ending balances are known and the difference is $0.00; BALANCES_NEEDED = activity explained, balances needed. |
| top_bank_only | array | yes | – |
| top_book_only | array | yes | – |
| warnings | array | yes | – |
No examples provided.
How do I install the Zovo Bank Reconciliation MCP server?
Zovo Bank Reconciliation is a hosted endpoint at https://bank-reconciliation.zovo.one/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 · bank-reconciliation.zovo.one
claude mcp add --transport http theluckystrike-bank-reconciliation 'https://bank-reconciliation.zovo.one/mcp'
What is the Zovo Bank Reconciliation MCP server?
Zovo Bank Reconciliation is an MCP server listed in the public MCP registry as io.github.theluckystrike/bank-reconciliation. Reconcile a bank account against your books and see which items do not match. This page covers its hosted endpoint (https://bank-reconciliation.zovo.one/mcp).
Is the Zovo Bank Reconciliation MCP server safe to use?
Zovo Bank Reconciliation scores 73 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 Zovo Bank Reconciliation MCP server expose?
Zovo Bank Reconciliation exposes 2 tools: reconcile_bank_to_books, explain_reconciliation_difference. Their descriptions and schemas cost roughly 1,419 tokens of context every time the server is loaded.
Does the Zovo Bank Reconciliation MCP server require authentication?
No. We connected to Zovo Bank Reconciliation without credentials and it answered, so anything it exposes is reachable by anyone who knows the address.
Is the Zovo Bank Reconciliation MCP server still maintained?
Zovo Bank Reconciliation is still listed as active in the MCP registry. We last reached this channel on 23 October 2026. Those dates come from our own scans of the registry and the channel itself, not from anything the publisher announced.