server_id = "mcp_banking"
display_name = "Banking"
version = "1.0.2"
domain = "finance"
sdk_version = "0.1.0"
risk_level = "high"
writes_allowed = "gated"
transports = ["stdio"]
credentials = ["vault://plaid-credentials", "vault://mono-secret-key", "vault://open-banking-credentials"]
governance_gates = ["financial-action-policy"]
environments = ["development", "staging", "production"]

# ─── Accounts ─────────────────────────────────────────────────────────────────

[[tools]]
name = "list_accounts"
description = "List linked bank accounts"
risk_class = "read_only"
requires_approval = false
credential_bindings = ["vault://plaid-credentials", "vault://mono-secret-key", "vault://open-banking-credentials"]

[[tools]]
name = "get_account"
description = "Get a bank account by ID with balance"
risk_class = "read_only"
requires_approval = false
credential_bindings = ["vault://plaid-credentials", "vault://mono-secret-key", "vault://open-banking-credentials"]

[[tools]]
name = "get_balances"
description = "Get real-time balances for all linked accounts"
risk_class = "read_only"
requires_approval = false
credential_bindings = ["vault://plaid-credentials", "vault://mono-secret-key", "vault://open-banking-credentials"]

# ─── Transactions ─────────────────────────────────────────────────────────────

[[tools]]
name = "list_transactions"
description = "List transactions for an account with date range"
risk_class = "read_only"
requires_approval = false
credential_bindings = ["vault://plaid-credentials", "vault://mono-secret-key", "vault://open-banking-credentials"]

[[tools]]
name = "get_transaction"
description = "Get a single transaction by ID"
risk_class = "read_only"
requires_approval = false
credential_bindings = ["vault://plaid-credentials", "vault://mono-secret-key", "vault://open-banking-credentials"]

[[tools]]
name = "search_transactions"
description = "Search transactions by description, amount, or category"
risk_class = "read_only"
requires_approval = false
credential_bindings = ["vault://plaid-credentials", "vault://mono-secret-key", "vault://open-banking-credentials"]

[[tools]]
name = "categorize_transaction"
description = "Get or update the category of a transaction"
risk_class = "read_only"
requires_approval = false
credential_bindings = ["vault://plaid-credentials", "vault://mono-secret-key", "vault://open-banking-credentials"]

# ─── Identity ─────────────────────────────────────────────────────────────────

[[tools]]
name = "get_identity"
description = "Get account holder identity (name, address, email)"
risk_class = "read_only"
requires_approval = false
credential_bindings = ["vault://plaid-credentials", "vault://mono-secret-key", "vault://open-banking-credentials"]

# ─── Institutions ─────────────────────────────────────────────────────────────

[[tools]]
name = "list_institutions"
description = "List supported financial institutions"
risk_class = "read_only"
requires_approval = false
credential_bindings = ["vault://plaid-credentials", "vault://mono-secret-key", "vault://open-banking-credentials"]

[[tools]]
name = "get_institution"
description = "Get details about a financial institution"
risk_class = "read_only"
requires_approval = false
credential_bindings = ["vault://plaid-credentials", "vault://mono-secret-key", "vault://open-banking-credentials"]

# ─── Payments ─────────────────────────────────────────────────────────────────

[[tools]]
name = "initiate_payment"
description = "Initiate a bank transfer/payment (draft, requires approval)"
risk_class = "financial_action"
requires_approval = true
credential_bindings = ["vault://plaid-credentials", "vault://mono-secret-key", "vault://open-banking-credentials"]

[[tools]]
name = "get_payment_status"
description = "Get the status of a payment/transfer"
risk_class = "read_only"
requires_approval = false
credential_bindings = ["vault://plaid-credentials", "vault://mono-secret-key", "vault://open-banking-credentials"]

[[tools]]
name = "list_payments"
description = "List payment/transfer history"
risk_class = "read_only"
requires_approval = false
credential_bindings = ["vault://plaid-credentials", "vault://mono-secret-key", "vault://open-banking-credentials"]

# ─── Statements ───────────────────────────────────────────────────────────────

[[tools]]
name = "get_statement"
description = "Get a bank statement for a period"
risk_class = "read_only"
requires_approval = false
credential_bindings = ["vault://plaid-credentials", "vault://mono-secret-key", "vault://open-banking-credentials"]

# ─── Webhooks / Sync ──────────────────────────────────────────────────────────

[[tools]]
name = "sync_transactions"
description = "Trigger a transaction sync/refresh from the bank"
risk_class = "read_only"
requires_approval = false
credential_bindings = ["vault://plaid-credentials", "vault://mono-secret-key", "vault://open-banking-credentials"]
