← Glossary

What is an MCP server?

An MCP server is a program that exposes tools and data to AI assistants through the Model Context Protocol (MCP) — an open standard introduced by Anthropic in 2024 that lets any compatible AI client (Claude, Cursor, Windsurf, and others) call those tools in a uniform way. A personal-finance MCP server lets an AI assistant securely query and act on your financial data without custom integrations or copy-pasting exports.

Last updated: 2026-05-29

Before MCP, connecting an AI assistant to an external system meant building a bespoke integration for each pairing. MCP standardizes that connection: a server advertises a set of tools (each with a name, description, and typed inputs), and any MCP-compatible client can discover and call them. The model decides which tool to call; the server runs it and returns structured results.

How Finlynq uses MCP

Finlynq ships a first-party MCP server — not a community wrapper — exposing 91 HTTP tools and 87 stdio tools across budgets, transactions, portfolios, goals, loans, subscriptions, and rules. It supports three transports:

  • Streamable HTTP with OAuth 2.1 and Dynamic Client Registration — for web-based clients like Claude.ai and Claude mobile.
  • HTTP with a Bearer API key — for scripts and custom agents.
  • stdio — for local clients like Claude Desktop.

Because the server is first-party and open source (AGPL v3), you can audit exactly which tools exist and what each one reads or writes before you connect an assistant to your money.

Related

Try Finlynq

Open-source personal finance with a first-party MCP server. Self-host with Docker or use the free managed cloud. AGPL v3.