pane-mcp

# Pane MCP Access a user's linked financial accounts via [Pane](https://pane.money), a hosted MCP server powered by Plaid. Query bank accounts, transactions, balances, spending summaries, recurring payments, investments, liabilities, and crypto holdings. Write persistent annotations to remember context across conversations. ## Setup The user must have a Pane account with linked financial accounts and an API key from [pane.money/dashboard/connect](https://pane.money/dashboard/connect). Set the `PANE_API_KEY` environment variable (do not paste the key directly into shell commands): ```bash # Add to your shell profile (.zshrc, .bashrc, etc.) export PANE_API_KEY="pane_sk_live_..." ``` Then configure mcporter: ```bash # Add Pane as an MCP server using the env var mcporter config add pane --url https://mcp.pane.money --header "Authorization: Bearer $PANE_API_KEY" # Verify connection mcporter list pane --schema ``` ## Tools ### Financial data (read-only) **get_accounts** — List linked accounts with balances ```bash mcporter call pane.get_accounts type=all mcporter call pane.get_accounts type=checking ``` **get_transactions** — Search and filter transactions ```bash mcporter call pane.get_transactions search=Starbucks limit:50 mcporter call pane.get_transactions category=FOOD_AND_DRINK start_date=2026-01-01 end_date=2026-01-31 mcporter call pane.get_transactions account_id=<uuid> min_amount:50 ``` Parameters: `account_id` (UUID), `start_date`/`end_date` (YYYY-MM-DD), `category` (Plaid category), `search` (max 200 chars), `min_amount`/`max_amount`, `limit` (1-500, default 50), `offset`. **get_balances** — Current balances with net worth summary (triggers live Plaid refresh) ```bash mcporter call pane.get_balances type=all ``` Returns per-account balances plus summary: `total_cash`, `total_credit_debt`, `total_investments`, `total_loans`, `total_crypto`, `net_worth`. **get_spending_summary** — Spending grouped by category, merchant, week, or month ```bash mcporter call pane.get_spending_summary period=this_month group_by=category mcporter call pane.get_spending_summary period=last_30d group_by=merchant mcporter call pane.get_spending_summary start_date=2026-01-01 end_date=2026-01-31 group_by=week ``` Period shortcuts: `last_7d`, `last_30d`, `this_week`, `last_week`, `this_month`, `last_month`, `this_year`. Use either `period` OR `start_date`+`end_date`, not both. **get_recurring** — Subscriptions, bills, and income streams ```bash mcporter call pane.get_recurring type=all mcporter call pane.get_recurring type=subscriptions ``` Returns arrays for subscriptions/bills/income with monthly totals. Frequency conversion: weekly x4.33, biweekly x2.17, monthly x1, annually /12. **get_investments** — Investment holdings and portfolio value ```bash mcporter call pane.get_investments mcporter call pane.get_investments account_id=<uuid> ``` Cached 15 minutes. Returns holdings with symbol, quantity, currentValue, costBasis. **get_liabilities** — Credit, student loan, and mortgage details ```bash mcporter call pane.get_liabilities type=all mcporter call pane.get_liabilities type=credit ``` Cached 1 hour. Returns APRs, payment amounts, due dates. **get_crypto** — Crypto holdings across exchange accounts and on-chain wallets ```bash mcporter call pane.get_crypto blockchain=all mcporter call pane.get_crypto wallet_id=<uuid> blockchain=ethereum ``` Requires crypto feature enabled. Triggers live wallet refresh. ### Annotations (read/write) Annotations are persistent notes attached to transactions, merchants, accounts, or the user's profile. They appear in future tool results automatically. **write_annotation** — Save a note ```bash mcporter call pane.write_annotation scope=profile content="Freelancer, budgets $3k/month for essentials" mcporter call pane.write_annotation scope=merchant target_id=WeWork content="Business expense — coworking" mcporter call pane.write_annotation scope=account target_id=<uuid> content="Joint account with partner" mcporter call pane.write_annotation scope=transaction target_id=<uuid> content="Reimbursable expense" ``` Scopes: `profile` (no target_id), `merchant` (case-insensitive name), `account` (UUID), `transaction` (UUID). Max 2,000 chars, max 50 per target. **list_annotations** — List saved annotations ```bash mcporter call pane.list_annotations mcporter call pane.list_annotations scope=profile limit:10 ``` **delete_annotation** — Delete by ID ```bash mcporter call pane.delete_annotation annotation_id=<uuid> ``` ## Resources ```bash mcporter call pane.read_resource uri=pane://profile # Text summary: accounts, net worth, income, model notes mcporter call pane.read_resource uri=pane://accounts # JSON list of accounts with names and types mcporter call pane.read_resource uri=pane://insights # JSON: net worth breakdown, unusual spending, low balance warnings, upcoming bills ``` Start with `pane://profile` for a quick overview, then drill in with tools. ## Privacy scopes Each account has a privacy scope set by the user. The server enforces these automatically: | Scope | Balances | Transactions | Merchants | |-------|----------|-------------|-----------| | `full` | Visible | Visible | Visible | | `balances_and_redacted` | Visible | Visible | "Redacted" | | `balances_only` | Visible | Hidden | Hidden | | `hidden` | Hidden | Hidden | Hidden | If transactions return empty for an account that exists, it's privacy-scoped — not missing data. ## Rate limits 30 requests/minute, 1,000/day per user. Prefer `get_spending_summary` over iterating `get_transactions`. Read resources first to plan tool calls. ## Common patterns **Net worth**: `get_balances type=all` — check `summary.net_worth` **Monthly spending**: `get_spending_summary period=this_month group_by=category` then `group_by=merchant` for detail **Subscription audit**: `get_recurring type=subscriptions` — check `total_monthly_subscriptions` **Transaction search**: `get_transactions search="merchant name"` or `category=FOOD_AND_DRINK min_amount:50` **Plaid categories**: `FOOD_AND_DRINK`, `TRANSPORTATION`, `ENTERTAINMENT`, `RENT_AND_UTILITIES`, `GENERAL_MERCHANDISE`, `PERSONAL_CARE`, `TRAVEL`, `MEDICAL`, `EDUCATION`, `INCOME`, `TRANSFER_IN`, `TRANSFER_OUT`, `LOAN_PAYMENTS`, `BANK_FEES` ## Notes - Amounts: positive = debits (spending), negative = credits (income) - Dates: `YYYY-MM-DD` format, UTC - Pagination: `limit` + `offset` on `get_transactions` and `list_annotations` - Errors return `isError: true` — common: rate limit (wait + retry), subscription inactive (402), crypto not enabled - Annotations are persistent and server-side — never store passwords, full account numbers, or secrets in annotation content - Prefer `--output json` for machine-readable results