# Belvo MCP for AI Agents MCP > Belvo connects your AI agent to financial data across Latin America. List links, accounts, and transactions directly from any compatible client. This allows you to aggregate banking details, check spending patterns, review income streams, and audit institutional connections in one place. ## Overview - **Category:** money-moves - **Price:** Free - **Tags:** open-banking, financial-data, api-platform, transaction-analysis, account-aggregation, fintech ## Description Connecting Belvo lets you talk to your finances instead of clicking through dozens of bank portals. Instead of manually compiling spreadsheets or running multiple API calls across different institutions, you just ask your AI agent a natural language question. For example, 'What are my recurring bills?' The agent handles the heavy lifting: it checks all linked accounts for utility payments, subscriptions, and loan repayments. You can get full details on specific financial transactions, track current balances, or even look at investment holdings—all from a single chat window. If you’re building a system that needs robust financial data flow across Latin America, Vinkius makes this MCP readily available to connect with your existing AI client. ## Tools ### get_account Retrieves full details for a single specified financial account. ### get_investments Lists investment portfolios and holdings across linked brokerage accounts for wealth management analysis. ### get_link Gets detailed status, access mode, and metadata for a specific Belvo connection link. ### get_transaction Retrieves complete details for one particular financial transaction. ### list_accounts Lists all linked financial accounts—including checking, savings, and loans—with balance, currency, and type. ### list_balances Shows the current and available cash balances for every linked account to monitor liquid assets. ### list_incomes Generates income insights from transaction analysis, useful for affordability checks or credit scoring. ### list_institutions Lists all banks and financial institutions supported by Belvo across Latin America. ### list_links Retrieves a list of all active connections, representing user-to-institution links within the system. ### list_owners Lists identity information for the people behind linked accounts, useful for KYC verification. ### list_recurring_expenses Detects and lists patterns of predictable payments like subscriptions or utility bills from transaction history. ### list_transactions Provides a paginated list of all financial transactions, including debits, credits, and transfers, for auditing. ## Prompt Examples **Prompt:** ``` What were my main expenses last month? ``` **Response:** ``` **💸 Spending Report: May 2024** I found four major spending categories: * **Rent/Utilities:** R$ 3,500.00 (Recurring) * **Groceries:** R$ 1,250.00 (From checking account) * **Subscriptions:** R$ 99.90 (Identified recurring expense) * **Travel:** R$ 650.00 (Includes flights and hotel). You can find the full breakdown by running `list_transactions` for that period. ``` **Prompt:** ``` Show me my total available money across all accounts. ``` **Response:** ``` **💰 Total Liquidity Snapshot** As of today, your combined liquid assets are: **R$ 9,120.55**. * Checking (Nubank): R$ 3,100.00 * Savings (Itau): R$ 4,500.00 * Credit Card Limit Available: R$ 1,520.55 Please note that these balances update in real-time. ``` **Prompt:** ``` What are my investment holdings? ``` **Response:** ``` **📈 Portfolio Summary** Your linked brokerage accounts show the following holdings: * **AAPL:** 45 shares (Current Value: $7,200) * **MSFT:** 30 shares (Current Value: $11,000) * **BND ETF:** 150 units (Current Value: $9,500) Total portfolio value across linked accounts is **$27,700.00**. Want to see performance over the last quarter? ``` ## Capabilities ### Audit all linked financial connections Get a comprehensive list of every connected bank and institution, along with the status and refresh rates for each link. ### Monitor current cash positions List available and pending balances across all your linked checking, savings, and credit accounts immediately. ### Analyze spending patterns and history Retrieve detailed financial transactions by date range or category to understand where money is going. ### Determine recurring expenses and income Identify predictable payments, like subscriptions or rent, and pull insights on typical monthly income sources. ### View investment performance summaries Pull detailed records of your brokerage holdings and overall wealth management information. ## Use Cases ### Investigating a specific spending category A user asks their agent, 'Show me all my coffee shop spending last quarter.' The agent uses `list_transactions` and filters the results to provide an exact total and list of transactions. ### Auditing connectivity for a new feature A developer asks, 'List every active link and its status.' The agent runs `list_links`, confirming which institutions are connected and if the connection is healthy enough to use in production code. ### Calculating overall liquid assets The user asks, 'What's my total available cash?' The agent calls `list_balances` across all types of accounts (savings, checking, credit) and provides a single summed figure. ### Verifying client identity data A compliance officer asks the agent to 'Get the owner details for the primary bank account.' The agent executes `list_owners` to pull necessary KYC information directly into their workflow. ## Benefits - Audit connections instantly: Use `list_links` to audit every user-to-institution connection without navigating the Belvo dashboard. - Track spending patterns accurately: Running `list_transactions` lets you quickly see all debits, credits, and transfers across years of activity. - Monitor cash flow easily: Calling `list_balances` gives you a real-time view of available money across every linked account type. - Understand monthly outflow: Use `list_recurring_expenses` to instantly surface subscriptions and utility payments for budgeting analysis. - Check wealth status fast: The `get_investments` tool pulls detailed information on your brokerage holdings so you don't have to log into multiple platforms. ## How It Works The bottom line is you ask one natural language query and get structured financial data back immediately. 1. Subscribe to the Belvo MCP and provide your secret ID and password. 2. Connect your preferred AI client (like Cursor or Claude) using the Vinkius platform. 3. Ask your agent a question, such as 'List all my active accounts' or 'What transactions happened last week?' ## Frequently Asked Questions **How does Belvo help me track spending in different countries?** Belvo aggregates financial data across multiple Latin American institutions, allowing you to view all transactions regardless of their source bank or country. You just ask your agent for the report, and it compiles everything into one place. **Can Belvo show me my recurring bills?** Yes. Using Belvo MCP, you can list recurring expenses like subscriptions and utility payments by analyzing transaction history. This makes budgeting much easier because all the patterns are automatically detected for you. **What kind of accounts can I get data for with Belvo?** Belvo provides access to a wide range of account types, including checking, savings, credit card limits, and loan details. You can use the MCP to list balances across all these sources instantly. **Is Belvo only for developers or can I use it myself?** You don't need to code. By connecting this MCP through Vinkius, you can simply ask your AI agent questions about your finances using natural language, just like talking to a colleague. **Does Belvo track investment performance?** Yes, it retrieves detailed information on linked investment portfolios and holdings. You get summaries of different assets and the overall value across all connected brokerage accounts.