# Fintoc MCP

> Fintoc connects your AI agents directly to open banking systems in Chile and Mexico. It lets you automatically fetch real-time bank balances, pull detailed transaction histories for auditing, list active subscriptions, and programmatically initiate fund transfers across multiple financial institutions via the Model Context Protocol (MCP). Stop logging into separate banking portals; let your agent handle all account data retrieval and payment operations.

## Overview
- **Category:** finance-accounting
- **Price:** Free
- **Tags:** open-banking, bank-transfers, financial-data, real-time-payments, account-aggregation, latam-fintech

## Description

Fintoc gives your AI client the keys to open banking in Latin America. You connect this MCP to access bank accounts, transaction movements, and payments across major financial institutions in Chile and Mexico. Instead of manually checking balances or downloading CSV reports, you simply ask your agent for what you need—like "What was spent on travel last month?" The system then pulls the data directly from your linked banks.

Your agent can list all bank links to ensure continuous access. It fetches account details and tracks every movement history using powerful date filters. Need to send money? Your agent creates a payment intent, automating transfers right through the platform. This capability allows finance teams and developers alike to manage complex financial operations without leaving their preferred AI environment. You manage your open banking data and transfers from any compatible client through Vinkius, turning tedious reconciliation into simple conversation.

## Tools

### create_payment_intent
Creates the necessary details for an upcoming payment transfer.

### get_account
Retrieves specific, detailed information about a single linked bank account.

### get_link
Fetches the full details of a specific bank link connection.

### get_movement
Gets detailed information for one particular transaction movement.

### get_payment_intent
Retrieves the current status and details of a created payment transfer intent.

### get_subscription
Fetches specific information about an active recurring subscription.

### list_accounts
Retrieves a list of all bank accounts associated with a given bank link.

### list_institutions
Shows a supported list of banks and financial institutions in the region.

### list_links
Retrieves a complete list of all bank connections you have established.

### list_movements
Lists multiple transaction records for an entire account, allowing filtering by date.

### list_payment_intents
Retrieves a list of payment transfer requests that have been initiated but might not be finalized yet.

### list_subscriptions
Lists all active recurring payments and subscriptions linked to your accounts.

## Prompt Examples

**Prompt:** 
```
List all my bank accounts linked to Fintoc.
```

**Response:** 
```
Fetching accounts... I found 2 accounts linked to your Fintoc profile: 'Checking Account (...1234)' with a balance of 500,000 CLP and 'Savings Account (...5678)' with 1,200,000 CLP.
```

**Prompt:** 
```
Show me the last 5 transactions for account 'acc_9876'.
```

**Response:** 
```
Retrieving movements... Here are the 5 most recent transactions for account acc_9876, including 'Starbucks' (-4,500 CLP) and 'Amazon Prime' (-12,000 CLP).
```

**Prompt:** 
```
Which banks are supported in Chile (cl)?
```

**Response:** 
```
Checking institutions... In Chile, Fintoc supports major banks including Banco de Chile, Banco Santander, Banco Estado, BCI, and Scotiabank. Would you like the full list?
```

## Capabilities

### Retrieve Account Balances
Fetch current account details and available funds for all linked bank accounts.

### Audit Transaction History
Pull detailed transaction records (movements) for any specific account, filterable by date range.

### Initiate Fund Transfers
Create and monitor payment intents to automatically execute bank transfers through the agent.

### Manage Bank Connections
List and manage all active bank links, ensuring your data access remains persistent.

### Identify Supported Banks
Discover which banks and financial institutions are supported across various countries in the region.

## Use Cases

### Auditing Quarterly Expenses
A financial analyst needs to prove all corporate spending in Q1. They ask their agent, "Show me all movements between January and March." The agent uses `list_movements`, pulling every transaction from multiple accounts into a single, readable list.

### Paying Vendor Bills Automatically
A business owner needs to pay three vendors immediately. They ask the agent to process payments. The system calls `create_payment_intent` for each vendor and then tracks all statuses using `list_payment_intents` until confirmation.

### Onboarding a New Bank Account
A developer needs to test connectivity with a new bank. They first run `list_institutions` to confirm support, then use `get_link` and `list_accounts` to validate the connection details before writing any complex logic.

### Reviewing Recurring Costs
The operations manager notices spending is high. They ask the agent which services are costing money monthly, and the system uses `list_subscriptions` to provide a comprehensive summary of all recurring charges.

## Benefits

- Instantly pull full transaction histories. Instead of manually downloading and matching CSVs, your agent runs the `list_movements` tool to give you filtered data right in the chat.
- Manage transfers without leaving your workflow. You use `create_payment_intent` to define a transfer request, and the agent handles the monitoring process via `get_payment_intent` until it's complete.
- Get a full view of your financial footprint. Use `list_subscriptions` to track every recurring payment across all linked accounts in one go.
- Simplify bank onboarding. Before building anything, use `list_institutions` to check if the target bank is supported, saving time on initial planning.
- Centralize account data. With `list_accounts`, you can immediately see a summary of balances and access details for every connected bank without logging in anywhere.

## How It Works

The bottom line is, you give your AI client one set of keys and get instant access to structured financial data from banks across Chile and Mexico.

1. Subscribe to this MCP via Vinkius and provide your Fintoc Secret Key, which you find in your Fintoc Dashboard.
2. Connect your preferred AI client or agent. The agent uses the credentials to establish communication with the open banking data.
3. Ask your agent to perform an action—like listing linked accounts or fetching movement details—and it executes the transaction using the defined tools.

## Frequently Asked Questions

**How many countries does Fintoc support?**
Fintoc is focused on providing open banking integration for Latin America, specifically covering Chile and Mexico. You can use `list_institutions` to see the full list of supported banks.

**Can I view my bank balance with Fintoc MCP?**
Yes. The agent uses tools like `list_accounts` to fetch real-time details, giving you the current available balances for all linked accounts instantly.

**What is the difference between list_movements and get_movement using Fintoc MCP?**
`list_movements` retrieves a filtered batch of multiple transactions (like all movements in May). `get_movement` pulls deep details for one specific transaction, useful if you need to audit a single item.

**Does Fintoc support real-time money transfers?**
Yes. You initiate payments using `create_payment_intent`, and the agent manages the subsequent status checks via `list_payment_intents` until the transfer is complete.

**How do I check which banks Fintoc can connect to?**
Run the `list_institutions` tool. This command provides a comprehensive list of all supported financial institutions in Chile and Mexico, so you know exactly where your data will come from.