# Yodlee MCP > Yodlee MCP connects your AI agent directly to bank data, letting you list accounts, pull transaction histories, and manage provider credentials without leaving your chat window. Get programmatic access to financial details from major institutions—all through a simple conversation. ## Overview - **Category:** finance-accounting - **Price:** Free - **Tags:** fintech, bank-aggregation, transaction-history, account-verification, yodlee-api ## Description You don't need to jump between banking portals or export mountains of CSV files just to get an overview. This MCP gives your AI agent the ability to pull real-time financial data, letting you ask questions like, 'How much did I spend on dining out last quarter?' and getting a precise answer right back. It handles listing all linked accounts, fetching filtered transactions by category or date, and even managing credential refreshes for specific providers. Building custom finance dashboards used to mean writing complex scripts and dealing with messy APIs. Now, you tell your agent what data you need—whether it's checking the status of a new bank link or finding out which institutions are supported—and it handles the heavy lifting. Because every single action takes place within Vinkius, all tool calls produce a cryptographically signed audit trail. You always know exactly who asked for what data and when, making compliance easier than ever. ## Tools ### generate_token Generates an active access token needed for subsequent data calls. ### create_provider_account Starts the process of linking a new financial institution account. ### create_verification Initiates an account verification check, useful for confirming identity with a bank. ### delete_account Removes a specified financial account from the user's linked profile. ### get_account Retrieves detailed information and current balances for a specific linked account ID. ### get_provider_account Checks the progress of an existing account refresh or linking process status. ### get_provider Fetches details about a particular financial institution, including its login requirements. ### get_verification Retrieves the final results and status of a requested account verification check. ### list_accounts Lists all financial accounts currently connected to the user's profile. ### list_providers Searches and lists major financial institutions that are supported by Yodlee. ### list_transaction_categories Provides a list of all standard categories available for classifying transactions. ### list_transactions Fetches and summarizes transaction data across all linked accounts, filtered by time or keywords. ### update_provider_account Updates login credentials for a provider or manually triggers an account refresh. ## Prompt Examples **Prompt:** ``` List all my linked financial accounts and their current balances. ``` **Response:** ``` I've retrieved your accounts. You have 3 linked accounts: a 'Premier Checking' (ID: 10123) with $4,250.00, a 'High Yield Savings' (ID: 10124) with $12,800.00, and a 'Travel Rewards Credit Card' (ID: 10125) with a balance of -$450.20. ``` **Prompt:** ``` Search for transactions containing 'Amazon' from the last 30 days. ``` **Response:** ``` Searching your history... I found 2 transactions: $45.99 at 'Amazon.com' on Oct 12th and $12.99 for 'Amazon Prime' on Oct 15th. Would you like more details on either of these? ``` **Prompt:** ``` Show me the details for the financial provider with ID 16441. ``` **Response:** ``` Fetching provider info... ID 16441 corresponds to 'Chase Bank'. It supports account aggregation and verification, requiring a username, password, and MFA for linking. ``` ## Capabilities ### See all linked accounts List every financial account tied to the user profile and get specific details on any single account. ### Pull transaction history Fetch, filter, and summarize transactions across all connected accounts based on keywords, dates, or categories. ### Manage bank links Initiate new connections to financial institutions, refresh old credentials, or remove an account entirely from the profile. ### Check provider details Search for supported banks and find out what login information they require before linking them. ### Handle verification status Start an account verification process or retrieve the results to confirm a user's identity with a bank. ## Use Cases ### Client onboarding checklist A client service manager needs to verify all required accounts for a new user. Instead of calling three different systems, the agent first runs `list_providers` to confirm bank support, then uses `get_provider` to check login requirements, and finally attempts to run `create_provider_account`. ### Spending pattern audit A financial analyst needs to know if the last quarter's spending was mostly discretionary or essential. They ask the agent to run `list_transactions`, filtering by keywords like 'travel' and comparing it against transactions categorized as 'utilities'. ### Data migration prep A developer needs a full list of all accounts for a database migration test. They use `list_accounts` to get every account ID, then loop through them using `get_account` to verify balances and structure. ### Investigating suspicious activity A PM spots an unknown transaction. They ask the agent to run `list_transactions` for a specific date range, allowing them to quickly identify the merchant and check if it matches any known categories via `list_transaction_categories`. ## Benefits - Get instant visibility into linked accounts. Instead of manually running `list_accounts` and checking balances, your agent pulls the full list in a single query. - Cut through manual reporting. Use `list_transactions` to pull filtered transaction history—by date or category—and get clean, structured data instantly. - Manage credentials safely. You can use `get_provider_account` and `update_provider_account` to refresh old logins without needing to log into multiple bank websites. - Verify links programmatically. Need to know if a new connection is legitimate? Use `create_verification` followed by `get_verification` to confirm status on the fly. - Know your options first. Before building an integration, run `list_providers` to see which banks are supported and what credentials they require. ## How It Works The bottom line is you get actionable financial data through natural conversation, without ever having to touch an API endpoint yourself. 1. Subscribe to this MCP and enter your Yodlee Base URL, Client ID, and Secret. 2. Your AI client uses those credentials to securely talk to the financial service via Vinkius's zero-trust proxy. 3. You ask your agent a question—like 'Show me all my accounts'—and it returns structured, usable data. ## Frequently Asked Questions **How do I list all my accounts using the Yodlee MCP?** You call `list_accounts`. This tool sends a request to retrieve every financial account ID and basic status connected to your profile in one go. **Can I refresh credentials with the Yodlee MCP?** Yes. Use the `update_provider_account` tool, or first check the status using `get_provider_account` if you suspect a credential issue. **Is the data from list_transactions real-time?** The data retrieved via `list_transactions` reflects the current aggregated state of your linked accounts, pulling history and balances as needed. Always check the provider's last update time for maximum accuracy. **What if I need to know what banks are supported? Yodlee MCP?** Use `list_providers`. This tool searches the catalog of major financial institutions that have established integration with Yodlee, letting you plan your workflow accurately. **How do I handle expired access keys using the `generate_token` tool?** You run `generate_token` with your credentials to get a fresh key. This function issues a new, valid Yodlee access token, ensuring your AI agent doesn't fail because of an expired API key. It keeps your connections secure and running smoothly. **What information do I get when checking status with `get_provider_account`?** This tool confirms the current state of a linked account or refresh process. It tells you if your credentials are valid, if a manual update was successful, or if further action (like user input) is required to complete linking. **Before analyzing transactions, how do I use `list_transaction_categories`?** This command provides you with the full list of available transaction categories. You get the predefined taxonomy used by Yodlee, allowing your agent to accurately categorize expenses or filter records without guesswork. **How do I permanently remove a linked account using the `delete_account` tool?** Calling `delete_account` immediately severs the connection to that financial institution. This action permanently removes the account from your profile, ensuring sensitive data is no longer accessible through any of your AI workflows. **Can I filter transactions by a specific date range or category?** Yes. Use the `list_transactions` tool with optional parameters like `fromDate`, `toDate`, and `categoryId` to narrow down your financial history. **How do I find if a specific bank is supported by Yodlee?** You can use the `list_providers` tool to search for financial institutions and the `get_provider` tool to see specific details and requirements for that institution. **Is it possible to remove a linked account through the AI agent?** Yes. The `delete_account` tool allows you to remove a specific account from the user profile by providing its unique Account ID.