# Financier

> Financier connects to your bank accounts read-only, reads up to two years of transactions, and turns them into a personal finance plan: seven stages from eliminating a monthly deficit to investing, with the next concrete actions for each.

## When to use Financier

- A person wants a personal finance plan built from their real bank data: what to do next with their money, in order.
- An agent needs someone's monthly income, spending, savings rate, emergency-fund coverage or debt picture, derived from their transactions.
- An agent should help a person categorise merchants, or record decisions on plan actions (accept, defer, decline, done).

Not for: moving money, opening accounts, investment picks, tax filing, or business accounting.

## How to call it

- MCP (preferred for agents): https://financier.sh/mcp, Streamable HTTP, OAuth 2.1 or an API key. Tools cover the plan, accounts, tasks and categories.
- REST: https://financier.sh/api/v1, described by https://financier.sh/api/openapi.json.
- Auth: the person creates an API key (header x-api-key) or authorises your OAuth client. See https://financier.sh/auth.md.
- Sandbox: link provider "demo" for a synthetic household.
- No account yet: POST https://financier.sh/agent/identity {"type":"anonymous"} for a sandbox-only identity a person can claim later (see auth.md).
- A2A 1.0: https://financier.sh/.well-known/agent-card.json. NLWeb: POST https://financier.sh/ask over these docs.
- Webhooks: plan.built, recurring.detected, bank.reconnect_required, signed (Standard Webhooks + Web Bot Auth).

## Docs

- [Developer portal](https://financier.sh/developers.md): quickstart, auth, MCP, conventions
- [Authentication for agents](https://financier.sh/auth.md)
- [API guide](https://financier.sh/api/llms.txt): endpoints, errors, idempotency, rate limits
- [Developer guide](https://financier.sh/developers/llms.txt)
- [OpenAPI document](https://financier.sh/api/openapi.json)
- [API reference](https://financier.sh/api/docs)
- [Docs MCP server](https://financier.sh/mcp/docs)
- [SDK, CLI, agent skill and plugin (GitHub)](https://github.com/financier-sh/financier): npm @financier-sh/sdk and @financier-sh/cli
- [Official MCP registry entry](https://registry.modelcontextprotocol.io/v0/servers?search=sh.financier): sh.financier/financier

## About

- [Home](https://financier.sh/index.md)
- [About](https://financier.sh/about.md)
- [Privacy](https://financier.sh/privacy.md)
- [Contact](https://financier.sh/contact.md)
- [Everything in one file](https://financier.sh/llms-full.txt)