MCP Reference

Authentication

All requests must include a Bearer token in the Authorization header:

Authorization: Bearer bcd_YOUR_TOKEN_HERE

A missing or invalid token returns HTTP 401:

{
  "jsonrpc": "2.0",
  "id": 1,
  "error": {
    "code": -32001,
    "message": "Unauthorized"
  }
}

Rate limits

Rate limit information is returned in response headers:

Header	Description
X-RateLimit-Limit	Requests allowed per window
X-RateLimit-Remaining	Requests remaining in current window
X-RateLimit-Reset	Unix timestamp when the window resets

`query_hysa`

Returns active High-Yield Savings Account listings matching the supplied filters.

Parameters

Parameter	Type	Required	Description
min_apy	number	No	Minimum APY (percentage)
max_monthly_fee	number	No	Maximum monthly fee in USD
available_states	string[]	No	US state codes (e.g. ["CA", "NY"])
insurance_type	string	No	One of: fdic, ncua, uninsured
max_min_balance	number	No	Maximum minimum balance required to earn APY

Example request

POST https://mcp.bancadia.com
Authorization: Bearer bcd_YOUR_TOKEN_HERE
Content-Type: application/json

{
  "jsonrpc": "2.0",
  "id": 1,
  "method": "tools/call",
  "params": {
    "name": "query_hysa",
    "arguments": {
      "min_apy": 4.5,
      "available_states": ["CA"],
      "insurance_type": "fdic"
    }
  }
}

Example response

{
  "jsonrpc": "2.0",
  "id": 1,
  "result": {
    "content": [
      {
        "type": "text",
        "text": "[{"id": "...", "product_name": "Premier Savings", "apy": 5.15, ...}]"
      }
    ]
  }
}

`query_business_checking`

Returns active Business Checking Account listings matching the supplied filters.

Parameters

Parameter	Type	Required	Description
entity_types	string[]	No	Entity types: llc, s_corp, c_corp, sole_prop, partnership, nonprofit
max_monthly_fee	number	No	Maximum monthly fee in USD
available_states	string[]	No	US state codes (e.g. ["TX", "FL"])
insurance_type	string	No	One of: fdic, ncua, uninsured
integrations	string[]	No	Required integrations (e.g. ["quickbooks", "stripe"])

Example request

POST https://mcp.bancadia.com
Authorization: Bearer bcd_YOUR_TOKEN_HERE
Content-Type: application/json

{
  "jsonrpc": "2.0",
  "id": 2,
  "method": "tools/call",
  "params": {
    "name": "query_business_checking",
    "arguments": {
      "entity_types": ["llc", "s_corp"],
      "max_monthly_fee": 25,
      "available_states": ["TX"]
    }
  }
}

Example response

{
  "jsonrpc": "2.0",
  "id": 2,
  "result": {
    "content": [
      {
        "type": "text",
        "text": "[{"id": "...", "product_name": "Business Essentials", "monthly_fee": 15, ...}]"
      }
    ]
  }
}