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Paperclip + MoneySprout

Orchestration with human checkpoints

Paperclip graphs can pause after get_alerts—you fix budgets in MoneySprout when approved.

Read-only MCP. MoneySprout tools list transactions, budgets, accounts, and insights—they do not create, edit, or delete financial data. Manage money in the MoneySprout app; use agents to understand it.
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You

Paperclip flow: MoneySprout get_life_hub_briefing then halt for review.

Paperclip

Flow halted after briefing. Five action items—none executable via MCP writes.

How to connect Paperclip

  1. Register the MoneySprout MCP URL in your Paperclip tool configuration.
  2. Authenticate with OAuth or a personal access token on a trusted machine.
  3. Default playbooks to get_alerts, get_metrics, and query_spending—never expect mutating tools.
  4. Rotate personal access tokens in Settings → Developer if a runner is decommissioned.

MoneySprout MCP server URL

https://moneysprout.app/mcp

OAuth sign-in is recommended for remote clients. Personal access tokens in Settings → Developer work for local stdio bridges. MCP requires standard encryption mode (not zero-knowledge) so tools can read your linked data.

What you can do with Paperclip

  • Approval graphs

    Pause after metrics; humans act in MoneySprout.

  • Multi-step reads

    Chain list_accounts → get_alerts → briefing.

  • Observability

    Correlate run IDs with MCP read logs.

  • Household flows

    Share summaries, not write access.

MoneySprout MCP tools

When connected, Paperclip can call these tools. Write tools require the matching write scope.

Transactions

  • list_transactions
  • get_transaction
  • query_spending
  • update_transaction
  • recategorize_transactions

Budgets and categories

  • list_budgets
  • list_categories
  • create_category
  • update_category
  • delete_category

Accounts, goals, and net worth

  • list_accounts
  • get_net_worth_history
  • list_goals

Insights and briefings

  • get_daily_summary
  • get_alerts
  • get_metrics
  • get_life_hub_briefing

Follow-up

  • get_tasks

Example prompts

  • get_tasks node before human categorization step.
  • list_budgets export for a spreadsheet you edit offline.

FAQ

Is MoneySprout preinstalled in ChatGPT or Claude?
No. Add MoneySprout as a custom MCP connector (or complete OAuth when your client supports remote MCP). Sign in with your MoneySprout account during consent.
Can an agent change my budgets or add transactions?
Read tools cannot. With write:transactions an agent can change a transaction's category, note, or follow-up flag, including a bulk recategorize by id or merchant. With write:categories it can create, rename, or delete your custom categories. It still cannot add or delete transactions, edit budgets, goals, or accounts, or move money. Existing grants stay read-only until you reconnect and approve the write scopes.
Why does MCP require standard encryption mode?
Read-only tools need server-side access to linked account data. Zero-knowledge mode keeps keys only on your devices, so MCP and API access are disabled until you switch to standard encryption in Settings → Privacy & encryption.
Does the model see my bank passwords?
No. OAuth connects the MCP client to MoneySprout. Bank credentials stay with Plaid inside MoneySprout; agents receive structured summaries and transaction rows your account already synced.

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