# Developers - Warm MCP Server & API Access

> Connect your favorite AI tools to your bank accounts via MCP. Warm provides secure, read-only financial data access for Claude Code, Cursor, Windsurf, and more.

Source: https://warm.io/developers

# MCP Server

Your money data, in your AI tools

## Get Started

One line. That's it.

`npx @warmio/mcp`

Requires [Node.js](https://nodejs.org) and an API key from [Settings → API Keys](https://warm.io/settings)

### Works with

-   [Claude Code](https://warm.io/claude-code-finance.md)
-   [Cursor](https://warm.io/cursor-finance.md)
-   [Windsurf](https://warm.io/windsurf-finance.md)
-   [Codex CLI](https://warm.io/codex-finance.md)
-   [OpenCode](https://warm.io/opencode-finance.md)
-   [Gemini CLI](https://warm.io/gemini-cli-finance.md)
-   [Claude Desktop](https://warm.io/claude-personal-finance.md)
-   [Antigravity](https://warm.io/moltbot-finance.md)

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## What you need

-   **Pro plan** — API access is Pro only
-   **Node.js 18+** — For the installer
-   **API key** — Make one in Settings
-   **Any MCP client** — Claude Code, Cursor, Windsurf, etc.

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## What you can do

-   `mcp__warm__get_accounts` See all your accounts
-   `mcp__warm__get_transactions` Pull transactions with pagination
-   `mcp__warm__get_financial_state` Read snapshots, budgets, goals, subscriptions, and health
-   `mcp__warm__verify_key` Check your API key

### Or just talk

Ask in plain words:

-   "How much did I spend on food this month?"
-   "What's my net worth?"
-   "Show my biggest expenses last week"

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## Example

You: How much did I spend on restaurants last month?

Claude: You spent $847.32 on restaurants last month across 23 transactions.
That's up 18% from the previous month. Your most frequent spot was
Blue Bottle Coffee with 8 visits totaling $62.40.

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## Safe by design

-   **Read-only** — Can look, can't touch
-   **Just your stuff** — Keys only see your data
-   **Kill it anytime** — Delete keys in one click

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## More MCP pages

-   [Read-Only Financial MCP](https://warm.io/mcp-read-only-finance.md)
-   [Claude Desktop Finance](https://warm.io/claude-desktop-finance.md)
-   [Gemini CLI Finance Data](https://warm.io/gemini-cli-finance-data.md)
-   [Codex CLI Finance Data](https://warm.io/codex-cli-finance-data.md)
