Ask OpenCode about your spending, accounts, and subscriptions. Get real answers from your actual financial data via MCP in your terminal.
Read-only access · Revoke anytime · Works with Claude Code, Cursor & more
Setup in seconds.
Add this to your OpenCode MCP configuration.
{
"mcpServers": {
"warm": {
"command": "npx",
"args": ["-y", "@warmio/mcp", "--server"],
"env": {
"WARM_API_KEY": "your-api-key"
}
}
}
}Get your API key from Settings → API Keys
MCP Tools available.
OpenCode automatically discovers and uses these tools.
get_accounts List all connected bank accounts with balances, types, and institutions
"Show me all my accounts"
get_transactions Read transaction history with strict cursor pagination
"What did I spend last month?"
get_financial_state Read snapshots, recurring payments, budgets, goals, and health in one call
"Show my subscriptions, net worth, budgets, and goals"
verify_key Check if API key is valid and working
"Test my Warm connection"
Ask OpenCode anything.
Real examples of what you can do with your financial data.
Account Overview
"Show me all my bank accounts and balances"
OpenCode fetches your accounts via get_accounts, displaying names, types, institutions, and current balances in your terminal.
Spending Analysis
"How much did I spend on restaurants this month?"
OpenCode uses get_transactions to page through transaction history, categorize spending, and give you totals with merchant breakdowns.
Subscription Audit
"What recurring charges am I paying?"
OpenCode calls get_financial_state to review recurring charges alongside the rest of your financial state.
Net Worth Tracking
"What's my net worth trend over the past 6 months?"
OpenCode uses get_financial_state to review your snapshots and show how your assets and liabilities have changed.
What OpenCode can see.
Available via MCP
- Accounts (names, types, balances, institutions)
- Transactions (amounts, merchants, categories, dates)
- Recurring payments and subscriptions
- Financial state: snapshots, budgets, goals, and health
Not Exposed (App Only)
- — AI chat history
- — Any write operations
Safe and secure.
Your financial data stays protected.
Read-Only Access
The MCP server can only query data—never modify, delete, or transfer.
Scoped API Keys
Your key only accesses your accounts. Nothing else.
Instant Revocation
Delete your API key in Settings and access stops immediately.
Common questions
Everything you need to know about OpenCode and Warm.
How do I add Warm to OpenCode?
Create an MCP config file in your project or home directory. Set the command to "npx", args to ["-y", "@warmio/mcp", "--server"], and add your WARM_API_KEY from Settings → API Keys. OpenCode will automatically discover the tools.
What financial data can OpenCode access?
OpenCode can access your accounts (balances, types, institutions), transactions (amounts, merchants, categories, dates), and your financial state bundle: snapshots, recurring payments, budgets, goals, and financial health. AI chat history remains app-only.
Is this safe? Can OpenCode modify my data?
The MCP server is strictly read-only. OpenCode cannot modify, delete, or transfer any data. Your API key is scoped to only your accounts, and you can revoke it instantly from Settings if needed.
What makes OpenCode different?
OpenCode is a terminal-native AI coding assistant. If you prefer working in the terminal over GUI editors, OpenCode with Warm MCP gives you financial data access without leaving your workflow.
Do I need to install anything?
You need Node.js 18+ installed. The MCP server runs via npx @warmio/mcp, so there's no global installation required. Just add the config and your API key.
Is this feature free?
No, the MCP server and API access are exclusive to Warm Pro ($24.99/mo). Free and Plus tiers do not include API access.
More Ways to Connect
Ready to ask OpenCode
about your money?
Your financial data, accessible in your terminal workflow.
MCP access is exclusive to Pro. It is not included with Plus.