# OpenCode Financial Data Integration | Warm

> Connect your bank accounts to OpenCode. Query transactions, balances, and subscriptions with natural language via MCP.

Source: https://warm.io/opencode-finance

Pro Exclusive

Ask OpenCode about your spending, accounts, and subscriptions. Get real answers from your actual financial data via MCP in your terminal.

[Get Pro for $24.99/mo](https://warm.io/pricing.md) [View Full Documentation](https://warm.io/developers.md)

Read-only access · Revoke anytime · Works with [Claude Code](https://warm.io/claude-code-finance.md), [Cursor](https://warm.io/cursor-finance.md) & more

## Setup in seconds.

Add this to your OpenCode MCP configuration.

mcp.json

```
{
  "mcpServers": {
    "warm": {
      "command": "npx",
      "args": ["-y", "@warmio/mcp", "--server"],
      "env": {
        "WARM_API_KEY": "your-api-key"
      }
    }
  }
}
```

Get your API key from [Settings → API Keys](https://warm.io/settings)

## 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

[Claude Code Integration →](https://warm.io/claude-code-finance.md) [Aider Integration →](https://warm.io/aider-finance.md) [Gemini CLI Integration →](https://warm.io/gemini-cli-finance.md) [Full Documentation →](https://warm.io/developers.md)

## Ready to ask OpenCode
about your money?

Your financial data, accessible in your terminal workflow.

[Get Pro for $24.99/mo](https://warm.io/pricing.md) [View Documentation](https://warm.io/developers.md)

MCP access is exclusive to Pro. It is not included with Plus.
