Your finances, in any AI chat

MCP Integration

AI That Does Your Bookkeeping

Give AI assistants like Claude and ChatGPT a secure, permission-controlled connection to your Wallet. Ask about your spending — then let them do the work: import a statement, log expenses, set budgets, and tidy up your records, all in natural language.

Any AI assistantRead & writeOAuth 2.0File → Transactions
https://mcp.wallet.budgetbakers.comMCP documentation
Wallet MCP · agent session
N
Northgate Bank
Account statement
Acct ····4821
1–31 Jul 2025
DateDescriptionAmount
Jul 02Lidl−€38.40
Jul 03Shell−€52.10
Jul 05Spotify−€9.99
Jul 06ACME Payroll+€2,600.00
Jul 08Bistro Praha−€24.50
Jul 09Albert−€61.20
Closing balance€3,182.41
create_records
Wallet
  • LidlGroceriesJul 02−€38.40
  • ShellTransportJul 03−€52.10
  • SpotifySubscriptionsJul 05−€9.99
  • ACME PayrollIncomeJul 06+€2,600.00
  • Bistro PrahaDiningJul 08−€24.50
  • AlbertGroceriesJul 09−€61.20
Add every transaction from this statement to my checking account.
Imported 6 transactions to Checking — €2,600 in income and €186.19 in expenses.
What is MCP

An open standard that lets AI act on your finances

The Model Context Protocol is an open standard for connecting AI assistants to real systems. Wallet's MCP server exposes your finances as a secure, permissioned toolset — so an agent can read your data and, when you allow it, create, update and clean it up.

Natural-language access

Ask in plain words. The agent picks the right tools, filters and time windows — no query language, no exports.

Permission-controlled

You decide exactly what each agent can do — read, create, update, delete — per data type. Read-only by default; writes are opt-in and revocable any time.

Straight from your Wallet

Transactions, accounts, budgets and spending, pulled directly from your own data — with pre-computed budget spend, so there's no manual math.

What your AI can do

Read-only by default. When you allow it, your assistant can also create, update and tidy up your data — you choose what, per data type.

Read

See balances, transactions, budgets and spending trends — straight from your Wallet.

Create

Add transactions, accounts, budgets, categories and labels — from a sentence or a whole file.

Update

Edit or bulk-recategorize records, rename accounts, adjust budgets and labels.

Delete

Remove duplicates or records you no longer want — safety checks block unsafe deletes.

Example prompts

“Add all the transactions from this bank statement to my checking account.”

Drop a PDF, CSV, receipt photo, or screenshot — the AI reads it and writes clean, categorized records.

Createcreate_records

“I paid 45 EUR for groceries at Lidl, log it on checking.”

Capture an expense on the fly, categorized automatically.

Createcreate_records

“Create a 200 EUR monthly dining budget.”

Set up budgets in one sentence — no forms.

Createcreate_budget

“Export my last 3 months of transactions to an Excel file.”

The AI reads your records and builds a ready-to-share .xlsx — grouped how you ask.

Exportget_records

“Recategorize all my 'Unknown' transactions from last month as Transport.”

Bulk edits across many records in one request.

Organizepatch_records

“Tag these as #reimbursable for my expense report.”

Create and apply labels to keep things sorted.

Organizecreate_label

“Am I over budget on anything this month?”

Pre-computed spending vs. budgets — no manual math.

Askget_budgets

“Spending by category, last 3 months, biggest first.”

Aggregated insight across periods and categories.

Askget_records_aggregation

“Delete the duplicate coffee charges from Tuesday.”

A safe pre-check, then a clean removal.

Clean updelete_documents

Setup Guide

Two ways to connect, depending on your client. OAuth for chat apps, a manual access token for desktop and developer tools.

Recommended

Option A — Connect with OAuth

Claude.ai · ChatGPT

In your AI client's connectors or integrations panel, add Wallet and sign in with your BudgetBakers account. No tokens to copy — permissions are granted per tool. Follow the step-by-step guides below.

Claude WebSetup guideChatGPTSetup guide
Google GeminiNot available yet

Google's consumer Gemini app doesn't support MCP connections yet. We'd love to bring Wallet to Gemini and are watching closely — we'll add support as soon as the platform makes it possible.

Desktop · CLI · editors

Option B — Connect with an access token

In Wallet, open Settings → MCP and generate an access token, then paste it into your client's config below.

claude_desktop_config.json
{
  "mcpServers": {
    "wallet": {
      "command": "npx",
      "args": [
        "-y", "mcp-remote",
        "https://mcp.wallet.budgetbakers.com",
        "--header",
        "Authorization: Bearer YOUR_TOKEN_HERE"
      ]
    }
  }
}

Claude Desktop's config is stdio-only, so this uses the mcp-remote bridge. You can also add Wallet with no token via Settings → Connectors (OAuth).

Replace YOUR_TOKEN_HERE with the access token from Wallet → Settings → MCP.

Security & Privacy

Permission-Controlled Access

You decide what each AI agent can do — read, create, update, delete — per data type. Read-only by default; writes are opt-in.

OAuth 2.0 & Access Tokens

Connect via OAuth (Claude.ai, ChatGPT) or a manual access token (Desktop, CLI, editors). Both revocable instantly.

Row-Level Security

Your connection grants access only to your own data. Other users' data is never reachable.

Encrypted Transport

All traffic between AI clients and the MCP server travels over encrypted connections.

Instant Revocation

Revoke OAuth access or any token anytime at web.budgetbakers.com/settings/mcp-server.

Fair-Use Rate Limits

Up to 300 requests per hour per account, shared with the REST API — plenty for normal conversation, with headroom that only runaway automation would exhaust.

Frequently asked questions

Is my financial data safe?

Yes. You connect over an encrypted channel with OAuth or a personal access token, each AI only ever sees your own data, and you can revoke access instantly from Wallet → Settings → MCP.

Can the AI change or delete something by accident?

It can only do what you allow. Access is read-only by default; create, update and delete are opt-in per data type. Your AI client asks before it writes, and every change is reviewable and reversible in Wallet. Manage permissions in Wallet

Which AI assistants work with Wallet MCP?

Any assistant that speaks MCP. Today that includes Claude (web, desktop and Claude Code), ChatGPT, Cursor and Windsurf. Google Gemini will work as soon as its consumer app supports MCP connections.

Is the data real-time?

Almost — with a short lag. Your Wallet data is created on your phone or the web app and synced to the server, and MCP reads from that synced copy. New changes usually appear within minutes and can take up to about 15 minutes to fully propagate. Whenever you ask, the AI pulls the latest synced data — there's no manual export or refresh.

Are there usage limits?

Yes — up to 300 requests per hour per account, shared across the REST API and MCP together. That's plenty for normal back-and-forth; you'd only reach it with runaway automation.

How do I disconnect?

Revoke the OAuth connection or delete the access token anytime — access stops immediately. Manage everything from your MCP settings

Ready to put your AI to work on your finances?

Connect Wallet MCP in minutes — read-only by default, with create, update, and delete ready when you want them.

Get WalletMCP documentation