1Money MCP

MCP (stdio) for the 1Money API, aligned to the current OpenAPI surface and exposed as grouped MCP tools.

What This MCP Server Does

• Exposes 1Money API operations as MCP tools (assets, customers, conversions, withdrawals, transactions, and more).
• Standardizes request inputs so MCP clients can call tools without SDK-specific glue code.
• Handles auth and sandbox configuration via environment variables or ~/.onemoney/credentials.
• Ships a JSON Schema (schemas/tools.json) for tool discovery, validation, and client generation.

Integration

Cursor (one-click install)

One-click install: Add MCP to Cursor.

After installation, add your credentials to ~/.cursor/mcp.json:

{
  "mcpServers": {
    "1money": {
      "command": "npx",
      "args": ["-y", "@1money/mcp"],
      "env": {
        "ONEMONEY_ACCESS_KEY": "your-access-key",
        "ONEMONEY_SECRET_KEY": "your-secret-key",
        "ONEMONEY_SANDBOX": "1"
      }
    }
  }
}

Note: ONEMONEY_SECRET_KEY is required for non-sandbox use. When ONEMONEY_SANDBOX=1, the access key is sufficient.

Claude Code

Run the following command in your terminal:

claude mcp add --transport stdio 1money --env ONEMONEY_ACCESS_KEY=your-access-key --env ONEMONEY_SECRET_KEY=your-secret-key --env ONEMONEY_SANDBOX=1 -- npx -y @1money/mcp

Claude Desktop

Add to your Claude Desktop configuration file:

macOS: ~/Library/Application Support/Claude/claude_desktop_config.json Windows: %APPDATA%\\Claude\\claude_desktop_config.json

{
  "mcpServers": {
    "1money": {
      "command": "npx",
      "args": ["-y", "@1money/mcp"],
      "env": {
        "ONEMONEY_ACCESS_KEY": "your-access-key",
        "ONEMONEY_SECRET_KEY": "your-secret-key",
        "ONEMONEY_SANDBOX": "1"
      }
    }
  }
}

Codex

Add the MCP server to your Codex config file, then restart Codex:

[mcp_servers.1money]
command = "npx"
args = ["-y", "@1money/mcp"]
env = { ONEMONEY_ACCESS_KEY = "your-access-key", ONEMONEY_SECRET_KEY = "your-secret-key", ONEMONEY_SANDBOX = "1" }

Local command

• Production: node dist/index.js
• Development: npm run dev

Pass credentials via environment variables (see below).

Note: ONEMONEY_SECRET_KEY is required for non-sandbox use. When ONEMONEY_SANDBOX=1, the access key is sufficient.

Environment variables

• ONEMONEY_ACCESS_KEY: access key (required)
• ONEMONEY_SECRET_KEY: secret key (required for non-sandbox)
• ONEMONEY_BASE_URL: API base URL (default https://api.sandbox.1money.com)
• ONEMONEY_SANDBOX: sandbox mode (1 or true)
• ONEMONEY_PROFILE: credentials file profile (default default)
• ONEMONEY_TIMEOUT_MS: request timeout in ms (default 30000)

The server also reads ~/.onemoney/credentials with lower priority than env vars.

Example prompts

assets

• "List USD assets for customer cus_123 on US_ACH."

customer

• "Create a TOS link for customer cus_123 and return the session token."
• "Sign the TOS agreement for customer cus_123 using session token tok_123."
• "Create a customer named Jane Doe with email [email protected]."
• "List the first 20 customers."
• "Get customer cus_123."
• "Update customer cus_123 with phone +1-415-555-0100."

customer.associated_persons

• "Create an associated person for customer cus_123 named John Doe."
• "List associated persons for customer cus_123."
• "Get associated person ap_123 for customer cus_123."
• "Update associated person ap_123 for customer cus_123 with phone +1-415-555-0100."
• "Delete associated person ap_123 for customer cus_123."

customer.intermediaries

• "List intermediaries for customer cus_123."
• "Create an intermediary for customer cus_123 named Global Holdings Ltd."
• "Update intermediary int_123 for customer cus_123."

customer.lightweight

• "Create a lightweight individual customer for [email protected]."
• "Get the lightweight customer created with idempotency key lw-001."
• "Get hosted customer cus_123."
• "Create an onboarding link for customer cus_123."
• "Create an onboarding grant for customer cus_123."

external_accounts

• "Create an external account for customer cus_123 on US_ACH."
• "Get external account ext_123 for customer cus_123."
• "Get an external account by idempotency key extacct-001 for customer cus_123."
• "List external accounts for customer cus_123."
• "Remove external account ext_123 for customer cus_123."

instructions

• "Get deposit instructions for customer cus_123 for USDC on ETHEREUM."
• "Create a crypto deposit instruction for customer cus_123 on ETHEREUM."
• "List all crypto deposit instructions for customer cus_123."
• "Get a crypto deposit instruction by idempotency key depinst-001."

conversions

• "Create a conversion quote for customer cus_123 from USD to USDC for 100.00."
• "Create a hedge for conversion quote convq_123."
• "Get conversion order by transaction_id txn_123."

auto_conversion_rules

• "Create an auto conversion rule for customer cus_123 to convert USD to USDC daily."
• "Get auto conversion rule acr_123."
• "Get auto conversion rule by idempotency key acr-001."
• "List auto conversion rules for customer cus_123."
• "Delete auto conversion rule acr_123."
• "List auto conversion rule orders for rule acr_123."
• "Get auto conversion rule order acro_123."

withdrawals

• "Create a withdrawal of $100 USD for customer cus_123 to external account ext_123."
• "Get withdrawal txn_123."
• "Get withdrawal by idempotency key withdrawal-001."

transactions

• "List the last 10 transactions for customer cus_123."
• "Get transaction txn_123."

transfers

• "Create a transfer of 100 USDC from customer cus_123 to customer cus_456."
• "Get transfer txn_123."
• "Get transfer by idempotency key transfer-001."

fees

• "Estimate the withdrawal fee for customer cus_123 for 100 USD on US_ACH."

recipients

• "Update recipient rcp_123 for customer cus_123."
• "Get the recipient attached to external account ext_123 for customer cus_123."
• "Update bank account bank_123 for recipient rcp_123."

simulations

• "Simulate a USDC deposit on ETHEREUM for $50 for customer cus_123."

echo

• "Call echo.get and return the response."
• "Call echo.post with {"hello": "world"}."

API Reference

Input conventions

• Path params are top-level fields (e.g. customer_id, transaction_id)
• Query params are placed under params
• Request bodies are placed under request
• Create flows that support idempotency pass it as request.idempotency_key, which is converted to Idempotency-Key
• *.get_by_idempotency_key tools keep idempotency_key at the top level
• conversions.get_order uses top-level transaction_id

Tools

• assets: assets.list
• customer: customer.create_tos_link, customer.sign_tos_agreement, customer.create, customer.list, customer.get, customer.update
• customer.associated_persons: create, list, get, update, delete
• customer.intermediaries: list, create, get, update, delete
• customer.lightweight: get_by_idempotency_key, create, get
• customer.onboarding_links: create
• customer.onboarding_grants: create
• external_accounts: create, get, get_by_idempotency_key, list, remove
• recipients: recipients.create, recipients.list, recipients.get, recipients.update, recipients.delete, recipients.get_by_idempotency_key, recipients.get_by_external_account
• recipients.bank_accounts: get_by_idempotency_key, create, list, update, delete
• instructions: instructions.get_deposit_instruction
• instructions.crypto: list, get_by_idempotency_key, create, get
• conversions: conversions.create_quote, conversions.create_hedge, conversions.get_order
• auto_conversion_rules: create, get, get_by_idempotency_key, list, delete, list_orders, get_order
• withdrawals: withdrawals.create, withdrawals.get, withdrawals.get_by_idempotency_key
• transactions: transactions.list, transactions.get
• transfers: transfers.get, transfers.get_by_idempotency_key, transfers.create
• fees: fees.estimate
• simulations: simulations.simulate_transaction
• echo: echo.get, echo.post

Schema

• schemas/tools.json is the source JSON Schema for tool inputs.
• schemas/tool-responses.json is the source JSON Schema for tool responses.

Examples

{
  "tool": "assets.list",
  "input": {
    "customer_id": "cus_123",
    "params": {
      "asset": "USD",
      "network": "US_ACH"
    }
  }
}

{
  "tool": "withdrawals.create",
  "input": {
    "customer_id": "cus_123",
    "request": {
      "idempotency_key": "withdrawal-001",
      "amount": "100.00",
      "asset": "USD",
      "network": "US_ACH",
      "external_account_id": "ext_123"
    }
  }
}

Schema generation

schemas/tools.json and schemas/tool-responses.json are the JSON Schema sources. Use json-schema-to-zod to regenerate src/schemas/zod.ts:

npm run generate-schemas

To diff and sync against a fresh OpenAPI file:

npm run openapi:map -- /path/to/swagger.json
npm run openapi:sync -- /path/to/swagger.json
npm run generate-schemas
npm run build