refinancier-mcp

MCP client for refinancier — Trust Infrastructure for Uncertain Assets Decision-grade enterprise valuation, causal inference, and value-up recommendations for AI agents.

English | 日本語 README

Status

This package is the client-side MCP wrapper for refinancier-banks. It exposes refinancier's decision-intelligence APIs (enterprise valuation, anomaly detection, value-up recommendations, causal inference, compliance) to AI agents via the Model Context Protocol, on top of the refinancier Partner API v1.

v0.1.0 (2026-09): 6 tools live. An API key is required — every call is authenticated, scoped, rate-limited per key, and recorded in the tenant's audit trail.

Issue a key at https://refinancier-banks.com/admin/api-keys (tenant admin). Contact [email protected] if you do not have an account.

Why refinancier-mcp?

| Capability | What it does | |------------|--------------| | Enterprise valuation | Multi-method (PER/PSR/DCF/Asset) + intangible asset premium + 100% reproducible | | Anomaly timeline | 10-year financial + EDINET + TDB + news fused into one timeline (4 anomaly types) | | Scenario simulation | What-if + counterfactual reasoning via Do-calculus | | Value-up recommendations | Investment committee one-pager: top issues, value drivers, do/wait/dont actions | | XAI audit trail | SHA-256 hash chain + Neo4j; AI decisions are fully replayable and tamper-proof |

Designed for Japanese regional banks, M&A intermediaries, PE funds, and strategy departments of operating companies — anywhere uncertainty must be translated into auditable decisions.

Quick Start

Claude Desktop / Claude Code

Add to your MCP configuration (~/Library/Application Support/Claude/claude_desktop_config.json):

{
  "mcpServers": {
    "refinancier": {
      "command": "npx",
      "args": ["-y", "refinancier-mcp"],
      "env": {
        "REFINANCIER_API_KEY": "rfn_live_your_api_key"
      }
    }
  }
}

Note for nvm users: if your PATH prioritizes an older Node.js (< v14) over a newer one, specify the absolute path:

"command": "/Users/YOUR_NAME/.nvm/versions/node/v22.x.x/bin/npx",
"env": {
  "PATH": "/Users/YOUR_NAME/.nvm/versions/node/v22.x.x/bin:/usr/local/bin:/usr/bin:/bin",
  "REFINANCIER_API_KEY": "rfn_live_..."
}

From Source

git clone https://github.com/rascal-3/refinancier-mcp.git
cd refinancier-mcp
npm install
npm start

API Keys

API keys (rfn_live_* / rfn_test_*) are issued by a tenant admin at https://refinancier-banks.com/admin/api-keys. The plaintext key is shown once at creation. Keys are stored hashed (SHA-256) on the server.

| Tool | Required scope | |------|----------------| | valuate_company | evaluation:run | | get_anomaly_timeline | anomaly:run | | run_scenario, build_causal_dag | causal:run | | check_compliance | compliance:run | | get_recommended_actions | value_up:run |

A key created with the evaluate permission covers all of the above. Fine-grained scopes can be selected at creation for least privilege. Contract (endpoints, scopes, errors, webhooks): GET https://refinancier-banks.com/api/v1/partner/contract.

Self-check

REFINANCIER_API_KEY=rfn_live_... npx -y refinancier-mcp --check auth   # whoami only (fast)
REFINANCIER_API_KEY=rfn_live_... npx -y refinancier-mcp --check        # whoami + all 6 tools (~1-2 min, calls the LLM)

Errors

| HTTP | error | Meaning | |------|---------|---------| | 401 | unauthorized / invalid_api_key / api_key_revoked / api_key_expired | Fix or re-issue the key | | 403 | insufficient_scope | The key lacks the required scope (required_scope / granted_scopes are included) | | 429 | rate_limited | Per-key hourly/daily limit; the client retries once if Retry-After ≤ 10 s |

Tools (planned)

| Tool | Description | |------|-------------| | valuate_company | Multi-method enterprise valuation with reproducibility guarantee | | get_anomaly_timeline | Detect financial / governance / execution / strategic anomalies over time | | run_scenario | What-if scenario simulation (optimistic / base / pessimistic) | | get_recommended_actions | Value-up recommendations with do / wait / dont classification | | build_causal_dag | Generate causal DAG explaining enterprise value drivers | | check_compliance | Compliance Copilot: regulation-aware risk assessment |

Pricing announced at GA.

Architecture

┌─────────────────────────────────────────────┐
│         AI Agent (Claude / GPT / ...)       │
└─────────────────────┬───────────────────────┘
                      │ MCP (stdio)
┌─────────────────────▼───────────────────────┐
│   refinancier-mcp (this package)            │
│   - MCP protocol handler                    │
│   - API key auth                            │
│   - Tool definitions                        │
└─────────────────────┬───────────────────────┘
                      │ HTTPS (REST)
┌─────────────────────▼───────────────────────┐
│   refinancier-banks.com (backend)           │
│   - Causal AI + XAI                         │
│   - PostgreSQL + Neo4j Aura                 │
│   - Azure OpenAI GPT-5.4                    │
│   - SHA-256 audit trail                     │
└─────────────────────────────────────────────┘

The client-side wrapper is intentionally thin: it translates MCP tool calls into HTTPS requests against the refinancier API. All heavy lifting (causal inference, evaluation, audit trail) happens server-side, behind FISC-compliant security controls.

This mirrors the design of our sibling product chainanalyzer-mcp, which exposes multi-chain AML scoring as MCP tools backed by chain-analyzer.com.

License

MIT. Server-side data and AI models are proprietary to refinancier.

Contact

• Product: refinancier-banks.com
• Email: [email protected]
• Sibling product: chainanalyzer-mcp