Pane MCP

Quick start

Pane exposes 11 tools and 3 resources. Start by reading the pane://profile resource to understand the user's financial overview, then use tools to drill into specifics.

Typical first interaction:

1. Read pane://profile for account summary, net worth, top spending categories
2. Use get_accounts to see all linked accounts with balances
3. Use specific tools based on the user's question

Available tools

Financial data (read-only)

Annotations (read/write)

For complete parameter schemas and return types, see references/tools.md.

Available resources

For response formats, see references/resources.md.

Privacy scopes

Each linked account has a privacy scope that controls what data is visible. Respect these — the server enforces them automatically, but understanding them helps you set expectations:

If get_transactions returns an empty array for an account that exists in get_accounts, it's likely privacy-scoped to balances_only or hidden. Don't tell the user their data is missing — it's intentionally restricted.

Rate limits

• 30 requests per minute, 1,000 requests per day per user
• Rate limit headers: X-RateLimit-Remaining, X-RateLimit-Reset
• If rate limited, the error includes retry timing — wait before retrying

Be efficient with tool calls. Batch related questions rather than making many small requests.

Annotations

Annotations are persistent notes that you (the model) can write to enrich the user's financial data. They appear alongside relevant data in future tool calls.

Scopes

When to write annotations

• When the user tells you something about their finances that would be useful context in future conversations (e.g., income sources, budget targets, account purposes)
• When you identify patterns worth remembering (e.g., "subscription to X seems unused")
• When the user explicitly asks you to remember something

When NOT to write annotations

• Don't annotate routine observations — only persist genuinely useful context
• Don't duplicate information already in the financial data
• Keep annotations concise (max 2,000 characters)

Profile annotations appear in the pane://profile resource, so future conversations start with this context automatically.

Common patterns

Net worth overview

1. get_balances (type: "all")
   → Returns balances + summary with total_cash, total_credit_debt,
     total_investments, total_loans, net_worth

Monthly spending breakdown

1. get_spending_summary (period: "this_month", group_by: "category")
   → Groups with name, total, count, percentage
2. For merchant-level detail:
   get_spending_summary (period: "this_month", group_by: "merchant")

Subscription audit

1. get_recurring (type: "subscriptions")
   → Returns subscriptions with merchant, frequency, averageAmount
   → total_monthly_subscriptions gives the monthly total

Transaction search

1. get_transactions (search: "Starbucks", start_date: "2025-01-01")
   → Free-text search across merchant names and descriptions
2. get_transactions (category: "FOOD_AND_DRINK", min_amount: 50)
   → Category + amount filtering

Spending period shortcuts

Use the period parameter in get_spending_summary instead of manual date math:

Remembering user context

1. write_annotation (scope: "profile", content: "Monthly budget target: $4,000. Saving for house down payment.")
2. write_annotation (scope: "merchant", target_id: "WeWork", content: "Business expense — coworking space")
3. write_annotation (scope: "account", target_id: "<account-uuid>", content: "Joint account with partner")

For advanced workflow patterns, see references/workflows.md.

Key behaviors

• Dates: All date parameters use YYYY-MM-DD format, UTC-based
• Amounts: Transaction amounts are positive for debits (spending) and negative for credits (income)
• Pagination: get_transactions defaults to 50 results (max 500). Use offset for pagination
• Balance refresh: get_balances triggers a live refresh from Plaid before returning data
• Caching: Investments cache 15 min, liabilities 1 hour, recurring 24 hours — data may be slightly stale
• Categories: Plaid categories like FOOD_AND_DRINK, TRANSPORTATION, ENTERTAINMENT, RENT_AND_UTILITIES — use the exact string when filtering
• Currency: Multi-currency accounts include a note in the balance summary; net worth is approximate when multiple currencies are present
• Errors: Tool errors return { isError: true } with a message. Common: rate limits (wait and retry), subscription inactive (402), crypto not enabled

References

• Complete tool reference — All parameters, return types, and constraints
• Resource reference — Response formats for all three resources
• Privacy and rate limits — Detailed privacy scope behavior and rate limiting
• Workflow patterns — Multi-step workflows for common financial analysis tasks