pane-mcp

# Pane MCP

Access a user's linked financial accounts via [Pane](https://pane.money), a hosted MCP server powered by Plaid. Query bank accounts, transactions, balances, spending summaries, recurring payments, investments, liabilities, and crypto holdings. Write persistent annotations to remember context across conversations.

## Setup

The user must have a Pane account with linked financial accounts and an API key from [pane.money/dashboard/connect](https://pane.money/dashboard/connect).

Set the `PANE_API_KEY` environment variable (do not paste the key directly into shell commands):

```bash
# Add to your shell profile (.zshrc, .bashrc, etc.)
export PANE_API_KEY="pane_sk_live_..."
```

Then configure mcporter:

```bash
# Add Pane as an MCP server using the env var
mcporter config add pane --url https://mcp.pane.money --header "Authorization: Bearer $PANE_API_KEY"

# Verify connection
mcporter list pane --schema
```

## Tools

### Financial data (read-only)

**get_accounts** — List linked accounts with balances

```bash
mcporter call pane.get_accounts type=all
mcporter call pane.get_accounts type=checking
```

**get_transactions** — Search and filter transactions

```bash
mcporter call pane.get_transactions search=Starbucks limit:50
mcporter call pane.get_transactions category=FOOD_AND_DRINK start_date=2026-01-01 end_date=2026-01-31
mcporter call pane.get_transactions account_id=<uuid> min_amount:50
```

Parameters: `account_id` (UUID), `start_date`/`end_date` (YYYY-MM-DD), `category` (Plaid category), `search` (max 200 chars), `min_amount`/`max_amount`, `limit` (1-500, default 50), `offset`.

**get_balances** — Current balances with net worth summary (triggers live Plaid refresh)

```bash
mcporter call pane.get_balances type=all
```

Returns per-account balances plus summary: `total_cash`, `total_credit_debt`, `total_investments`, `total_loans`, `total_crypto`, `net_worth`.

**get_spending_summary** — Spending grouped by category, merchant, week, or month

```bash...