{"id":"frictionlessdev-openbanking-mcp-server","name":"openbanking-mcp-server","homepage":null,"repo_url":"https://github.com/Frictionlessdev/openbanking-mcp-server","category":"ai-ml","subcategories":[],"tags":["mcp","open-banking","json-rpc","spring-boot","payments","oauth","claude-desktop"],"what_it_does":"Provides a Java (Spring Boot) Model Context Protocol (MCP) server that exposes UK Open Banking functionality (AISP account/balance/transactions and PISP payment initiation) to Claude Desktop via an MCP JSON-RPC (tools/list, tools/call) interface over stdio/bridge, with the server calling underlying UK Open Banking APIs using OAuth credentials.","use_cases":["Chat-driven retrieval of UK bank accounts, balances, and transaction history via MCP tools","Natural-language initiation of domestic GBP payments (with confirmation and access token)","Building agent workflows around Open Banking data access and payment initiation"],"not_for":["Production-ready payment processing without additional security hardening, testing, and operational controls","Use without proper OAuth access tokens and bank developer credentials","Highly regulated auditing/traceability requirements unless additional logging/compliance evidence is added"],"best_when":"You want to integrate UK Open Banking capabilities into an agent UI (Claude Desktop) using MCP tool discovery and invocation.","avoid_when":"You need a fully standardized REST/SDK experience with explicit OpenAPI specs, or you require clear guarantees about idempotency, error codes, and operational reliability.","alternatives":["Use a direct Open Banking API integration (bank-specific/aggregator SDKs) and build your own MCP layer","Use existing Open Banking aggregation platforms with documented APIs/SDKs and wrap them in MCP","Build an MCP server that proxies to a dedicated internal API gateway for Open Banking"],"af_score":46.8,"security_score":47.5,"reliability_score":17.5,"package_type":"mcp_server","discovery_source":["github"],"priority":"low","status":"evaluated","version_evaluated":null,"last_evaluated":"2026-04-04T20:02:06.300096+00:00","interface":{"has_rest_api":true,"has_graphql":false,"has_grpc":false,"has_mcp_server":true,"mcp_server_url":"http://localhost:8081/mcp (per README env and curl example; actual exposed HTTP endpoint appears to be 8080 in other sections)","has_sdk":false,"sdk_languages":[],"openapi_spec_url":null,"webhooks":false},"auth":{"methods":["OAuth2 (via OPENBANKING_CLIENT_ID/OPENBANKING_CLIENT_SECRET/redirect URI to obtain access token; tool calls require access_token parameter per README)"],"oauth":true,"scopes":false,"notes":"README indicates OAuth redirect URI configuration and that MCP tool calls require an OAuth access_token argument. No explicit scope model is described in the provided content."},"pricing":{"model":null,"free_tier_exists":false,"free_tier_limits":null,"paid_tiers":[],"requires_credit_card":false,"estimated_workload_costs":null,"notes":"Self-hosted open-source style project (no pricing described in README content provided). Open Banking API usage costs, if any, would be bank/partner-specific and not documented here."},"requirements":{"requires_signup":false,"requires_credit_card":false,"domain_verification":false,"data_residency":[],"compliance":[],"min_contract":null},"agent_readiness":{"af_score":46.8,"security_score":47.5,"reliability_score":17.5,"mcp_server_quality":55.0,"documentation_accuracy":55.0,"error_message_quality":0.0,"error_message_notes":null,"auth_complexity":45.0,"rate_limit_clarity":0.0,"tls_enforcement":70.0,"auth_strength":60.0,"scope_granularity":20.0,"dependency_hygiene":30.0,"secret_handling":50.0,"security_notes":"README describes OAuth client credentials and suggests environment variables, which is better than hardcoding. However, no details are provided about token handling, secure storage, TLS enforcement, logging/PII redaction, webhook signatures, or fine-grained scopes. Payment initiation lacks documented idempotency and safety controls.","uptime_documented":0.0,"version_stability":40.0,"breaking_changes_history":0.0,"error_recovery":30.0,"idempotency_support":"false","idempotency_notes":"No idempotency strategy is documented for payment initiation (initiate_payment). Agents could retry on failures and potentially create duplicate payments unless the underlying Open Banking API enforces idempotency or the integration adds safeguards.","pagination_style":"none","retry_guidance_documented":false,"known_agent_gotchas":["Payment initiation likely requires explicit human confirmation; README suggests confirmation but does not enforce it structurally.","Tool calls require a valid OAuth access_token provided in tool arguments; agent must manage token lifecycle out-of-band.","Port/integration details are inconsistent in README (mcp URL uses 8081 in curl example and 8080 in Postman/testing sections), which can cause connection failures for agents.","No clear guidance on rate limits, backoff, or safe retry behavior is provided."]}}