{"version":"1.0.0","protocol":"MCP","tools":{"get-accounts":{"name":"get-accounts","description":"Get bank accounts and cards. Returns a list of accounts with balances, account numbers, and types.","inputSchema":{"type":"object","properties":{"only_withdrawal_accounts":{"type":"boolean","description":"Filter to only withdrawal-capable accounts","default":false},"account_type":{"type":"string","description":"Filter by account type","enum":["Current","Savings","Credit"]}},"required":[]}},"transactions":{"name":"transactions","description":"Get bank transactions. Returns a list of transactions with amounts, dates, descriptions, and categories.","inputSchema":{"type":"object","properties":{"count":{"type":"integer","description":"Maximum number of transactions to return"},"type":{"type":"string","description":"Transaction type filter","enum":["Any","Income","Expenses","Savings"],"default":"Any"},"order":{"type":"string","description":"Sort order for transactions","enum":["NewestFirst","OldestFirst"],"default":"NewestFirst"},"start_date":{"type":"string","description":"Start date filter (ISO format: YYYY-MM-DD)"},"end_date":{"type":"string","description":"End date filter (ISO format: YYYY-MM-DD)"},"description":{"type":"string","description":"Search text to filter transactions by description"}},"required":[]}},"recipients-by-name":{"name":"recipients-by-name","description":"Lookup recipient of a payment or transfer by name. Returns matching recipients with their account details.","inputSchema":{"type":"object","properties":{"name":{"type":"string","description":"Name to search for"}},"required":["name"]}},"transfer-money-icelandic":{"name":"transfer-money-icelandic","description":"Prepare an Icelandic domestic money transfer. Validates recipient and prepares transfer details for confirmation.","inputSchema":{"type":"object","properties":{"amount":{"type":"number","description":"Amount to transfer"},"recipient_ssn":{"type":"string","description":"Recipient's social security number (kennitala)"},"recipient_account_number":{"type":"string","description":"Recipient's bank account number"},"description":{"type":"string","description":"Transfer description/reference","default":""},"withdrawal_account_number":{"type":"string","description":"Account to withdraw from (uses default if not specified)","default":""},"currency":{"type":"string","description":"Currency code","default":""}},"required":["amount","recipient_ssn","recipient_account_number"]}},"execute-transfer":{"name":"execute-transfer","description":"Execute a money transfer after the user has confirmed the details. Use transfer-money-icelandic first to prepare and validate, then call this tool once the user approves.","inputSchema":{"type":"object","properties":{"withdrawal_account_id":{"type":"string","description":"Source account ID to withdraw from"},"recipient_account_number":{"type":"string","description":"Destination account number"},"amount":{"type":"number","description":"Amount to transfer in ISK"},"description":{"type":"string","description":"Transfer description/reference","default":"Millifærsla"}},"required":["withdrawal_account_id","recipient_account_number","amount"]}},"create-recipient":{"name":"create-recipient","description":"Create a new payment recipient (viðtakandi) with their name, account number, and kennitala (social security number). The recipient can then be used for transfers.","inputSchema":{"type":"object","properties":{"name":{"type":"string","description":"Recipient's full name"},"account_number":{"type":"string","description":"Recipient's bank account number (format: BBBB-LL-NNNNNN)"},"kennitala":{"type":"string","description":"Recipient's kennitala (Icelandic national ID, format: DDMMYY-NNNN)","default":""}},"required":["name","account_number"]}},"get-categories":{"name":"get-categories","description":"Get transaction categories. Returns a list of categories that transactions can be classified into. Useful for understanding spending patterns and categorization.","inputSchema":{"type":"object","properties":{},"required":[]}},"spending-summary":{"name":"spending-summary","description":"Get an aggregated spending summary. Returns totals, counts, and averages grouped by category, category group, month, or merchant. Use this instead of fetching all transactions when the user asks about spending patterns, top expenses, or monthly trends.","inputSchema":{"type":"object","properties":{"group_by":{"type":"string","description":"How to group the spending data","enum":["category","group","month","merchant"],"default":"category"},"start_date":{"type":"string","description":"Start date filter (ISO format: YYYY-MM-DD)"},"end_date":{"type":"string","description":"End date filter (ISO format: YYYY-MM-DD)"}},"required":[]}},"get-unpaid-bills":{"name":"get-unpaid-bills","description":"Get the user's unpaid Icelandic bills (kröfur / Ógreiddir reikningar) with status, due dates, amounts, and a summary. Use this when the user asks about pending bills, what they owe, or whether anything is overdue. Bills marked auto_pay=true are informational only — do not offer to pay them, they settle automatically on gjalddagi.","inputSchema":{"type":"object","properties":{"status_filter":{"type":"string","description":"Comma-separated list of statuses: unpaid, overdue, scheduled, paid, cancelled. Default: 'unpaid,overdue'.","default":"unpaid,overdue"},"due_within_days":{"type":"integer","description":"Only return bills due within N days from today."},"limit":{"type":"integer","description":"Max number of bills to return (default 25, max 50).","default":25}},"required":[]}},"pay-bill":{"name":"pay-bill","description":"Prepare a bill payment for confirmation. Validates the bill exists, isn't already settled, and that the chosen source account has enough funds. Returns the prepared payment details — the user must explicitly confirm before execute-bill-payment is called.","inputSchema":{"type":"object","properties":{"bill_id":{"type":"string","description":"ID of the bill (krafa) to settle."},"from_account_id":{"type":"string","description":"Account to debit. Optional; defaults to the user's default checking account.","default":""}},"required":["bill_id"]}},"execute-bill-payment":{"name":"execute-bill-payment","description":"Execute a bill (krafa) payment after the user has confirmed. Use pay-bill first to prepare and validate, then call this tool once the user explicitly approves.","inputSchema":{"type":"object","properties":{"bill_id":{"type":"string","description":"ID of the bill (krafa) to settle."},"from_account_id":{"type":"string","description":"Account to debit (must belong to the user)."}},"required":["bill_id","from_account_id"]}}}}