Fi MCP

Fi MCP

Fi MCP is a developer-oriented, secure, and real-time interface that lets you connect your entire financial life—including assets, liabilities, and cash—directly to AI assistants such as Claude, Cursor, or Windsurf. With Fi MCP, you can query your net worth, analyze your portfolio, and automate financial monitoring using AI, all with strong privacy controls and up-to-date data sourced from your own accounts.


View Protocol

What is Fi MCP?

Fi MCP is a programmable context protocol for personal finance, built atop Fi Money's Net Worth feature. It creates a real-time, unified data stream of your financial life—including mutual funds, stocks, loans, credit cards, and government instruments—and makes this live data accessible to AI-powered tools through a secure, standards-based interface. Unlike traditional, static dashboards, Fi MCP allows you to interact dynamically with your entire net worth from any MCP-compatible AI assistant.

How to Configure Fi MCP

  1. Download the Fi Money App: Install the app and link all your financial accounts (mutual funds, stocks, bank balances, loans, PFs, etc.) in the Net Worth Tracker tab.

  2. Install an MCP-compatible Client: Make sure you have the latest desktop version of an AI assistant like Claude Desktop, Cursor, or Windsurf.

  3. Add Fi MCP to Your Configuration:

    • Claude (Desktop):
      • Install Node.js and verify it via terminal.
      • Run npm install npx.
      • Go to Settings > Developer > Add/Edit Config and paste: 
        {
  "mcpServers": {
    "fi_mcp": {
      "command": "npx",
      "args": ["mcp-remote", "https://mcp.fi.money:8080/mcp/stream"]
    }
  }
}
      • Restart the client app.
    • Cursor/Windsurf (Desktop):
      • Go to Settings > Tools & Integrations > Add Custom MCP.
      • Paste: 
        {
  "mcpServers": {
    "fi_mcp": {
      "url": "https://mcp.fi.money:8080/mcp/stream"
    }
  }
}
      • Save and restart the AI assistant.

  4. Authenticate: On your first query, enter your Fi-registered phone number, generate a Passcode via the Fi app (Net Worth Dashboard > Talk to AI > Get Passcode), and input it into your client. Passcode is valid only for 30 minutes.

How to Use Fi MCP

  1. After setup and authentication, you can start asking the AI assistant natural language questions related to your finances—for example:
    • "How has my net worth changed over the past 6 months?"
    • "Which fund is my worst performer in 2024?"
  2. The AI will access your real-time financial data securely through Fi MCP and respond with personalized, up-to-date insights.
  3. You can continuously query for analyses, simulate goals, flag anomalies, compare returns, or receive spending and saving advice, treating your finances as a live data API through your AI assistant.

Key Features

  • Unified Financial View: Combines all your assets, liabilities, cash, and investments in one real-time interface.
  • Secure by Design: Data is encrypted, passcode-protected, and never shared with AI assistants beyond your explicit consent. Token-based access is short-lived (30 minutes).
  • Personalized AI Integration: Ask custom questions about your net worth, investments, and financial goals, and receive tailored analyses from your favorite MCP-compliant AI tools.
  • Actionable Insights: Identify underperforming assets, excess expenses, idle cash, or simulate goal progress via intelligent queries.
  • Automations and Real-Time Monitoring: Build custom alerts, automatic checks, or create dashboards that update as your finances do.
  • Privacy and Control: You choose what data to connect, retain full ownership, and can revoke access anytime.

Use Cases

  • Portfolio Analysis: Track performance over time, detect worst-performing funds, or benchmark returns across asset classes.
  • Spending and Savings Advice: Ask for strategies to increase your credit score or identify unnecessary leakages and idle cash.
  • Goal Simulation: Model progress towards specific financial outcomes, like saving ₹1 crore by 2032.
  • Automated Alerts: Set up triggers or receive notifications for unusual activity or optimization opportunities.
  • Dashboard Composition: Program personalized, real-time dashboards for investments, liabilities, and cash flow.

Frequently Asked Questions

Q: What is Fi MCP?
A: Fi MCP is India's first Model Context Protocol-powered personal finance integration, allowing you to plug your entire financial data—including investments, loans, and assets—into AI assistants for real-time, AI-powered queries and insights.

Q: Is Fi MCP secure?
A: Yes, Fi MCP employs HTTPS/TLS encryption, passcode-authentication, short-lived access tokens, and strict scopes to ensure your data remains private and protected. Authentication occurs securely via the Fi app, and your credentials are never exposed externally.

Q: Who can use Fi MCP?
A: Fi MCP is designed for developers, automation enthusiasts, and power users comfortable with configuring AI assistants and developer tools like Claude, Cursor, or Windsurf.

Q: What kinds of financial data are available?
A: The protocol provides access to mutual fund holdings, Indian/US stocks, loans, credit cards, bank balances, government instruments (EPF, NPS), FDs, real estate, gold, ESOPs, and soon, expenses across accounts.

Q: How do I authenticate and is the access permanent?
A: Access is granted via a Passcode from the Fi app, valid only for 30 minutes. You can revoke access at any time; data is never accessible without your explicit, recurring authorization.