Koko Mcp Server — independently scanned and version-tracked by SaferSkills.
SaferSkills independently audited Koko Mcp Server (MCP Server) and scored it 100/100 (green). The audit ran 55 deterministic rules across Security, Supply Chain, Maintenance, Transparency, and Community; it found 0 high-severity and 0 lower-severity findings. The full rule-by-rule trace and per-finding evidence are below. Free, methodology-open.
Findings & checks · 0 flagged
Every scanned point with the score it earned and what moved between them.
First recorded scan — no prior version to compare against.
The primary manifest — the file an agent reads to learn what this artifact does.
A hosted MCP server for AI-powered credit card advice. Search 100+ US credit cards, compare options side by side, analyze portfolio health, and get personalized recommendations — all through the Model Context Protocol.
Server URL: https://kokofinance.net/mcp/
No API key required. No local installation needed. Just connect your MCP client.
Add to ~/Library/Application Support/Claude/claude_desktop_config.json (macOS) or %APPDATA%\Claude\claude_desktop_config.json (Windows):
{
"mcpServers": {
"koko-finance": {
"type": "http",
"url": "https://kokofinance.net/mcp/"
}
}
}claude mcp add koko-finance --transport http https://kokofinance.net/mcp/Or copy the .mcp.json from this repo into your project.
Go to Settings > MCP and add a new server:
https://kokofinance.net/mcp/Add to your MCP settings file:
{
"mcpServers": {
"koko-finance": {
"type": "http",
"url": "https://kokofinance.net/mcp/"
}
}
}| Tool | Description |
|---|---|
search_credit_cards | Natural language search across 100+ US credit cards. Optional filters: card_type, issuer, max_annual_fee, credit_tier |
compare_cards | Side-by-side comparison of 2-3 cards with fees, rewards, net value, and break-even. Optional: credit_tier, primary_goal, issuer_preferences (<100ms) |
get_card_details | Full details for a specific card (fees, rewards, benefits) |
calculate_card_value | Annual fee break-even analysis with first-year and ongoing value |
optimize_portfolio | Portfolio health score, per-card KEEP/OPTIMIZE/CANCEL verdicts. Optional: point_balances, benefit_selections, credit_tier, primary_goal, issuer_preferences, analysis_type, cancel_threshold, keep_threshold (<100ms) |
recommend_card_for_category | Best card to use for a specific spending category, ranked by reward value. Optional: spending, credit_tier, primary_goal, issuer_preferences (<100ms) |
check_card_renewal | Should you renew this card? Verdict + downgrade/replacement options. Optional: benefit_selections, acquired_date, credit_tier, primary_goal, renewal_cancel_threshold, renewal_keep_threshold |
create_mcp_session | Session tracking for multi-query conversations |
which_card_at_merchant | Best card from your portfolio at a specific merchant. Auto-detects spending category (e.g. Starbucks → dining) and ranks by reward value |
check_merchant_benefits | Check if any cards have credits at a merchant (e.g. Saks → Amex Platinum $100 credit). Includes earning recommendation |
get_card_benefits | All credits/benefits for a card with value, frequency, schedule, and conditions |
get_card_terms | Schumer Box data — purchase APR, penalty APR, late fees, cash advance fees, promotional APR, grace period |
get_card_changes | Audit log of card data changes (fee updates, benefit changes) with date filtering. Optional: field filter |
get_program_trends | Points program valuation history — CPP and transfer partner ratio changes over time |
Several tools accept optional parameters that improve result relevance. All are optional — when omitted, the server uses sensible defaults (e.g., national average spending, no issuer bias).
credit_tierCredit score range that affects card eligibility and approval likelihood.
| Value | Meaning |
|---|---|
"excellent" | 750+ |
"good" | 700-749 |
"fair" | 650-699 |
"poor" | Below 650 |
Used by: search_credit_cards, compare_cards, optimize_portfolio, recommend_card_for_category, check_card_renewal
primary_goalThe user's main objective for their credit card strategy.
| Value | Meaning |
|---|---|
"maximize_rewards" | Get the most points/cashback from everyday spending |
"minimize_fees" | Keep annual fees low while maintaining value |
"build_credit" | Establish or improve credit score |
"travel_perks" | Prioritize lounge access, travel credits, and transfer partners |
"simplicity" | Prefer fewer cards with straightforward reward structures |
Used by: compare_cards, optimize_portfolio, recommend_card_for_category, check_card_renewal
issuer_preferencesA list of issuer preference objects that express affinity or aversion toward specific card issuers. Each entry has an issuer name and a weight between -1.0 (strong aversion) and 1.0 (strong preference).
[
{"issuer": "Chase", "weight": 0.8},
{"issuer": "American Express", "weight": 0.5},
{"issuer": "Capital One", "weight": -0.5}
]Used by: compare_cards, optimize_portfolio, recommend_card_for_category
spendingA dictionary of monthly spending amounts by category, used to calculate personalized reward values instead of national averages.
{"dining": 500, "groceries": 800, "travel": 300, "gas": 150, "general": 2000}Used by: compare_cards, optimize_portfolio, recommend_card_for_category, check_card_renewal, calculate_card_value
cancel_threshold / keep_thresholdOverride the default net-value thresholds (in dollars) for KEEP/OPTIMIZE/CANCEL verdicts.
cancel_threshold — Cards below this → CANCEL (default: -50)keep_threshold — Cards above this → KEEP (default: 50)Used by: optimize_portfolio
renewal_cancel_threshold / renewal_keep_thresholdSame concept applied to a single card's renewal decision.
Used by: check_card_renewal
acquired_dateDate the user acquired the card (YYYY-MM-DD). Informs tenure-based renewal analysis.
Used by: check_card_renewal
Calculation tools include metadata fields in responses:
"user_provided" or "national_averages". Indicates whether calculations used user-supplied spending or BLS national averages."koko_db").Pre-built conversation starters that guide the AI through structured workflows:
| Prompt | Description | Parameters |
|---|---|---|
portfolio-review | Full portfolio analysis with health score and verdicts | card_names, monthly_spending (optional) |
which-card | Find the best card for a specific purchase | card_names, category, amount (optional) |
new-card-finder | Search for a new card matching your criteria | spending_focus, annual_fee_limit (optional), credit_score (optional) |
renewal-check | Walk through a card renewal decision step by step | card_name, annual_fee (optional) |
card-risk-assessment | Analyze a card's risk profile — APR exposure, penalty triggers, fee traps | card_name, issuer (optional) |
The optimize_portfolio and check_card_renewal tools accept a benefit_selections parameter — a list of individual benefit keys the user actually uses. Selected benefits count at 100% utilization; unselected benefits count at 0%.
benefit_selections: ["uber", "airline_fee", "dining", "admirals_club"]This gives accurate net-value calculations instead of the default 50% utilization estimate.
Discover valid keys by calling the REST endpoint GET https://kokofinance.net/api/v1/benefit-categories (no auth required), or see the developer docs.
"Review my portfolio"
I have a Chase Sapphire Reserve, Amex Gold, and Citi Double Cash. Analyze my portfolio and tell me which cards are worth keeping.
"Which card should I use?"
I'm buying $200 in groceries. I have an Amex Gold, Chase Freedom Unlimited, and Citi Custom Cash. Which card should I use?
"Find me a new card"
I spend a lot on travel and dining. I want a card under $300 annual fee with a good sign-up bonus. What do you recommend?
"Should I renew my Amex Platinum?"
I only use the Uber credit and airline fee credit on my Amex Platinum. Is it still worth paying the $695 annual fee?
"Which card at Starbucks?"
I'm buying coffee at Starbucks. I have a Chase Sapphire Reserve, Amex Gold, and Citi Double Cash. Which card earns the most?
"Do I have any credits at Saks?"
I'm shopping at Saks Fifth Avenue. Do any of my cards have credits there? I have an Amex Platinum and Chase Sapphire Reserve.
"What benefits does my Amex Platinum have?"
Show me all the credits and benefits on my Amex Platinum card — how much is each worth?
Screenshots captured from Claude using the KoKo Finance MCP server.
"Find me the best travel credit cards under $300 annual fee"
Search travel cards
"Compare Chase Sapphire Reserve and Amex Gold"
Compare cards — part 1 Compare cards — part 2
"Analyze my portfolio: Chase Sapphire Reserve, Amex Gold, Citi Double Cash"
Portfolio review — part 1 Portfolio review — part 2
"Which card should I use at Starbucks?"
Which card at merchant
"Show me all the credits and benefits on my Amex Platinum"
Card benefits — part 1 Card benefits — part 2
KoKo Finance collects minimal data required to operate the MCP server:
Full privacy policy: https://kokofinance.net/privacy.html
MIT
~30 seconds. Free. No account. Every finding cites a rule and a line of evidence.