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Copiloto Financeiro MCP Server

Enables AI agents to manage personal finances for Brazilian users through MCP tools, including categorizing transactions, reconciling debts, checking cash-flow projections, and adjusting budgets, with integration to Open Finance Brasil via Pluggy.

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// key findings
No credential exfiltration, no sensitive file access, no obfuscation
Static analysis found nothing flowing your secrets to unexpected places.
🔐
You'll be asked for 3 credentials: PLUGGY_CLIENT_SECRET, PUSHOVER_APP_TOKEN, SMTP_PASS
These are read from process.env at runtime. Make sure you trust where they’ll be sent.
// required environment variables
This server reads these from process.env. You'll be asked to provide them before it can run.
configCRON_SCHEDULE(default 0 6 ) — when the daily sync runs.
configDB_PATHPORT (default 3000) / (default ./data/budget.sqlite).
configLARGE_TRANSACTION_THRESHOLD(default 500) — notification rule: flag any newly
configMIN_BUFFER(default 0) — balance floor below which a projected month is
configPLUGGY_CLIENT_ID/ PLUGGY_CLIENT_SECRET / PLUGGY_ITEM_IDS are a one-time
🔐 secretPLUGGY_CLIENT_SECRETPLUGGY_CLIENT_ID / / PLUGGY_ITEM_IDS are a one-time
configPLUGGY_ITEM_IDSPLUGGY_CLIENT_ID / PLUGGY_CLIENT_SECRET / are a one-time
configPORT(default 3000) / DB_PATH (default ./data/budget.sqlite).
🔐 secretPUSHOVER_APP_TOKEN/ SMTP_HOST + friends — only needed if you want push
configSMTP_FROMEmail — set SMTP_HOST/SMTP_PORT/SMTP_USER/SMTP_PASS/ (one relay
configSMTP_HOSTPUSHOVER_APP_TOKEN / + friends — only needed if you want push
🔐 secretSMTP_PASSEmail — set SMTP_HOST/SMTP_PORT/SMTP_USER//SMTP_FROM (one relay
configSMTP_PORTEmail — set SMTP_HOST//SMTP_USER/SMTP_PASS/SMTP_FROM (one relay
configSMTP_USEREmail — set SMTP_HOST/SMTP_PORT//SMTP_PASS/SMTP_FROM (one relay
// full audit trail
The full breakdown of what we checked, the deductions that landed, the network hosts, the dependency advisories, and concrete fix guidance is available to verified publishers.
// improvement guidance — verified publishers only
We have 7 concrete improvements we can share with the publisher of this MCP. Each comes with specific guidance to raise the trust score.
// embed badge in your README
[![M8ven Score](https://m8ven.ai/badge/mcp/botelho31-copiloto-financeiro-1k189o)](https://m8ven.ai/mcp/botelho31-copiloto-financeiro-1k189o)
commit: 25fb382fa35631dc4aa1754a470bf87c1e961c73
code hash: 00f437660a54b552c2d1c70173c71c8b73d41c115a4875135567f8b9d913c0c1
verified: 7/14/2026, 8:29:18 AM
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