open-banking-io MCP Server (open-banking-io/mcp-server) is an MCP server listed on the M8ven Trust Index. It scores 74 out of 100, grade C. It declares 4 tools. No publisher has claimed this listing.

Back to MCP Trust IndexM8ven
C
Emerging
74/100
16 days ago

open-banking-io MCP Server

A read-only MCP server for the open-banking.io PSD2 API that lets AI agents query personal bank balances and transactions via natural language, with zero-knowledge encryption ensuring all sensitive data is decrypted in-process and never exposed to third parties.

→ open-banking-io/mcp-server· listed on glama

Emerging. No concerning findings. Grades remain capped until the project builds reputation through adoption. Grades reflect the full trust pyramid: code, verification depth, and reputation. New projects cap at C until adoption is earned.

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Who stands behind it

open-banking-io

Source: Glama

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Install from

Glama

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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.
✅
Open source with a license and README
Anyone can audit the code, the license is declared, and the publisher documents what it does.
🔐
You'll be asked for 2 credentials: OBI_API_KEY, OBI_PRIVATE_KEY
These are read from process.env at runtime. Make sure you trust where they’ll be sent.
// environment variables
To run this server yourself, you supply these values. They go in your own MCP client configuration and stay on your machine. The secret label means the value is sensitive, not that the server mishandles it.
configOBI_CREDENTIALSpreferred Path to (or inline JSON of) the credentials bundle exported from the open-banking.io app — contains apiBaseUrl, apiKey and the encryption private key
🔐 secretOBI_API_KEYalternative API key, if you don't use the bundle
🔐 secretOBI_PRIVATE_KEYalternative Base64 PKCS#8 EC (SECP256R1) private key matching OBI_API_KEY
configOBI_BASE_URLwith alternative API base URL (the bundle's apiBaseUrl), required when using the split env vars
// quality suggestions

Tool annotations

No tools have read-only/destructive annotations

Add readOnlyHint or destructiveHint annotations to every tool so hosts can warn users before invoking.

All four hints declared on every tool

4/4 tools missing one or more hints — list_accounts (missing: readOnlyHint, destructiveHint, idempotentHint, openWorldHint); get_balances (missing: readOnlyHint, destructiveHint, idempotentHint, openWorldHint); get_transactions (missing: readOnlyHint, destructiveHint, idempotentHint, openWorldHint), +1 more. OpenAI's directory rejects tools where any of the four hints are missing or non-boolean.

For every tool, set all four hints (readOnlyHint, destructiveHint, idempotentHint, openWorldHint) to explicit true/false values that match the handler’s actual behaviour.

Claim the listing to review these findings one by one and send us a correction where you disagree, straight to the team. Claiming also means we tell you when the grade moves, and reach you first if we find anything urgent.

// full audit trail
The findings above are the summary. The full trail, every check we ran, each deduction, the network hosts observed and the dependency advisories, goes to verified publishers, along with an alert whenever a new one lands. Verified publishers can also review each finding and dispute it in one click. Publisher corrections have sharpened several of our checks this month, because the maintainer knows the codebase better than any scanner.
// improvement guidance — verified publishers only
We have 2 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/open-banking-io/mcp-server)](https://m8ven.ai/mcp/open-banking-io/mcp-server)
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commit: aa18c9c437a00f2b73f64e2d974663664d269ee2
code hash: 7aad709c532b63d1fd0fcdbaac480340e96faeb4e5b7c926db2c2e487fdce0d9
verified: 8/25/2026, 12:09:05 PM
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