fino (tophole-alphabetizer167/fino) is an MCP server listed on the M8ven Trust Index. It scores 70 out of 100, grade C. It declares 12 tools. No publisher has claimed this listing.

C
Caution
70/100

fino

Track personal finances locally with AI, connect bank accounts, analyze spending, and chat with Claude while keeping data on your machine

Caution. Specific findings reduced this grade. They are listed on the page. 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

tophole-alphabetizer167

Source: github_repo_search

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Install from

The grade above is for the source repository. Registries can serve a different version, so we mark the ones we were not able to read.

// key findings
⚠️
Known vulnerabilities in dependencies: 2 high
Affects packages this MCP installs at runtime. Upgrade or remove the affected dependency.
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: ENCRYPTION_KEY, PLAID_SECRET
These are read from process.env at runtime. Make sure you trust where they’ll be sent.
// tools this server exposes12 tools

These names and descriptions are the publisher's own, read from the source code. We print them as written. Our assessment is the findings above, not this list.

sync_transactions

Force sync all connected bank accounts with Plaid to get latest transactions and balances

get_accounts

Get all connected bank accounts with balances

get_transactions

Get financial transactions with optional filters. Returns CSV by default for compact output. Auto-syncs with Plaid if data is stale.

search_transactions

Search transactions by merchant name or description. Returns CSV by default. Auto-syncs with Plaid if data is stale.

get_spending_summary

Spending breakdown by category for a date range. Returns ALL categories including TRANSFER_IN/TRANSFER_OUT truthfully so the intelligence layer can decide which transfers are internal vs external. Also returns top merchants (excluding transfers) and grand totals. Auto-syncs with Plaid if data is sta

get_balances

Get current balances across all accounts with net worth calculation. Auto-syncs with Plaid if data is stale.

get_monthly_comparison

Compare income vs spending month over month. Returns raw totals including all categories. Transfer amounts are broken out separately so the intelligence layer can determine which are internal vs external. Auto-syncs with Plaid if data is stale.

search_learnings

Step 1 of memory retrieval. Search stored financial learnings by description. Returns an index of matching memories with id, type, description, period, and timestamps — but NOT full content. The agent reads this index, decides which memories are relevant based on descriptions and temporal context, t

get_learning

Step 2 of memory retrieval. Load the full markdown content of a specific learning by ID. Call search_learnings first to find relevant IDs.

save_learning

Save a financial learning. IMPORTANT: Before creating a new learning, always call search_learnings first to check if a similar one exists. If it does, pass the existing ID to update it instead of creating a duplicate.

mark_learning_stale

Mark a learning as stale/outdated. Excluded from default searches but kept for history.

delete_learning

Permanently delete a learning. Prefer mark_learning_stale to keep history.

// known CVEs in dependencies2 high1 medium28 low

Disclosed vulnerabilities in this server's declared npm dependencies (via OSV). Whether each is reachable depends on the installed versions.

highdrizzle-orm@0.44.7GHSA-gpj5-g38j-94v9

Drizzle ORM has SQL injection via improperly escaped SQL identifiers

highhono@4.12.8GHSA-88fw-hqm2-52qc

hono: CORS Middleware reflects any Origin with credentials when `origin` defaults to the wildcard

mediumhono@4.12.8GHSA-xf4j-xp2r-rqqx

Hono: Path traversal in toSSG() allows writing files outside the output directory

low@hono/node-server@1.19.11GHSA-92pp-h63x-v22m

@hono/node-server: Middleware bypass via repeated slashes in serveStatic

low@hono/node-server@1.19.11GHSA-frvp-7c67-39w9

Node.js Adapter for Hono: Path traversal in `serve-static` on Windows via encoded backslash (`%5C`)

Depend on this server? Get alerted when its CVEs change.Watch this server free →
// 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.
configDB_PATH
configDOTENV_CONFIG_PATH
🔐 secretENCRYPTION_KEY
configPLAID_CLIENT_ID
configPLAID_ENV
🔐 secretPLAID_SECRET
configSYNC_THRESHOLD_HOURS
Deployment configuration, supplied by whoever hosts the server. Users are not asked for these.
deployPORT
// 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

12/12 tools missing one or more hints — sync_transactions (missing: readOnlyHint, destructiveHint, idempotentHint, openWorldHint); get_accounts (missing: readOnlyHint, destructiveHint, idempotentHint, openWorldHint); get_transactions (missing: readOnlyHint, destructiveHint, idempotentHint, openWorldHint), +9 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.

Tool test coverage

5/12 tools referenced in tests (42%)

Write tests that reference each tool by name so every tool has at least one test.

Secrets not logged

1 secret value sent to error

Redact or omit secret values from log output.

Production dependencies are patched

0 critical, 2 high severity in production deps — drizzle-orm@0.44.7 (high), hono@4.12.8 (high)

Run npm audit fix, or upgrade the affected packages to a non-vulnerable version.

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 5 concrete improvements we can share with the publisher of this MCP. Each comes with specific guidance to raise the trust score.
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commit: a6c441595cce61bd6e2c30029f71792926616a8c
code hash: 6ea0009a11c60f6d5d9f0784745c0a31a2d8c822f4d64194a7c2cee5fd9d9352
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