Name: Sophtron MCP
Availability: InStock
Author: 312-dev

What it does

Sophtron MCP connects Claude Desktop (and other MCP clients) directly to your bank accounts and credit cards via Sophtron's financial data aggregation API. Ask Claude to list your accounts, pull 90 days of transactions, search for specific charges, or analyse your spending — all without routing data through a paid budgeting app like YNAB or Monarch Money.

Forked from the official sophtron/chagpt-mcp which was built exclusively for ChatGPT's OpenAI-specific transport. This version replaces everything ChatGPT-specific with a standard stdio MCP server that works with any MCP-compatible client.

Key features

12,000+ supported institutions — banks, credit unions, credit cards via Sophtron's aggregation layer
Free individual API access — Sophtron provides credentials at no cost for personal use
HMAC-SHA256 auth — credentials stay local, never sent to a third-party proxy
Local disk caching — customer and connection data persisted in ~/.sophtron-mcp/
10 tools — covers account listing, transaction history, identity info, and institution search

Tools

Tool	Description
`setup_customer`	Create or retrieve your Sophtron customer profile (run first)
`get_customer`	Look up a customer by name
`list_connections`	List all linked bank connections
`save_connection`	Manually save a connection reference
`list_accounts`	List all accounts across all connections
`get_account`	Get details for a specific account
`get_member_accounts`	List accounts for a specific bank connection
`get_transactions`	Fetch transactions (defaults to last 90 days)
`get_identity`	Get profile/identity info for a connection
`search_institutions`	Search for banks by name

Installation

1. Get Sophtron credentials

2. Build

git clone https://github.com/312-dev/sophtron-mcp.git
cd sophtron-mcp && npm install && npm run build

3. Claude Desktop config

Add to ~/Library/Application Support/Claude/claude_desktop_config.json:

{
  "mcpServers": {
    "sophtron": {
      "command": "node",
      "args": ["/path/to/sophtron-mcp/dist/index.js"],
      "env": {
        "SOPHTRON_USER_ID": "your-user-id",
        "SOPHTRON_ACCESS_KEY": "your-access-key"
      }
    }
  }
}

Supported hosts

Confirmed in README: Claude Desktop, Claude Code.

Sophtron MCP