MCP

The FinCobra MCP server is a thin Model Context Protocol server for Checkout and Watchlist. One local server exposes both tool groups. Coding agents can create a hosted payment invoice, read a known invoice by id, and read Watchlist sources.

Install from GitHub. fincobra-mcp is not published to npm.

There is no OAuth. There is no list_invoices tool.

Source: dexstandard/fincobra-mcp

Install

npx -y github:dexstandard/fincobra-mcp

The server requires Node.js 20 or newer. Keep API keys and session tokens in the MCP server environment, never in chat.

Checkout API key

Checkout tools use a live Checkout API key (fc_live_...).

1. Open the Checkout dashboard.
2. Go to Settings → API.
3. Generate an API key and copy it once.

Set the key as FINCOBRA_CHECKOUT_API_KEY or FINCOBRA_API_KEY. See Authentication.

Tools

Checkout

Tool	What it does
create_invoice	Create a USD invoice. Returns id and hosted paymentUrl (/pay/:id).
get_invoice	Look up a known invoice by id. Returns status, paymentUrl, and amounts.

There is no list_invoices tool. Checkout API keys cannot list invoices.

Invoice amounts are USD. Settlement assets come from the payment methods enabled in the dashboard. Send the payer to paymentUrl. Treat confirmed and paid_out_of_band as paid. Treat payment_detected as pending unless you accept unconfirmed crypto payments.

See Invoices and Configuration.

Watchlist

Tool	What it does
get_net_worth	Manual banks / cash / property totals in USD. cryptoUsd is null.
list_sources	Wallets, exchanges, and manual assets.
get_source	One source by id (wallet:12, exchange:binance, manual:3).

Watchlist has no public API key. Auth is the Identity session cookie used by the Watchlist web app. Copy that cookie from a signed-in browser (DevTools → Application → Cookies) into FINCOBRA_WATCHLIST_SESSION_TOKEN or FINCOBRA_SESSION_TOKEN.

Watchlist MCP was not live-tested.

Cursor

Add to .cursor/mcp.json (project) or ~/.cursor/mcp.json (user):

{
  "mcpServers": {
    "fincobra": {
      "command": "npx",
      "args": ["-y", "github:dexstandard/fincobra-mcp"],
      "env": {
        "FINCOBRA_CHECKOUT_API_KEY": "fc_live_...",
        "FINCOBRA_CHECKOUT_BASE_URL": "https://fincobra.com",
        "FINCOBRA_WATCHLIST_SESSION_TOKEN": "<session-cookie-value>",
        "FINCOBRA_WATCHLIST_BASE_URL": "https://watch.fincobra.com"
      }
    }
  }
}

Claude Code

claude mcp add fincobra \
  --env FINCOBRA_CHECKOUT_API_KEY=fc_live_... \
  --env FINCOBRA_WATCHLIST_SESSION_TOKEN=<session-cookie-value> \
  -- npx -y github:dexstandard/fincobra-mcp

Or add the same mcpServers object to .mcp.json / ~/.claude.json.

Codex

codex mcp add fincobra \
  --env FINCOBRA_CHECKOUT_API_KEY=fc_live_... \
  --env FINCOBRA_WATCHLIST_SESSION_TOKEN=<session-cookie-value> \
  -- npx -y github:dexstandard/fincobra-mcp

Or in ~/.codex/config.toml:

[mcp_servers.fincobra]
command = "npx"
args = ["-y", "github:dexstandard/fincobra-mcp"]

[mcp_servers.fincobra.env]
FINCOBRA_CHECKOUT_API_KEY = "fc_live_..."
FINCOBRA_WATCHLIST_SESSION_TOKEN = "<session-cookie-value>"

Environment

Variable	Required	Description
FINCOBRA_CHECKOUT_API_KEY	One of the two surfaces	Checkout API key (fc_live_...). FINCOBRA_API_KEY is also accepted.
FINCOBRA_CHECKOUT_BASE_URL	No	Checkout origin. Defaults to https://fincobra.com.
FINCOBRA_WATCHLIST_SESSION_TOKEN	One of the two surfaces	Identity session cookie value. FINCOBRA_SESSION_TOKEN is also accepted.
FINCOBRA_WATCHLIST_BASE_URL	No	Watchlist origin. Defaults to https://watch.fincobra.com.

Configure Checkout, Watchlist, or both. Tools for a missing surface return a configuration error.

Auth

Surface	Credential	Header / cookie
Checkout	Dashboard API key (fc_live_...)	X-Api-Key
Watchlist	Identity session cookie (session)	Cookie: session=...

Checkout tools call POST /api/checkout/invoices and GET /api/checkout/invoices/:id. See API Reference.