Documentation
Everything you need to connect your financial data to AI tools through Pane.
What is Pane?
Pane is a hosted MCP server that gives AI assistants secure access to your linked financial accounts. You connect your banks, credit cards, investments, and crypto wallets through Plaid, then control exactly what data your AI tools can see.
Getting started
1. Create an account
Sign up at pane.money and choose a plan. Link at least one financial institution through Plaid during onboarding.
2. Connect your AI tool
Pane works with any MCP-compatible client. Use the server URL below and authenticate via OAuth when prompted.
https://mcp.pane.moneySetup by platform
Claude
Go to Settings → Connectors → Add Connector. Enter the server URL above and complete the OAuth flow to authorize access.
Claude Desktop
Go to Settings → Integrations → Add Integration. Enter the server URL and authorize via OAuth. Pane will appear as a connected integration.
Claude Code
Run claude mcp add pane --transport http https://mcp.pane.money in your terminal. Claude Code will prompt you to authorize via OAuth on first use.
Other MCP clients
Any client that supports Streamable HTTP transport and OAuth 2.0 can connect. Use the server URL above and follow your client's MCP setup instructions. Alternatively, generate an API key from your dashboard and use it as a Bearer token.
Available tools
Pane exposes 11 tools that your AI assistant can call. All data-reading tools are annotated as read-only.
get_accounts
List linked financial accounts with balance metadata. Filter by type: checking, savings, credit, investment, loan, or crypto.
get_balances
Get latest account balances and a net worth summary. Triggers a real-time balance refresh before returning data.
get_transactions
Search transactions with date range, category, amount range, free-text search, and per-account filtering. Supports pagination up to 200 results per request.
get_spending_summary
Get spending totals grouped by category, merchant, week, or month. Supports period shortcuts like "last_30d" or "this_month", or explicit date ranges.
get_recurring
List recurring subscriptions, bills, and income streams with merchant name, amount, frequency, and next expected date.
get_investments
Get investment holdings and portfolio value across all linked brokerage accounts.
get_liabilities
Get liabilities grouped by credit cards, student loans, and mortgages with balances, rates, and payment details.
get_crypto
Get cryptocurrency holdings across exchange accounts and on-chain wallets. Filter by wallet or blockchain (Ethereum, Solana).
write_annotation
Save a note on a transaction, merchant, account, or your profile. Annotations are automatically surfaced in future responses, so context persists across conversations.
delete_annotation
Delete a previously saved annotation by its ID.
list_annotations
List saved annotations, optionally filtered by scope (transaction, merchant, account, profile) and target.
Privacy scopes
You control exactly what data AI tools can access for each linked institution. Privacy scopes are configured per-institution from your dashboard.
Full
Complete access to account data including transactions, balances, and all details.
Balances only
Only balance information is visible. Transactions, recurring items, and spending summaries are hidden.
Balances + redacted
Balances are visible. Transactions are included but with merchant names and amounts redacted.
Hidden
The entire institution is hidden from all tool responses. AI tools will not know the account exists.
Example prompts
Once connected, try asking your AI assistant:
- "What's my current net worth?"
- "How much did I spend on dining out this month vs last month?"
- "List all my recurring subscriptions sorted by cost"
- "Find Amazon purchases over $50 in the last 3 months"
- "That Home Depot charge was for office supplies — remember that"
Troubleshooting
OAuth flow fails or loops
Make sure you're signing in with the same email you used to create your Pane account. If using Claude, try disconnecting and reconnecting the connector from Settings → Connectors.
Stale or missing data
Pane refreshes balances in real time when requested. If transactions seem outdated, some banks take up to 24 hours to post new data through Plaid. Try relinking the institution from your dashboard if the problem persists.
"Subscription inactive" error
This means your Pane subscription has lapsed. Visit your dashboard to reactivate your plan.
"All linked accounts have expired consent"
Your bank connections need to be re-authorized through Plaid. Go to your dashboard and relink the affected institutions.
Rate limit exceeded
Pane enforces per-user rate limits to prevent abuse. Wait for the time indicated in the error message before retrying.
Still stuck?
Email [email protected] with a description of the issue and the AI tool you're using.
Security
Plaid access tokens are AES-256-GCM encrypted at rest. All connections use HTTPS/TLS. Pane does not store conversation content between you and your AI tools. For full details, see our Privacy Policy and Data Policy.