Developer docs

Prosper MCP

Talk to your Prosper workspace from any Model Context Protocol client — claude.ai, Claude Desktop, or your own agent. Every call is workspace-scoped, OAuth-authorized, and audit-logged.

Transports

Two ways to connect

Both transports speak MCP and share the same tools, tiers, and audit trail. Pick whichever your client supports.

Hosted (Streamable HTTP)

Add a custom connector pointing at the hosted endpoint. Your client handles OAuth — sign in to Prosper once and approve the scopes.

https://prosperfinance.app/api/mcp

Authorization is OAuth 2.0 with PKCE and dynamic client registration — no manual token needed.

Local (stdio)

For Claude Desktop or any stdio client, run the published server and pass a workspace-scoped token.

{
  "mcpServers": {
    "prosper": {
      "command": "npx",
      "args": ["@prosper/mcp-server"],
      "env": {
        "PROSPER_API_URL": "https://prosperfinance.app",
        "PROSPER_TOKEN": "pat_..."
      }
    }
  }
}

Authorization

OAuth scopes

Tokens are workspace-scoped — a client only ever sees the workspace you authorized.

prosper:read — browse decisions, transactions, dashboards, packets, and memory.
prosper:write — approve, change, or flag decisions and save memory (Pro tier).
prosper:admin — trigger scans and regenerate packets (Business tier).

Capabilities

Tools by tier

Free works for read-only browsing. Write and trigger tools require Pro or Business; on a lower tier they return an upgrade_required result rather than an error.

Read tools — any tier

list_pending_decisions: What is awaiting your approval
get_decision_detail: Full evidence for one cluster
search_transactions: Find transactions by criteria
get_workspace_dashboard: Current month overview
get_action_items: Pending work across categories
get_packet_status: Current period CPA-readiness
list_packets: Recent CPA packets
recall_memory_facts: What Prosper has learned about your business

Write tools — Pro tier

approve_decision: Approve a cluster's recommendation
change_decision: Override a recommendation; Prosper learns your preference
ask_cpa_decision: Flag a cluster for CPA review
save_memory: Explicitly tell Prosper a fact
upload_receipt_url: Attach a receipt by URL

Trigger tools — Business tier

trigger_cluster_scan: Run a fresh scan on demand
generate_packet: Regenerate a CPA packet

Privacy

What a connected client can and cannot do

Plaid connections are read-only — Prosper cannot move money.
Bearer tokens are workspace-scoped — a client only sees the workspace you authorized.
Every tool call is logged. Review or revoke access under Settings → Connectors.
Prosper never makes tax determinations — outputs use language like “likely business expenses for CPA review.”

Step-by-step setup for Claude is in the product guide. To revoke access at any time, open Settings → Connectors and disconnect.