Read-only Increase banking observability plus one safe non-money-moving write, for AI agents. Hosted by usefulapi — connect from Claude, Cursor, or any MCP client.
Team and Enterprise: an Owner adds the connector for the organization first.
Run this command, then run /mcp in Claude Code to log in:
Add to Cursor or add this to ~/.cursor/mcp.json:
{
"mcpServers": {
"increase": {
"url": "https://increase.usefulapi.io/mcp"
}
}
}Add to VS Code or add this to .vscode/mcp.json:
{
"servers": {
"increase": {
"type": "http",
"url": "https://increase.usefulapi.io/mcp"
}
}
}Other MCP clients (Windsurf, Cline, Zed and more): add the URL as a remote MCP server (Streamable HTTP). The client then opens the login page in your browser. Do not add an Authorization header: see Before you connect.
The login page asks for your Increase API key.
Find it in the Increase dashboard → Developers → API keys. Your key is used only to call the API on your behalf and to derive a private account id; it is never shown to anyone.
Add only the URL. Do not add an Authorization header or an API key to the client config. The server signs you in with OAuth: the login page asks for your Increase API key. If the config has such a header, remove it: some clients then send that header instead of the login token, and every call fails with 401.
Turn on the Increase connector, then ask in plain words. The AI picks the tools.
| Tool | Type | What it does |
|---|---|---|
increase_list_accounts | read | List accounts List bank accounts. Increase API: GET /accounts. Filter by entity and status (sent as status.in). |
increase_get_account | read | Get account Retrieve a single bank account by id. Increase API: GET /accounts/{account_id}. |
increase_get_account_balance | read | Get account balance Retrieve an account's current and available balance. Increase API: GET /accounts/{account_id}/balance. Optionally as of a point in time. |
increase_list_account_numbers | read | List account numbers List account numbers (deposit routing/account number pairs). Increase API: GET /account_numbers. Filter by account and status (sent as status.in). |
increase_list_transactions | read | List transactions List settled transactions. Increase API: GET /transactions. Filter by account, category (sent as category.in), and created date range (created_at.after / created_at.before). |
increase_get_transaction | read | Get transaction Retrieve a single transaction by id. Increase API: GET /transactions/{transaction_id}. |
increase_list_pending_transactions | read | List pending transactions List pending (not-yet-settled) transactions. Increase API: GET /pending_transactions. Filter by account and status (sent as status.in). |
increase_list_declined_transactions | read | List declined transactions List declined transactions. Increase API: GET /declined_transactions. Filter by account. |
increase_list_ach_transfers | read | List ACH transfers List ACH transfers (read-only observability; this server does NOT create transfers). Increase API: GET /ach_transfers. Filter by account and status (sent as status.in). |
increase_get_ach_transfer | read | Get ACH transfer Retrieve a single ACH transfer by id. Increase API: GET /ach_transfers/{ach_transfer_id}. |
increase_list_wire_transfers | read | List wire transfers List wire transfers (read-only observability; this server does NOT create transfers). Increase API: GET /wire_transfers. Filter by account. |
increase_list_check_transfers | read | List check transfers List check transfers (read-only observability; this server does NOT create transfers). Increase API: GET /check_transfers. Filter by account. |
increase_list_real_time_payments_transfers | read | List Real-Time Payments transfers List Real-Time Payments (RTP) transfers (read-only observability; this server does NOT create transfers). Increase API: GET /real_time_payments_transfers. Filter by account. |
increase_list_cards | read | List cards List cards. Increase API: GET /cards. Filter by account and status (sent as status.in). Read-only; no card actions are exposed. |
increase_list_entities | read | List entities List entities (the people/businesses — KYC records — that own accounts). Increase API: GET /entities. Filter by status (sent as status.in). |
increase_list_external_accounts | read | List external accounts List external (counterparty) bank accounts registered in Increase. Increase API: GET /external_accounts. Filter by status (sent as status.in). |
increase_lookup_routing_number | read | Look up routing number Look up a 9-digit ABA routing number to see which real-time services (ACH, Real-Time Payments, wire) that bank supports. Increase API: GET /routing_numbers. |
increase_create_external_account | write | Create external account Registers an external (counterparty) bank account in Increase for future transfers. This creates a record only — it MOVES NO MONEY. Increase API: POST /external_accounts. |
increase_usage_status | Usage status (free-tier meter) Report the caller's current free-tier usage this month: calls used, monthly limit, remaining, and whether the cap is reached. Read-only; does not count against the meter. | |
increase_request_feature | Request a missing feature Tell usefulapi that the user needs something the Increase tools cannot do yet (a missing tool, field or filter). Call it only when the user asks for something none of the tools can do, and tell the user that you send the request. Do not call it for errors or for normal requests. Do not include personal data, credentials or customer records. Stored with the product name and the client type (for example Claude or Cursor), without the user's account. At most 5 requests per day. Does not count against the meter. | |
increase_upgrade | Upgrade to Pro (unlimited) Subscribe to the Pro plan for UNLIMITED Increase tool calls (the free tier caps monthly usage). Choose monthly ($9/month) or yearly ($90/year — 2 months free) billing. Returns a Stripe Checkout link to open in your browser; after payment your account upgrades automatically. Does not count against the meter. | |
increase_cancel_subscription | Cancel the Pro subscription Cancel the caller's Increase Pro subscription at the end of the paid period (no refund for the current period; unlimited calls continue until then, then the free tier applies). Requires confirm: true. Run increase_upgrade later to undo the cancel before the period ends. Does not count against the meter. |
| Plan | Price | Limit |
|---|---|---|
| Free | $0 | 100 tool calls / month |
| Pro | $9/mo · $90/yr | Unlimited |
Pro covers this Increase server only. Subscribe with increase_upgrade (it returns a Stripe Checkout link). Cancel any time with increase_cancel_subscription: Pro continues to the end of the paid period, with no refund for the current period, and running increase_upgrade before then undoes the cancel. Or write to [email protected].
No. usefulapi is an independent service. It is not affiliated with or endorsed by Increase. The server calls the Increase API with your own Increase access, so it sees only the data that your account can see.
The login page asks for your Increase API key. See Before you connect for where to find it.
No. Add only the URL. Do not add an Authorization header or an API key to the client config. The server signs you in with OAuth: the login page asks for your Increase API key. If the config has such a header, remove it: some clients then send that header instead of the login token, and every call fails with 401.
The login stores them encrypted in the authorization grant of your connection. The server uses them to call the Increase API for you and to derive a private account id for usage metering. usefulapi does not show them on any page or in any reply. To stop all access, remove the connector and change or delete these credentials in Increase.
Yes, if you approve it. 1 of the 18 Increase tools can create or change data. The other 17 are marked read-only. Most MCP clients ask you to approve a tool call before it runs.
The Free plan gives 100 tool calls / month. Pro costs $9/mo or $90/yr, with unlimited tool calls, for this Increase server only. Run increase_usage_status to see how many calls you used.
Ask the AI to run increase_upgrade: it returns a Stripe Checkout link. To cancel, run increase_cancel_subscription. Pro continues to the end of the paid period.
Tell the AI what you wanted to do. It can send the request with increase_request_feature. We store the text with the server name, the type of AI client and the tool you tried, not with your account, and read every request when we plan new tools. You can send up to 5 requests per day.
Any client that supports remote MCP servers (Streamable HTTP) with OAuth login: Claude (web and desktop), Claude Code, Cursor, VS Code, Windsurf and others.
This is a Model Context Protocol endpoint — meant to be connected from an AI client, not opened in a browser. An invalid_token response at the URL is the auth gate working as designed; clients authenticate automatically.