Koko MCP Server

KoKo Finance MCP Server

A hosted MCP server for AI-powered credit card advice. Search 100+ US credit cards, compare options side by side, analyze portfolio health, and get personalized recommendations — all through the Model Context Protocol.

Server URL: https://kokofinance.net/mcp/

No API key required. No local installation needed. Just connect your MCP client.

Quick Setup

Claude Desktop

Add to ~/Library/Application Support/Claude/claude_desktop_config.json (macOS) or %APPDATA%\Claude\claude_desktop_config.json (Windows):

{
  "mcpServers": {
    "koko-finance": {
      "type": "http",
      "url": "https://kokofinance.net/mcp/"
    }
  }
}

Claude Code

claude mcp add koko-finance --transport http https://kokofinance.net/mcp/

Or copy the .mcp.json from this repo into your project.

Cursor

Go to Settings > MCP and add a new server:

• Name: koko-finance
• Type: HTTP
• URL: https://kokofinance.net/mcp/

Cline / Windsurf

Add to your MCP settings file:

{
  "mcpServers": {
    "koko-finance": {
      "type": "http",
      "url": "https://kokofinance.net/mcp/"
    }
  }
}

Tools (11)

Prompts (4)

Pre-built conversation starters that guide the AI through structured workflows:

Benefit Selections

The optimize_portfolio and check_card_renewal tools accept a benefit_selections parameter — a list of individual benefit keys the user actually uses. Selected benefits count at 100% utilization; unselected benefits count at 0%.

benefit_selections: ["uber", "airline_fee", "dining", "admirals_club"]

This gives accurate net-value calculations instead of the default 50% utilization estimate.

Discover valid keys by calling the REST endpoint GET https://kokofinance.net/api/v1/benefit-categories (no auth required), or see the developer docs.

Example Conversations

"Review my portfolio"

I have a Chase Sapphire Reserve, Amex Gold, and Citi Double Cash. Analyze my portfolio and tell me which cards are worth keeping.

"Which card should I use?"

I'm buying $200 in groceries. I have an Amex Gold, Chase Freedom Unlimited, and Citi Custom Cash. Which card should I use?

"Find me a new card"

I spend a lot on travel and dining. I want a card under $300 annual fee with a good sign-up bonus. What do you recommend?

"Should I renew my Amex Platinum?"

I only use the Uber credit and airline fee credit on my Amex Platinum. Is it still worth paying the $695 annual fee?

"Which card at Starbucks?"

I'm buying coffee at Starbucks. I have a Chase Sapphire Reserve, Amex Gold, and Citi Double Cash. Which card earns the most?

"Do I have any credits at Saks?"

I'm shopping at Saks Fifth Avenue. Do any of my cards have credits there? I have an Amex Platinum and Chase Sapphire Reserve.

"What benefits does my Amex Platinum have?"

Show me all the credits and benefits on my Amex Platinum card — how much is each worth?

Links

• KoKo Finance — Main site
• Developer Documentation — Full API and tool reference
• MCP Endpoint — Direct server URL

Also Available

• Claude Code Plugin — Adds the MCP server connection plus an Agent Skill that teaches Claude structured credit card workflows

License

MIT