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FinancialMCP serverFirst audited Nov 13, 2026

io.github.transparentpt/mcp

Budget used cars in Portugal: fair-price check, running-cost (IUC) estimate, stock search, contact.The vendor's description, from its MCP Registry listing.

Passed, with 1 warningAudited Nov 13, 2026
  • Warning: 13 of 13 tools do not say whether they can change things.

Nothing failed, but there is something to know or fix. Public audit: we connect as an AI client would, list the tools and check what they say. We do not run them. How we audit

Does it work?
YesConnected in 544 ms.
Sign-up?
None neededIt answered without any account or key.
Can it change things?
Doesn't sayIts tools do not say whether they only read, so treat them as able to change things.
Endpointhttps://transparent.pt/mcp

Source code Website Streamable HTTP · protocol 2025-11-25 · server version 0.3.0

What we checked, the evidence, and the tools it offers.

What we checked

Security

  • Passed: Connections are encrypted (HTTPS).

  • Passed: No hidden instructions found in tool text.

Safety labels

  • Warning: 13 of 13 tools do not say whether they can change things.

    MCP lets a server label each tool as read-only or destructive, so clients can ask the user before risky calls. Unlabelled tools are treated as able to change things.

    • search_inventory
    • get_car
    • check_fair_price
    • cost_to_own
    • list_makes_models
    • contact_me
    • calculate_isv
    • calculate_import_cost
    • and 5 more

Tools

  • Passed: 13 tools listed.

  • Passed: Every tool describes its inputs with a valid schema.

Protocol

  • Passed: The MCP handshake works (Streamable HTTP).

  • Passed: Protocol version 2025-11-25 (latest).

  • Passed: Unknown requests are refused.

Connection

  • Passed: The server responds.

Tools (13)

As the server describes them. The labels are the server's own: it says whether each tool only reads or can change things.

  • search_inventorySearch TransparentCars' current stock of budget used cars in Portugal — honestly listed, everyday cars for the local market. Filter by make, model, fuel, gearbox and max price. Returns matching cars…Doesn't say
  • get_carGet full details for one car in TransparentCars stock by its slug (from a search_inventory link, e.g. 'renault-clio-2016').Doesn't say
  • check_fair_priceCheck whether a car's asking price is fair for the Portuguese market — the TransparentCars transparency check. Given make, model, year and mileage, it returns the range comparable cars actually sell…Doesn't say
  • cost_to_ownEstimate a car's yearly running-cost floor in Portugal — the annual IUC road tax (Imposto Único de Circulação) every owner pays, plus a plain running-cost framing. Needs engine displacement (cc), CO₂…Doesn't say
  • list_makes_modelsList the exact canonical car makes (brands) TransparentCars can search and price — or, given a make, that brand's models — using the exact strings the other tools expect. Call this FIRST (or whenever…Doesn't say
  • contact_meSend a contact request to TransparentCars so a human gets in touch. Only call this when the user explicitly asks to be contacted, provides their own name and a phone or email, AND agrees to share tho…Doesn't say
  • calculate_isvEstimate Portuguese car import tax (ISV, Imposto Sobre Veículos) from the official ISV formula (engine-cc + CO₂ components, with age reduction for used cars). A maintained estimate: it matches the AT…Doesn't say
  • calculate_import_costFull turnkey cost of importing a car from Germany / another EU country (e.g. a mobile.de or AutoScout24 listing) to Portugal through TransparentCars: car price + transport + paperwork (inspection, IM…Doesn't say
  • calculate_legalization_costCost of legalising a car that is ALREADY in Portugal (registered in another EU country, brought in by the owner) through TransparentCars: a fixed service fee + ISV + state fees (inspection, IMT, regi…Doesn't say
  • calculate_iucEstimate the Portuguese annual road tax (IUC, Imposto Único de Circulação) for a car — the yearly tax an owner pays — from the official IUC table. A maintained estimate; confirm on the official AT si…Doesn't say
  • estimate_resale_valueEstimate what a car is worth on the Portuguese market (the range comparable cars are listed for), based on real comparable listings. Needs make, model, year, mileage and fuel. TransparentCars also BU…Doesn't say
  • list_servicesList what TransparentCars offers (buying stock cars, importing to order, sourcing, auction buying, selling/trading in your car, ISV/IUC calculators).Doesn't say
  • request_import_quoteAsk TransparentCars to source & quote a specific car to import (from German/EU auctions). Only call when the user wants an import quote, provides the wanted model plus their own name and a phone or e…Doesn't say

Audit history

  1. Nov 13Warnings

What we sent

Every request in this audit, with the answer and how long it took. We never send credentials and never call a tool.

RequestAnswerTime
initializeHTTP 200544 ms
initializedHTTP 202267 ms
tools/listHTTP 200213 ms
resources/listHTTP 200132 ms
prompts/listHTTP 200138 ms
unknown-methodHTTP 200130 ms

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