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Head to head · Accounting ledgers · October 2026 research run

Codat vs rotki MCP server

Codat scores 64.3 (B) on agent readiness against rotki MCP server's 45.6 (E), and leads in 6 of 7 scored categories. Both do accounting ledgers.

Best accounting and invoicing APIs for AI agents · All 77 accounting comparisons

CodatCodat Limited · HTTP API B64.3/100#358 of 954 rotki MCP serverRotki Solutions GmbH · Platform E45.6/100#865 of 954

Which one, for what

Codat B

Best for Banks, lenders, bill pay, expense and card products that already have or will sign a Codat contract and need writes into many accounting packages.

Ahead on

  • Reliability, 80 against 50
  • Agent ergonomics, 81 against 69
  • Security & auth, 49 against 20
  • Maintenance & community, 75 against 35
  • Transparency & trust, 71 against 48

Also in its favour

  • A hosted endpoint, with nothing to install

Watch for

No public price. The pricing page returns 404 and fees are set in an order form

rotki MCP server E

Best for A Premium user who wants an assistant to answer questions about their own history, balances and cost basis on their own machine.

Also in its favour

  • Open source

Watch for

The desktop endpoint at http://127.0.0.1:4445/mcp takes no token, because the session key is forced empty outside Docker, so any local process can call it while the server runs

Score by category

CategoryWeight this runCodatrotki MCP serverEdge
Reliability16%208050Codat +30
Performance10%pendingpendingpendingnot scored in this run
Schema & documentation13%16.27776Codat +1
Agent ergonomics13%16.28169Codat +12
Security & auth14%17.54920Codat +29
Payments & pricing10%12.51010even
Task success10%pendingpendingpendingnot scored in this run
Maintenance & community7%8.87535Codat +40
Transparency & trust7%8.87148Codat +23
Negative events≤1500
TotalB 64.3/100E 45.6/100

Facts side by side

FactCodatrotki MCP server
KindHTTP APIPlatform
VendorCodat LimitedRotki Solutions GmbH
Hosted endpointhttps://api.codat.iono (local only)
TransportsHTTPHTTP
AuthAPI keyOAuth or key
PricingPaidPaid
x402nono
LicenceProprietary service under Codat's Master Services Agreement. The documentation repository codatio/codat-docs is Apache-2.0AGPL-3.0
Tools exposednone8
Read-only variant documentednoyes
llms.txtnoyes
Last release2026-10-012026-10-02
Terms last updated2022-09-05no document linked
Privacy policy last updated2025-04-01
Customer content may train modelsnot found in the text
Terms restrict automated accessnot found in the text
Terms restrict benchmarkingyes
Terms or service can change without noticenot found in the text
Arbitration or class-action waivernot found in the text
Popularity2.7k npm/wk, 222 PyPI/wknone

Verdicts

Codat

Public OpenAPI specs, an Idempotency-Key header on writes, Retry-After on 429 and a written three-month deprecation notice suit an agent that retries. Access is the limitation. No price or self-serve signup is published, the general Accounting API is closed to new clients, and API keys carry no scopes.

rotki MCP server

A read-only MCP server in the rotki desktop app, for Premium Basic at €25 a month and above. Privacy modes mask addresses and account names, but amounts, dates, assets and counterparties reach the connected assistant in every mode. The desktop endpoint takes no token, and the feature shipped in v1.44.0 on 21 August 2026.

Before you call either

Codat

  1. Send Authorization: Basic <base64 of the API key> to https://api.codat.io. The Portal shows the ready-made header value
  2. Send a new GUID as Idempotency-Key on every POST and PATCH, and reuse the same key when retrying after a 429
  3. Treat writes as asynchronous on most APIs. Keep the push operation key and wait for the {dataType}.write.successful or .unsuccessful webhook
  4. Call the Get model (options) endpoint for the connection before a create or update, because required fields differ by accounting package
  5. Filter with query=modifiedDate>... and keep pageSize at 100. The daily quota is 1,000 requests times one plus the number of active connected companies

rotki MCP server

  1. Ask the person to start the server under Settings > MCP in the desktop app, since it stays down until started, then connect to http://127.0.0.1:4445/mcp
  2. Call info first. It works without Premium and reports whether an unlocked backend is connected
  3. Call get_event_taxonomy before any aggregate over event_type, and sum on direction or event_group, since informational rows double count MEV and block rewards
  4. Call refresh_analytics_data before query_sql, and check source.completeness and unpriced_rows before reporting any total
  5. Check the privacy mode before answering from the data. Strict keeps amounts and dates, and raw sends addresses, hashes and notes verbatim

Questions

Which is better for AI agents, Codat or rotki MCP server?

Codat scores 64.3 (B) on agent readiness against rotki MCP server's 45.6 (E), and leads in 6 of 7 scored categories.

Can an agent call Codat and rotki MCP server without installing anything?

Codat has a hosted endpoint at https://api.codat.io. No hosted endpoint is listed for rotki MCP server.

Are Codat and rotki MCP server open source?

No open-source release is listed for Codat. rotki MCP server is open source (AGPL-3.0).

Other comparisons with Codat or rotki MCP server

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