# Codat vs rotki MCP server

> Codat scores 64.3 (B) to rotki's 45.6 (E) for accounting ledgers. Prices, MCP, x402, uptime and agent notes side by side.

- Canonical: https://www.anchorterminal.com/compare/codat-vs-rotki-mcp
- Markdown: https://www.anchorterminal.com/compare/codat-vs-rotki-mcp.md (~2,400 tokens)
- Slim: https://www.anchorterminal.com/compare/codat-vs-rotki-mcp.min.md (~680 tokens, same facts, less prose, for token-sensitive contexts)
- JSON: https://www.anchorterminal.com/compare/codat-vs-rotki-mcp.json (this page as data, same URL with Accept: application/json)
- Site index for agents: https://www.anchorterminal.com/llms.txt (full text: https://www.anchorterminal.com/llms-full.txt)
- API: https://www.anchorterminal.com/api/v1/index.json
- Updated: 2026-10-10

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.

- Codat: grade B, 64.3/100, rank #358 of 954. Markdown https://www.anchorterminal.com/tools/codat.md · JSON https://www.anchorterminal.com/api/v1/tools/codat.json
- rotki MCP server: grade E, 45.6/100, rank #865 of 954. Markdown https://www.anchorterminal.com/tools/rotki-mcp.md · JSON https://www.anchorterminal.com/api/v1/tools/rotki-mcp.json
- Best accounting and invoicing APIs for AI agents: https://www.anchorterminal.com/best/accounting/index.md
- All 77 accounting comparisons: https://www.anchorterminal.com/compare/accounting/index.md

## Which one, for what

### Codat (B)

Good 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)

Good 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

| Category | Weight | Codat | rotki MCP server | Edge |
| --- | --- | --- | --- | --- |
| Reliability | 16% (20 this run) | 80 | 50 | Codat +30 |
| Performance | 10%, pending | pending | pending | not scored in this run |
| Schema & documentation | 13% (16.2 this run) | 77 | 76 | Codat +1 |
| Agent ergonomics | 13% (16.2 this run) | 81 | 69 | Codat +12 |
| Security & auth | 14% (17.5 this run) | 49 | 20 | Codat +29 |
| Payments & pricing | 10% (12.5 this run) | 10 | 10 | even |
| Task success | 10%, pending | pending | pending | not scored in this run |
| Maintenance & community | 7% (8.8 this run) | 75 | 35 | Codat +40 |
| Transparency & trust | 7% (8.8 this run) | 71 | 48 | Codat +23 |
| Negative events | ≤15 | 0 | 0 | |
| **Total** | | **64.3 · B** | **45.6 · E** | |

## Facts side by side

| Fact | Codat | rotki MCP server |
| --- | --- | --- |
| Kind | HTTP API | Platform |
| Vendor | Codat Limited | Rotki Solutions GmbH |
| Hosted endpoint | `https://api.codat.io` | no (local only) |
| Transports | HTTP | HTTP |
| Auth | API key | OAuth or key |
| Pricing | Paid | Paid |
| x402 | no | no |
| Licence | Proprietary service under Codat's Master Services Agreement. The documentation repository codatio/codat-docs is Apache-2.0 | AGPL-3.0 |
| Tools exposed | none | 8 |
| Read-only variant documented | no | yes |
| llms.txt | no | yes |
| Last release | 2026-10-01 | 2026-10-02 |
| Terms last updated | 2022-09-05 | no document linked |
| Privacy policy last updated | 2025-04-01 |  |
| Customer content may train models | not found in the text |  |
| Terms restrict automated access | not found in the text |  |
| Terms restrict benchmarking | yes |  |
| Terms or service can change without notice | not found in the text |  |
| Arbitration or class-action waiver | not found in the text |  |
| Popularity | 2.7k npm/wk, 222 PyPI/wk | none |

## 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).


## For agents

- This comparison as JSON: https://www.anchorterminal.com/compare/codat-vs-rotki-mcp.json, and with the fewest tokens: https://www.anchorterminal.com/compare/codat-vs-rotki-mcp.min.md
- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {"a": "codat", "b": "rotki-mcp"}`. From a terminal: `anchor compare codat rotki-mcp`
- Each listing in full: https://www.anchorterminal.com/api/v1/tools/codat.json and https://www.anchorterminal.com/api/v1/tools/rotki-mcp.json

## Other comparisons with Codat or rotki MCP server

- [Apideck Accounting API + MCP vs rotki MCP server](https://www.anchorterminal.com/compare/apideck-accounting-vs-rotki-mcp.md)
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- [Apideck Accounting API + MCP vs Codat](https://www.anchorterminal.com/compare/apideck-accounting-vs-codat.md)
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