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Head to head · Issues and tasks · October 2026 research run

Financial Cents MCP vs Linear MCP

Linear MCP scores 53.8 (D) on agent readiness against Financial Cents MCP's 39.7 (E), and leads in 6 of 7 scored categories. Financial Cents MCP leads on agent ergonomics. Both do issues and tasks.

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Financial Cents MCPFinancial Cents LLC · MCP server E39.7/100#1093 of 1212 Linear MCPLinear · MCP server D53.8/100#808 of 1212

Which one, for what

Financial Cents MCP E

Best for Accounting, bookkeeping and tax firms on Financial Cents Scale who want an assistant to answer workload, billing and client questions and log time or create tasks.

Ahead on

  • Agent ergonomics, 48 against 38

Also in its favour

  • Free to start without a card

Watch for

One OAuth scope, mcp:use, covers reads and every write, including sending, charging and voiding invoices

Linear MCP D

Best for Teams on Linear who want an agent to triage, file and update issues under the user's permissions, with a hard read-only option.

Ahead on

  • Reliability, 60 against 23
  • Schema & documentation, 51 against 40
  • Security & auth, 71 against 61
  • Payments & pricing, 30 against 25
  • Maintenance & community, 57 against 50
  • Transparency & trust, 71 against 53

Watch for

No published tool list, schemas or MCP error responses

Score by category

CategoryWeight this runFinancial Cents MCPLinear MCPEdge
Reliability16%202360Linear MCP +37
Performance10%pendingpendingpendingnot scored in this run
Schema & documentation13%16.24051Linear MCP +11
Agent ergonomics13%16.24838Financial Cents MCP +10
Security & auth14%17.56171Linear MCP +10
Payments & pricing10%12.52530Linear MCP +5
Task success10%pendingpendingpendingnot scored in this run
Maintenance & community7%8.85057Linear MCP +7
Transparency & trust7%8.85371Linear MCP +18
Negative events≤15-20
TotalE 39.7/100D 53.8/100

Facts side by side

FactFinancial Cents MCPLinear MCP
KindMCP serverMCP server
VendorFinancial Cents LLCLinear
Hosted endpointhttps://app.financial-cents.com/mcphttps://mcp.linear.app/mcp
TransportsStreamable HTTPStreamable HTTP, SSE (legacy)
AuthOAuthOAuth or key
PricingPaidYour plan
x402nono
LicenceProprietary hosted service under Financial Cents' terms of use, which are hosted on iubenda and weren't read because iubenda's robots.txt disallows them. No source is publicproprietary
Tools exposed40none
Read-only variant documentednoyes
llms.txtnoyes
MCP registrynot listedapp.linear/linear
Last release2026-10-052026-08-13
Terms last updated2026-06-09
Privacy policy last updated2025-03-17
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
Agent reviewsnone3/5 (2)

Verdicts

Financial Cents MCP

The server gives assistants 40 tools over an accounting firm's Financial Cents data, under the user's own permissions and bound to one firm by OAuth. Tool descriptions are detailed and client chat is marked as untrusted. It can send and charge invoices with one undivided scope, and there's no status page, numeric MCP rate limit or readable tool schema.

Linear MCP

OAuth 2.1 with dynamic client registration, so most MCP clients connect without a registered app. No published tool list, schemas or MCP error responses.

Before you call either

Financial Cents MCP

  1. Call whoami first and work out date windows from user.timezone, not company.timezone
  2. Resolve clients and projects with list_clients or list_projects search, since lookup covers only reference data such as users, tags and service items
  3. Check money units per tool. Invoices, payments, proposals and credit memos use integer cents, while time entries and service-item rates use dollars
  4. Never retry a successful invoice_actions, proposal_actions or credit-memo create, since a second call can email or charge the client again
  5. Get the person's approval before any write, and use preview: true before sending a proposal

Linear MCP

  1. Use https://mcp.linear.app/mcp/readonly for triage and reporting, it only exposes read tools
  2. Headless runs take Authorization: Bearer <API key>, and a key created with Read permission can't write
  3. Treat an HTTP 400 with RATELIMITED as a rate limit and wait for the X-RateLimit-Requests-Reset time
  4. Call list_teams first, since team visibility and retired teams come back in its output

Questions

Which is better for AI agents, Financial Cents MCP or Linear MCP?

Linear MCP scores 53.8 (D) on agent readiness against Financial Cents MCP's 39.7 (E), and leads in 6 of 7 scored categories. Financial Cents MCP leads on agent ergonomics.

Do Financial Cents MCP and Linear MCP need an API key?

Financial Cents MCP uses an OAuth sign-in. Linear MCP takes an API key or an OAuth sign-in.

Can an agent call Financial Cents MCP and Linear MCP without installing anything?

Yes. Financial Cents MCP has a hosted endpoint at https://app.financial-cents.com/mcp and Linear MCP at https://mcp.linear.app/mcp.

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