Financial Cents MCP vs ONES

Financial Cents MCP 50

Closed hosted service. The changelog dates the initial release to 5 October 2026, 22 days ago (30 of 30). One dated MCP entry in 90 days; the tool count grew from 33 in the recap of 19 October to 40 now, without dated notes (10 of 20). A public changelog, roadmap and feedback board on Canny, an Intercom help centre with an MCP article updated 23 October, and a Facebook community (10 of 15). Not in the official MCP registry (searches for financial-cents and financialcents returned nothing on 27 October 2026) and no SDK (0 of 15). No package (0 of 10). The server is about three weeks old. Total 50.

ONES 68

Latest dated release notes are 7.33.0 on 30 September 2026, 37 days before this check. The registry entry moved to 1.0.3 on 8 October with no release note behind it, so it doesn't set recency (20). Nine dated releases since 8 August, several adding Open API endpoints or MCP capabilities (7.23.0, 7.26.0, 7.27.0, 7.29.0) (20). Closed service with a public changelog and support by email, with no public issue tracker (8 of 15). Verified com.ones/ones namespace in the official MCP registry (15). One official SDK for apps, with package health not checked (5 of 10). 20 + 20 + 8 + 15 + 5 = 68.

Financial Cents MCP 40

No machine-readable contract could be read. tools/list answers 401 without a signed-in Scale account and no public manifest or schema exists (0 of 25). No llms.txt on either host and no Markdown docs for the MCP; the gitbook llms.txt covers the REST API only (0 of 10). Every tool's full description is public on the setup guide, and they say what each tool is for, which tool to use instead, what it won't do and the units of money fields (18 of 20). The descriptions name enums such as resource, board, group_by and log_type and the required fields on create, but the typed schemas weren't read (6 of 15). Example prompts mapped to tools, a troubleshooting section, and descriptions that say which inputs are rejected and why; no error shape (8 of 15). A public changelog with a dated entry for the initial release, but no server version (8 of 15). Total 40.

ONES 55

No downloadable OpenAPI file was found. The reference is rendered pages, and the MCP docs list tool names and one-line descriptions without input schemas (0). llms.txt with sized indexes and a Markdown copy of every page (10). Endpoint and tool descriptions state what each does in one line, with version history per endpoint but little on when not to use one (10 of 20). Parameters are typed with defaults, limits (limit at most 100) and required marks (10 of 15). Each endpoint lists 200, 401, 403, 404 and 500 responses with schemas and examples (10 of 15). API version 2.0, a History table per endpoint and dated release notes (15). 0 + 10 + 10 + 10 + 10 + 15 = 55.

Financial Cents MCP 51

The editorial half. A closed service whose terms sit on iubenda behind a robots.txt disallow, so they weren't read (10 of 30). The privacy page shows a 2018 website policy and links an iubenda policy that wasn't readable. The security page says deleted records are removed within six months and vault records at once. Nothing was found on how MCP call logs or assistant data are kept (10 of 30). No deprecation policy or dated notices; the REST API docs warn breaking changes could happen (0 of 20). The security page names DigitalOcean and AWS with servers in New York City and Virginia, and the privacy page names Google Analytics; no full subprocessor list (10 of 20). Total 30.

ONES 62

Closed service under terms naming The Beautiful ONES Technology PTE. LTD. and Singapore law (15 of 30). The privacy policy of 7 January 2026 deletes business data 30 days after a service ends with no login for 365 days, and honours deletion requests within 30 days, but no DPA or subprocessor list is public (12 of 30). Endpoint version histories record changes, with no deprecation policy (5 of 20). The privacy policy names AWS, Oracle cloud and OpenAI and says data is transferred mostly to the US, China and Singapore, with no subprocessor list or regions (6 of 20). 15 + 12 + 5 + 6 = 38.

Financial Cents MCP 48

Graded on the MCP server. 40 tools, more than 30, with about 30,000 characters of descriptions on the guide, the longest about 2,100, before schemas. No toolsets or read-only subset (5 of 25). List tools take filters, limit, pagination, include for nested data and group_by, with totals over the whole filtered set (18 of 20). Descriptions say what gets rejected and that the reason is returned, such as a locked time entry or a proposal reminder sent too soon with the next allowed time; no error codes documented (10 of 20). No idempotency keys, but preview on proposal sends, expected_amount_remaining on credit memos and single-use upload IDs. The guide labels tools Read or Write, but readOnlyHint and destructiveHint couldn't be checked (8 of 20). Omitted fields are left unchanged on updates and whoami grounds dates; no official SDK (7 of 15). Total 48.

ONES 40

Scored on the MCP server and the Open API together. 67 MCP tools load by default (5), and a client granted fewer scope groups is limited to fewer tools (5 back). Lists take limit and cursor with project and issue type filters, and query_issues_by_onesql runs a filtered query (15 of 20). Error status codes are documented per endpoint with response schemas, but no error code catalogue was found (8 of 20). No idempotency keys or MCP annotations found (0). One official SDK, @ones-open/node-sdk, aimed at ONES Apps, and the MCP setup is one mcp-remote line (7 of 15). 10 + 15 + 8 + 0 + 7 = 40.

Financial Cents MCP 25

No x402, MPP or L402 (0 of 40). Scale plan prices are public, $69 a user a month annually or $89 monthly, but the MCP has no price of its own and no row on the pricing page, so plan-only pricing (10 of 20). A 14-day trial with no card. Judgement call, 15 of 20, because the release points new firms to the trial but no page says the MCP is on during it, and the MCP page says support may need to enable it (15 of 20). A person has to sign up and sign in through a browser (0 of 20). Total 25.

ONES 30

No x402, MPP or L402 (0). Plan prices are public per seat a year, with nothing per call (10). The free plan covers up to 30 seats and the pricing page says no card is needed (20). A person signs up in a browser and grants OAuth consent (0). 0 + 10 + 20 + 0 = 30.