{ "data": { "a": { "slug": "pennylane", "name": "Pennylane", "vendor": "Pennylane SAS", "vendorUrl": "https://www.pennylane.com", "kind": "http-api", "category": "accounting", "summary": "Pennylane is a French accounting and invoicing platform for companies and accounting firms. Its Company and Firm REST APIs cover invoices, supplier invoices, ledger entries, transactions and exports. A hosted read-only MCP server exposes the same books to AI assistants.", "url": "https://www.anchorterminal.com/tools/pennylane", "markdownUrl": "https://www.anchorterminal.com/tools/pennylane.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/pennylane.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/pennylane.json", "license": "Proprietary service under Pennylane's API agreement and customer terms", "transports": [ "http" ], "remoteUrl": "https://app.pennylane.com/api/external/v2", "packages": [], "auth": "mixed", "authNotes": "Bearer token on every call. Companies generate a Company API token under Settings, Connectivity, Developers, which needs the Essentiel plan or above and an admin role. Each token is tied to one company, is read only or read and write, expires after 1, 6 or 12 months or never, and can be deleted. Firms generate Firm API tokens. Integration partners use the OAuth 2.0 authorisation code grant after the Partnerships team issues a client ID and secret, with 24-hour access tokens and rotating 90-day refresh tokens. The MCP server uses OAuth 2.1 with PKCE and dynamic client registration, and the user signs in through a browser.", "pricing": "paid", "pricingNotes": "API and MCP access for companies needs the Essentiel plan or above, listed at 24 euros a month before VAT for one user on the pricing tab for sole traders and single-shareholder companies. Premium is 79 euros. Each plan has a 15-day trial with no commitment, and a sandbox can be created inside an account. Whether the trial needs a card and the prices for other company types were not established. Accounting firms get the MCP at no extra cost (https://www.pennylane.com/fr/tarifs, checked 2026-10-09).", "priceSummary": "Paid", "where": "hosted", "x402": { "level": "no", "evidence": "No x402, MPP or L402 in the API docs, the MCP docs or the pricing page (checked 2026-10-09).", "endpoints": [] }, "toolCount": 31, "popularity": { "githubStars": null, "npmWeekly": null, "pypiWeekly": null, "asOf": "2026-10-09" }, "docsUrl": "https://pennylane.readme.io/docs/api-overview", "llmsTxt": "https://pennylane.readme.io/llms.txt", "capabilities": [ "accounting.ledger", "accounting.invoices", "accounting.bills", "accounting.reports" ], "tags": [ "hosted", "closed-source", "oauth", "openapi", "mcp", "llms-txt", "webhooks", "status-page" ], "lastRelease": "2026-09-30", "graded": true, "anchor": { "graded": true, "score": 66.3, "grade": "B", "agentReady": false, "rank": 298, "ranked": true, "rankOf": 954, "categoryRank": 4, "methodology": "0.4", "run": "2026-10-01", "scores": { "ergonomics": 66, "maintenance": 65, "payments": 20, "reliability": 75, "schema": 85, "security": 68, "transparency": 76 }, "pending": [ "performance", "tasks" ], "assessment": { "confidence": "medium", "date": "2026-10-09" }, "negative": 0, "verdict": "The v2 API has per-resource read and write scopes, an OpenAPI definition on every reference page, llms.txt and a breaking-change process that ran over 24 weeks. Access needs a paid Essentiel plan or partner approval, creation endpoints are not idempotent, and the API agreement lets Pennylane change or revoke the API without notice.", "bestFor": "An agent working on the books of French companies or an accounting firm's client portfolio, with French chart of accounts, FEC export, Factur-X e-invoicing and VAT returns.", "strengths": [ "Scopes split each resource into `:readonly` and `:all`, for company tokens, firm tokens and OAuth apps", "Hosted MCP server at `https://mcp.pennylane.com/mcp` with 31 read-only tools, OAuth 2.1 with PKCE and dynamic client registration", "OpenAPI 3.0.1 definitions on each reference page, an llms.txt index and Markdown twins of every docs page", "The 2026 breaking changes ran in three phases over 24 weeks with an opt-in header, ending 1 July 2026", "ISO 27001 certificate published, EU hosting on AWS in Ireland, and a dated sub-processor list with 30 days' notice of additions" ], "weaknesses": [ "The API agreement allows changes, suspension or revocation with or without notice and supplies the API as is", "Creation endpoints do not enforce idempotency, except supplier invoice imports", "API and MCP access for companies starts at the Essentiel plan, and OAuth apps need approval from the Partnerships team", "No official SDK was found, and the MCP server is not in the official MCP registry", "No security.txt, bug bounty or published disclosure policy was found", "The API agreement grants Pennylane an exclusive licence over API integrations and their source code on request" ], "agentNotes": [ "Call `GET https://app.pennylane.com/api/external/v2/me` first to confirm the token, user and company context", "Stay under 25 requests per 5 seconds per token and wait for the `retry-after` value on a 429", "Do not retry a create after a timeout without checking first. Only supplier invoice imports are deduplicated", "Send `filter` and `sort` again with every `cursor`. The cursor stores position only", "Send amounts as strings such as \"120.00\", and ask for `:readonly` scopes when the task only reads", "Use the MCP server for reads only. It cannot create, edit or delete, and firm connections need `company_id`" ], "metrics": { "kind": "remote", "measured": false }, "reviewCount": 0, "avgRating": 0, "history": [ { "basis": "public evidence", "confidence": "medium", "grade": "B", "methodology": "0.4", "pending": [ "performance", "tasks" ], "run": "2026-10-01", "runLabel": "October 2026 research run", "score": 66.3 } ], "editorialScores": { "ergonomics": 66, "maintenance": 65, "payments": 20, "reliability": 75, "schema": 85, "security": 68, "transparency": 71 }, "provenanceScore": 80 }, "connect": { "http": "curl https://app.pennylane.com/api/external/v2/me \\\n -H \"Authorization: Bearer $PENNYLANE_API_TOKEN\"", "claudeCode": "claude mcp add --transport http pennylane https://mcp.pennylane.com/mcp", "config": { "mcpServers": { "pennylane": { "url": "https://mcp.pennylane.com/mcp" } } } }, "letme": { "capability": "https://letme.dev/accounting.ledger", "tool": "https://letme.dev/pennylane" }, "area": "domain-data", "provenance": { "legalEntity": "Pennylane SAS", "domain": "pennylane.com", "domainRegistered": "1998-09-23", "endpointOnVendorDomain": true, "terms": "https://pennylane.readme.io/page/api-contract-terms", "privacy": "https://www.pennylane.com/fr/legal/privacy", "statusPage": "https://status.pennylane.com", "changelog": "https://pennylane.readme.io/changelog", "securityTxt": "none", "checked": "2026-10-09", "notes": [ "The legal notice (updated 8 September 2026) names Pennylane, a société par actions simplifiée, SIREN 880 265 921 RCS Paris, 2-4 rue Jules Lefebvre, 75009 Paris. Pennylane GmbH sells the product in Germany.", "The API agreement (API Contract terms, last updated January 2024) governs API use and is cited by clause 26.9 of the customer terms. It gives a registered office in Cherbourg-en-Cotentin, which differs from the Paris address in the customer terms and legal notice.", "The customer terms for companies (version of 16 December 2025) are a PDF linked from https://www.pennylane.com/fr/conditions-generales, with the data processing agreement and the SLA as annexes.", "The privacy policy (updated 30 January 2026) covers processing where Pennylane is controller. Processing as processor is governed by the data processing agreement annexed to the customer terms.", "www.pennylane.com/.well-known/security.txt returns 404.", "The API answers on app.pennylane.com and the MCP server on mcp.pennylane.com. The API docs are hosted on pennylane.readme.io.", "RDAP for pennylane.com gives a registration date of 1998-09-23." ], "score": 80 }, "pageJsonUrl": "https://www.anchorterminal.com/tools/pennylane.json", "live": { "slug": "pennylane", "probe": { "target": "https://app.pennylane.com/api/external/v2", "method": "get", "lastAt": "2026-10-10T13:02:24.461446169Z", "lastOk": true, "lastStatus": 200, "lastMs": 257, "authRequired": false, "uptime24h": 100, "uptime30d": 100, "p50ms24h": 98, "p95ms24h": 586, "samples24h": 219, "samples30d": 219, "days": [ { "date": "2026-10-09", "probes": 85, "ok": 85 }, { "date": "2026-10-10", "probes": 134, "ok": 134 } ] }, "vendorStatus": { "page": "https://status.pennylane.com", "indicator": "none", "summary": "All Systems Operational", "checkedAt": "2026-10-10T13:01:53.515611489Z" }, "pages": [ { "url": "https://pennylane.readme.io/changelog", "kind": "changelog", "status": 200, "checkedAt": "2026-10-09T18:43:10.597188172Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "baba0cf1ecaa" }, { "url": "https://www.pennylane.com/fr/legal/privacy", "kind": "privacy", "status": 200, "checkedAt": "2026-10-09T18:52:57.370338236Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "2e89b0e31f0b" }, { "url": "https://pennylane.readme.io/page/api-contract-terms", "kind": "terms", "status": 200, "checkedAt": "2026-10-09T18:43:13.114667877Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "7815b7f4ccf6" } ], "updatedAt": "2026-10-10T13:02:24.461446169Z" } }, "answer": "Pennylane scores 66.3 (B) on agent readiness against rotki MCP server's 45.6 (E), and leads in 6 of 7 scored categories.", "b": { "slug": "rotki-mcp", "name": "rotki MCP server", "vendor": "Rotki Solutions GmbH", "vendorUrl": "https://rotki.com", "kind": "platform", "category": "accounting", "summary": "Open-source, local-first portfolio tracking and accounting app for crypto. Its MCP server, for Premium Basic and higher, lets an AI assistant on the same machine query the user's events and balances with read-only SQL.", "url": "https://www.anchorterminal.com/tools/rotki-mcp", "markdownUrl": "https://www.anchorterminal.com/tools/rotki-mcp.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/rotki-mcp.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/rotki-mcp.json", "repo": "https://github.com/rotki/rotki", "license": "AGPL-3.0", "transports": [ "http" ], "packages": [], "auth": "mixed", "authNotes": "Desktop. No credential. The MCP HTTP endpoint at http://127.0.0.1:4445/mcp takes no bearer token, because the desktop launcher forces ROTKI_SESSION_KEY empty outside Docker (https://github.com/rotki/rotki/blob/v1.44.1/crates/starling/src/main.rs). Host and Origin allowlists limit requests to 127.0.0.1:4445. Docker. POST /api/1/mcp/token issues a bearer token scoped to mcp that lasts at most seven days from login and is revoked on logout (https://github.com/rotki/rotki/blob/v1.44.1/docs/dev_changelog.rst; https://docs.rotki.com/usage-guides/mcp).", "pricing": "paid", "pricingNotes": "Premium Basic is €25 a month billed monthly, labelled Suggested, and Advanced is €45 a month billed monthly (https://rotki.com/products/, checked 10 October 2026). Yearly prices are not shown, only 'Save 2 months vs monthly'. The Starter plan and the Supporter plan have no MCP access, and the code excludes Free and Supporter from the tools (https://github.com/rotki/rotki/blob/v1.44.1/rotkehlchen/mcp/premium.py). No free trial was found.", "priceSummary": "Paid", "where": "local", "x402": { "level": "no", "evidence": "No x402, MPP or L402 in the docs, the products page or the source (checked 2026-10-10).", "endpoints": [] }, "toolCount": 8, "popularity": { "githubStars": null, "npmWeekly": null, "pypiWeekly": null, "asOf": "2026-10-10" }, "docsUrl": "https://docs.rotki.com/usage-guides/mcp", "llmsTxt": "https://rotki.com/llms.txt", "capabilities": [ "accounting.ledger" ], "tags": [ "open-source", "self-hosted", "local-first", "desktop", "docker", "mcp", "read-only", "premium", "python", "llms-txt" ], "lastRelease": "2026-10-02", "graded": true, "anchor": { "graded": true, "score": 45.6, "grade": "E", "agentReady": false, "rank": 865, "ranked": true, "rankOf": 954, "categoryRank": 12, "methodology": "0.4", "run": "2026-10-01", "scores": { "ergonomics": 69, "maintenance": 35, "payments": 10, "reliability": 50, "schema": 76, "security": 20, "transparency": 48 }, "pending": [ "performance", "tasks" ], "assessment": { "confidence": "medium", "date": "2026-10-10" }, "negative": 0, "verdict": "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.", "bestFor": "A Premium user who wants an assistant to answer questions about their own history, balances and cost basis on their own machine.", "strengths": [ "Read-only by construction. Eight tools and none of them writes, and query_sql accepts one SELECT or WITH statement against an in-memory copy of the loaded data", "The premium gate fails closed. Free and Supporter accounts get premium_required, and a backend that cannot be queried gets premium_check_failed", "Balanced mode, the default, masks addresses, transaction hashes, group and event identifiers and account names with a per-process seed, and redacts user notes", "AGPL-3.0 source for the MCP server, its tests in rotkehlchen/tests/mcp and the desktop launcher that starts it", "Typed JSON Schema inputs on every tool, generated from the Python signatures, plus a free info tool that reports whether an unlocked backend is connected" ], "weaknesses": [ "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", "Amounts, USD values, timestamps, asset symbols, counterparties and venue names pass unmasked in every mode, as the in-app strict description says", "The privacy policy at rotki.com/privacy-policy does not mention the desktop app or the MCP, and the MCP usage event to sigil.rotki.com is on by default", "Two releases in the 90 days to 10 October 2026, and no rotki entry found in the official MCP registry search", "The feature is seven weeks old, and no injection guidance, per-call audit log or security disclosure policy was found" ], "agentNotes": [ "Ask the person to start the server under Settings \u003e MCP in the desktop app, since it stays down until started, then connect to http://127.0.0.1:4445/mcp", "Call info first. It works without Premium and reports whether an unlocked backend is connected", "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", "Call refresh_analytics_data before query_sql, and check source.completeness and unpriced_rows before reporting any total", "Check the privacy mode before answering from the data. Strict keeps amounts and dates, and raw sends addresses, hashes and notes verbatim" ], "metrics": { "kind": "local", "measured": false }, "reviewCount": 0, "avgRating": 0, "history": [ { "basis": "public evidence", "confidence": "medium", "grade": "E", "methodology": "0.4", "pending": [ "performance", "tasks" ], "run": "2026-10-01", "runLabel": "October 2026 research run", "score": 45.6 } ], "editorialScores": { "ergonomics": 69, "maintenance": 35, "payments": 10, "reliability": 50, "schema": 76, "security": 20, "transparency": 55 }, "provenanceScore": 40 }, "connect": { "claudeCode": "claude mcp add --scope user --transport http rotki http://127.0.0.1:4445/mcp" }, "letme": { "capability": "https://letme.dev/accounting.ledger", "tool": "https://letme.dev/rotki-mcp" }, "area": "domain-data", "provenance": { "legalEntity": "Rotki Solutions GmbH", "domain": "rotki.com", "domainRegistered": "", "endpointOnVendorDomain": false, "terms": "", "privacy": "https://rotki.com/privacy-policy", "statusPage": "", "changelog": "https://github.com/rotki/rotki/releases", "securityTxt": "unknown", "checked": "2026-10-10", "notes": [ "The privacy policy names Rotki Solutions GmbH as operator of the website and the Premium API subscription. It states no retention period and no governing law, and does not mention the desktop app or the MCP server.", "The MCP server runs on the user's own machine, so no vendor endpoint is involved. The only vendor-side request is the optional usage event to sigil.rotki.com.", "rotki.com/.well-known/security.txt and rotki.com/security.txt both returned client errors to our reader, so securityTxt is recorded as unknown.", "status.rotki.com and the terms page could not be read by our reader, so statusPage and terms are null." ], "score": 40 }, "pageJsonUrl": "https://www.anchorterminal.com/tools/rotki-mcp.json" }, "facts": [ { "a": "HTTP API", "b": "Platform", "name": "Kind" }, { "a": "Pennylane SAS", "b": "Rotki Solutions GmbH", "name": "Vendor" }, { "a": "https://app.pennylane.com/api/external/v2", "b": "no (local only)", "name": "Hosted endpoint" }, { "a": "HTTP", "b": "HTTP", "name": "Transports" }, { "a": "OAuth or key", "b": "OAuth or key", "name": "Auth" }, { "a": "Paid", "b": "Paid", "name": "Pricing" }, { "a": "no", "b": "no", "name": "x402" }, { "a": "Proprietary service under Pennylane's API agreement and customer terms", "b": "AGPL-3.0", "name": "Licence" }, { "a": "31", "b": "8", "name": "Tools exposed" }, { "a": "yes", "b": "yes", "name": "Read-only variant documented" }, { "a": "yes", "b": "yes", "name": "llms.txt" }, { "a": "2026-09-30", "b": "2026-10-02", "name": "Last release" }, { "a": "no date given", "b": "no document linked", "name": "Terms last updated" }, { "a": "no date given", "b": "", "name": "Privacy policy last updated" }, { "a": "not found in the text", "b": "", "name": "Customer content may train models" }, { "a": "not found in the text", "b": "", "name": "Terms restrict automated access" }, { "a": "yes", "b": "", "name": "Terms restrict benchmarking" }, { "a": "yes", "b": "", "name": "Terms or service can change without notice" }, { "a": "not found in the text", "b": "", "name": "Arbitration or class-action waiver" } ], "faq": [ { "answer": "Pennylane scores 66.3 (B) on agent readiness against rotki MCP server's 45.6 (E), and leads in 6 of 7 scored categories.", "question": "Which is better for AI agents, Pennylane or rotki MCP server?" }, { "answer": "Pennylane has a hosted endpoint at https://app.pennylane.com/api/external/v2. No hosted endpoint is listed for rotki MCP server.", "question": "Can an agent call Pennylane and rotki MCP server without installing anything?" }, { "answer": "No open-source release is listed for Pennylane. rotki MCP server is open source (AGPL-3.0).", "question": "Are Pennylane and rotki MCP server open source?" } ], "goodFor": [ { "aheadOn": [ "Reliability, 75 against 50", "Schema \u0026 documentation, 85 against 76", "Security \u0026 auth, 68 against 20", "Payments \u0026 pricing, 20 against 10", "Maintenance \u0026 community, 65 against 35", "Transparency \u0026 trust, 76 against 48" ], "also": [ "A hosted endpoint, with nothing to install" ], "goodFor": "An agent working on the books of French companies or an accounting firm's client portfolio, with French chart of accounts, FEC export, Factur-X e-invoicing and VAT returns.", "slug": "pennylane", "watchFor": "The API agreement allows changes, suspension or revocation with or without notice and supplies the API as is" }, { "aheadOn": null, "also": [ "Open source" ], "goodFor": "A Premium user who wants an assistant to answer questions about their own history, balances and cost basis on their own machine.", "slug": "rotki-mcp", "watchFor": "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" } ], "job": { "capability": "accounting.ledger", "name": "Accounting ledgers" }, "others": [ { "json": "https://www.anchorterminal.com/compare/apideck-accounting-vs-pennylane.json", "title": "Apideck Accounting API + MCP vs Pennylane", "url": "https://www.anchorterminal.com/compare/apideck-accounting-vs-pennylane" }, { "json": "https://www.anchorterminal.com/compare/apideck-accounting-vs-rotki-mcp.json", "title": "Apideck Accounting API + MCP vs rotki MCP server", "url": "https://www.anchorterminal.com/compare/apideck-accounting-vs-rotki-mcp" }, { "json": "https://www.anchorterminal.com/compare/codat-vs-pennylane.json", "title": "Codat vs Pennylane", "url": "https://www.anchorterminal.com/compare/codat-vs-pennylane" }, { "json": "https://www.anchorterminal.com/compare/codat-vs-rotki-mcp.json", "title": "Codat vs rotki MCP server", "url": "https://www.anchorterminal.com/compare/codat-vs-rotki-mcp" }, { "json": "https://www.anchorterminal.com/compare/freeagent-vs-pennylane.json", "title": "FreeAgent API vs Pennylane", "url": "https://www.anchorterminal.com/compare/freeagent-vs-pennylane" }, { "json": "https://www.anchorterminal.com/compare/freeagent-vs-rotki-mcp.json", "title": "FreeAgent API vs rotki MCP server", "url": "https://www.anchorterminal.com/compare/freeagent-vs-rotki-mcp" }, { "json": "https://www.anchorterminal.com/compare/freshbooks-vs-pennylane.json", "title": "FreshBooks API vs Pennylane", "url": "https://www.anchorterminal.com/compare/freshbooks-vs-pennylane" }, { "json": "https://www.anchorterminal.com/compare/freshbooks-vs-rotki-mcp.json", "title": "FreshBooks API vs rotki MCP server", "url": "https://www.anchorterminal.com/compare/freshbooks-vs-rotki-mcp" }, { "json": "https://www.anchorterminal.com/compare/merge-accounting-vs-pennylane.json", "title": "Merge Accounting API vs Pennylane", "url": "https://www.anchorterminal.com/compare/merge-accounting-vs-pennylane" }, { "json": "https://www.anchorterminal.com/compare/merge-accounting-vs-rotki-mcp.json", "title": "Merge Accounting API vs rotki MCP server", "url": "https://www.anchorterminal.com/compare/merge-accounting-vs-rotki-mcp" }, { "json": "https://www.anchorterminal.com/compare/odoo-vs-pennylane.json", "title": "Odoo External API vs Pennylane", "url": "https://www.anchorterminal.com/compare/odoo-vs-pennylane" }, { "json": "https://www.anchorterminal.com/compare/odoo-vs-rotki-mcp.json", "title": "Odoo External API vs rotki MCP server", "url": "https://www.anchorterminal.com/compare/odoo-vs-rotki-mcp" }, { "json": "https://www.anchorterminal.com/compare/pennylane-vs-quickbooks-online.json", "title": "Pennylane vs QuickBooks Online API + MCP", "url": "https://www.anchorterminal.com/compare/pennylane-vs-quickbooks-online" }, { "json": "https://www.anchorterminal.com/compare/pennylane-vs-rutter.json", "title": "Pennylane vs Rutter Accounting API", "url": "https://www.anchorterminal.com/compare/pennylane-vs-rutter" }, { "json": "https://www.anchorterminal.com/compare/pennylane-vs-xero.json", "title": "Pennylane vs Xero API + MCP", "url": "https://www.anchorterminal.com/compare/pennylane-vs-xero" }, { "json": "https://www.anchorterminal.com/compare/pennylane-vs-zoho-books.json", "title": "Pennylane vs Zoho Books", "url": "https://www.anchorterminal.com/compare/pennylane-vs-zoho-books" }, { "json": "https://www.anchorterminal.com/compare/quickbooks-online-vs-rotki-mcp.json", "title": "QuickBooks Online API + MCP vs rotki MCP server", "url": "https://www.anchorterminal.com/compare/quickbooks-online-vs-rotki-mcp" }, { "json": "https://www.anchorterminal.com/compare/rotki-mcp-vs-rutter.json", "title": "rotki MCP server vs Rutter Accounting API", "url": "https://www.anchorterminal.com/compare/rotki-mcp-vs-rutter" }, { "json": "https://www.anchorterminal.com/compare/rotki-mcp-vs-xero.json", "title": "rotki MCP server vs Xero API + MCP", "url": "https://www.anchorterminal.com/compare/rotki-mcp-vs-xero" }, { "json": "https://www.anchorterminal.com/compare/rotki-mcp-vs-zoho-books.json", "title": "rotki MCP server vs Zoho Books", "url": "https://www.anchorterminal.com/compare/rotki-mcp-vs-zoho-books" }, { "json": "https://www.anchorterminal.com/compare/invoice-ninja-vs-pennylane.json", "title": "Invoice Ninja API vs Pennylane", "url": "https://www.anchorterminal.com/compare/invoice-ninja-vs-pennylane" } ], "scores": [ { "by": 25, "edge": "pennylane", "key": "reliability", "name": "Reliability", "pennylane": 75, "rotki-mcp": 50, "weight": 16 }, { "key": "performance", "name": "Performance", "pending": true, "weight": 10 }, { "by": 9, "edge": "pennylane", "key": "schema", "name": "Schema \u0026 documentation", "pennylane": 85, "rotki-mcp": 76, "weight": 13 }, { "by": 3, "edge": "rotki-mcp", "key": "ergonomics", "name": "Agent ergonomics", "pennylane": 66, "rotki-mcp": 69, "weight": 13 }, { "by": 48, "edge": "pennylane", "key": "security", "name": "Security \u0026 auth", "pennylane": 68, "rotki-mcp": 20, "weight": 14 }, { "by": 10, "edge": "pennylane", "key": "payments", "name": "Payments \u0026 pricing", "pennylane": 20, "rotki-mcp": 10, "weight": 10 }, { "key": "tasks", "name": "Task success", "pending": true, "weight": 10 }, { "by": 30, "edge": "pennylane", "key": "maintenance", "name": "Maintenance \u0026 community", "pennylane": 65, "rotki-mcp": 35, "weight": 7 }, { "by": 28, "edge": "pennylane", "key": "transparency", "name": "Transparency \u0026 trust", "pennylane": 76, "rotki-mcp": 48, "weight": 7 } ], "summary": "Pennylane scores 66.3 (B) on agent readiness against rotki MCP server's 45.6 (E), and leads in 6 of 7 scored categories. Both do accounting ledgers.", "verdicts": { "pennylane": "The v2 API has per-resource read and write scopes, an OpenAPI definition on every reference page, llms.txt and a breaking-change process that ran over 24 weeks. Access needs a paid Essentiel plan or partner approval, creation endpoints are not idempotent, and the API agreement lets Pennylane change or revoke the API without notice.", "rotki-mcp": "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." } }, "kind": "anchor.page", "links": { "api": "https://www.anchorterminal.com/api/v1/index.json", "html": "https://www.anchorterminal.com/compare/pennylane-vs-rotki-mcp", "json": "https://www.anchorterminal.com/compare/pennylane-vs-rotki-mcp.json", "llms": "https://www.anchorterminal.com/llms.txt", "markdown": "https://www.anchorterminal.com/compare/pennylane-vs-rotki-mcp.md", "slim": "https://www.anchorterminal.com/compare/pennylane-vs-rotki-mcp.min.md" }, "markdown": "Pennylane scores 66.3 (B) on agent readiness against rotki MCP server's 45.6 (E), and leads in 6 of 7 scored categories. Both do accounting ledgers.\n\n- Pennylane: grade B, 66.3/100, rank #298 of 954. Markdown https://www.anchorterminal.com/tools/pennylane.md · JSON https://www.anchorterminal.com/api/v1/tools/pennylane.json\n- 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\n- Best accounting and invoicing APIs for AI agents: https://www.anchorterminal.com/best/accounting/index.md\n- All 77 accounting comparisons: https://www.anchorterminal.com/compare/accounting/index.md\n\n## Which one, for what\n\n### Pennylane (B)\n\nGood for: An agent working on the books of French companies or an accounting firm's client portfolio, with French chart of accounts, FEC export, Factur-X e-invoicing and VAT returns.\n\nAhead on:\n- Reliability, 75 against 50\n- Schema \u0026 documentation, 85 against 76\n- Security \u0026 auth, 68 against 20\n- Payments \u0026 pricing, 20 against 10\n- Maintenance \u0026 community, 65 against 35\n- Transparency \u0026 trust, 76 against 48\n\nAlso in its favour:\n- A hosted endpoint, with nothing to install\n\nWatch for: The API agreement allows changes, suspension or revocation with or without notice and supplies the API as is\n\n### rotki MCP server (E)\n\nGood for: A Premium user who wants an assistant to answer questions about their own history, balances and cost basis on their own machine.\n\nAlso in its favour:\n- Open source\n\nWatch 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\n\n\n## Score by category\n\n| Category | Weight | Pennylane | rotki MCP server | Edge |\n| --- | --- | --- | --- | --- |\n| Reliability | 16% (20 this run) | 75 | 50 | Pennylane +25 |\n| Performance | 10%, pending | pending | pending | not scored in this run |\n| Schema \u0026 documentation | 13% (16.2 this run) | 85 | 76 | Pennylane +9 |\n| Agent ergonomics | 13% (16.2 this run) | 66 | 69 | rotki MCP server +3 |\n| Security \u0026 auth | 14% (17.5 this run) | 68 | 20 | Pennylane +48 |\n| Payments \u0026 pricing | 10% (12.5 this run) | 20 | 10 | Pennylane +10 |\n| Task success | 10%, pending | pending | pending | not scored in this run |\n| Maintenance \u0026 community | 7% (8.8 this run) | 65 | 35 | Pennylane +30 |\n| Transparency \u0026 trust | 7% (8.8 this run) | 76 | 48 | Pennylane +28 |\n| Negative events | ≤15 | 0 | 0 | |\n| **Total** | | **66.3 · B** | **45.6 · E** | |\n\n## Facts side by side\n\n| Fact | Pennylane | rotki MCP server |\n| --- | --- | --- |\n| Kind | HTTP API | Platform |\n| Vendor | Pennylane SAS | Rotki Solutions GmbH |\n| Hosted endpoint | `https://app.pennylane.com/api/external/v2` | no (local only) |\n| Transports | HTTP | HTTP |\n| Auth | OAuth or key | OAuth or key |\n| Pricing | Paid | Paid |\n| x402 | no | no |\n| Licence | Proprietary service under Pennylane's API agreement and customer terms | AGPL-3.0 |\n| Tools exposed | 31 | 8 |\n| Read-only variant documented | yes | yes |\n| llms.txt | yes | yes |\n| Last release | 2026-09-30 | 2026-10-02 |\n| Terms last updated | no date given | no document linked |\n| Privacy policy last updated | no date given | |\n| Customer content may train models | not found in the text | |\n| Terms restrict automated access | not found in the text | |\n| Terms restrict benchmarking | yes | |\n| Terms or service can change without notice | yes | |\n| Arbitration or class-action waiver | not found in the text | |\n\n## Verdicts\n\n**Pennylane.** The v2 API has per-resource read and write scopes, an OpenAPI definition on every reference page, llms.txt and a breaking-change process that ran over 24 weeks. Access needs a paid Essentiel plan or partner approval, creation endpoints are not idempotent, and the API agreement lets Pennylane change or revoke the API without notice.\n\n**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.\n\n## Before you call either\n\n### Pennylane\n\n1. Call `GET https://app.pennylane.com/api/external/v2/me` first to confirm the token, user and company context\n2. Stay under 25 requests per 5 seconds per token and wait for the `retry-after` value on a 429\n3. Do not retry a create after a timeout without checking first. Only supplier invoice imports are deduplicated\n4. Send `filter` and `sort` again with every `cursor`. The cursor stores position only\n5. Send amounts as strings such as \"120.00\", and ask for `:readonly` scopes when the task only reads\n6. Use the MCP server for reads only. It cannot create, edit or delete, and firm connections need `company_id`\n\n### rotki MCP server\n\n1. Ask the person to start the server under Settings \u003e MCP in the desktop app, since it stays down until started, then connect to http://127.0.0.1:4445/mcp\n2. Call info first. It works without Premium and reports whether an unlocked backend is connected\n3. 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\n4. Call refresh_analytics_data before query_sql, and check source.completeness and unpriced_rows before reporting any total\n5. Check the privacy mode before answering from the data. Strict keeps amounts and dates, and raw sends addresses, hashes and notes verbatim\n\n## Questions\n\n### Which is better for AI agents, Pennylane or rotki MCP server?\n\nPennylane scores 66.3 (B) on agent readiness against rotki MCP server's 45.6 (E), and leads in 6 of 7 scored categories.\n\n### Can an agent call Pennylane and rotki MCP server without installing anything?\n\nPennylane has a hosted endpoint at https://app.pennylane.com/api/external/v2. No hosted endpoint is listed for rotki MCP server.\n\n### Are Pennylane and rotki MCP server open source?\n\nNo open-source release is listed for Pennylane. rotki MCP server is open source (AGPL-3.0).\n\n\n## For agents\n\n- This comparison as JSON: https://www.anchorterminal.com/compare/pennylane-vs-rotki-mcp.json, and with the fewest tokens: https://www.anchorterminal.com/compare/pennylane-vs-rotki-mcp.min.md\n- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {\"a\": \"pennylane\", \"b\": \"rotki-mcp\"}`. From a terminal: `anchor compare pennylane rotki-mcp`\n- Each listing in full: https://www.anchorterminal.com/api/v1/tools/pennylane.json and https://www.anchorterminal.com/api/v1/tools/rotki-mcp.json\n\n## Other comparisons with Pennylane or rotki MCP server\n\n- [Apideck Accounting API + MCP vs Pennylane](https://www.anchorterminal.com/compare/apideck-accounting-vs-pennylane.md)\n- [Apideck Accounting API + MCP vs rotki MCP server](https://www.anchorterminal.com/compare/apideck-accounting-vs-rotki-mcp.md)\n- [Codat vs Pennylane](https://www.anchorterminal.com/compare/codat-vs-pennylane.md)\n- [Codat vs rotki MCP server](https://www.anchorterminal.com/compare/codat-vs-rotki-mcp.md)\n- [FreeAgent API vs Pennylane](https://www.anchorterminal.com/compare/freeagent-vs-pennylane.md)\n- [FreeAgent API vs rotki MCP server](https://www.anchorterminal.com/compare/freeagent-vs-rotki-mcp.md)\n- [FreshBooks API vs Pennylane](https://www.anchorterminal.com/compare/freshbooks-vs-pennylane.md)\n- [FreshBooks API vs rotki MCP server](https://www.anchorterminal.com/compare/freshbooks-vs-rotki-mcp.md)\n- [Merge Accounting API vs Pennylane](https://www.anchorterminal.com/compare/merge-accounting-vs-pennylane.md)\n- [Merge Accounting API vs rotki MCP server](https://www.anchorterminal.com/compare/merge-accounting-vs-rotki-mcp.md)\n- [Odoo External API vs Pennylane](https://www.anchorterminal.com/compare/odoo-vs-pennylane.md)\n- [Odoo External API vs rotki MCP server](https://www.anchorterminal.com/compare/odoo-vs-rotki-mcp.md)\n- [Pennylane vs QuickBooks Online API + MCP](https://www.anchorterminal.com/compare/pennylane-vs-quickbooks-online.md)\n- [Pennylane vs Rutter Accounting API](https://www.anchorterminal.com/compare/pennylane-vs-rutter.md)\n- [Pennylane vs Xero API + MCP](https://www.anchorterminal.com/compare/pennylane-vs-xero.md)\n- [Pennylane vs Zoho Books](https://www.anchorterminal.com/compare/pennylane-vs-zoho-books.md)\n- [QuickBooks Online API + MCP vs rotki MCP server](https://www.anchorterminal.com/compare/quickbooks-online-vs-rotki-mcp.md)\n- [rotki MCP server vs Rutter Accounting API](https://www.anchorterminal.com/compare/rotki-mcp-vs-rutter.md)\n- [rotki MCP server vs Xero API + MCP](https://www.anchorterminal.com/compare/rotki-mcp-vs-xero.md)\n- [rotki MCP server vs Zoho Books](https://www.anchorterminal.com/compare/rotki-mcp-vs-zoho-books.md)\n- [Invoice Ninja API vs Pennylane](https://www.anchorterminal.com/compare/invoice-ninja-vs-pennylane.md)\n", "meta": { "attribution": "Anchor Terminal (https://www.anchorterminal.com)", "docs": "https://www.anchorterminal.com/docs/", "generatedAt": "2026-10-10", "license": "CC-BY-4.0", "method": "https://www.anchorterminal.com/benchmark/", "methodology": "0.4", "openapi": "https://www.anchorterminal.com/openapi.json", "preview": false, "run": "2026-10-01", "runLabel": "October 2026 research run" }, "page": { "breadcrumbs": [ { "name": "Home", "url": "https://www.anchorterminal.com/" }, { "name": "Compare", "url": "https://www.anchorterminal.com/compare/" }, { "name": "Pennylane vs rotki MCP server", "url": "" } ], "description": "Pennylane scores 66.3 (B) to rotki's 45.6 (E) for accounting ledgers. Prices, MCP, x402, uptime and agent notes side by side.", "facts": [ "Pennylane B 66.3", "rotki MCP server E 45.6", "scores" ], "h1": "Pennylane vs rotki MCP server", "image": "https://www.anchorterminal.com/assets/og/compare-pennylane-vs-rotki-mcp.png", "path": "/compare/pennylane-vs-rotki-mcp", "published": "2026-10-01", "section": "tools", "title": "Pennylane vs rotki for AI agents in 2026: scores and prices", "toc": null, "updated": "2026-10-10", "url": "https://www.anchorterminal.com/compare/pennylane-vs-rotki-mcp" }, "tokens": { "markdown": 2450, "slim": 680 }, "version": 1 }