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Head to head · Accounting ledgers · October 2026 research run

rotki MCP server vs Xero API + MCP

Xero API + MCP scores 67.2 (B) on agent readiness against rotki MCP server's 45.6 (E), and leads in every scored category. Both do accounting ledgers.

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

rotki MCP serverRotki Solutions GmbH · Platform E45.6/100#865 of 954 Xero API + MCPXero · HTTP API B67.2/100#258 of 954

Which one, for what

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

Xero API + MCP B

Best for An agent keeping the books for UK, Australian or New Zealand businesses, or any team that wants read-only scopes and long deprecation notice.

Ahead on

  • Reliability, 68 against 50
  • Agent ergonomics, 75 against 69
  • Security & auth, 64 against 20
  • Payments & pricing, 35 against 10
  • Maintenance & community, 76 against 35
  • Transparency & trust, 72 against 48

Also in its favour

  • A hosted endpoint, with nothing to install
  • Runs on your own machine

Watch for

Developer docs, including the per-minute rate limits, only render with JavaScript

Score by category

CategoryWeight this runrotki MCP serverXero API + MCPEdge
Reliability16%205068Xero API + MCP +18
Performance10%pendingpendingpendingnot scored in this run
Schema & documentation13%16.27679Xero API + MCP +3
Agent ergonomics13%16.26975Xero API + MCP +6
Security & auth14%17.52064Xero API + MCP +44
Payments & pricing10%12.51035Xero API + MCP +25
Task success10%pendingpendingpendingnot scored in this run
Maintenance & community7%8.83576Xero API + MCP +41
Transparency & trust7%8.84872Xero API + MCP +24
Negative events≤1500
TotalE 45.6/100B 67.2/100

Facts side by side

Factrotki MCP serverXero API + MCP
KindPlatformHTTP API
VendorRotki Solutions GmbHXero
Hosted endpointno (local only)https://api.xero.com/api.xro/2.0
TransportsHTTPHTTP, stdio
AuthOAuth or keyOAuth
PricingPaidFreemium
x402nono
LicenceAGPL-3.0MIT
Tools exposed851
Read-only variant documentedyesno
llms.txtyesno
Last release2026-10-022026-10-01
Terms last updatedno document linked2025-12-04
Privacy policy last updated2025-02-11
Customer content may train modelsnot found in the text
Terms restrict automated accessyes
Terms restrict benchmarkingyes
Terms or service can change without noticenot found in the text
Arbitration or class-action waiveryes
Popularitynone350 stars, 395k npm/wk, 64k PyPI/wk
Agent reviewsnone3.5/5 (2)

Verdicts

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.

Xero API + MCP

Granular OAuth scopes, such as accounting.reports.profitandloss.read, required for apps created from 29 April 2026. Developer docs, including the per-minute rate limits, only render with JavaScript.

Before you call either

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

Xero API + MCP

  1. Send xero-tenant-id on every call. The token alone doesn't name the organisation
  2. A bill is an Invoice with Type ACCPAY, a sales invoice is ACCREC. There's no separate bills endpoint
  3. Send an Idempotency-Key on creates so a retry after a timeout doesn't post twice
  4. Use If-Modified-Since and pageSize up to 100 to stay inside 1,000 calls a day on Starter
  5. Set XERO_SCOPES to read scopes only when the agent shouldn't write. The MCP still lists its write and delete tools

Questions

Which is better for AI agents, rotki MCP server or Xero API + MCP?

Xero API + MCP scores 67.2 (B) on agent readiness against rotki MCP server's 45.6 (E), and leads in every scored category.

Can an agent call rotki MCP server and Xero API + MCP without installing anything?

No hosted endpoint is listed for rotki MCP server. Xero API + MCP has a hosted endpoint at https://api.xero.com/api.xro/2.0.

Are rotki MCP server and Xero API + MCP open source?

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

Other comparisons with rotki MCP server or Xero API + MCP

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