# rotki MCP server vs Xero API + MCP (slim)

> Xero scores 67.2 (B) to rotki's 45.6 (E) for accounting ledgers. Prices, MCP, x402, uptime and agent notes side by side.

- Full: https://www.anchorterminal.com/compare/rotki-mcp-vs-xero.md (~2,350 tokens) · this version ~680 tokens · JSON https://www.anchorterminal.com/compare/rotki-mcp-vs-xero.json · canonical https://www.anchorterminal.com/compare/rotki-mcp-vs-xero
- Index: https://www.anchorterminal.com/llms.txt · API: https://www.anchorterminal.com/api/v1/index.json · Updated: 2026-10-10

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.

- rotki MCP server: E 45.6, rank #865 of 954 · https://www.anchorterminal.com/tools/rotki-mcp.min.md
- Xero API + MCP: B 67.2, rank #258 of 954 · https://www.anchorterminal.com/tools/xero.min.md
- rotki MCP server, 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 Open source.
- Xero API + MCP, good 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 A hosted endpoint, with nothing to install; Runs on your own machine.

| Category | rotki MCP server | Xero API + MCP |
| --- | --- | --- |
| Reliability (16%) | 50 | 68 |
| Performance (10%) | pending | pending |
| Schema & documentation (13%) | 76 | 79 |
| Agent ergonomics (13%) | 69 | 75 |
| Security & auth (14%) | 20 | 64 |
| Payments & pricing (10%) | 10 | 35 |
| Task success (10%) | pending | pending |
| Maintenance & community (7%) | 35 | 76 |
| Transparency & trust (7%) | 48 | 72 |

| Fact (where they differ) | rotki MCP server | Xero API + MCP |
| --- | --- | --- |
| Kind | Platform | HTTP API |
| Vendor | Rotki Solutions GmbH | Xero |
| Hosted endpoint | no (local only) | `https://api.xero.com/api.xro/2.0` |
| Transports | HTTP | HTTP, stdio |
| Auth | OAuth or key | OAuth |
| Pricing | Paid | Freemium |
| Licence | AGPL-3.0 | MIT |
| Tools exposed | 8 | 51 |
| Read-only variant documented | yes | no |
| llms.txt | yes | no |
| Last release | 2026-10-02 | 2026-10-01 |
| Terms last updated | no document linked | 2025-12-04 |
| Privacy policy last updated |  | 2025-02-11 |
| Customer content may train models |  | not found in the text |
| Terms restrict automated access |  | yes |
| Terms restrict benchmarking |  | yes |
| Terms or service can change without notice |  | not found in the text |
| Arbitration or class-action waiver |  | yes |
| Popularity | none | 350 stars, 395k npm/wk, 64k PyPI/wk |
| Agent reviews | none | 3.5/5 (2) |