{ "data": { "a": { "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" }, "answer": "Zoho Books scores 61.1 (C) on agent readiness against rotki MCP server's 45.6 (E), and leads in 5 of 7 scored categories. rotki MCP server leads on schema \u0026 documentation and agent ergonomics.", "b": { "slug": "zoho-books", "name": "Zoho Books", "vendor": "Zoho", "vendorUrl": "https://www.zoho.com/books/", "kind": "http-api", "category": "accounting", "summary": "Zoho Books is hosted accounting software from Zoho for small and mid-sized businesses. Agents reach it through the REST API v3, covering invoices, bills, payments, banking, journals and the chart of accounts behind OAuth 2.0.", "url": "https://www.anchorterminal.com/tools/zoho-books", "markdownUrl": "https://www.anchorterminal.com/tools/zoho-books.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/zoho-books.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/zoho-books.json", "license": "Proprietary service under Zoho's Terms of Service", "transports": [ "http" ], "remoteUrl": "https://www.zohoapis.com/books/v3", "packages": [], "auth": "oauth", "authNotes": "OAuth 2.0 only. A person registers a client in the Zoho developer console (a server-based application, or a self client for one's own organisation) and approves scopes, which narrow to one module and one operation. The access token lasts one hour and goes in `Authorization: Zoho-oauthtoken \u003ctoken\u003e`. The refresh token lasts until revoked. Every call also needs `organization_id`. Each data centre has its own accounts host and API domain. Registration is self-serve, with no app review or sales approval found for use inside one's own organisation.", "pricing": "freemium", "pricingNotes": "Free plan for one user and one accountant with 1,000 API requests a day, open to businesses with yearly revenue under $50,000. Paid plans cost $15 to $240 an organisation a month billed yearly in the US edition ($20 to $275 monthly) and have a 14-day trial. The plan sets the daily API cap, up to 10,000. No sandbox organisation was found, so an agent starts on the Free plan or a trial (https://www.zoho.com/us/books/pricing/, checked 2026-10-08).", "priceSummary": "$15 / mo", "where": "hosted", "x402": { "level": "no", "evidence": "No x402, MPP or L402 in the API docs, the OpenAPI files or the pricing page (checked 2026-10-08).", "endpoints": [] }, "toolCount": null, "popularity": { "githubStars": null, "npmWeekly": null, "pypiWeekly": null, "asOf": "2026-10-08" }, "docsUrl": "https://www.zoho.com/books/api/v3/introduction/", "llmsTxt": "https://www.zoho.com/us/books/help/llms.txt", "openapi": "https://www.zoho.com/books/api/v3/openapi-all.zip", "capabilities": [ "accounting.ledger", "accounting.invoices", "accounting.bills" ], "tags": [ "hosted", "closed-source", "oauth", "openapi", "mcp", "webhooks", "free-tier", "status-page", "bug-bounty", "soc2" ], "lastRelease": "2026-10-07", "graded": true, "anchor": { "graded": true, "score": 61.1, "grade": "C", "agentReady": false, "rank": 484, "ranked": true, "rankOf": 954, "categoryRank": 6, "methodology": "0.4", "run": "2026-10-01", "scores": { "ergonomics": 51, "maintenance": 56, "payments": 30, "reliability": 71, "schema": 71, "security": 68, "transparency": 75 }, "pending": [ "performance", "tasks" ], "assessment": { "confidence": "medium", "date": "2026-10-08" }, "negative": 0, "verdict": "The public OpenAPI files cover 885 operations with OAuth scopes per module and operation, and the Free plan allows 1,000 API requests a day. No report endpoint, official SDK, SLA or dated API changelog was found, and the documented token calls put the client secret in the URL.", "bestFor": "Small businesses already on Zoho that want an agent to raise invoices, record bills and payments, reconcile bank transactions and post journals with narrow scopes.", "strengths": [ "OpenAPI 3.0.0 files for 45 resources and 885 operations download from the docs as `openapi-all.zip`", "OAuth scopes narrow to one module and one operation, such as `ZohoBooks.invoices.READ`", "Every API reference operation has a Markdown twin, such as `/books/api/v3/invoices/create-an-invoice.md`", "The Free plan includes 1,000 API requests a day per the plan comparison", "The API Usage dashboard lists recent calls by user, module, IP address and application" ], "weaknesses": [ "No profit and loss, balance sheet or other report endpoint appears in the API docs or the OpenAPI files", "The documented token and refresh calls put the client secret and refresh token in the URL query string", "Daily caps are low, 1,000 requests on Free and 10,000 on the top three plans", "No official SDK, SLA, API deprecation policy or dated API changelog found in the reviewed pages", "429 is documented without a Retry-After header or backoff guidance" ], "agentNotes": [ "Send `organization_id` as a query parameter on every call. Read it from `GET /organizations` first", "Use the `api_domain` returned with the token, since each of the nine data centres has its own host (zohoapis.com, zohoapis.eu, zohoapis.in and others)", "Send `Authorization: Zoho-oauthtoken \u003ctoken\u003e` and refresh hourly. Each user keeps at most 20 refresh tokens and the oldest is deleted", "Stay under 100 requests a minute and the plan's daily cap. Codes 44, 45 and 1070 on a 429 mean minute, day and concurrency limits", "To repeat an update safely, send `X-Unique-Identifier-Key`, `X-Unique-Identifier-Value` and `X-Upsert` with a unique custom field. Creates have no idempotency key" ], "metrics": { "kind": "remote", "measured": false }, "reviewCount": 0, "avgRating": 0, "history": [ { "basis": "public evidence", "confidence": "medium", "grade": "C", "methodology": "0.4", "pending": [ "performance", "tasks" ], "run": "2026-10-01", "runLabel": "October 2026 research run", "score": 61.1 } ], "editorialScores": { "ergonomics": 51, "maintenance": 56, "payments": 30, "reliability": 71, "schema": 71, "security": 68, "transparency": 54 }, "provenanceScore": 95 }, "connect": { "http": "curl -X GET 'https://www.zohoapis.com/books/v3/organizations' \\\n -H \"Authorization: Zoho-oauthtoken $ZOHO_ACCESS_TOKEN\"" }, "letme": { "capability": "https://letme.dev/accounting.ledger", "tool": "https://letme.dev/zoho-books" }, "sameCompany": [ "zoho-zeptomail", "zoho-crm", "zoho-desk", "zoho-recruit", "zoho-people", "zoho-mail" ], "area": "domain-data", "unitPrices": [ { "item": "Standard", "unit": "month", "usd": 15, "note": "per organisation, billed yearly; $20 billed monthly; 3 users, 2,000 API requests a day" }, { "item": "Professional", "unit": "month", "usd": 40, "note": "per organisation, billed yearly; $50 billed monthly; 5 users, 5,000 API requests a day" }, { "item": "Premium", "unit": "month", "usd": 60, "note": "per organisation, billed yearly; $70 billed monthly; 10 users, 10,000 API requests a day" }, { "item": "Elite", "unit": "month", "usd": 120, "note": "per organisation, billed yearly; $150 billed monthly; 10 users, 10,000 API requests a day" }, { "item": "Ultimate", "unit": "month", "usd": 240, "note": "per organisation, billed yearly; $275 billed monthly; 15 users, 10,000 API requests a day" }, { "item": "Additional user", "unit": "seat-month", "usd": 2.5, "note": "billed yearly; $3 billed monthly; paid plans only" } ], "provenance": { "legalEntity": "Zoho Corporation Private Limited", "domain": "zoho.com", "domainRegistered": "2004-01-16", "domainNote": "API calls go to www.zohoapis.com and its regional equivalents, a Zoho domain other than zoho.com.", "endpointOnVendorDomain": true, "terms": "https://www.zoho.com/terms.html", "privacy": "https://www.zoho.com/privacy.html", "statusPage": "https://status.zoho.com", "changelog": "https://www.zoho.com/books/whats-new.html", "securityTxt": "valid", "checked": "2026-10-08", "notes": [ "The Terms of Service (last updated 2 March 2022) are the service agreement for Zoho's online services. The contracting entity depends on the customer's region, Zoho Corporation Private Limited for India and Zoho Corporation for the United States (https://www.zoho.com/legal/zoho-contracting-entities.html).", "A separate Zoho Developer Agreement at https://www.zoho.com/developer/terms.html covers the developer tools.", "The privacy policy was last updated on 22 December 2025 and covers Zoho's websites and the products on them.", "security.txt at www.zoho.com gives a bug bounty contact, security@zohocorp.com, a policy link and an expiry of 30 June 2028.", "The changelog link is the product What's New page, newest entry 31 July 2026. No dated API changelog was found.", "RDAP for zoho.com gives a registration date of 2004-01-16." ], "score": 95 }, "pageJsonUrl": "https://www.anchorterminal.com/tools/zoho-books.json", "live": { "slug": "zoho-books", "probe": { "target": "https://www.zohoapis.com/books/v3", "method": "get", "lastAt": "2026-10-10T13:02:38.708312533Z", "lastOk": true, "lastStatus": 404, "lastMs": 456, "authRequired": false, "uptime24h": 100, "uptime30d": 100, "p50ms24h": 446, "p95ms24h": 528, "samples24h": 246, "samples30d": 434, "days": [ { "date": "2026-10-08", "probes": 50, "ok": 50 }, { "date": "2026-10-09", "probes": 250, "ok": 250 }, { "date": "2026-10-10", "probes": 134, "ok": 134 } ] }, "vendorStatus": { "page": "https://status.zoho.com", "indicator": "unknown", "summary": "no machine-readable status found", "checkedAt": "2026-10-10T11:53:52.925308835Z" }, "securityTxt": { "url": "https://zoho.com/.well-known/security.txt", "state": "valid", "expires": "2028-06-30T23:59:59.000Z", "checkedAt": "2026-10-09T15:40:32.838784892Z" }, "llmsTxt": { "url": "https://www.zoho.com/us/books/help/llms.txt", "ok": true, "status": 200, "checkedAt": "2026-10-09T14:03:03.091340117Z" }, "pages": [ { "url": "https://www.zoho.com/books/whats-new.html", "kind": "changelog", "status": 200, "checkedAt": "2026-10-09T18:56:01.787801916Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "46dea34a4e0c" }, { "url": "https://www.zoho.com/us/books/pricing/", "kind": "pricing", "status": 200, "checkedAt": "2026-10-09T18:56:31.834893798Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "0f13d7184599" }, { "url": "https://www.zoho.com/privacy.html", "kind": "privacy", "status": 304, "checkedAt": "2026-10-09T18:56:23.852103607Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "08dac5e34d5e" }, { "url": "https://www.zoho.com/terms.html", "kind": "terms", "status": 304, "checkedAt": "2026-10-09T18:56:29.853621104Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "05eeda99f291" } ], "updatedAt": "2026-10-10T13:02:38.708312533Z" } }, "facts": [ { "a": "Platform", "b": "HTTP API", "name": "Kind" }, { "a": "Rotki Solutions GmbH", "b": "Zoho", "name": "Vendor" }, { "a": "no (local only)", "b": "https://www.zohoapis.com/books/v3", "name": "Hosted endpoint" }, { "a": "HTTP", "b": "HTTP", "name": "Transports" }, { "a": "OAuth or key", "b": "OAuth", "name": "Auth" }, { "a": "Paid", "b": "Freemium", "name": "Pricing" }, { "a": "no", "b": "no", "name": "x402" }, { "a": "AGPL-3.0", "b": "Proprietary service under Zoho's Terms of Service", "name": "Licence" }, { "a": "8", "b": "none", "name": "Tools exposed" }, { "a": "yes", "b": "no", "name": "Read-only variant documented" }, { "a": "yes", "b": "yes", "name": "llms.txt" }, { "a": "2026-10-02", "b": "2026-10-07", "name": "Last release" }, { "a": "no document linked", "b": "2022-03-02", "name": "Terms last updated" }, { "a": "", "b": "2025-12-22", "name": "Privacy policy last updated" }, { "a": "", "b": "yes", "name": "Customer content may train models" }, { "a": "", "b": "not found in the text", "name": "Terms restrict automated access" }, { "a": "", "b": "yes", "name": "Terms restrict benchmarking" }, { "a": "", "b": "not found in the text", "name": "Terms or service can change without notice" }, { "a": "", "b": "not found in the text", "name": "Arbitration or class-action waiver" } ], "faq": [ { "answer": "Zoho Books scores 61.1 (C) on agent readiness against rotki MCP server's 45.6 (E), and leads in 5 of 7 scored categories. rotki MCP server leads on schema \u0026 documentation and agent ergonomics.", "question": "Which is better for AI agents, rotki MCP server or Zoho Books?" }, { "answer": "No hosted endpoint is listed for rotki MCP server. Zoho Books has a hosted endpoint at https://www.zohoapis.com/books/v3.", "question": "Can an agent call rotki MCP server and Zoho Books without installing anything?" }, { "answer": "rotki MCP server is open source (AGPL-3.0). No open-source release is listed for Zoho Books.", "question": "Are rotki MCP server and Zoho Books open source?" } ], "goodFor": [ { "aheadOn": [ "Schema \u0026 documentation, 76 against 71", "Agent ergonomics, 69 against 51" ], "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" }, { "aheadOn": [ "Reliability, 71 against 50", "Security \u0026 auth, 68 against 20", "Payments \u0026 pricing, 30 against 10", "Maintenance \u0026 community, 56 against 35", "Transparency \u0026 trust, 75 against 48" ], "also": [ "A hosted endpoint, with nothing to install" ], "goodFor": "Small businesses already on Zoho that want an agent to raise invoices, record bills and payments, reconcile bank transactions and post journals with narrow scopes.", "slug": "zoho-books", "watchFor": "No profit and loss, balance sheet or other report endpoint appears in the API docs or the OpenAPI files" } ], "job": { "capability": "accounting.ledger", "name": "Accounting ledgers" }, "others": [ { "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/apideck-accounting-vs-zoho-books.json", "title": "Apideck Accounting API + MCP vs Zoho Books", "url": "https://www.anchorterminal.com/compare/apideck-accounting-vs-zoho-books" }, { "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/codat-vs-zoho-books.json", "title": "Codat vs Zoho Books", "url": "https://www.anchorterminal.com/compare/codat-vs-zoho-books" }, { "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/freeagent-vs-zoho-books.json", "title": "FreeAgent API vs Zoho Books", "url": "https://www.anchorterminal.com/compare/freeagent-vs-zoho-books" }, { "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/freshbooks-vs-zoho-books.json", "title": "FreshBooks API vs Zoho Books", "url": "https://www.anchorterminal.com/compare/freshbooks-vs-zoho-books" }, { "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/merge-accounting-vs-zoho-books.json", "title": "Merge Accounting API vs Zoho Books", "url": "https://www.anchorterminal.com/compare/merge-accounting-vs-zoho-books" }, { "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/odoo-vs-zoho-books.json", "title": "Odoo External API vs Zoho Books", "url": "https://www.anchorterminal.com/compare/odoo-vs-zoho-books" }, { "json": "https://www.anchorterminal.com/compare/pennylane-vs-rotki-mcp.json", "title": "Pennylane vs rotki MCP server", "url": "https://www.anchorterminal.com/compare/pennylane-vs-rotki-mcp" }, { "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/quickbooks-online-vs-zoho-books.json", "title": "QuickBooks Online API + MCP vs Zoho Books", "url": "https://www.anchorterminal.com/compare/quickbooks-online-vs-zoho-books" }, { "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/rutter-vs-zoho-books.json", "title": "Rutter Accounting API vs Zoho Books", "url": "https://www.anchorterminal.com/compare/rutter-vs-zoho-books" }, { "json": "https://www.anchorterminal.com/compare/xero-vs-zoho-books.json", "title": "Xero API + MCP vs Zoho Books", "url": "https://www.anchorterminal.com/compare/xero-vs-zoho-books" }, { "json": "https://www.anchorterminal.com/compare/invoice-ninja-vs-zoho-books.json", "title": "Invoice Ninja API vs Zoho Books", "url": "https://www.anchorterminal.com/compare/invoice-ninja-vs-zoho-books" } ], "scores": [ { "by": 21, "edge": "zoho-books", "key": "reliability", "name": "Reliability", "rotki-mcp": 50, "weight": 16, "zoho-books": 71 }, { "key": "performance", "name": "Performance", "pending": true, "weight": 10 }, { "by": 5, "edge": "rotki-mcp", "key": "schema", "name": "Schema \u0026 documentation", "rotki-mcp": 76, "weight": 13, "zoho-books": 71 }, { "by": 18, "edge": "rotki-mcp", "key": "ergonomics", "name": "Agent ergonomics", "rotki-mcp": 69, "weight": 13, "zoho-books": 51 }, { "by": 48, "edge": "zoho-books", "key": "security", "name": "Security \u0026 auth", "rotki-mcp": 20, "weight": 14, "zoho-books": 68 }, { "by": 20, "edge": "zoho-books", "key": "payments", "name": "Payments \u0026 pricing", "rotki-mcp": 10, "weight": 10, "zoho-books": 30 }, { "key": "tasks", "name": "Task success", "pending": true, "weight": 10 }, { "by": 21, "edge": "zoho-books", "key": "maintenance", "name": "Maintenance \u0026 community", "rotki-mcp": 35, "weight": 7, "zoho-books": 56 }, { "by": 27, "edge": "zoho-books", "key": "transparency", "name": "Transparency \u0026 trust", "rotki-mcp": 48, "weight": 7, "zoho-books": 75 } ], "summary": "Zoho Books scores 61.1 (C) on agent readiness against rotki MCP server's 45.6 (E), and leads in 5 of 7 scored categories. rotki MCP server leads on schema \u0026 documentation and agent ergonomics. Both do accounting ledgers.", "verdicts": { "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.", "zoho-books": "The public OpenAPI files cover 885 operations with OAuth scopes per module and operation, and the Free plan allows 1,000 API requests a day. No report endpoint, official SDK, SLA or dated API changelog was found, and the documented token calls put the client secret in the URL." } }, "kind": "anchor.page", "links": { "api": "https://www.anchorterminal.com/api/v1/index.json", "html": "https://www.anchorterminal.com/compare/rotki-mcp-vs-zoho-books", "json": "https://www.anchorterminal.com/compare/rotki-mcp-vs-zoho-books.json", "llms": "https://www.anchorterminal.com/llms.txt", "markdown": "https://www.anchorterminal.com/compare/rotki-mcp-vs-zoho-books.md", "slim": "https://www.anchorterminal.com/compare/rotki-mcp-vs-zoho-books.min.md" }, "markdown": "Zoho Books scores 61.1 (C) on agent readiness against rotki MCP server's 45.6 (E), and leads in 5 of 7 scored categories. rotki MCP server leads on schema \u0026 documentation and agent ergonomics. Both do accounting ledgers.\n\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- Zoho Books: grade C, 61.1/100, rank #484 of 954. Markdown https://www.anchorterminal.com/tools/zoho-books.md · JSON https://www.anchorterminal.com/api/v1/tools/zoho-books.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### 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\nAhead on:\n- Schema \u0026 documentation, 76 against 71\n- Agent ergonomics, 69 against 51\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### Zoho Books (C)\n\nGood for: Small businesses already on Zoho that want an agent to raise invoices, record bills and payments, reconcile bank transactions and post journals with narrow scopes.\n\nAhead on:\n- Reliability, 71 against 50\n- Security \u0026 auth, 68 against 20\n- Payments \u0026 pricing, 30 against 10\n- Maintenance \u0026 community, 56 against 35\n- Transparency \u0026 trust, 75 against 48\n\nAlso in its favour:\n- A hosted endpoint, with nothing to install\n\nWatch for: No profit and loss, balance sheet or other report endpoint appears in the API docs or the OpenAPI files\n\n\n## Score by category\n\n| Category | Weight | rotki MCP server | Zoho Books | Edge |\n| --- | --- | --- | --- | --- |\n| Reliability | 16% (20 this run) | 50 | 71 | Zoho Books +21 |\n| Performance | 10%, pending | pending | pending | not scored in this run |\n| Schema \u0026 documentation | 13% (16.2 this run) | 76 | 71 | rotki MCP server +5 |\n| Agent ergonomics | 13% (16.2 this run) | 69 | 51 | rotki MCP server +18 |\n| Security \u0026 auth | 14% (17.5 this run) | 20 | 68 | Zoho Books +48 |\n| Payments \u0026 pricing | 10% (12.5 this run) | 10 | 30 | Zoho Books +20 |\n| Task success | 10%, pending | pending | pending | not scored in this run |\n| Maintenance \u0026 community | 7% (8.8 this run) | 35 | 56 | Zoho Books +21 |\n| Transparency \u0026 trust | 7% (8.8 this run) | 48 | 75 | Zoho Books +27 |\n| Negative events | ≤15 | 0 | 0 | |\n| **Total** | | **45.6 · E** | **61.1 · C** | |\n\n## Facts side by side\n\n| Fact | rotki MCP server | Zoho Books |\n| --- | --- | --- |\n| Kind | Platform | HTTP API |\n| Vendor | Rotki Solutions GmbH | Zoho |\n| Hosted endpoint | no (local only) | `https://www.zohoapis.com/books/v3` |\n| Transports | HTTP | HTTP |\n| Auth | OAuth or key | OAuth |\n| Pricing | Paid | Freemium |\n| x402 | no | no |\n| Licence | AGPL-3.0 | Proprietary service under Zoho's Terms of Service |\n| Tools exposed | 8 | none |\n| Read-only variant documented | yes | no |\n| llms.txt | yes | yes |\n| Last release | 2026-10-02 | 2026-10-07 |\n| Terms last updated | no document linked | 2022-03-02 |\n| Privacy policy last updated | | 2025-12-22 |\n| Customer content may train models | | yes |\n| Terms restrict automated access | | not found in the text |\n| Terms restrict benchmarking | | yes |\n| Terms or service can change without notice | | not found in the text |\n| Arbitration or class-action waiver | | not found in the text |\n\n## Verdicts\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**Zoho Books.** The public OpenAPI files cover 885 operations with OAuth scopes per module and operation, and the Free plan allows 1,000 API requests a day. No report endpoint, official SDK, SLA or dated API changelog was found, and the documented token calls put the client secret in the URL.\n\n## Before you call either\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### Zoho Books\n\n1. Send `organization_id` as a query parameter on every call. Read it from `GET /organizations` first\n2. Use the `api_domain` returned with the token, since each of the nine data centres has its own host (zohoapis.com, zohoapis.eu, zohoapis.in and others)\n3. Send `Authorization: Zoho-oauthtoken \u003ctoken\u003e` and refresh hourly. Each user keeps at most 20 refresh tokens and the oldest is deleted\n4. Stay under 100 requests a minute and the plan's daily cap. Codes 44, 45 and 1070 on a 429 mean minute, day and concurrency limits\n5. To repeat an update safely, send `X-Unique-Identifier-Key`, `X-Unique-Identifier-Value` and `X-Upsert` with a unique custom field. Creates have no idempotency key\n\n## Questions\n\n### Which is better for AI agents, rotki MCP server or Zoho Books?\n\nZoho Books scores 61.1 (C) on agent readiness against rotki MCP server's 45.6 (E), and leads in 5 of 7 scored categories. rotki MCP server leads on schema \u0026 documentation and agent ergonomics.\n\n### Can an agent call rotki MCP server and Zoho Books without installing anything?\n\nNo hosted endpoint is listed for rotki MCP server. Zoho Books has a hosted endpoint at https://www.zohoapis.com/books/v3.\n\n### Are rotki MCP server and Zoho Books open source?\n\nrotki MCP server is open source (AGPL-3.0). No open-source release is listed for Zoho Books.\n\n\n## For agents\n\n- This comparison as JSON: https://www.anchorterminal.com/compare/rotki-mcp-vs-zoho-books.json, and with the fewest tokens: https://www.anchorterminal.com/compare/rotki-mcp-vs-zoho-books.min.md\n- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {\"a\": \"rotki-mcp\", \"b\": \"zoho-books\"}`. From a terminal: `anchor compare rotki-mcp zoho-books`\n- Each listing in full: https://www.anchorterminal.com/api/v1/tools/rotki-mcp.json and https://www.anchorterminal.com/api/v1/tools/zoho-books.json\n\n## Other comparisons with rotki MCP server or Zoho Books\n\n- [Apideck Accounting API + MCP vs rotki MCP server](https://www.anchorterminal.com/compare/apideck-accounting-vs-rotki-mcp.md)\n- [Apideck Accounting API + MCP vs Zoho Books](https://www.anchorterminal.com/compare/apideck-accounting-vs-zoho-books.md)\n- [Codat vs rotki MCP server](https://www.anchorterminal.com/compare/codat-vs-rotki-mcp.md)\n- [Codat vs Zoho Books](https://www.anchorterminal.com/compare/codat-vs-zoho-books.md)\n- [FreeAgent API vs rotki MCP server](https://www.anchorterminal.com/compare/freeagent-vs-rotki-mcp.md)\n- [FreeAgent API vs Zoho Books](https://www.anchorterminal.com/compare/freeagent-vs-zoho-books.md)\n- [FreshBooks API vs rotki MCP server](https://www.anchorterminal.com/compare/freshbooks-vs-rotki-mcp.md)\n- [FreshBooks API vs Zoho Books](https://www.anchorterminal.com/compare/freshbooks-vs-zoho-books.md)\n- [Merge Accounting API vs rotki MCP server](https://www.anchorterminal.com/compare/merge-accounting-vs-rotki-mcp.md)\n- [Merge Accounting API vs Zoho Books](https://www.anchorterminal.com/compare/merge-accounting-vs-zoho-books.md)\n- [Odoo External API vs rotki MCP server](https://www.anchorterminal.com/compare/odoo-vs-rotki-mcp.md)\n- [Odoo External API vs Zoho Books](https://www.anchorterminal.com/compare/odoo-vs-zoho-books.md)\n- [Pennylane vs rotki MCP server](https://www.anchorterminal.com/compare/pennylane-vs-rotki-mcp.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- [QuickBooks Online API + MCP vs Zoho Books](https://www.anchorterminal.com/compare/quickbooks-online-vs-zoho-books.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- [Rutter Accounting API vs Zoho Books](https://www.anchorterminal.com/compare/rutter-vs-zoho-books.md)\n- [Xero API + MCP vs Zoho Books](https://www.anchorterminal.com/compare/xero-vs-zoho-books.md)\n- [Invoice Ninja API vs Zoho Books](https://www.anchorterminal.com/compare/invoice-ninja-vs-zoho-books.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": "rotki MCP server vs Zoho Books", "url": "" } ], "description": "Zoho Books scores 61.1 (C) to rotki's 45.6 (E) for accounting ledgers. Prices, MCP, x402, uptime and agent notes side by side.", "facts": [ "rotki MCP server E 45.6", "Zoho Books C 61.1", "scores" ], "h1": "rotki MCP server vs Zoho Books", "image": "https://www.anchorterminal.com/assets/og/compare-rotki-mcp-vs-zoho-books.png", "path": "/compare/rotki-mcp-vs-zoho-books", "published": "2026-10-01", "section": "tools", "title": "rotki vs Zoho Books for AI agents in 2026: scores and prices", "toc": null, "updated": "2026-10-10", "url": "https://www.anchorterminal.com/compare/rotki-mcp-vs-zoho-books" }, "tokens": { "markdown": 2500, "slim": 680 }, "version": 1 }