Jaz AI

The complete agent surface for Jaz accounting. 357 tools, 6 skills, 16 IFRS recipes, 13 calculators, 12 close playbooks. Works with any agent: Claude, GPT, Gemini, Copilot, Cursor. Token-lean discovery, first-try tool selection, structured errors an agent can recover from.

Also fully compatible with Juan Accounting (same API surface).

Contents

• Install · 30 seconds
• What you get
• Three layers
• Quick start
• Token economics + speed
• For AI agents
• For accountants
• Reference
• Troubleshooting
• Privacy & security
• Support

Install · 30 seconds

Your agent	Install
Claude.ai · ChatGPT · Cowork (hosted, no install)	Add a custom connector → https://mcp.jaz.ai/mcp → sign in. See Remote connector.
Microsoft 365 Copilot · Copilot Studio (hosted, no install)	Add an MCP tool → https://mcp.jaz.ai/mcp → OAuth sign-in. See Microsoft 365 Copilot.
Claude Code	/plugin marketplace add teamtinvio/jaz-ai
Claude Desktop	Install the .mcpb from latest release
Cursor / Windsurf	Add the stdio MCP config (below)
VS Code (incl. GitHub Copilot)	Add the VS Code MCP config (below) to .vscode/mcp.json
Gemini CLI	gemini extensions install https://github.com/teamtinvio/jaz-ai
OpenAI Codex CLI / Agents SDK	Add the stdio MCP config (below)
OpenAI Responses API	Hosted HTTP MCP only (see Responses API note)
npm (CLI)	npm install -g jaz-clio && clio auth add <jk-your-api-key>

Stdio MCP config (Claude Desktop, Cursor, Windsurf, OpenAI Codex CLI / Agents SDK, any host that runs MCP servers as local processes):

{
  "mcpServers": {
    "jaz": {
      "command": "npx",
      "args": ["-y", "[email protected]", "mcp"],
      "env": { "JAZ_API_KEY": "jk-your-api-key" }
    }
  }
}

VS Code MCP config (.vscode/mcp.json, workspace-scoped, read by VS Code and the GitHub Copilot Chat extension):

{
  "servers": {
    "jaz": {
      "command": "npx",
      "args": ["-y", "[email protected]", "mcp"],
      "env": { "JAZ_API_KEY": "jk-your-api-key" }
    }
  }
}

Pin [email protected] for stability, or jaz-clio@latest for auto-updates. Multi-org: comma-separated keys, e.g. "JAZ_API_KEY": "jk-aaa,jk-bbb". Personal access tokens (pat-...) also work for multi-org.

Remote connector · no install

Bring Jaz into Claude (claude.ai, Desktop, mobile, Cowork) and ChatGPT with no install and no API key in any config. Just sign in.

1. In Claude: Settings → Connectors → Add custom connector (ChatGPT: Add a connector).
2. Enter the URL https://mcp.jaz.ai/mcp.
3. Sign in with your Jaz account (email one-time code or passkey) and Allow.

It uses OAuth 2.1 + PKCE: the agent receives a scoped, time-limited token tied to your account, never your password. One sign-in reaches every organization you belong to; name the org in your request (e.g. "in Acme Pte Ltd, list unpaid invoices"), and access to each is checked on every call. Same tool surface as the local server, with honest read-only / write / destructive hints. Bookkeeping only: it records entries and reads data. It moves no money.

Microsoft 365 Copilot · Copilot Studio

Bring Jaz into Microsoft 365 Copilot through a Copilot Studio agent. Cloud to cloud: no install, no API key in any config.

1. In Copilot Studio, open your agent and go to Tools → Add a tool → New tool → Model Context Protocol.
2. Enter the server name (Jaz), a short description, and the URL https://mcp.jaz.ai/mcp.
3. Authentication: OAuth 2.0 → Dynamic discovery → Create → Next.
4. On the Add tool dialog, select Create a new connection, sign in with your Jaz account, and Allow.
5. Select Add to agent, then publish the agent to Microsoft 365 Copilot or Teams as usual.

Same tool surface and per-call organization checks as the remote connector; the sign-in here uses OAuth 2.0 dynamic client registration. If your tenant restricts custom connectors, a Power Platform admin needs to allow this one.

Prefer a local install on the Microsoft stack? Copilot Studio is cloud-only and cannot run local MCP servers. Use VS Code with GitHub Copilot Chat instead: the VS Code MCP config runs Jaz locally with an API key, and npx jaz-clio init --platform copilot installs the skills to .github/copilot-instructions.md.

OpenAI Responses API

The Responses API only accepts HTTP MCP (no stdio). Point it at the hosted Jaz connector:

{
  "type": "mcp",
  "server_label": "jaz",
  "server_url": "https://mcp.jaz.ai/mcp",
  "headers": { "Authorization": "Bearer <your-oauth-token>" },
  "require_approval": "never"
}

The endpoint is OAuth-gated (no static API key). Obtain a token through the remote connector sign-in and pass it as a bearer token. To use a plain API key instead, take the OpenAI Codex CLI / Agents SDK stdio path above.

Just want skills (no MCP, any agent on the Agent Skills standard):

npx jaz-clio init                  # auto-detects your agent
npx jaz-clio init --platform cursor
npx jaz-clio init --no-rules       # skills only, skip the agent-rules file
npx jaz-clio init --check          # report drift between installed agent-rules version and current

Skills install to .agents/skills/ (Agent Skills standard, used by Cursor, Copilot, Codex, Antigravity, Windsurf, Goose, Roo Code, Junie, Amp, and more) or .claude/skills/ (Claude Code).

init also writes a one-page jaz-agent-rules.md block to the path your platform reads on workspace open, so any agent (Claude / GPT / Gemini / Copilot / Cursor) starts every session with the meta-tool discovery flow, the 6 API gotchas, and the recipe-engine carve-outs.

The block is wrapped in version-stamped markers (<!-- BEGIN jaz-agent-rules vX.Y.Z --> / <!-- END jaz-agent-rules -->), so re-running init updates only the Jaz block; your own rules above and below stay untouched. Run clio init --check to report drift between your installed version and the current package version (exit 1 = drift, exit 0 = current).

Platform	Rules file path
Claude Code	CLAUDE.md
Codex / Antigravity / Goose	AGENTS.md
GitHub Copilot	.github/copilot-instructions.md
Cursor	.cursor/rules/jaz.mdc (auto-loaded via alwaysApply: true)
Windsurf	.windsurf/rules/jaz.md
Gemini CLI	GEMINI.md

What you get

• 357 tools covering every Jaz endpoint. Each tool description disambiguates against similar tools, lists enum values inline, and notes which operations are safe to retry. The model picks the right tool on the first call.
• 6 skills with the production-grade rules and playbooks any agent needs:

Skill	What it teaches an agent
jaz-api	158 API rules, every endpoint, error catalog, field aliases, response shapes
jaz-cli	The clio command surface, auth precedence, output formats, pagination
jaz-conversion	Xero / QuickBooks / Sage / MYOB / Excel migration, CoA mapping, FX, clearing accounts, TB verification
jaz-jobs	12 close playbooks (month-end / quarter-end / year-end / bank-recon / GST-VAT / payment-run / credit-control / supplier-recon / audit-prep / FA-review / statutory-filing) + Singapore Form C-S
jaz-recipes	16 IFRS recipes (loans, IFRS 16 leases, depreciation, FX reval, ECL, IAS 37 provisions, asset disposal, etc.) + 13 calculators
jaz-pseudo-sql	Read-only SQL over the curated reporting schema: ad-hoc questions, joins and aggregates, sync preview or async CSV export

• 3 meta-tools (search_tools, describe_tools, execute_tool) for deferred discovery so the full catalog never has to load into context.
• Help center mirror at help-center-mirror/ synced weekly from Intercom.
• Structured-search DSL for natural-feeling queries (status:unpaid amount:>500 contact:Acme).

Three layers

The stack is one binary plus markdown skills, exposed through three layers that compose. The default agent setup is Skills + MCP. The CLI is the same binary as the MCP server with a different transport flag.

Layer	What it is	Use it alone when
Skills	Domain knowledge as markdown (158 API rules, 16 recipes, 12 jobs, conversion playbooks). The agent reads these at session start.	Your agent reads markdown but cannot call binaries (e.g., a Custom GPT with no actions).
CLI (jaz-clio)	A clio binary: 66 command groups + 13 offline calculators + 12 offline blueprints + live API access. Humans run it; agents shell out to it.	You're scripting CI / running offline calculators / a human is at the terminal.
MCP server (clio mcp)	The same binary in MCP mode: 357 tools as agent-callable functions with structured envelopes.	This is the default for any agent (Claude / GPT / Gemini / Copilot / Cursor) that takes accounting actions.

Skills layer on top of either. Most installs (Claude Code plugin, Claude Desktop MCPB, Cursor + MCP, Gemini extension) load Skills + MCP together. The MCP server runs locally (stdio, via the CLI binary) or hosted (the remote connector at mcp.jaz.ai, no install). Same tools either way.

Quick start

Once installed, skills load automatically when an agent works with Jaz. Describe what you need:

Close the books for Acme for January. Bank-recon DBS Current first.
Then file GST for Q1.

Or call the CLI directly:

clio invoices list --json
clio calc loan --principal 100000 --rate 6 --term 60 --json
clio jobs month-end --period 2025-01 --json

Or via MCP from any agent:

search_tools("anomalous bills")
  → download_export at rank 1
execute_tool("download_export", { exportType: "analysis-anomalous-bills" })
  → { fileName, fileUrl }

Token economics + speed

Built so any model sees the right tool fast and calls it once.

What	How
MCP delivery	3 meta-tools (~600 tokens) instead of all 357 tools (~78KB). The agent searches into the catalog only when needed.
OpenAI Responses API	Native deferred tool_search with namespace bundles. ~78% token reduction over a static tool list.
Anthropic delivery	Tool list cached via prompt-cache breakpoints (5-min TTL). System blocks cached. ~5KB/request savings after v5.4.4 cleanup.
Discovery ranker	In-memory, no network round-trip. Scans tool name + description + searchHint + namespace.
Disambiguation	Every tricky pair (download_export vs export_records, view_auto_reconciliation vs quick_reconcile, validate_drafts vs per-entity validators) has explicit "USE THIS, not X" preambles. Cuts the 1-3 wrong-tool retries.
Median tool call	Subsecond for read tools; bounded by the Jaz API + network.
Errors are structured	422 responses carry field-level details so the agent can self-correct without human input.

For AI agents

• Skills load automatically from .claude/skills/, .agents/skills/, the Claude Code marketplace, the Gemini CLI extension, or the Claude Desktop MCPB.
• Discovery is one-shot. 68 canonical-query lock-in tests guarantee the right tool at rank 1 for the queries that matter.
• Disambiguation is explicit. Tools that look similar carry "USE THIS, not X" preambles. No more guessing.
• Errors are structured. Server validation failures return field-level details so the agent can self-correct.
• Multi-org is native. Comma-separated keys (jk-aaa,jk-bbb) or PATs unlock cross-org tools (list_organizations, per-call org_id).
• CONTEXT.md captures runtime rules-of-engagement (bootstrap with clio context --json, search before create, mutate as draft first, never echo API keys).

For accountants

Run period work conversationally. Describe it to any agent:

Close March for Acme. Bank-recon DBS Current first. File GST for Q1.

13 calculators (clio calc loan / depreciation / lease / ecl / fx-reval / provision / fixed-deposit / asset-disposal / prepaid-expense / deferred-revenue / accrued-expense / leave-accrual / dividend), 12 job blueprints (clio jobs month-end / quarter-end / year-end / bank-recon / document-collection / gst-vat / payment-run / credit-control / supplier-recon / audit-prep / fa-review / statutory-filing), all with --json for structured blueprint output.

Reference

• CONTEXT.md · runtime rules-of-engagement for agents using the stack
• CHANGELOG.md · release notes
• Skills source · all 6 skills (jaz-api / jaz-cli / jaz-conversion / jaz-jobs / jaz-recipes / jaz-pseudo-sql)
• OpenAPI spec · full HTTP surface, synced weekly
• README-cli.md · npm-package README, full CLI command catalog
• help.jaz.ai · Jaz product help center
• CLI surface: 66 command groups across the clio binary

What's inside · skill file catalog

jaz-api

Reference	Content
SKILL.md	158 API rules: auth, IDs, dates, FX, payments, field aliases, response shapes
endpoints.md	Request/response examples for every core endpoint
errors.md	Error catalog with root causes and fixes
field-map.md	Intuitive name → actual field name mapping
search-reference.md	Filter fields, sort fields, operators for 28 search endpoints
search-enums.md	Valid enum values for every searchable filter field, by entity
search-syntax.md	Structured-search DSL: operators, precedence, and edge cases
full-api-surface.md	Complete endpoint catalog, enums, limits
dependencies.md	Resource creation order (currencies → CoA → transactions)
feature-glossary.md	Business context per feature
claims.md	Employee-expense claims: records, lifecycle, bulk actions, types/profiles/posting-rules, conversion, payouts
orders.md	Sale quotes/orders and purchase requests/orders: the pre-invoice/pre-bill pipeline
bank-rule-column-mapping.md	Bank-rule column-value mapping: resolve fields per statement row from a custom column

jaz-recipes (16 IFRS recipes + 13 calculators)

Reference	Content
SKILL.md	16 recipes in 4 tiers, building blocks, calculator index
building-blocks.md	Capsules, schedulers, manual journals, FA, tracking tags, nano classifiers
prepaid-amortization.md	Annual insurance/rent paid upfront, monthly scheduler recognition
deferred-revenue.md	Upfront customer payment, monthly revenue recognition
accrued-expenses.md	Month-end accrual + reversal cycle using dual schedulers
bank-loan.md	Loan disbursement, amortization table, monthly installments
ifrs16-lease.md	ROU asset + lease liability unwinding (IFRS 16)
declining-balance.md	DDB/150DB with switch-to-SL logic
fixed-deposit.md	Placement, compound interest accrual, maturity (IFRS 9)
hire-purchase.md	Like IFRS 16 but depreciate over useful life
asset-disposal.md	Sale/scrap/write-off with gain/loss (IAS 16)
fx-revaluation.md	Non-AR/AP FX revaluation with Day 1 reversal (IAS 21)
bad-debt-provision.md	ECL simplified approach provision matrix (IFRS 9)
employee-accruals.md	Leave (scheduler) + bonus (manual) accruals (IAS 19)
provisions.md	PV recognition + monthly discount unwinding (IAS 37)
dividend.md	Declaration + payment (two manual journals)
intercompany.md	Mirrored invoices/bills across two entities
capital-wip.md	CIP accumulation → FA transfer on completion

jaz-jobs (12 close playbooks + Singapore Form C-S)

Reference	Content
SKILL.md	12 jobs + SG tax computation, CLI commands, wizard workflow
building-blocks.md	Shared concepts: accounting periods, lock dates, period verification
month-end-close.md	5 phases, ~18 steps. Foundation for all period closes.
quarter-end-close.md	Monthly + quarterly extras (GST/VAT, ECL, bonus accruals)
year-end-close.md	Quarterly + annual extras (true-ups, dividends, CYE rollover)
bank-recon.md	Match, categorize, resolve unreconciled items
bank-match.md	5-phase cascade matcher (1:1, N:1, 1:N, N:M)
document-collection.md	Local + cloud (Dropbox / Drive / OneDrive) doc capture
gst-vat-filing.md	Tax ledger review, discrepancy check, filing summary
payment-run.md	Select bills by due date, process payments
credit-control.md	AR aging review, overdue chase list, bad debt
supplier-recon.md	AP vs supplier statement reconciliation
audit-prep.md	Compile reports, schedules, reconciliations for auditor
fa-review.md	Fixed asset register review, disposal/write-off
sg-tax/*.md	10 files: SG CIT framework, Form C-S fields, wizard, data extraction, add-backs, capital allowances, IFRS 16 tax adj, enhanced deductions, exemptions, loss carry-forward

jaz-conversion

Reference	Content
SKILL.md	Conversion domain knowledge, clearing account pattern, FX handling
mapping-rules.md	CoA, contact, and tax code mapping rules
option1-full.md	Full conversion (all transactions FY + FY-1)
option2-quick.md	Quick conversion (opening balances at FYE)
file-types.md	Supported file formats and detection heuristics
edge-cases.md	Platform-specific quirks (Sage 300, Xero rounding)
verification.md	Trial balance comparison and verification checklist
file-analysis.md	Excel/CSV structure analysis and smart detection

Troubleshooting

command not found: clio

Node.js is not installed, or npm's global bin directory is not on PATH.

node --version    # Need v18+. If missing, install LTS from https://nodejs.org
npm install -g jaz-clio
npm config get prefix    # e.g. /usr/local or ~/.nvm/versions/node/v22.x.x
export PATH="$(npm config get prefix)/bin:$PATH"   # Add to ~/.bashrc or ~/.zshrc

Auth error / 401 Unauthorized

Missing or invalid API key. Keys expire if regenerated in the Jaz app.

clio auth whoami
clio auth add <your-api-key>       # Get from Settings > API in Jaz
clio auth list                     # Confirm the right org is active

If you use env vars, set JAZ_API_KEY in the current shell or your MCP config's env block.

MCP not connecting

The config path is wrong, the command is wrong, or the server crashes on startup.

npx jaz-clio mcp                   # Smoke-test the server (Ctrl+C to stop)
claude mcp list                    # Confirm Claude Code sees "jaz"
claude mcp add jaz -- npx jaz-clio mcp

For Cursor / VS Code / Windsurf, validate the JSON and pin the API key:

{
  "command": "npx",
  "args": ["-y", "[email protected]", "mcp"],
  "env": { "JAZ_API_KEY": "jk-your-api-key" }
}

Pin JAZ_API_KEY in MCP config rather than relying on the active CLI profile. MCP servers cache credentials at startup so clio auth switch won't take effect until restart. For multi-org, use comma-separated keys.

Skills not loading

Files are in the wrong path, or your agent doesn't auto-discover from there.

ls .claude/skills/                 # Claude Code
ls .agents/skills/                 # Agent Skills standard (Cursor, Copilot, etc.)
npx jaz-clio init                  # Re-install with auto-detection

Each skill folder must contain SKILL.md plus its reference files. Manual copies often miss subdirectories.

EACCES permission denied on npm install

npm's global directory needs elevated permissions on macOS/Linux without nvm.

# Option A: nvm (recommended)
curl -o- https://raw.githubusercontent.com/nvm-sh/nvm/v0.40.3/install.sh | bash
nvm install --lts && npm install -g jaz-clio

# Option B: fix npm permissions
mkdir -p ~/.npm-global && npm config set prefix ~/.npm-global
export PATH="$HOME/.npm-global/bin:$PATH"   # Add to ~/.bashrc or ~/.zshrc
npm install -g jaz-clio

Stale data after org switch

You ran clio auth switch but the MCP server still uses the previous org (it cached auth at startup).

# In Claude Code: remove and re-add
claude mcp remove jaz && claude mcp add jaz -- npx jaz-clio mcp

# In Cursor / VS Code: restart the editor or reload MCP servers

Or use multi-org mode and skip restarts: comma-separated keys (jk-aaa,jk-bbb) and switch orgs in conversation.

Privacy & security

Runs entirely on your machine. API calls go directly from your machine to the Jaz API over HTTPS. No telemetry. The API key lives locally in ~/.config/jaz-clio/credentials.json.

The hosted remote connector (mcp.jaz.ai) is different by design: you connect over OAuth 2.1 + PKCE (no API key stored anywhere, never your password), requests run server-side over HTTPS, and the connector reaches the organizations your Jaz account belongs to; access is checked on every call.

Full policy: jaz.ai/legal. Vulnerability disclosure: SECURITY.md.

Support

• Help center: help.jaz.ai
• Issues: github.com/teamtinvio/jaz-ai/issues
• Email: [email protected]

License

MIT · Copyright (c) 2026 Jaz · Clio is a registered trademark.