Sophtron

A Claude Desktop MCP server for querying bank accounts, credit cards, and transactions via Sophtron's financial data API.

Patched for Claude — forked from sophtron/chagpt-mcp which was built exclusively for ChatGPT. This version replaces the OpenAI-specific transport, auth, and widget code with a standard stdio MCP server that works with Claude Desktop, Claude Code, and any MCP-compatible client.

Free alternative to requiring a paid budgeting app (Monarch Money, YNAB, etc.) as middleware. Sophtron provides free API access for individual use, connecting directly to 12,000+ financial institutions via their data aggregation layer.

Setup

1. Get Sophtron credentials

Sign up at sophtron.com and get your User ID and Access Key.

2. Install

git clone https://github.com/312-dev/sophtron-mcp.git
cd sophtron-mcp
npm install
npm run build

3. Configure credentials

cp .env.example .env
# Edit .env with your Sophtron User ID and Access Key

4. Add to Claude Desktop

Add this to your ~/Library/Application Support/Claude/claude_desktop_config.json:

{
  "mcpServers": {
    "sophtron": {
      "command": "node",
      "args": ["/path/to/sophtron-mcp/dist/index.js"],
      "env": {
        "SOPHTRON_USER_ID": "your-user-id",
        "SOPHTRON_ACCESS_KEY": "your-access-key"
      }
    }
  }
}

Or for Claude Code, add to ~/.claude.json under mcpServers:

{
  "sophtron": {
    "type": "stdio",
    "command": "node",
    "args": ["/path/to/sophtron-mcp/dist/index.js"],
    "env": {
      "SOPHTRON_USER_ID": "your-user-id",
      "SOPHTRON_ACCESS_KEY": "your-access-key"
    }
  }
}

5. Connect your bank

Bank connections are managed through Sophtron's infrastructure. To link your accounts:

1. Use the Sophtron widget through their ChatGPT integration or web portal to connect your bank
2. Once connected, this MCP server can query all your account data from Claude

Available tools

Tool	Description
setup_customer	Create or find a Sophtron customer profile (run first)
get_customer	Look up a customer by name
list_connections	List all linked bank connections
save_connection	Manually save a connection reference
list_accounts	List all accounts across all connections
get_account	Get details for a specific account
get_member_accounts	List accounts for a specific bank connection
get_transactions	Get transactions for an account (defaults to last 90 days)
get_identity	Get profile/identity info for a connection
search_institutions	Search for banks by name

How it works

This server communicates with Sophtron's REST API using HMAC-SHA256 signed requests. Your credentials never leave your machine — they're used locally to sign API calls.

Data is cached locally in ~/.sophtron-mcp/:

• customer.json — your Sophtron customer ID
• connections.json — saved bank connection references

What changed from the original

The upstream repo is built for ChatGPT with:

• OpenAI-specific widget rendering (window.openai.setWidgetState)
• OAuth2 JWT authentication flow
• Express HTTP transport only
• In-memory connection storage
• structuredContent and openai/* metadata

This fork replaces all of that with:

• Standard MCP stdio transport (works with any MCP client)
• Direct HMAC API authentication (no OAuth needed)
• Disk-based persistence
• Clean tool definitions without vendor lock-in

License

MIT