Flip for developers
Flip is the AI money manager people text in iMessage. Agents and tools can plug into the same personal-finance surface through the Flip MCP server — read accounts, transactions, bills, and recurring spend, and run the workflows the user approves.
MCP server
The public endpoint speaks streamable-HTTP MCP (JSON-RPC). It is the same server the flip-mcp npm bridge wraps for Claude Code, Cursor, and other stdio clients:
https://fliptexts.com/api/unified-mcp/mcpInstall the bridge and sign in through it:
claude mcp add flip -- npx flip-mcpAuth is per-user: the bridge's flip_login sends an SMS OTP, flip_verify exchanges it for a session token, and the bridge sends it as Authorization: Bearer. New accounts are created on first sign-in; browser onboarding and one-time connect links finish bank/provider setup.
What agents can call
About 90 tools across the money surface — read-mostly, with writes gated behind the user's approvals:
- Bank accounts, balances, and transactions via Plaid (
plaid_*) - Spending summaries, recurring bills, and financial events (
financial_*) - Brokerage holdings, quotes, and orders via SnapTrade (
snaptrade_*) - Crypto wallets and portfolio balances (
crypto_*) - Contacts, card benefits, and deal matching (
contacts_*,get_card_benefits,list_all_deals) - One-time connect links for new integrations (
connect_*)
Machine-readable discovery
- /.well-known/ard.json — Agentic Resource Discovery manifest (also served at /.well-known/ai-catalog.json)
- /llms.txt — map of the site for LLM crawlers
- /sitemap.xml and /robots.txt
More
Flip CLI for humans, how connected data is protected, or talk to the team.