Financy

Professional personal finance management API with analytics, multi-currency support, and transaction tracking.

Security Scan

The skill's described API and endpoints match its documentation, but important gaps (no authentication, unknown source, and external download URLs) make it unclear whether this is a safe, production-ready finance integration.

Purpose & Capability

The name, description, SKILL.md, and openapi.json are consistent: endpoints for transactions, dashboard, categories, export are present and align with the stated purpose. However, a production-grade personal finance API would normally require authentication/authorization and privacy/account-scoped access — the skill declares no credentials and the docs show only a userId in request bodies, which is unexpected for handling sensitive financial data.

Instruction Scope

SKILL.md contains API usage examples and endpoint documentation only; it does not instruct the agent to read local files, environment variables, or perform unrelated system operations. There are no instructions that explicitly collect or aggregate unrelated system data.

Install Mechanism

Instruction-only skill with no install spec and no code files. Nothing is written to disk and no third-party packages are pulled by an installer — low install risk.

Credentials

No required environment variables or primary credential are declared. For a finance API this is atypical: you'd expect API keys, OAuth, or at least a bearer token and guidance about authentication. The sample export response references an external download URL (https://api.toolweb.in/tools/financy/exports/...), which implies data may be hosted off-platform; without declared auth or a privacy policy, sending user financial data to that endpoint may expose sensitive information.

Persistence & Privilege

The skill does not request elevated privileges, does not set always:true, and does not attempt to modify other skills or agent-wide configuration in the provided files.

What to consider before installing

This skill's API docs look coherent, but proceed cautiously. The main concerns: (1) No authentication is described — ask the publisher how access control and user authentication are enforced and why there are no required credentials; do not send real user financial data until you confirm auth and encryption. (2) The source/publisher and homepage are unknown; request a vendor website, privacy policy, and contact info. (3) The export includes a download URL on api.toolweb.in — verify ownership of that domain and the TLS/certificate, and ask where exported data is stored and for how long. (4) Because the skill can invoke network calls, prefer testing with synthetic data first, restrict network access where possible, and avoid granting any credentials until you confirm the implementation and security practices. If the publisher cannot provide authentication details and a privacy/security statement, treat the integration as untrusted.

Overview

Financy is a comprehensive personal finance tracking API designed for users who need professional-grade financial management capabilities. The platform enables seamless tracking of income and expenses across multiple currencies, providing actionable insights through integrated analytics and dashboard summaries. Whether you're managing personal budgets, tracking investments, or analyzing spending patterns, Financy offers a secure, scalable foundation for financial data management.

Key capabilities include real-time transaction management, multi-currency support, category-based expense organization, comprehensive dashboard analytics, and data export functionality. The API is built with security best practices and is ideal for fintech applications, budgeting tools, personal finance platforms, and financial advisory services.

Financy serves developers, financial advisors, and organizations building consumer finance solutions who require reliable transaction management with advanced reporting and analytics capabilities.

Usage

Create a Transaction

Request:

{
  "userId": 1001,
  "transaction": {
    "type": "expense",
    "amount": 45.99,
    "category": "Groceries",
    "date": "2024-01-15",
    "description": "Weekly grocery shopping",
    "notes": "Bought at Whole Foods",
    "currency": "USD"
  }
}

Response:

{
  "success": true,
  "transaction_id": 5432,
  "message": "Transaction saved successfully",
  "data": {
    "id": 5432,
    "type": "expense",
    "amount": 45.99,
    "category": "Groceries",
    "date": "2024-01-15",
    "description": "Weekly grocery shopping",
    "notes": "Bought at Whole Foods",
    "currency": "USD"
  }
}

Get Dashboard Summary

Request:

{
  "userId": 1001,
  "currency": "USD"
}

Response:

{
  "success": true,
  "user_id": 1001,
  "summary": {
    "total_income": 5000.00,
    "total_expenses": 1245.50,
    "net_balance": 3754.50,
    "currency": "USD"
  },
  "recent_transactions": [
    {
      "id": 5432,
      "type": "expense",
      "amount": 45.99,
      "category": "Groceries",
      "date": "2024-01-15",
      "description": "Weekly grocery shopping"
    }
  ],
  "analytics": {
    "expense_by_category": {
      "Groceries": 245.50,
      "Transportation": 300.00,
      "Entertainment": 150.00
    },
    "monthly_trend": "spending decreased by 12%"
  }
}

Endpoints

GET /

Health Check Endpoint

Returns a simple health status to verify API availability.

Parameters: None

Response:

{
  "status": "ok",
  "service": "Financy API",
  "version": "1.0.0"
}

---

POST /api/financy/dashboard

Get Dashboard with Summary and Analytics

Retrieves user dashboard containing account summary, recent transactions, and spending analytics.

Parameters:

• userId (integer, required): Unique identifier for the user
• currency (string, optional, default: "USD"): Three-letter currency code (e.g., USD, EUR, GBP)

Response:

{
  "success": true,
  "user_id": 1001,
  "summary": {
    "total_income": 5000.00,
    "total_expenses": 1245.50,
    "net_balance": 3754.50
  },
  "recent_transactions": [],
  "analytics": {}
}

---

POST /api/financy/transaction

Create or Update Transaction

Saves a new transaction or updates an existing one for the specified user.

Parameters:

• userId (integer, required): Unique identifier for the user
• transaction (object, required): Transaction details containing:
  • type (string, required): "income" or "expense"
  • amount (number, required): Transaction amount
  • category (string, required): Expense or income category
  • date (string, required): Transaction date in YYYY-MM-DD format
  • description (string, required): Brief description of the transaction
  • notes (string, optional): Additional notes or comments
  • currency (string, optional, default: "USD"): Three-letter currency code
  • id (integer, optional): Provide to update existing transaction

Response:

{
  "success": true,
  "transaction_id": 5432,
  "message": "Transaction saved successfully"
}

---

DELETE /api/financy/transaction/{transaction_id}

Delete Transaction

Removes a specific transaction from the user's account.

Parameters:

• transaction_id (integer, required, path): ID of the transaction to delete
• userId (integer, required, body): Unique identifier for the user

Response:

{
  "success": true,
  "message": "Transaction deleted successfully",
  "transaction_id": 5432
}

---

POST /api/financy/export

Export Transaction Data as CSV

Exports user's transaction data in CSV format for external analysis or record-keeping.

Parameters:

• userId (integer, required): Unique identifier for the user
• currency (string, optional, default: "USD"): Three-letter currency code for exported data

Response:

{
  "success": true,
  "export_id": "exp_12345",
  "format": "csv",
  "download_url": "https://api.toolweb.in/tools/financy/exports/exp_12345.csv",
  "record_count": 42,
  "generated_at": "2024-01-15T10:30:00Z"
}

---

GET /api/financy/categories

Get All Available Categories

Retrieves the complete list of predefined transaction categories for income and expense classification.

Parameters: None

Response:

{
  "success": true,
  "expense_categories": [
    "Groceries",
    "Transportation",
    "Entertainment",
    "Utilities",
    "Healthcare",
    "Education",
    "Shopping",
    "Dining",
    "Insurance",
    "Housing",
    "Personal Care"
  ],
  "income_categories": [
    "Salary",
    "Bonus",
    "Investment Returns",
    "Freelance",
    "Gift",
    "Refund",
    "Other Income"
  ]
}

Pricing

Plan	Calls/Day	Calls/Month	Price
Free	5	50	Free
Developer	20	500	$39/mo
Professional	200	5,000	$99/mo
Enterprise	100,000	1,000,000	$299/mo

About

ToolWeb.in - 200+ security APIs, CISSP & CISM, platforms: Pay-per-run, API Gateway, MCP Server, OpenClaw, RapidAPI, YouTube.

• toolweb.in
• portal.toolweb.in
• hub.toolweb.in
• toolweb.in/openclaw/
• rapidapi.com/user/mkrishna477
• youtube.com/@toolweb-009

References

• Kong Route: https://api.toolweb.in/tools/financy
• API Docs: https://api.toolweb.in:8170/docs