# Satchel — your account, inside your AI

> Your account, inside the AI you already use.

Satchel puts a real Satchel business account inside any AI assistant that speaks MCP
(Claude, Claude Code, Cursor, Codex, or any other MCP client). Ask about balances,
review spending, chase payments, move money — in plain language, no dashboard.

- Real Satchel API contract
- Read-only by default
- EMI-licensed rails
- Sandbox in 60 seconds

## Who it's for

Built for complex, cross-border businesses.

- Dedicated IBANs
- Physical & virtual cards
- Multi-currency
- Multi-account
- A personal manager

## What it does — 7 MCP tools

Every tool speaks the real Satchel Client Office API contract: seeded data in the
sandbox, the exact same shapes when you go live (base URL + credentials change only).

### list_accounts
Every account, IBAN and live balance — no dashboard, no login.

> you › What accounts do I have?

```
Main EUR      EE00 SPNK 0000 0001    €48,205.50   ★ master
Client funds  EE00 SPNK 0000 0002   €212,500.00
USD Payouts   EE00 SPNK 0000 0003   $131,020.00
```

### get_balance
Total position, grouped by currency, computed on the fly.

> you › How much do we hold right now?

```
EUR  €260,705.50  (2 accounts)
USD  $131,020.00  (1 account)
— total across 3 accounts
```

### list_cards
Physical and virtual cards, masked and status-checked.

> you › Show our cards.

```
Mastercard ••7781   EUR   active
Visa       ••4402   USD   active
```

### list_transactions
A human-readable ledger. Ask for the last N, any page.

> you › Show the last 5 transactions.

```
-€18.40    Cloud infrastructure     Jul 15
-€4,200    Supplier payout          Jul 14
-€63.18    Office supplies          Jul 14
+€12,900   Incoming SEPA — Client   Jul 13
+€48,000   Settlement batch #204    Jul 01
```

### get_transaction
Drill into any single payment by id — full reference and state.

> you › Details on transaction 5015?

```
#5015  +€48,000.00  EXECUTED
Settlement batch #204
INCOMING · ref STL-2026-07 · Jul 01
```

### financial_summary
The intelligence tool: money in and out, top counterparties, recurring costs.

> you › Summarise last month's cash flow.

```
In  +€60,900   Out  -€38,481   Net  +€22,419
Top counterparty: Supplier Ltd  (3 payouts, €12,600)
Recurring: cloud, payroll, SaaS tooling
```

### move_money
Your agent can act — with your consent. Off by default, on when you say so.

> you › Move €5,000 from Main to Client funds.

```
✓ Transfer complete  (#5038)
Main EUR       €43,205.50
Client funds  €217,500.00
```

## Automate the routine

### Scheduled workflows
Run it on a cadence — every Monday, at month-end, or when a threshold trips. Your assistant checks in so you don't have to.

> you › Every Monday, summarise last week's cash flow and flag anything unusual.

Downloadable Agent Skill: /skills/weekly-cash-flow-review.skill — open or attach the .skill file to install it where supported. For filesystem-based clients, unzip it into ~/.claude/skills/.

### Automate expense management
Categorise spend, match it to counterparties, and keep the ledger tidy — reviewed by you, not typed by you.

> you › Categorise this month's card spend and list anything uncategorised.

Downloadable Agent Skill: /skills/expense-categoriser.skill — open or attach the .skill file to install it where supported. For filesystem-based clients, unzip it into ~/.claude/skills/.

### Create reports with AI
Turn raw transactions into a clean report — cash flow, top counterparties, burn — in seconds, in plain language.

> you › Build a Q3 cash-flow report and pull out the three biggest outflows.

Downloadable Agent Skill: /skills/cash-flow-report.skill — open or attach the .skill file to install it where supported. For filesystem-based clients, unzip it into ~/.claude/skills/.

Reports and reviews run read-only. Money-moving actions always ask first.

## Security model

- **Every transfer is confirmed in the app.** Moving money always needs your tap. The assistant prepares the transfer; you approve it in the Satchel app with a second factor. No payment leaves without you.
- **Read-only by default.** The connector ships read-only. Writes (move_money) stay off until you flip SATCHEL_ALLOW_WRITES — and never run in live mode without your confirmation.
- **Short-lived sessions.** Access is a 30-minute session token, re-minted on demand. No long-lived secret sits in your chat history.
- **You onboard through a person.** Live accounts are opened by a personal manager with full onboarding checks — no anonymous, self-serve account creation.
- **Sandbox-first.** You start against seeded data that looks real but isn't. Going live is one env var and a real credential — nothing else changes.

## Connect your assistant

One command detects your assistant (Claude Desktop, Claude Code, Cursor), backs up
your config and writes one server block:

```
# in your satchel-punk checkout
cd mcp && npm install && npm run connect
```

Demo sandbox key: `punk-demo-key` (username `demo@satchel.punk`).

Manual config (claude_desktop_config.json):

```json
{
  "mcpServers": {
    "satchel-punk": {
      "command": "npx",
      "args": [
        "tsx",
        "/absolute/path/to/satchel-punk/mcp/src/index.ts"
      ],
      "env": {
        "SATCHEL_BASE_URL": "http://localhost:3000/api/sandbox",
        "SATCHEL_USERNAME": "demo@satchel.punk",
        "SATCHEL_PASSWORD": "punk-demo-key",
        "SATCHEL_MODE": "sandbox"
      }
    }
  }
}
```

Environment variables: SATCHEL_BASE_URL, SATCHEL_USERNAME, SATCHEL_PASSWORD,
SATCHEL_MODE (sandbox|live), SATCHEL_ALLOW_WRITES (writes stay off unless true).

## How to become a client

01. **Try it in the sandbox.** Grab a sandbox key, connect your assistant, and ask it about a live-shaped account — seeded data, real API shapes.
02. **Talk to a personal manager.** Ready for a real account? Ask for a manager in the form — they reach out to understand your business.
03. **Get onboarded and go live.** Complete onboarding, get your live credential, and flip one env var. Your assistant now speaks to your real account.

Get a sandbox key or request a personal manager at the landing page form (#access).

## Pages

- [About](/about) — Who builds this: the team behind Satchel (Satchelpay UAB, EMI licence No. 28), and why the account now speaks MCP.
- [Security](/security) — The MCP security model in concrete terms: what the assistant can see, what it can do, and where the sandbox ends.
- [Terms of service](/terms) — Terms for the sandbox and the waitlist. The sandbox is simulated data — no real funds move; the live service is governed by satchel.eu terms.
- [Privacy policy](/privacy) — What personal data this site collects (a waitlist email — sandbox data is synthetic) and your GDPR rights.

## Legal

Satchel operates under Satchelpay UAB (reg. No. 304628112), licensed by the Bank of Lithuania as an electronic money institution (licence No. 28). Satchel is an EMI, not a bank. Sandbox data is fictional and not financial advice.