29 tools. 17 can modify or destroy data without limits.
6 destructive tools with no built-in limits. Policy required.
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Financial operations (create_transactions) can move real money. An agent caught in a loop could drain accounts before anyone notices.
Destructive tools (delete_category, delete_transaction_group, force_delete_category) permanently delete resources. There is no undo. An agent calling these in a retry loop causes irreversible damage.
Write operations (add_to_category_group, create_asset, create_category) modify state. Without rate limits, an agent can make hundreds of changes in seconds — faster than any human can review or revert.
Execute tools (trigger_plaid_fetch) trigger processes with side effects. Builds, notifications, workflows — all fired without throttling.
create_transactions:
rules:
- action: deny Financial tools should be explicitly enabled per use case, not open by default.
delete_category:
rules:
- action: deny Destructive tools should never be available to autonomous agents without human approval.
add_to_category_group:
rules:
- rate_limit: 30/hour Prevents bulk unintended modifications from agents caught in loops.
get_all_assets:
rules:
- rate_limit: 60/minute Controls API costs and prevents retry loops from exhausting upstream rate limits.
Yes. The Lunch Money server exposes 1 financial tools including create_transactions. Without a policy, an autonomous agent can call these with no spend caps, no rate limits, and no approval flow. Intercept lets you block financial tools by default or set per-tool rate limits.
Yes. The Lunch Money server exposes 5 destructive tools including delete_category, delete_transaction_group, force_delete_category. These permanently remove resources with no undo. Intercept blocks destructive tools by default so they never reach the upstream server.
The Lunch Money server has 10 write tools including add_to_category_group, create_asset, create_category. Set rate limits in your policy file -- for example, rate_limit: 10/hour prevents an agent from making more than 10 modifications per hour. Intercept enforces this at the transport layer.
29 tools across 5 categories: Destructive, Execute, Financial, Read, Write. 12 are read-only. 17 can modify, create, or delete data.
One line change. Instead of running the Lunch Money server directly, prefix it with Intercept: intercept -c lunch-money.yaml -- npx -y @@akutishevsky/lunchmoney-mcp. Download a pre-built policy from policylayer.com/policies/lunch-money and adjust the limits to match your use case.
Starter policies available for each. Same risk classification, same one-command setup.
Deterministic policy on every MCP tool call. Per-identity grants. Full audit log.