get-recent-transactions · Lunchmoney MCP: Risk & Policy

WHAT IT DOES

What get-recent-transactions does on Lunchmoney

AI agents call get-recent-transactions to retrieve information from Lunchmoney without modifying anything — typically the context-gathering step in research, monitoring, and reporting workflows, before the agent takes action elsewhere.

WHY IT NEEDS A POLICY

Why get-recent-transactions needs a policy

This tool retrieves transaction history from Lunchmoney without making any changes to the data. It is a straightforward query operation that has no side effects. The Lunchmoney server context (personal finance management) and sibling tools (get-budget-summary, get-category-spending, search-transactions) further confirm this is a read-only data access pattern.

From the tool's definition Tool name 'get-recent-transactions' and description 'Get recent transactions' indicate data retrieval with no modification. The verb 'Get' and lack of any action verbs (create, update, delete, modify) confirm read-only operation.

Attacks that exploit this kind of access

Questions about get-recent-transactions

What does the get-recent-transactions tool do? +

Get recent transactions. It is categorised as a Read tool in the Lunchmoney MCP Server, which means it retrieves data without modifying state.

How do I enforce a policy on get-recent-transactions? +

Register the Lunchmoney MCP server in PolicyLayer and add a rule for get-recent-transactions: allow, deny, rate-limit, or require approval. Point your MCP client at the PolicyLayer proxy URL and the rule is enforced on every call, before it reaches Lunchmoney. Nothing to install.

What risk level is get-recent-transactions? +

get-recent-transactions is a Read tool with low risk. Read-only tools are generally safe to allow by default.

Can I rate-limit get-recent-transactions? +

Yes. Add a rate_limit block to the get-recent-transactions rule in your PolicyLayer policy. For example, setting max: 10 and window: 60 limits the tool to 10 calls per minute. Rate limits are tracked per agent session and reset automatically.

How do I block get-recent-transactions completely? +

Set action: deny in the PolicyLayer policy for get-recent-transactions. The AI agent will receive a policy violation error and cannot call the tool. You can also include a reason field to explain why the tool is blocked.

What MCP server provides get-recent-transactions? +

get-recent-transactions is provided by the Lunchmoney MCP server (lunchmoney-mcp-server). PolicyLayer sits as a proxy in front of this server to enforce policies before tool calls reach the server.