List all transaction categories
AI agents call get_transaction_categories to retrieve information from Monarch Money MCP Server without modifying anything — typically the context-gathering step in research, monitoring, and reporting workflows, before the agent takes action elsewhere.
This tool retrieves and lists transaction category definitions—static metadata—without querying, modifying, or executing any operations on user data or accounts. It is a read-only enumeration of categories, making it a Read category tool with low severity since category lists are non-sensitive reference data.
From the tool's definition Tool name 'get_transaction_categories' and description 'List all transaction categories' indicate retrieval of metadata about available transaction categories with no side effects.
Attacks that exploit this kind of access
List all transaction categories. It is categorised as a Read tool in the Monarch Money MCP Server MCP Server, which means it retrieves data without modifying state.
Register the Monarch Money MCP Server MCP server in PolicyLayer and add a rule for get_transaction_categories: 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 Monarch Money MCP Server. Nothing to install.
get_transaction_categories is a Read tool with low risk. Read-only tools are generally safe to allow by default.
Yes. Add a rate_limit block to the get_transaction_categories 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.
Set action: deny in the PolicyLayer policy for get_transaction_categories. 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.
get_transaction_categories is provided by the Monarch Money MCP Server MCP server (randallt21/monarch-money-mcp). PolicyLayer sits as a proxy in front of this server to enforce policies before tool calls reach the server.
Every MCP server has a record like this.
Type a name, get the same breakdown: verified identity, auth posture, risk grade, capabilities, recommended policy.
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