Get transactions that need review based on various criteria. This is the primary tool for finding transactions to categorize and review. Args: needs_review: Filter for transactions flagged as needing review (default: True) days: Only include transactions from the last N days (e.g., 7 for last wee...
AI agents call get_transactions_needing_review to retrieve information from Monarch without modifying anything — typically the context-gathering step in research, monitoring, and reporting workflows, before the agent takes action elsewhere.
This tool only retrieves and filters transaction data based on various criteria. It does not create, modify, delete, or execute any operations—it purely reads from the Monarch Money backend to surface transactions matching specified conditions. There is no risk of data modification or irreversible action.
From the tool's definition Tool name is 'get_transactions_needing_review' and description states it is for 'finding transactions to categorize and review.' The function parameters (needs_review, days, uncategorized_only, without_notes_only, limit, account_id) are all read/filter…
Documented attack patterns abuse exactly the kind of access get_transactions_needing_review gives an agent:
PolicyLayer is an MCP gateway — it sits between your AI agents and Monarch, and nothing reaches the server without passing your rules. This is the rule we recommend for get_transactions_needing_review:
{
"version": "1",
"default": "deny",
"tools": {
"get_transactions_needing_review": {}
}
}get_transactions_needing_review is read-only, so it stays allowed — but everything else on the server is denied unless you say otherwise.
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Get transactions that need review based on various criteria. This is the primary tool for finding transactions to categorize and review. Args: needs_review: Filter for transactions flagged as needing review (default: True) days: Only include transactions from the last N days (e.g., 7 for last week) uncategorized_only: Only include transactions without a category assigned without_notes_only: Only include transactions without notes/memos limit: Maximum number of transactions to return (default: 100) account_id: Filter by specific account ID Returns: List of transactions matching the criteria with full details. It is categorised as a Read tool in the Monarch MCP Server, which means it retrieves data without modifying state.
Register the Monarch MCP server in PolicyLayer and add a rule for get_transactions_needing_review: 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. Nothing to install.
get_transactions_needing_review 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_transactions_needing_review 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_transactions_needing_review. 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_transactions_needing_review is provided by the Monarch MCP server (robcerda/monarch-mcp-server). PolicyLayer sits as a proxy in front of this server to enforce policies before tool calls reach the server.
Deterministic rules across all 50 Monarch tools. Per-identity grants. Full audit log. Live in minutes. Nothing to install.
Free to start. No card required.
50 Monarch tools catalogued and risk-classified — across an index of 42,500+ MCP servers.