SwitchWize MCP

io.github.switchwize由 GitHub 账号 switchwize 发布v0.3.0更新于 Oct 24, 2026

Sixteen read-only US rate, savings-gap, Fed, card and CD tools with sources and freshness.

已验证Streamable HTTP可网页运行金融数据与分析

概览

AI 生成的概览

以只读方式提供 SwitchWize 的美国储蓄、CD、美联储传导、信用卡与奖励数据，并附来源与新鲜度标注。

可以做什么
  • 查询储蓄、CD、支票与货币市场最高利率，以及高收益储蓄排行和数据新鲜度状态
  • 估算储蓄差额，并按余额把用户当前 APY 与追踪的最高储蓄利率作比较
  • 读取 SwitchWize 指数数据集、Bank Gap 指数头条值，以及各银行对美联储加息的传导情况
  • 查看信用卡开卡礼、转点奖励、费用与 APR 变动，以及积分/里程估值
  • 按消费者细分群体估算某张卡的年化价值，并为持有的卡排出本周按美元计的行动
  • 查询经核实的 CD 到期自动转存规则与信用卡降级路径及年费退还窗口
适用场景
适合在助手内做有来源、有日期的美国存款与信用卡调研：比较储蓄利率、估算低 APY 的代价，或权衡开卡礼、降级与转存规则。它只是研究辅助，不构成个性化理财建议。
运行要求
可使用托管的 Streamable HTTP 端点，或用 npx 运行本地 stdio 桥接（需 Node.js LTS 与 npm）。无需 SwitchWize 账号或 API 密钥；托管 API 有速率限制。需要网络访问，开发者可用可选变量 SWITCHWIZE_MCP_URL 覆盖端点。
安装前请注意
工具为只读，不发起交易也不索取银行凭据，但余额输入会发送到托管 API，请勿包含账号等敏感标识。数据可能来自聚合方且可能过时，储蓄差额为假设性估算，卡片评分为模型结果而非建议；决策前应向产品提供方核实条款。

安装

在 SourceWeft 中

  1. 打开 控制台中的 SwitchWize MCP，将其添加到工作区。
  2. 为需要使用其工具的对话启用该服务。

Web executable，通过 Streamable HTTP。 远程服务在工作区中配置后即可从网页运行时运行。

交给智能体安装

把这段提示词粘贴到 Claude Code、Codex、Cursor 等智能体，或 SourceWeft 对话中。智能体会读取该服务器的安装指南，先向你展示发布者、端点和登录方式，经你同意后再把它添加到你的客户端。密钥不会写进任何命令。

阅读 https://sourceweft.com/mcp/io.github.switchwize%2Fswitchwize-mcp/install.md，并按其中说明把这个 MCP 服务器接入我的客户端。修改任何配置之前，先告诉我它的发布者、端点和登录方式，等我确认。不要把 API 密钥写进命令或我会提交的文件；问我密钥应从哪里获取。

查看智能体所依据的安装指南

其他 MCP 客户端

把它添加到你客户端的 mcpServers 配置中。

{
  "mcpServers": {
    "switchwize": {
      "type": "http",
      "url": "https://www.switchwize.com/api/mcp"
    }
  }
}

README

SwitchWize MCP client

Read-only MCP tools for U.S. rates, savings comparisons, financial indexes, card offers and changes, rewards, CD rollover rules, and downgrade paths.

Connect now

For clients supporting Streamable HTTP, use the hosted endpoint:

https://www.switchwize.com/api/mcp

No SwitchWize account or API key is required. The API is rate-limited. Documentation: SwitchWize Developers.

Gemini CLI extension

Install from the public repository:

sh
gemini extensions install https://github.com/switchwize/switchwize-mcp

Restart Gemini CLI, then use /mcp list to confirm that switchwize is connected and exposes all 16 tools. The extension uses Gemini CLI's native Streamable HTTP transport; no separate local MCP process, SwitchWize account, or API key is needed. Gemini CLI itself requires its own supported authentication and runtime setup.

Try: "Use SwitchWize to compare current U.S. high-yield savings observations. Include source URLs and as-of dates, and flag stale or unavailable data."

The extension covers U.S. deposit and card research, excluding mortgages. Review GEMINI.md for source, freshness, and privacy guidance. Installing this extension enables your Gemini CLI to use the tools; it does not enable them for other Gemini users or designate SwitchWize as a Google Search data source.

Google's extension gallery discovers public repositories with a root gemini-extension.json and the gemini-cli-extension GitHub topic. Gallery discovery and installation are separate from consumer usage.

Run the stdio client from source

Use a supported Node.js LTS release and npm:

sh
git clone https://github.com/switchwize/switchwize-mcp.gitcd switchwize-mcpnpm ci --ignore-scriptsnpm run buildnpm start

For a desktop MCP client, configure command node with the absolute path to dist/index.js as its argument. No environment file or database credentials are needed. SWITCHWIZE_MCP_URL is an optional full MCP endpoint override for developers.

Run from npm

sh
npx -y [email protected]

For a desktop MCP client, configure command npx with arguments ["-y", "[email protected]"]. No API key is required.

The source bridge and package manifest now use 0.3.0, matching the published npm bridge. Building this repository does not republish the existing npm version.

Available tools

  • get_top_rates
  • get_top_hysa_rates
  • get_bank_gap
  • compare_switch_savings
  • get_rate_freshness
  • get_index_dataset
  • get_bank_gap_index
  • get_reality_score
  • get_card_offers
  • get_transfer_bonuses
  • get_card_changes
  • get_reward_valuations
  • best_move_this_week
  • get_cd_rollover_rules
  • get_card_downgrade_path
  • get_fed_hike_pass_through

The hosted server currently discovers 16 tools, three prompts, and four resources. The source-built stdio bridge forwards the hosted tool schemas and annotations, prompts, resources, structured results and tool error status.

The client connects to /api/mcp using Streamable HTTP and exposes that catalog over stdio. It does not initiate financial transactions or request bank credentials. Balance inputs supplied to tools are transmitted to the hosted API; do not include account numbers or other sensitive identifiers.

Validate a source checkout

npm run verify:package checks the build and package contents without publishing. npm run verify:live compares the source bridge's tools, prompts and resources with the public hosted service and performs a hypothetical Bank Gap call. It requires network access and contributes internal acceptance traffic; it does not establish independent user adoption or verify every upstream data source.

npm run verify:gemini -- <report.json> verifies all 16 tools using Gemini CLI 0.66.0's own MCP discovery, input-schema validation, and invocation code. Set GEMINI_CLI_PACKAGE_DIR to an installed @google/[email protected] package directory. Optionally set SWITCHWIZE_GEMINI_MANIFEST to the manifest from an installed extension to validate that exact configuration. Keep validation in a separate GEMINI_CLI_HOME so it does not alter your normal Gemini settings.

This check makes live read-only calls with hypothetical inputs, labels its requests as internal probes, records freshness states without treating stale or unavailable data as current, and checks the other three deposit categories. It does not make an LLM request or establish consumer adoption. See the dated Gemini release validation.

Data boundaries

Observations may be aggregator-sourced and may be aging. Preserve each response's source dates and freshness labels. Monthly index data is not a current offer. Confirm product terms directly with the provider before making a decision.

Savings-gap figures are hypothetical estimates. The comparison benchmark is the average of the top three tracked savings rates, not an average across every tracked bank. Card Reality Scores model a consumer segment's assumptions and may carry stale terms; they are not personalized advice or guaranteed benefits.

Attribute data as SwitchWize (switchwize.com). The MIT license covers this client software, not upstream datasets, third-party materials, or trademarks. See data and service terms.

Package verification

npm run verify:package builds the client and checks the npm tarball against an exact allowlist: LICENSE, README.md, dist/index.js, and package.json. npm pack creates a local tarball; neither command publishes it.

License: MIT. Copyright SW Digital Holdings LLC.

来源：README.md，提交 e1b7014

工具

16

get_top_rates

Top Rates

Return top SwitchWize rates with freshness and attribution. Savings, CDs, checking and money market answer only from their editor-approved snapshot. A category with no approved release yet returns no ranked rates and says so (approval_status: not_yet_approved) rather than serving unverified observations; approvedOnly makes that requirement explicit. Approved responses include product terms and field evidence; stale or unavailable releases return no ranked rates. detail=full (savings) adds the complete shared build: every listed account marked verified or tracked, best picks, movers, history and a headline summary.

输入参数limitdetailcategory必填approvedOnly

get_top_hysa_rates

High-Yield Savings Rates

Return top high-yield savings rates with freshness and attribution. Answers only from the editor-approved snapshot; before its first release it returns no ranked rates and says so (approval_status: not_yet_approved). approvedOnly makes the requirement explicit. detail=full adds every listed account marked verified or tracked, best picks, movers, history and a headline summary.

输入参数limitdetailapprovedOnly

get_bank_gap

Bank Savings Gap

Estimate annual savings interest forgone for a supplied balance and optional bank name. comparisonApy is the average of the top three tracked savings rates, not an average across all banks; bankCount is the size of the tracked set. baselineApy is the named bank's APY, or the national savings benchmark when no bank is supplied. Return annualGap, APYs, observation date, freshness and methodology. This is a hypothetical estimate, not guaranteed savings or an account recommendation; verify eligibility, fees and current provider terms.

输入参数bankbalance

compare_switch_savings

Compare Savings Rates

Compare a user's current APY with SwitchWize's current top savings APY for a balance.

输入参数balancecurrentApy必填

get_rate_freshness

Data Freshness

Return public data source freshness status and affected routes.

输入参数category

get_index_dataset

Index Dataset

Return a SwitchWize index dataset summary and recent series.

输入参数limitindexId必填

get_bank_gap_index

Bank Gap Index

Return the current SwitchWize Bank Gap Index headline value, latest release, and methodology URL.

无需输入参数。

get_reality_score

Card Reality Score

Estimate the modeled annual value of a supported premium credit card for a consumer segment. Supply a card slug or name and optionally a segment ID; the default is occasional-traveler. Return segment assumptions, score, rewards, credits, perks, fee, interest, friction, net value, caveats, sources, verification date, freshness and methodology. Gross recovered value is rewards + credits + perks. breakageMultiplier is gross recovered value / advertised value, NOT divided by annual fee. feeRecoveryMultiplier is max(0, gross recovered value - interest drag - rewards friction discount) / annual fee, before subtracting the fee. Friction applies to raw rewards only. Reality Score is 100 * net realized value / advertised value. Ratios are rounded. These are scenario estimates, not personalized advice or guaranteed benefits. Preserve stale or unavailable labels; do not infer that all terms share the observation date. Unknown cards or segments return a structured error with suggestions.

输入参数card必填segment

get_card_offers

Card Offers

Return current credit-card welcome-bonus offers (non-targeted, confidence-gated), each with a verified timestamp, source URL, and the card's own 12-month best.

输入参数cardlimit

get_transfer_bonuses

Transfer Bonuses

Return current point-transfer bonuses across tracked bank-to-partner routes, each with a verified timestamp, source URL, and best-ever-for-route when real history exists.

输入参数program

get_card_changes

Card Changes

Return recent verified credit-card fee and APR changes, most recent first. Each event is a diff between two confirmed snapshots of the same card.

输入参数limitsinceDays

get_reward_valuations

Reward Valuations

Return SwitchWize points/miles valuations (cents per point) per reward currency, with sample size and provisional/published status.

输入参数currency

best_move_this_week

Best Move This Week

Given the credit cards a user holds, rank this week's dollar-valued actions: which held card to use per spend category, welcome offers at a 12-month high on cards not held, active transfer bonuses, and (optionally) the savings-rate move beside the card move.

输入参数wallet必填categoriesusedBenefitssavingsBalancecurrentSavingsApy

get_cd_rollover_rules

CD Rollover Rules

Return verified CD rollover rules for one bank, or every bank SwitchWize has verified: what happens automatically at maturity if the customer does nothing, the grace period, how to stop the rollover, and the early-withdrawal penalty. Each fact is sourced directly from the bank's own disclosure; an unverified field is omitted, never guessed.

输入参数institutionId

get_card_downgrade_path

Card Downgrade Path

Return verified credit-card product-change (downgrade) paths and the issuer's fee-refund window: which no-fee or lower-fee card a given card can be product-changed to, and how long after the annual fee posts a refund is available on cancellation. Optionally filtered to one card id (issuer:slug); returns every verified path and window when omitted.

输入参数cardId

get_fed_hike_pass_through

Fed Hike Pass-Through

Return how much of the latest Federal Reserve rate hike each tracked savings account has passed through to savers so far: rate before the hike, rate now, change in basis points, pass-through share, and days until the bank moved. One source per bank; each row carries its source type and observation dates. Optionally filtered to one institution id.

输入参数institutionId

版本历史

4
  1. v0.3.0最新Oct 12, 2026
  2. v0.2.2Sep 23, 2026
  3. v0.2.1Sep 23, 2026
  4. v0.1.0Sep 16, 2026

评分

已满足适用检查项的 100%

该评分衡量此收录条目的完整程度，依据注册中心条目、端点与公开来源计算得出。它不是对服务器本身的评价，也不表示服务器安全或当前可用：可连通性是带日期的检查结果，评分也不包含安装量或用户评价。

  • 近 30 天内可连通必需25 分
  • 已声明认证方式必需10 分
  • 已列出工具必需15 分
  • 描述必需15 分
  • 图标10 分
  • 文档15 分
  • 许可证10 分