SwitchWize MCP

io.github.switchwize由 GitHub 帳號 switchwize 發布v0.3.0更新於 Oct 24, 2026

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

已驗證Streamable HTTP可網頁執行金融資料與分析

概覽

AI 產生的概覽

以唯讀方式提供 SwitchWize 的美國儲蓄、CD、聯準會傳導、信用卡與回饋資料，並附來源與資料新鮮度標示。

可以做什麼
  • 查詢儲蓄、CD、支票與貨幣市場最高利率，以及高利儲蓄排行與資料新鮮度狀態
  • 估算儲蓄落差，並依餘額把使用者目前 APY 與追蹤中的最高儲蓄利率相比
  • 讀取 SwitchWize 指數資料集、Bank Gap 指數頭條值，以及各銀行對聯準會升息的傳導情況
  • 查看信用卡開卡禮、轉點加成、費用與 APR 變動，以及點數／哩程估值
  • 依消費者分群估算某張卡的年化價值，並為持有的卡排出本週以美元計的行動
  • 查詢經核實的 CD 到期自動續存規則與信用卡降級路徑及年費退還期間
適用情境
適合在助理內進行有來源、有日期的美國存款與信用卡研究：比較儲蓄利率、估算低 APY 的代價，或評估開卡禮、降級與續存規則。它只是研究輔助，不構成個人化理財建議。
執行需求
可使用託管的 Streamable HTTP 端點，或以 npx 執行本機 stdio 橋接（需 Node.js LTS 與 npm）。不需 SwitchWize 帳號或 API 金鑰；託管 API 有速率限制。需要網路存取，開發者可用選用變數 SWITCHWIZE_MCP_URL 覆寫端點。
安裝前請注意
工具為唯讀，不發起交易也不索取銀行憑證，但餘額輸入會傳送到託管 API，請勿包含帳號等敏感識別資訊。資料可能來自聚合來源且可能過時，儲蓄落差為假設性估算，卡片評分為模型結果而非建議；決策前應向產品提供者確認條款。

安裝

在 SourceWeft 中

  1. 開啟 儀表板中的 SwitchWize MCP，將其新增到工作區。
  2. 為需要使用其工具的對話啟用該服務。

Web executable，透過 Streamable HTTP。 遠端服務在工作區中設定後即可從網頁執行環境執行。

交給代理程式安裝

把這段提示詞貼上到 Claude Code、Codex、Cursor 等代理程式，或 SourceWeft 對話中。代理程式會讀取該伺服器的安裝指南，先向你展示發布者、端點和登入方式，經你同意後再把它新增到你的客戶端。金鑰不會寫進任何命令。

閱讀 https://sourceweft.com/mcp/io.github.switchwize%2Fswitchwize-mcp/install.md，並按其中說明把這個 MCP 伺服器接入我的客戶端。修改任何設定之前，先告訴我它的發布者、端點和登入方式，等我確認。不要把 API 金鑰寫進命令或我會提交的檔案；問我金鑰應從哪裡取得。

檢視代理程式所依據的安裝指南

其他 MCP 客戶端

把它新增到你客戶端的 mcpServers 設定中。

{
  "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.

來源：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.

輸入參數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.

輸入參數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.

輸入參數bankbalance

compare_switch_savings

Compare Savings Rates

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

輸入參數balancecurrentApy必填

get_rate_freshness

Data Freshness

Return public data source freshness status and affected routes.

輸入參數category

get_index_dataset

Index Dataset

Return a SwitchWize index dataset summary and recent series.

輸入參數limitindexId必填

get_bank_gap_index

Bank Gap Index

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

無需輸入參數。

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.

輸入參數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.

輸入參數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.

輸入參數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.

輸入參數limitsinceDays

get_reward_valuations

Reward Valuations

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

輸入參數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.

輸入參數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.

輸入參數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.

輸入參數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.

輸入參數institutionId

版本歷史

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

評分

已滿足適用檢查項的 100%

該評分衡量此收錄條目的完整程度，依據註冊中心條目、端點與公開來源計算得出。它不是對伺服器本身的評價，也不表示伺服器安全或目前可用：可連通性是帶日期的檢查結果，評分也不包含安裝量或使用者評價。

  • 近 30 天內可連通必需25 分
  • 已宣告認證方式必需10 分
  • 已列出工具必需15 分
  • 描述必需15 分
  • 圖示10 分
  • 文件15 分
  • 授權條款10 分