Lipi MCP server

The short version. Lipi has a remote MCP server at https://api.lipi.com.np/mcp. Add it to your AI assistant, sign in to Lipi, and choose Read only or Full access. The assistant can then answer questions about your money and, with Full access, keep your books up to date. You can see every action it takes and disconnect it at any time in Lipi under Settings → AI assistants.

What it does

Lipi’s MCP server lets an AI assistant use your Lipi books: accounts, expenses and income, budgets, bank loans and EMIs, people ledgers, splits, assets, invoices and reports. Use it to ask things like:

• How much did I spend on food this month compared to last month?
• Which budgets am I close to going over?
• What’s my net worth, and how much of the change was the dollar rate moving?
• Add Rs 1,250 for groceries at Bhatbhateni today from my Nabil account.
• Here’s a photo of my home loan statement — update the EMI schedule.

The assistant can do what you can do in the Lipi app, with the same checks and plan limits, and nothing more. You need a Lipi account. Sign up free.

Connect

The server URL is the same everywhere:

https://api.lipi.com.np/mcp

The first time an assistant connects, it opens a Lipi sign-in page in your browser. Sign in, choose an access level and select Allow.

Claude (claude.ai, desktop and mobile)

1. Open Settings → Connectors and select Add custom connector.
2. Name it Lipi, paste the server URL and select Add.
3. Select Connect and sign in to Lipi.

Claude Code

Install the Lipi plugin. It adds the server and optional skills such as a monthly review and a cash flow forecast:

/plugin marketplace add LipiTechnology/lipi-expense-tracker
/plugin install lipi-expense-tracker@lipi

Then run /mcp, pick lipi and sign in. To add the server alone, run claude mcp add --transport http lipi https://api.lipi.com.np/mcp.

ChatGPT

Lipi is in ChatGPT’s plugin directory, so you don’t need the server URL or developer mode. The steps are the same on the web, the desktop app and the phone app.

1. In ChatGPT, open Plugins in the sidebar (or open Lipi in the Plugins directory).
2. Open Lipi, select Install plugin, then Connect.
3. When ChatGPT sends you to Lipi, sign in, choose an access level and select Allow.

To use it in a chat, type @Lipi, or select + and pick Lipi. ChatGPT also uses Lipi by itself when you ask about your money. To disconnect, open Settings → Plugins, select Lipi and choose Disconnect, or remove it in Lipi under Settings → AI assistants.

Other assistants

Any client that supports remote MCP servers over Streamable HTTP with OAuth works. For example:

Assistant	File	Add
Cursor	~/.cursor/mcp.json	{ "mcpServers": { "lipi": { "url": "https://api.lipi.com.np/mcp" } } }
VS Code (GitHub Copilot)	.vscode/mcp.json	{ "servers": { "lipi": { "type": "http", "url": "https://api.lipi.com.np/mcp" } } }
Codex	~/.codex/config.toml	[mcp_servers.lipi] with url = "https://api.lipi.com.np/mcp", then codex mcp login lipi
Gemini CLI	~/.gemini/settings.json	{ "mcpServers": { "lipi": { "httpUrl": "https://api.lipi.com.np/mcp" } } }

The plugin, skills and setup for more assistants are on GitHub.

Access levels

You choose one when you connect, and can change it later in Lipi under Settings → AI assistants.

• Read only (the default). The assistant can look at your accounts, transactions, budgets, loans, assets, invoices and reports. It can’t change anything.
• Full access. The assistant can also add, change and delete records. Every write goes through the same checks and plan limits as the app.

With either level, the assistant can never see your password, change your sign-in details or delete your Lipi account. Lipi tells the assistant to ask you before deleting anything and to show you what it will write before a bulk change.

Tools

Every tool is labelled for your assistant: read tools are marked read-only, tools that delete are marked destructive, and no tool reaches outside your own Lipi data. Some tools need Premium; on the Free plan they say so instead of answering.

Area	Read	Write (Full access)
Start and profile	get_overview, get_plan, get_settings, list_notifications, search	update_settings, mark_notifications_read
Accounts	list_accounts, get_account, get_account_balance_trend	create_account, update_account, delete_account
Categories	list_categories	create_category, update_category, delete_category
Transactions	list_transactions, get_transaction, get_transaction_summary	create_transaction, create_transactions, create_transfer, update_transaction, delete_transaction
Budgets	list_budgets, get_budget_progress	create_budget, update_budget, delete_budget
Reports	get_cash_flow, get_savings_rate, get_net_worth_trend, get_spending_forecast, get_recurring_expenses, get_category_movers, get_bills_radar, get_unusual_spend, get_spending_by_intent, get_intent_trend, get_activity_log	export_transactions_csv
Recurring and scheduled	list_recurring, list_scheduled	create_recurring, update_recurring, toggle_recurring, post_recurring_now, delete_recurring, create_scheduled, update_scheduled, post_scheduled_now, cancel_scheduled, delete_scheduled
Bank loans and EMIs	list_bank_loans, get_bank_loan	save_bank_loan, set_bank_loan_rows, pay_bank_loan_rows, unpay_bank_loan_rows, save_bank_loan_event, delete_bank_loan_event, delete_bank_loan
People ledgers	list_ledgers, get_ledger	save_ledger, save_ledger_entry, delete_ledger_entry, delete_ledger
Splits	list_splits, get_split, get_splits_summary	create_split, update_split, record_split_settlement
Assets	list_assets, get_asset_summary	create_asset, update_asset, delete_asset
Invoices	list_invoices, get_invoice, list_clients, list_identities	create_invoice, update_invoice, set_invoice_status, record_invoice_payment, save_client, delete_invoice
Receipts and files	get_scan, read_document	scan_receipt, attach_file
Rates and markets	list_currencies, get_exchange_rates, convert_currency, get_metal_prices, get_nepse_index

The server also offers a guide resource, lipi://guide, with the full workflows, and two prompts: a monthly review and a loan schedule import.

Conventions

• Money is a decimal string such as "1500.00", in the account’s currency.
• Dates are Gregorian, YYYY-MM-DD. If you speak in Bikram Sambat, the assistant converts and should say which calendar it means.
• Outflows sit in one of three buckets: spending, excluded (insurance, investments, loan principal) or tax. Totals say which bucket they cover.
• Moving money between your own accounts is a transfer, not an expense plus an income.
• Exchange rates are taken for the transaction’s date, not today.

Sign-in and security

• The server uses OAuth 2.1 with PKCE (S256) and dynamic client registration. Discovery is at https://api.lipi.com.np/.well-known/oauth-authorization-server and https://api.lipi.com.np/.well-known/oauth-protected-resource/mcp.
• Each token is bound to https://api.lipi.com.np/mcp and can’t be used anywhere else.
• Access tokens last 1 hour. Refresh tokens last 90 days and change each time they are used.
• Each connection can make up to 120 requests a minute.
• Your assistant never sees your Lipi password. You sign in on Lipi’s own page.

See activity and disconnect

Open Lipi and go to Settings → AI assistants. There you can see each connected assistant, the access you gave it, when it was last used, and a log of every action it took. The log is kept for 30 days.

Select Disconnect to stop an assistant at once. It can’t reconnect without asking you again.

Privacy

When you ask an assistant something, the Lipi records it needs to answer go to that assistant’s provider, such as Anthropic or OpenAI. What happens to them there is covered by your agreement with that provider. What Lipi keeps about each connection is in our privacy policy. Use of the server is covered by our terms of service.

Troubleshooting

• The assistant says it can’t make changes. You connected with Read only. Change it to Full access in Settings → AI assistants.
• A tool says it needs Premium. That feature is part of Premium, the same as in the app.
• Sign-in keeps asking again. Your access was disconnected or the refresh token expired after 90 days unused. Connect again.
• Amounts look wrong. Check the account’s currency and the bucket. Totals in the default currency use the rate on each transaction’s date.

Support

Email support@lipi.com.np. For privacy questions, email privacy@lipi.com.np.

Lipi Technology, Balkumari-9, Lalitpur, Nepal (company registration no. 610048917) runs Lipi and its MCP server. Official email: info@lipi.com.np.