sign_up, get_api_key

For agents whose MCP client can't sign in: the user approves an API key from a link, and the agent receives it.

https://api.finic.ai/mcp/keys is for clients that can't sign in with OAuth, such as headless scripts. The key passes through the agent, so prefer /mcp whenever the client supports sign-in.

  1. The agent calls sign_up and shows the user the link (it works for 24 hours).
  2. The user creates an account or signs in, and approves an API key: 30 days by default, or 1 hour, 1 day, 7 days, 90 days, 1 year or never.
  3. When the user says they're done, the agent calls get_api_key and receives the key, once. It stores it securely, such as in FINIC_API_KEY, and sends it as the Authorization header or the api_key argument (the argument wins if both are sent).

The key is listed under API keys as "Agent: " and the agent's name; revoke it there anytime. Every other tool works on /mcp/keys too, with the optional api_key argument.

sign_up

InputDescription
agent_nameOptional. Shown to the user on the page, such as "Claude Code"
company, use_caseOptional. The user's company, and what they want Finic for

Returns signup_url (for the user), setup_code (for the agent only; never show it), expires_at and next_steps.

get_api_key

Takes setup_code. Call it after the user says they've approved, not repeatedly: repeated calls are slowed down.

statusMeaning
pendingNot approved yet
readyWith api_key (returned only this once), key_expires_at, organization and credit_usd
already_takenThe key was already returned. If it's lost, create one in the Finic Portal
declinedThe user declined
expiredThe link is over 24 hours old, or the approved key wasn't taken within 24 hours. Call sign_up again
invalidNot a setup code from sign_up

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