BLIA — Bank Product Terms
Bank account terms as banks publish them, dated: fees, waivers, offers. Read-only. Canada today.
我該用這個嗎
品質與安全性
根據工具定義與協定合規性的自動化分析。
上下文成本
這是每次將伺服器的工具載入模型上下文時所消耗的約略 token 數量。數量越高，可用於其他工作的注意力就越少。
安裝
一鍵安裝
將以下內容加入你的 `claude_desktop_config.json` 檔案：
{
"mcpServers": {
"blia-catalogue": {
"url": "https://mcp.bliahub.com/mcp"
}
}
}遠端端點
https://mcp.bliahub.com/mcpstreamable-http它能做什麼
工具清單
工具（5）
🟢list_bank_products(institution, product_class, province, page_size, cursor)
Use this first when the user asks about Canadian bank accounts (currently chequing at the banks listed in coverage), or which accounts a bank offers. Returns every product in BLIA's snapshot with its product_slug, its variants (customer groups such as seniors, each with its eligibility note), the attributes published, and completeness. coverage says what BLIA does and does not cover; an empty result always says why. Free tier: published values only -- no source citation, provenance tier or corroboration status. Not for fees or rules: take a product_slug from here to get_product_terms or compare_products.
輸入結構描述
{
"type": "object",
"properties": {
"institution": {
"type": "string",
"description": "Institution id as listed in coverage.institutions_covered (bmo, cibc, rbc, scotia, td: the Big 5); a common or legal name such as BMO, RBC, Scotiabank or Royal Bank of Canada also resolves. Omit for all."
},
"product_class": {
"type": "string",
"description": "Product class. Only \"chequing\" is covered today."
},
"province": {
"type": "string",
"description": "Province: a two-letter code (ON, QC, ...) or a name such as Ontario or Québec; omit for all provinces."
},
"page_size": {
"type": "integer",
"minimum": 1,
"maximum": 50,
"description": "Up to 50 products per page."
},
"cursor": {
"type": "string",
"description": "product_slug returned as next_cursor by a prior call"
}
},
"additionalProperties": false,
"$schema": "http://json-schema.org/draft-07/schema#"
}輸出結構描述
{
"type": "object",
"properties": {
"as_of": {
"type": "string",
"description": "When the snapshot was built, ISO 8601 UTC."
},
"publication_seq": {
"type": "integer",
"description": "Publication number of the snapshot being served."
},
"staleness_days": {
"type": "number",
"description": "Whole days since as_of."
},
"coverage_scope": {
"type": "string",
"description": "The product class, institutions and lineup completeness the snapshot covers."
},
"coverage": {
"type": "object",
"properties": {},
"additionalProperties": true,
"description": "What BLIA does and does not cover: product classes, institutions, kinds of information."
},
"disclaimer": {
"type": "string",
"description": "BLIA's disclaimer, verbatim. Include it when relaying values."
},
"freshness": {
"type": "object",
"properties": {
"status": {
"type": "string",
"enum": [
"current",
"aging",
"stale"
],
"description": "How old the snapshot is: current up to 30 days, aging up to 90, then stale."
},
"staleness_days": {
"type": "number",
"description": "Whole days since as_of."
},
"as_of": {
"type": "string",
"description": "When the snapshot was built, ISO 8601 UTC."
},
"guidance": {
"type": "string",
"description": "What to say and what to confirm with the institution at this age."
}
},
"required": [
"status",
"staleness_days",
"as_of",
"guidance"
],
"additionalProperties": true
},
"freshness_warning": {
"type": "string",
"description": "Repeats freshness.guidance when the snapshot is not current."
}
},
"required": [
"as_of",
"publication_seq",
"staleness_days",
"coverage_scope",
"coverage",
"disclaimer",
"freshness"
],
"additionalProperties": true,
"$schema": "http://json-schema.org/draft-07/schema#"
}🟢get_product_terms(product_slug, province, cohort, channel, attributes)
Use this when the user asks about one account's fees, included transactions, minimum balance, fee waiver conditions, e-transfer or ATM costs, or deposit insurance. Returns each published term with its value and effective date; a rule comes with its plain-language summary AND its logic (default outcome plus conditions with thresholds, e.g. the balance that waives the monthly fee). Says which customer-group variant was used, which others exist, which questions the terms answer (answerability) and exactly what is not published (before_acting). not_published and unresolved mean unknown, never zero. Free tier: no source quote, content hash, provenance tier or corroboration status. For several accounts side by side use compare_products; for perks or welcome offers across accounts use list_benefits or list_offers. BLIA holds one current snapshot, so it cannot say what a fee was or will be.
輸入結構描述
{
"type": "object",
"properties": {
"product_slug": {
"type": "string",
"pattern": "^[a-z0-9]+(-[a-z0-9]+)*$",
"description": "A product_slug from list_bank_products, e.g. td-every-day-chequing-account"
},
"province": {
"type": "string",
"description": "Two-letter province code. Default \"ALL\"."
},
"cohort": {
"type": "string",
"description": "Customer group the terms apply to. Default \"current\" (the standard offer). Other groups a product carries (e.g. \"senior_60_plus\") are listed per product as variants; pass one to get that group's terms."
},
"channel": {
"type": "string",
"enum": [
"branch",
"online",
"any"
],
"description": "How the account is opened. Default \"any\" (terms that apply whatever the channel)."
},
"attributes": {
"type": "array",
"items": {
"type": "string"
},
"description": "Limit to these attributes, e.g. monthly_fee, transaction_limit, minimum_balance, nsf_fee, etransfer_rules, atm_rules. Omit for all."
}
},
"required": [
"product_slug"
],
"additionalProperties": false,
"$schema": "http://json-schema.org/draft-07/schema#"
}輸出結構描述
{
"type": "object",
"properties": {
"as_of": {
"type": "string",
"description": "When the snapshot was built, ISO 8601 UTC."
},
"publication_seq": {
"type": "integer",
"description": "Publication number of the snapshot being served."
},
"staleness_days": {
"type": "number",
"description": "Whole days since as_of."
},
"coverage_scope": {
"type": "string",
"description": "The product class, institutions and lineup completeness the snapshot covers."
},
"coverage": {
"type": "object",
"properties": {},
"additionalProperties": true,
"description": "What BLIA does and does not cover: product classes, institutions, kinds of information."
},
"disclaimer": {
"type": "string",
"description": "BLIA's disclaimer, verbatim. Include it when relaying values."
},
"freshness": {
"type": "object",
"properties": {
"status": {
"type": "string",
"enum": [
"current",
"aging",
"stale"
],
"description": "How old the snapshot is: current up to 30 days, aging up to 90, then stale."
},
"staleness_days": {
"type": "number",
"description": "Whole days since as_of."
},
"as_of": {
"type": "string",
"description": "When the snapshot was built, ISO 8601 UTC."
},
"guidance": {
"type": "string",
"description": "What to say and what to confirm with the institution at this age."
}
},
"required": [
"status",
"staleness_days",
"as_of",
"guidance"
],
"additionalProperties": true
},
"freshness_warning": {
"type": "string",
"description": "Repeats freshness.guidance when the snapshot is not current."
}
},
"required": [
"as_of",
"publication_seq",
"staleness_days",
"coverage_scope",
"coverage",
"disclaimer",
"freshness"
],
"additionalProperties": true,
"$schema": "http://json-schema.org/draft-07/schema#"
}🟢compare_products(product_slugs, province, cohort, channel, monthly_transactions)
Use this when the user wants to compare accounts, within one bank or across banks. One call returns, for each product: monthly fee, annual fee before waivers, included transactions (checked against monthly_transactions if given), minimum balance, NSF fee, the fee-waiver conditions (summary and logic), e-transfer and ATM terms, and what is missing -- plus a ranking by monthly fee with the annual difference to the lowest. It never applies a waiver to the customer's balances: it gives the conditions so they can be checked. Products whose fee BLIA has not published are listed as not_ranked, never ranked as free. The ranking uses published monthly fee and nothing else. For one account's complete terms and rule logic use get_product_terms.
輸入結構描述
{
"type": "object",
"properties": {
"product_slugs": {
"type": "array",
"items": {
"type": "string",
"pattern": "^[a-z0-9]+(-[a-z0-9]+)*$"
},
"minItems": 2,
"maxItems": 10,
"description": "2 to 10 product_slugs from list_bank_products, from one or several banks."
},
"province": {
"type": "string",
"description": "Two-letter province code. Default \"ALL\"."
},
"cohort": {
"type": "string",
"description": "Customer group the terms apply to. Default \"current\" (the standard offer). Other groups a product carries (e.g. \"senior_60_plus\") are listed per product as variants; pass one to get that group's terms."
},
"channel": {
"type": "string",
"enum": [
"branch",
"online",
"any"
],
"description": "How the account is opened. Default \"any\" (terms that apply whatever the channel)."
},
"monthly_transactions": {
"type": "integer",
"minimum": 0,
"maximum": 1000,
"description": "Optional: the customer's typical debit transactions per month, checked against each product's included transactions."
}
},
"required": [
"product_slugs"
],
"additionalProperties": false,
"$schema": "http://json-schema.org/draft-07/schema#"
}輸出結構描述
{
"type": "object",
"properties": {
"as_of": {
"type": "string",
"description": "When the snapshot was built, ISO 8601 UTC."
},
"publication_seq": {
"type": "integer",
"description": "Publication number of the snapshot being served."
},
"staleness_days": {
"type": "number",
"description": "Whole days since as_of."
},
"coverage_scope": {
"type": "string",
"description": "The product class, institutions and lineup completeness the snapshot covers."
},
"coverage": {
"type": "object",
"properties": {},
"additionalProperties": true,
"description": "What BLIA does and does not cover: product classes, institutions, kinds of information."
},
"disclaimer": {
"type": "string",
"description": "BLIA's disclaimer, verbatim. Include it when relaying values."
},
"freshness": {
"type": "object",
"properties": {
"status": {
"type": "string",
"enum": [
"current",
"aging",
"stale"
],
"description": "How old the snapshot is: current up to 30 days, aging up to 90, then stale."
},
"staleness_days": {
"type": "number",
"description": "Whole days since as_of."
},
"as_of": {
"type": "string",
"description": "When the snapshot was built, ISO 8601 UTC."
},
"guidance": {
"type": "string",
"description": "What to say and what to confirm with the institution at this age."
}
},
"required": [
"status",
"staleness_days",
"as_of",
"guidance"
],
"additionalProperties": true
},
"freshness_warning": {
"type": "string",
"description": "Repeats freshness.guidance when the snapshot is not current."
},
"ranking_by_monthly_fee": {
"type": "array",
"items": {
"type": "object",
"properties": {
"product_slug": {
"type": "string"
}
},
"required": [
"product_slug"
],
"additionalProperties": true
},
"description": "Products with a published CAD monthly fee, cheapest first, ties by product_slug. Nothing else affects the order."
},
"not_ranked": {
"type": "array",
"items": {
"type": "object",
"properties": {
"product_slug": {
"type": "string"
},
"reason": {
"type": "string"
}
},
"required": [
"product_slug",
"reason"
],
"additionalProperties": true
},
"description": "Products left out of the ranking and why; never ranked as free."
}
},
"required": [
"as_of",
"publication_seq",
"staleness_days",
"coverage_scope",
"coverage",
"disclaimer",
"freshness",
"ranking_by_monthly_fee",
"not_ranked"
],
"additionalProperties": true,
"$schema": "http://json-schema.org/draft-07/schema#"
}🟢list_offers(institution, product_class)
Use this when the user asks which accounts have a welcome or sign-up offer, what an offer gives, or what they must do to get it. Returns each recorded offer with what you get (cash and any non-cash part, e.g. a membership), the qualifying conditions (each as a plain sentence), conditions_status, and the end date or that none is stated. conditions_status not_recorded means the conditions are unknown, never that there are none. A product with no recorded offer may still have one: say BLIA records none. Welcome offers only, which end; ongoing plan perks are in list_benefits, and fees and waiver rules in get_product_terms.
輸入結構描述
{
"type": "object",
"properties": {
"institution": {
"type": "string",
"description": "Institution id (bmo, cibc, rbc, scotia, td: the Big 5) or a common or legal name such as BMO, RBC or Scotiabank. Omit for all."
},
"product_class": {
"type": "string",
"description": "Product class. Only \"chequing\" is covered today."
}
},
"additionalProperties": false,
"$schema": "http://json-schema.org/draft-07/schema#"
}輸出結構描述
{
"type": "object",
"properties": {
"as_of": {
"type": "string",
"description": "When the snapshot was built, ISO 8601 UTC."
},
"publication_seq": {
"type": "integer",
"description": "Publication number of the snapshot being served."
},
"staleness_days": {
"type": "number",
"description": "Whole days since as_of."
},
"coverage_scope": {
"type": "string",
"description": "The product class, institutions and lineup completeness the snapshot covers."
},
"coverage": {
"type": "object",
"properties": {},
"additionalProperties": true,
"description": "What BLIA does and does not cover: product classes, institutions, kinds of information."
},
"disclaimer": {
"type": "string",
"description": "BLIA's disclaimer, verbatim. Include it when relaying values."
},
"freshness": {
"type": "object",
"properties": {
"status": {
"type": "string",
"enum": [
"current",
"aging",
"stale"
],
"description": "How old the snapshot is: current up to 30 days, aging up to 90, then stale."
},
"staleness_days": {
"type": "number",
"description": "Whole days since as_of."
},
"as_of": {
"type": "string",
"description": "When the snapshot was built, ISO 8601 UTC."
},
"guidance": {
"type": "string",
"description": "What to say and what to confirm with the institution at this age."
}
},
"required": [
"status",
"staleness_days",
"as_of",
"guidance"
],
"additionalProperties": true
},
"freshness_warning": {
"type": "string",
"description": "Repeats freshness.guidance when the snapshot is not current."
}
},
"required": [
"as_of",
"publication_seq",
"staleness_days",
"coverage_scope",
"coverage",
"disclaimer",
"freshness"
],
"additionalProperties": true,
"$schema": "http://json-schema.org/draft-07/schema#"
}🟢list_benefits(benefit, institution, product_class, cohort, province)
Use this when the user asks which accounts include a perk or benefit -- a credit card annual fee rebate, a safe deposit box, free drafts or cheques, rewards points, a borrowing rate discount. With benefit set, returns includes / does_not_include / not_recorded across products; without it, every tracked benefit per product. not_recorded is unknown, never 'not included'. A benefit with basis 'bank_default' is the bank's standard terms for all accounts (no product-specific benefit recorded): say so rather than calling it a feature of the plan. Ongoing perks only; welcome offers are in list_offers, and fees and waiver rules in get_product_terms.
輸入結構描述
{
"type": "object",
"properties": {
"benefit": {
"type": "string",
"description": "One benefit, e.g. safe_deposit_box, credit_card_annual_fee_rebate, bank_drafts. Omit for every benefit BLIA tracks."
},
"institution": {
"type": "string",
"description": "Institution id (bmo, cibc, rbc, scotia, td: the Big 5) or a common or legal name such as BMO, RBC or Scotiabank. Omit for all."
},
"product_class": {
"type": "string",
"description": "Product class. Only \"chequing\" is covered today."
},
"cohort": {
"type": "string",
"description": "Customer group the terms apply to. Default \"current\" (the standard offer). Other groups a product carries (e.g. \"senior_60_plus\") are listed per product as variants; pass one to get that group's terms."
},
"province": {
"type": "string",
"description": "Province: a two-letter code or a name such as Ontario. A benefit priced differently in that province is answered with its price there. Default \"ALL\"."
}
},
"additionalProperties": false,
"$schema": "http://json-schema.org/draft-07/schema#"
}輸出結構描述
{
"type": "object",
"properties": {
"as_of": {
"type": "string",
"description": "When the snapshot was built, ISO 8601 UTC."
},
"publication_seq": {
"type": "integer",
"description": "Publication number of the snapshot being served."
},
"staleness_days": {
"type": "number",
"description": "Whole days since as_of."
},
"coverage_scope": {
"type": "string",
"description": "The product class, institutions and lineup completeness the snapshot covers."
},
"coverage": {
"type": "object",
"properties": {},
"additionalProperties": true,
"description": "What BLIA does and does not cover: product classes, institutions, kinds of information."
},
"disclaimer": {
"type": "string",
"description": "BLIA's disclaimer, verbatim. Include it when relaying values."
},
"freshness": {
"type": "object",
"properties": {
"status": {
"type": "string",
"enum": [
"current",
"aging",
"stale"
],
"description": "How old the snapshot is: current up to 30 days, aging up to 90, then stale."
},
"staleness_days": {
"type": "number",
"description": "Whole days since as_of."
},
"as_of": {
"type": "string",
"description": "When the snapshot was built, ISO 8601 UTC."
},
"guidance": {
"type": "string",
"description": "What to say and what to confirm with the institution at this age."
}
},
"required": [
"status",
"staleness_days",
"as_of",
"guidance"
],
"additionalProperties": true
},
"freshness_warning": {
"type": "string",
"description": "Repeats freshness.guidance when the snapshot is not current."
}
},
"required": [
"as_of",
"publication_seq",
"staleness_days",
"coverage_scope",
"coverage",
"disclaimer",
"freshness"
],
"additionalProperties": true,
"$schema": "http://json-schema.org/draft-07/schema#"
}社群
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