UPI MCP Server

A UPI transaction intelligence server built with Rust and the Model Context Protocol (MCP). Exposes transaction analytics as tools that Claude can call directly — search, aggregate, detect recurring payments, and rank merchants from natural language queries.

What it does

Instead of dumping raw transaction data into Claude's context, this server exposes purpose-built tools. Claude routes queries to the right tool, gets back pre-computed results, and answers accurately without doing arithmetic in-context.

Tools

Tool	Description
search_txn	Filter raw transactions by date, amount, merchant, category
get_spending_breakdown	Category-wise spend breakdown for a date range
compare_periods	Side-by-side delta between two time periods by category
detect_recurring_payments	Detect monthly subscriptions using interval analysis
get_merchant_insights	Total spent, count, average for a specific merchant
get_top_merchants	All merchants ranked by spend, count, or average

Stack

• Rust — systems language, zero-cost abstractions
• rmcp — Rust MCP SDK for tool registration and stdio transport
• chrono — date/time handling
• serde / serde_json — serialization
• tokio — async runtime

Running locally

cargo build
cargo run        # starts the server over stdio
cargo check      # fast type-check
cargo clippy     # lint
cargo test       # run unit tests

Connect via Claude Desktop — the binary communicates over stdio, Claude Desktop spawns and manages the process.

Architecture

src/
  main.rs        # entry: loads TransactionStore, starts stdio MCP server
  server.rs      # UpiServer: tool definitions (#[tool] methods) + ToolRouter
  model.rs       # Transaction, Category, TransactionType, response structs
  data/
    store.rs     # TransactionStore: data loading, filter helpers, analytics methods
data/
  transaction.json  # 202 mock transactions, Jan–Apr 2024 (compiled into binary)

Data is embedded at compile time via include_str! — no runtime file path needed.

Design decisions

Why dedicated tools instead of one generic query tool? Claude is a language model, not a calculator. Aggregating 200 transactions and computing percentage deltas in-context will drift. Code-side computation is exact, deterministic, and token-efficient.

Why compare_periods instead of calling get_spending_breakdown twice? One tool call vs two stdio round-trips. Pre-diffed output with change_pct and total_delta fields Claude can't compute reliably itself.

Why interval-based recurring detection instead of day-of-month matching? Day-of-month breaks in February and across month boundaries. Checking that consecutive occurrences are 28–32 days apart is robust to subscription drift.

Known limitations

• Mock data only — no database backend
• detect_recurring_payments window is derived from the latest transaction date, not system time
• Category keys use Debug formatting — coupled to enum implementation detail