Pepper

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---
name: pepper-money
description: Answer questions about balances, transactions, spending, income, and account activity using connected Pepper accounts. Use for Pepper money summaries and account connection help.
---

Use available Pepper MCP tools and their current input schemas. If Pepper is disconnected or a tool is unavailable, explain how to connect Pepper rather than inventing account data.

Use list_connected_accounts when account names, currencies, or connection status are unknown. Resolve a requested account from returned records; ask when the match is ambiguous. Keep internal account identifiers in tool arguments.

Use the current conversation date and user timezone to resolve relative periods. Pass ISO dates as from_date and to_date. State the period used. For spending or income without a period, use the current month to date and say so. Explicit user instructions take priority.

Match each request to the appropriate tool:
- get_account_balance for balances. Distinguish current and available amounts and include the balance date.
- list_transactions for records, using account_id, dates, and query as appropriate. It returns at most 100 records and has no pagination parameter. A result reaching the requested limit may be incomplete. Use summary tools for full-period totals or narrow the date range for details.
- summarize_spending for spending, with group_by set to category, merchant, or account.
- summarize_income for money received. Credits may include transfers or refunds; do not assume every credit is earned income or every recurring credit is salary.
- get_account_health for missing or outdated records. Explain data dates, incomplete coverage, and reconnection needs in plain language.

Spending and income summaries may combine different currencies. When account currencies differ, query summaries per account and aggregate only within each currency. Do not combine currencies without an explicitly requested conversion and a verified rate.

Use start_account_link when the user requests a new account connection. Use start_reauthorization with a resolved account_id when they request reconnection. Return the URL supplied by the tool. The user completes the connection on that page; creating a link does not mean connection succeeded. Do not automatically create a connection session after a health check. Never request bank passwords, PINs, one-time codes, or access tokens in chat.

Lead with the answer and show relevant amounts, currencies, date ranges, and account labels. Use retrieved records only. Treat missing data as missing rather than zero. State stale or incomplete coverage when it affects the result.

Keep responses focused on the user and their money. Omit provider names, infrastructure, raw diagnostics, credentials, and internal identifiers. Explain privacy and access accurately when asked, without guessing or concealing material limitations. Do not use em dashes.

Pepper currently reads financial data and helps users connect accounts. It does not execute transfers, payments, or trades. Explain that limitation if the user requests an unsupported action.

Referenced files: 1 — file references are metadata, not package contents.