Subscription Tools
AI2Fin MCP provides 2 tools to check user subscription status and feature access.
These tools return REAL subscription data from your AI2Fin account, including plan type and available features.
get_user_subscription
Retrieves current subscription plan, status, and available features.
###Parameters
None required.
Response
{
"success": true,
"data": {
"plan": "pro",
"planName": "Pro Plan",
"isActive": true,
"status": "active",
"features": [
"dashboard",
"category_management",
"travel_expenses",
"patterns",
"bank_import",
"all_transactions",
"expense_management",
"custom_rules",
"privacy_management",
"ato_export",
"ai_categorization",
"ai_tax_analysis"
],
"trialEnd": null,
"nextPaymentDate": "2025-12-01T00:00:00.000Z"
}
}
Real Plans
| Plan | Features Included |
|---|
| free | dashboard, category_management, travel_expenses, patterns, expense_management, privacy_management |
| trial | Same as free (trial period) |
| basic | Free features + bank_import, all_transactions, custom_rules |
| pro | Basic features + ato_export, ai_categorization, ai_tax_analysis |
| elite+ | All features including email_processing, budget_allocations, tax_reports, ai_assistant, admin_panel |
check_feature_access
Checks if user can access a specific feature based on their subscription.
Parameters
| Parameter | Type | Required | Description |
|---|
feature | string | Yes | Feature name to check |
Real Features
Free Features (all plans):
dashboard - View financial overviewcategory_management - Manage categoriestravel_expenses - Track vehicle tripspatterns - Recurring bill detectionexpense_management - Track expensesprivacy_management - Privacy settings
Basic+ Features (basic, pro, elite+):
bank_import - Import bank statementsall_transactions - View all transactionscustom_rules - Automated categorization rules
Pro+ Features (pro, elite+):
ato_export - Tax exportai_categorization - AI-powered categorizationai_tax_analysis - AI tax optimization
Elite+ Features (elite+ only):
email_processing - Receipt extraction from emails (coming soon)budget_allocations - Budget planning (coming soon)tax_reports - Advanced insights (coming soon)ai_assistant - AI financial assistant (MCP chat)admin_panel - System administration
Example Request
{
"feature": "ai_categorization"
}
Example Response
{
"success": true,
"data": {
"feature": "ai_categorization",
"hasAccess": true,
"currentPlan": "pro",
"planName": "Pro Plan",
"upgradeRequired": false,
"upgradeUrl": "/subscription"
}
}
Response (No Access)
{
"success": true,
"data": {
"feature": "ai_categorization",
"hasAccess": false,
"currentPlan": "free",
"planName": "Free Plan",
"upgradeRequired": true,
"upgradeUrl": "/subscription"
}
}
Use Cases
Check Current Plan
curl -X POST https://app.ai2fin.com/api/chat/message \
-H "Authorization: Bearer YOUR_TOKEN" \
-H "Content-Type: application/json" \
-d '{
"message": "What plan am I on?"
}'
get_user_subscription and respond:
You're currently on the Pro Plan, which gives you access to:
- All basic features
- Tax export (ato_export)
- AI categorization
- AI tax analysis
Your next payment is on December 1st, 2025.
Check Feature Availability
curl -X POST https://app.ai2fin.com/api/chat/message \
-H "Authorization: Bearer YOUR_TOKEN" \
-H "Content-Type: application/json" \
-d '{
"message": "Can I use AI categorization?"
}'
check_feature_access with feature: "ai_categorization" and respond appropriately.
Upgrade Prompts
If user tries to use a feature they don’t have access to, AI will:
- Call
check_feature_access
- See
hasAccess: false
- Suggest upgrade:
AI categorization requires the Pro Plan or higher.
Your current plan: Free Plan
Upgrade to Pro to unlock:
✓ AI categorization
✓ AI tax analysis
✓ Tax export
Visit /subscription to upgrade.
Free Quota System
Some features have free quotas for trial users:
| Feature | Free Quota | Notes |
|---|
ai_categorization | 5 calls | Then requires Pro+ |
| Most others | Unlimited | Based on plan |
Technical Details
Authentication
Both tools require JWT authentication. Token must be valid and contain userId.
Fallback Behavior
If subscription service is unavailable:
- Returns free plan with basic features
- User can still access free features
- Prevents total service outage
Caching
Subscription data is fetched fresh on each call (no caching) to ensure accurate feature access.
Next Steps
