Aila Model Context Protocol (MCP)

Connect ChatGPT, Claude, Codex, Cursor, and other MCP clients to Aila. The remote server uses streamable HTTP and OAuth 2.1 (PKCE and Dynamic Client Registration). Ask Aila, the AI loan officer assistant, and this server use one shared tool registry, so most tools are the same.

Remote URL (POST only):

https://app.aila.fyi/api/mcp

Do not open this URL in a browser as a page. A GET request returns HTTP 405. That response is expected. The server accepts streamable HTTP POST. There is no SSE route. https://app.aila.fyi/api/mcp/sse returns HTTP 404.

What you can do

The server covers calls, contacts, charts, account setup, and your own settings. If your organization has loan files turned on, it also covers loan files, LOS work (ARIVE and LendingPad), and loan agent runs. Without loan files, the server does not offer the loan tools.

Each tool name starts with its area: calls_, contacts_, team_, chart_, setup_, me_, loan_, or aila_. The tables below show the main tools in each area. They are not the full list. Your client shows the live list for your connection. Treat that list as the source of truth.

Calls and contacts

Tool	What it does
`calls_list`	Lists recent calls.
`calls_search`	Finds calls by contact, caller, date, call type, tag, or duration.
`calls_get_details`	Returns the summary and extracted data of one call.
`calls_get_transcript`	Returns the transcript of one call, with speaker labels.
`calls_lookup_contact`	Returns the call history of one contact.
`calls_search_transcript_evidence`	Finds the transcript lines that answer a question.
`calls_analyze_transcripts`	Reads a sample of calls to find call types, suggest fields to save, and suggest task triggers.
`calls_get_scorecard_results`	Returns scorecard scores. Shows a scorecard card.
`calls_find_follow_up_candidates`	Finds contacts that need a follow-up.
`calls_correct_value`	Changes one extracted value on a call. Change.
`contacts_merge`	Merges two contact records. Change.
`team_get_performance`	Returns call metrics for each team member.

Charts

Tool	What it does
`chart_generate`	Makes a chart from call data. Shows a chart card.
`chart_preview_extracted_metric`	Tries a new metric on past calls before you save it.
`chart_promote_metric`	Saves a previewed metric as a field on future calls. Change.
`chart_save`	Saves a chart to your dashboard. Change.

Account setup

Tool	What it does
`setup_get_status`	Shows what is connected and what is missing. Start here.
`setup_get_ingestion_diagnostics`	Tells why calls do not arrive, and what to do.
`setup_get_recipe`	Gives the steps to connect one product.
`setup_get_configuration_skill`	Returns the full setup guide.
`setup_create_scorecard`, `setup_update_scorecard`	Adds or changes a scorecard. Change.
`setup_create_dataset`, `setup_update_dataset`	Adds or changes the data Aila pulls from calls. Change.
`setup_create_routing_rule`, `setup_create_task_trigger`	Adds a call routing rule or a CRM task trigger. Change.
`team_invite_member`	Invites a teammate by email. Change.

Your own settings

Tool	What it does
`me_list_call_views`, `me_save_call_view`, `me_update_call_view`	Lists, saves, and changes your saved filters on the Calls page.
`me_get_permission_mode`, `me_set_permission_mode`	Reads or sets how often Ask Aila asks you before it makes a change in the Aila app. It does not change what ChatGPT or Claude asks.

Loan files (when turned on)

Tool	What it does
`loan_list_files`, `loan_find_borrower`	Finds a loan file by borrower.
`loan_get_file`	Returns the full state of a loan file. Shows a loan file card.
`loan_get_missing_docs`	Lists the documents that are still missing. Shows a missing documents card.
`loan_read_document`, `loan_get_document_text`	Reads one document page, or its extracted text.
`loan_upload_document`, `loan_classify_documents`	Adds a document and sorts it. Change.
`loan_update_application_field`	Changes one field on the 1003. Change.
`loan_draft_email`, `loan_draft_sms`	Writes a borrower message as a draft. Nothing is sent.
`loan_approve_draft`, `loan_send_message`	Approves a draft, then sends it. Change.
`loan_lookup_los_loans`, `loan_import_los_loan`	Finds a loan in ARIVE or LendingPad, and imports it as an Aila loan file. Import is a change.
`loan_write_arive_loan_status`, `loan_push_to_lendingpad`	Writes to the LOS. Change.

Loan agent runs (when loan files are turned on)

Tool	What it does
`loan_start_agent_run`	Starts an AI agent on a loan file. Change.
`loan_get_agent_run`	Shows the state, report, and latest events of a run.
`loan_stop_agent_run`	Stops a run. Change.

The agent only proposes changes. A person approves or rejects them in the Aila app.

Help and undo

Tool	What it does
`aila_search_docs`	Searches these docs.
`aila_search_web`	Searches the public web for a fact, such as a company's NMLS number.
`aila_undo_action`	Undoes one change. See Undo a change.

Cards in the chat

Four tools return a card that ChatGPT and Claude show in the chat (MCP Apps):

chart_generate: a chart.
calls_get_scorecard_results: scorecard results.
loan_get_file: a loan file summary.
loan_get_missing_docs: the missing documents.

A client without MCP Apps shows the same data as text.

Old tool names

Before October 23, 2026, some tools had other names, for example list_calls, search_calls, get_call_details, get_call_transcript, lookup_contact, search_contacts, and get_team_performance. The old names still work until December 22, 2026. After that date, use the new names:

Old name	New name
`list_calls`	`calls_list`
`search_calls`	`calls_search`
`get_call_details`	`calls_get_details`
`get_call_transcript`	`calls_get_transcript`
`lookup_contact`	`calls_lookup_contact`
`search_contacts`	`calls_search_contacts`
`get_team_performance`	`team_get_performance`
`get_loan_file`	`loan_get_file`
`find_borrower`	`loan_find_borrower`

How changes run

A tool that changes data runs when the client calls it. The client decides when to ask you to confirm:

ChatGPT asks before each tool that is not read-only.
Claude asks before each tool that is marked destructive.

Each change tool tells the client if it is read-only, if it is destructive, and if it sends data outside Aila (for example a borrower message). The client uses these marks to decide when to ask you.

Some actions need more than the client's confirmation:

Borrower messages. Aila always writes a draft first (loan_draft_email or loan_draft_sms). The draft must be approved (loan_approve_draft) before loan_send_message can send it.
LOS writes. A write to ARIVE or LendingPad needs your approval and a confirmation inside the tool.
Loan file deletes are not available to OAuth or API key connections.

Aila records each change in its action log, with the name of the client that made it.

Undo a change

When a change can be undone, its result includes an actionLogId. Ask the client to undo it, or call aila_undo_action with that ID. Each change can be undone one time. You can undo your own changes. People who can manage organization settings can also undo changes by others.

Who can do what

The connection acts as you. It follows your Aila role and team:

Calls. You see the same calls that you see on the Calls page. A team lead sees the team's calls.
Account setup changes. Only people who can manage organization settings (for example owners and admins) get the setup change tools.
Your own settings, charts, and call fixes. Every member gets these.
Loan files. You see the loan files that Aila lets you see in the app.

A connection must belong to a current member of the organization to make changes outside loan files.

Token scopes

OAuth tokens and API keys carry scopes. A scope can only narrow what your role allows. It never gives more.

Scope	Allows
`calls:read`	Read calls, contacts, charts, and setup.
`config:write`	Change account setup. Only people who can manage organization settings get it.
`me:write`	Change things that belong to you: saved charts, call views, permission mode, call fixes, and invites.
`loan-files:read`	Read loan files.
`loan-files:write`	Read and change loan files.
`offline_access`	Get a refresh token (OAuth only).

Without config:write or me:write, the connection cannot make changes outside loan files, and aila_undo_action is not offered.

OAuth discovery (for store reviewers and client implementers):

Protected resource: https://app.aila.fyi/.well-known/oauth-protected-resource
Authorization server: https://app.aila.fyi/.well-known/oauth-authorization-server

Token lifetime

An OAuth access token lasts 30 days.
When the client asks for offline_access, Aila also gives a refresh token. ChatGPT asks for it. The refresh token lasts 90 days. Each refresh gives a new token and turns off the previous one, so the client stays connected without a new sign-in.
To end a connection, go to Settings > My settings > AI assistants and click Disconnect. Refresh stops at once.

Installation and client setup

The ChatGPT, Claude, and Claude Code steps are also in Aila: Settings > My settings > AI assistants.

ChatGPT

In ChatGPT, open Settings > Apps & Connectors > Advanced and turn on Developer mode.
Select Create. Set the name to Aila.
Set the URL to https://app.aila.fyi/api/mcp.
Set authentication to OAuth.
Sign in to Aila when ChatGPT asks, and approve access.

Connect with an API key instead of OAuth

Clients that cannot run OAuth can send an Aila API key as a Bearer token to the same URL.

Go to Settings > Connections > API keys and create a key. For loan-file tools, give it the Read Loan Files and Write Loan Files permissions. Copy the key when Aila shows it. It appears only one time.
Add the server in your client:

claude mcp add --transport http aila https://app.aila.fyi/api/mcp --header "Authorization: Bearer YOUR_API_KEY"

{
  "mcpServers": {
    "aila": {
      "url": "https://app.aila.fyi/api/mcp",
      "headers": {
        "Authorization": "Bearer YOUR_API_KEY"
      }
    }
  }
}

The key acts as the person who created it. A key that is not linked to a current member can read. It can change loan files only, and it cannot use aila_undo_action.

Recommended first prompt

After you connect:

Use Aila. Read my setup status first, then show my calls from this week.
Tell me what you will change before you change anything.

For loan files:

Use Aila. Find the loan file for <borrower name> and list the missing documents.
Draft an email to the borrower that asks for them. Do not send it.