@finchagentic/mcp 4.0.0 → 4.2.0

package/dist/tools/base.js

@@ -4,10 +4,35 @@ exports.BASE_TOOLS = void 0;
 exports.handleBaseTool = handleBaseTool;
 const MORPHO_API = "https://blue-api.morpho.org/graphql";
 const MOONWELL_API = "https://api.moonwell.fi/v1/markets";
+/** Morpho's public API occasionally 403s transiently (rate-limit/WAF blip,
+ * confirmed by hand: identical requests succeed moments later) - one retry
+ * after a short delay clears most of these without adding real latency to
+ * the common case. */
+async function fetchMorphoGql(query) {
+    for (let attempt = 0; attempt < 2; attempt++) {
+        if (attempt > 0)
+            await new Promise((r) => setTimeout(r, 800));
+        const res = await fetch(MORPHO_API, {
+            method: "POST",
+            headers: { "Content-Type": "application/json" },
+            body: JSON.stringify({ query }),
+            signal: AbortSignal.timeout(15000),
+        });
+        if (res.ok)
+            return res.json();
+        if (attempt === 1)
+            throw new Error(`Morpho API error: ${res.status} (after retry)`);
+    }
+}
 exports.BASE_TOOLS = [
     {
         name: "base_mcp_yield_vaults",
-        description: "Find the best yield/earning opportunities on Base chain using Morpho vaults. Returns all vaults ranked by APY — use this when the user asks about yield farming, APY, best rates to earn, where to put USDC, or passive income on Base. For yield on a specific token, also see base_mcp_lend.",
+        description: "Find the best yield/earning opportunities on Base chain using Morpho vaults - queries Morpho's own " +
+            "API directly, so numbers are fresher than get_defi_yields' DeFiLlama-aggregated Morpho figures, " +
+            "but this tool only covers Morpho (not Aerodrome/Uniswap/other protocols - use get_defi_yields for " +
+            "cross-protocol comparison). Returns all vaults ranked by APY — use this when the user asks about " +
+            "yield farming, APY, best rates to earn, where to put USDC, or passive income on Base. For yield on " +
+            "a specific token, also see base_mcp_lend.",
         inputSchema: {
             type: "object",
             properties: {
@@ -25,7 +50,12 @@ exports.BASE_TOOLS = [
     },
     {
         name: "base_mcp_lending_rates",
-        description: "Get lending and borrowing rates across all Moonwell markets on Base. Returns supply APY, borrow APY, liquidity, and utilization per asset. Use when the user asks about borrow rates, lending rates, interest rates, or supply APY on Base.",
+        description: "Get lending and borrowing rates across all Moonwell markets on Base - queries Moonwell's own API " +
+            "directly, so numbers are fresher than get_defi_yields' DeFiLlama-aggregated Moonwell figures, but " +
+            "this tool only covers Moonwell (use get_defi_yields for cross-protocol comparison, or " +
+            "base_mcp_yield_vaults for Morpho specifically). Returns supply APY, borrow APY, liquidity, and " +
+            "utilization per asset. Use when the user asks about borrow rates, lending rates, interest rates, " +
+            "or supply APY on Base.",
         inputSchema: {
             type: "object",
             properties: {
@@ -99,15 +129,7 @@ async function fetchMorphoVaults(asset, limit = 10) {
       }
     }
   }`;
-    const res = await fetch(MORPHO_API, {
-        method: "POST",
-        headers: { "Content-Type": "application/json" },
-        body: JSON.stringify({ query: gql }),
-        signal: AbortSignal.timeout(15000),
-    });
-    if (!res.ok)
-        throw new Error(`Morpho API error: ${res.status}`);
-    const data = await res.json();
+    const data = await fetchMorphoGql(gql);
     let vaults = data?.data?.vaults?.items ?? [];
     // Filter out test/spam vaults: min $10k TVL, max 500% APY
     vaults = vaults.filter((v) => {
@@ -199,15 +221,7 @@ async function prepareDeposit(vaultName, asset, amount) {
       }
     }
   }`;
-    const res = await fetch(MORPHO_API, {
-        method: "POST",
-        headers: { "Content-Type": "application/json" },
-        body: JSON.stringify({ query: gql }),
-        signal: AbortSignal.timeout(15000),
-    });
-    if (!res.ok)
-        throw new Error(`Morpho API error: ${res.status}`);
-    const data = await res.json();
+    const data = await fetchMorphoGql(gql);
     let vaults = data?.data?.vaults?.items ?? [];
     // Filter by asset first
     vaults = vaults.filter((v) => v.asset?.symbol?.toLowerCase() === asset.toLowerCase());

package/dist/tools/chronicle.js

@@ -10,7 +10,7 @@ const CHRONICLE_TYPES = ["vault", "memory", "agent", "tool", "automation", "moni
 exports.CHRONICLE_TOOLS = [
     {
         name: "chronicle_add",
-        description: "Log an event to Noel Chronicle - the system-wide audit log for your AI runtime. " +
+        description: "Log an event to Finch Chronicle - the system-wide audit log for your AI runtime. " +
             "Records anything meaningful: vault saves, agent updates, automation triggers, " +
             "custom milestones, research completions. Chronicle is your permanent timeline of what happened. " +
             "Types: vault | memory | agent | tool | automation | monitor | system | custom.",
@@ -40,7 +40,7 @@ exports.CHRONICLE_TOOLS = [
     },
     {
         name: "chronicle_list",
-        description: "Read the Noel Chronicle event log - your AI runtime timeline. Returns recent events in reverse chronological order. " +
+        description: "Read the Finch Chronicle event log - your AI runtime timeline. Returns recent events in reverse chronological order. " +
             "Filter by type to see only vault saves, agent activity, automations, etc.",
         inputSchema: {
             type: "object",
@@ -59,7 +59,7 @@ exports.CHRONICLE_TOOLS = [
     },
     {
         name: "chronicle_search",
-        description: "Search the Noel Chronicle by keyword. Matches against event titles and details. " +
+        description: "Search the Finch Chronicle by keyword. Matches against event titles and details. " +
             "Useful for finding when something specific happened: 'when did I last research ETH?' or 'find all vault saves for Base'.",
         inputSchema: {
             type: "object",
@@ -187,7 +187,7 @@ async function handleChronicle(name, args) {
             };
         }
         const lines = [
-            `## 📜 Noel Chronicle${type ? ` · ${type}` : ""}`,
+            `## 📜 Finch Chronicle${type ? ` · ${type}` : ""}`,
             `*${entries.length} event${entries.length !== 1 ? "s" : ""}*`,
             "",
         ];

package/dist/tools/deep-research.js

@@ -267,7 +267,7 @@ async function fcSearch(query, limit) {
     }
     // Backend-proxy path - session-authed; Finch covers Firecrawl cost.
     try {
-        const data = await (0, convex_js_1.callConvex)("/research/firecrawl-search", "POST", { query, limit }, "deep_research_search_proxy", 20000);
+        const data = await (0, convex_js_1.callConvex)("/research/firecrawl-search", "POST", { query, limit }, "web_search", 20000);
         return normalizeSearchHits(data?.results);
     }
     catch {
@@ -300,7 +300,7 @@ async function fcScrape(url) {
     // which means continueFrom can't auto-date proxied scrapes. Acceptable
     // tradeoff for now; markdown is the primary signal.
     try {
-        const data = await (0, convex_js_1.callConvex)("/research/firecrawl-scrape", "POST", { url }, "deep_research_scrape_proxy", 25000);
+        const data = await (0, convex_js_1.callConvex)("/research/firecrawl-scrape", "POST", { url }, "web_scrape", 25000);
         if (data?.markdown)
             return { markdown: data.markdown };
     }
@@ -568,7 +568,7 @@ async function synthesize(query, sources, isFinal, liveSearch, priorContext, fre
     let memoryContext = "";
     if (isFinal) {
         const [profileData, memHits] = await Promise.allSettled([
-            (0, convex_js_1.callConvex)("/vault/profile-context?maxChars=1200", "GET", undefined, "profile_context"),
+            (0, convex_js_1.callConvex)("/vault/profile-context?maxChars=1200", "GET", undefined, "vault_read"),
             (0, memory_js_1.searchSupermemory)(query, 4),
         ]);
         if (profileData.status === "fulfilled") {
@@ -744,7 +744,12 @@ Write the ${isFinal ? "final" : "draft"} report now. Markdown only - no preamble
     // pick for reasoning, JSON, code). Override via env or pass the same
     // model string to FINCH_MODEL to bypass.
     const researchModel = process.env.FINCH_RESEARCH_MODEL ?? "grok-4.3";
-    const raw = await (0, llm_js_1.callLLM)(sys, user, isFinal ? 4000 : 2000, [], 90000, { liveSearch, model: researchModel });
+    // Deep mode (critic notes present, or the 5-angle planner ran) produces a
+    // longer report than the standard 6-section template - a fixed 4000-token
+    // budget was cutting deep reports off mid-sentence around risk #6-7 of 13+.
+    const isDeepMode = !!criticNotes || (angles?.length ?? 0) >= 5;
+    const finalTokens = isDeepMode ? 7000 : 4000;
+    const raw = await (0, llm_js_1.callLLM)(sys, user, isFinal ? finalTokens : 2000, [], 90000, { liveSearch, model: researchModel });
     const { content: report, liveCitations } = extractLiveCitations(raw);
     // Citation density check - only for final reports. If the report has many
     // numerical claims but very few [N] citations, retry once with a stricter
@@ -757,7 +762,7 @@ Write the ${isFinal ? "final" : "draft"} report now. Markdown only - no preamble
 
 ⚠️ Your previous draft had ${density.numericalClaims} numerical claims but only ${density.citations} [N] citations. That ratio is too low. Rewrite with stricter citation density: every percentage, dollar amount, count, date, and named entity must carry [N]. Use the At a Glance table to anchor the key metrics.`;
         try {
-            const rawRetry = await (0, llm_js_1.callLLM)(sys, retryUser, 4000, [], 90000, { liveSearch, model: researchModel });
+            const rawRetry = await (0, llm_js_1.callLLM)(sys, retryUser, finalTokens, [], 90000, { liveSearch, model: researchModel });
             const { content: retryReport, liveCitations: retryCitations } = extractLiveCitations(rawRetry);
             return { report: retryReport, liveCitations: retryCitations.length > 0 ? retryCitations : liveCitations };
         }

package/dist/tools/defi.js

@@ -11,7 +11,11 @@ exports.DEFI_TOOLS = [
     {
         name: "get_defi_yields",
         description: "Fetch top DeFi yield opportunities on Base - Morpho, Moonwell, Aerodrome, Uniswap, and more. " +
-            "Returns live APY, TVL, and pool info from DeFiLlama (no API key required). " +
+            "Returns APY, TVL, and pool info aggregated from DeFiLlama (no API key required) - broadest " +
+            "protocol coverage, but DeFiLlama's numbers can lag the protocol's own API by hours. Good first " +
+            "stop for comparing across protocols. For the freshest Morpho-vault-specific numbers use " +
+            "base_mcp_yield_vaults instead; for the freshest Moonwell supply/borrow rates use " +
+            "base_mcp_lending_rates instead - both query the protocol directly. " +
             "Filter by token or minimum APY. Use before depositing to find the best rates.",
         inputSchema: {
             type: "object",
@@ -34,7 +38,6 @@ const SwapSchema = zod_1.z.object({
 const DEFAULT_MAX_SLIPPAGE_PCT = 1.0;
 const DEFAULT_MAX_PRICE_IMPACT_PCT = 3.0;
 const SendSchema = zod_1.z.object({ token: zod_1.z.string().min(1), toAddress: zod_1.z.string().regex(/^0x[0-9a-fA-F]{40}$/, "must be a valid 0x address"), amount: zod_1.z.string().min(1) });
-const AnalyzeWalletSchema = zod_1.z.object({ address: zod_1.z.string().regex(/^0x[0-9a-fA-F]{40}$/, "must be a valid 0x address"), label: zod_1.z.string().optional() });
 const DefiYieldsSchema = zod_1.z.object({
     token: zod_1.z.string().optional(),
     minApy: zod_1.z.number().optional(),
@@ -103,7 +106,7 @@ async function handleDefiTool(name, args) {
             // Pass the MCP local wallet as the swap taker so 0x routes output back
             // to the wallet that's signing - not the backend's custodial wallet.
             const localWallet = await (0, wallet_js_1.getOrCreateWallet)();
-            const result = await (0, convex_js_1.callConvex)("/mcp/defi/swap", "POST", { fromToken, toToken, amount, taker: localWallet.address, slippagePercentage: slippageLimit / 100 }, "estimate_swap");
+            const result = await (0, convex_js_1.callConvex)("/mcp/defi/swap", "POST", { fromToken, toToken, amount, taker: localWallet.address, slippagePercentage: slippageLimit / 100 }, "swap_tokens");
             if (!result.success)
                 return { content: [{ type: "text", text: `Estimate failed: ${result.error}` }], isError: true };
             const q = result.quote;
@@ -163,17 +166,25 @@ async function handleDefiTool(name, args) {
             }
             const txHash = await (0, wallet_js_1.signAndBroadcast)(wallet, q);
             const buyAmountHuman = formatTokenAmount(q.buyAmount, q.buyToken ?? toToken);
+            const receipt = await (0, wallet_js_1.waitForReceipt)(txHash);
+            const header = !receipt.mined
+                ? `⏳ Broadcast, not yet confirmed within the wait window.`
+                : receipt.ok
+                    ? `✅ Swap confirmed on-chain (block ${receipt.blockNumber}).`
+                    : `❌ Transaction REVERTED - no swap occurred (gas was still spent).`;
             return {
                 content: [{
                         type: "text",
                         text: [
-                            `✅ Swap executed!`,
-                            `${amount} ${fromToken.toUpperCase()} → ${buyAmountHuman} ${q.buyToken}`,
+                            header,
+                            `${amount} ${fromToken.toUpperCase()} → ${receipt.mined && receipt.ok ? buyAmountHuman : "(quoted, not received)"} ${q.buyToken}`,
                             `Slippage cap: ${slippageLimit}% · Price impact: ${impactPct.toFixed(3)}%`,
                             `Tx Hash: \`${txHash}\``,
                             `https://basescan.org/tx/${txHash}`,
-                        ].join("\n"),
+                            !receipt.mined ? `Check the link above before telling the user this succeeded or failed.` : "",
+                        ].filter(Boolean).join("\n"),
                     }],
+                isError: receipt.mined && !receipt.ok,
             };
         }
         case "send_token": {
@@ -186,41 +197,31 @@ async function handleDefiTool(name, args) {
             if (!result.success)
                 return { content: [{ type: "text", text: `Send failed: ${result.error}` }], isError: true };
             const txHash = await (0, wallet_js_1.signAndBroadcast)(wallet, result.txData);
+            const receipt = await (0, wallet_js_1.waitForReceipt)(txHash);
+            const header = !receipt.mined
+                ? `⏳ Broadcast, not yet confirmed within the wait window.`
+                : receipt.ok
+                    ? `✅ Sent - confirmed on-chain (block ${receipt.blockNumber}).`
+                    : `❌ Transaction REVERTED - funds were NOT sent (gas was still spent).`;
             return {
                 content: [{
                         type: "text",
-                        text: [`✅ Sent!`, `${amount} ${token.toUpperCase()} → \`${toAddress}\``, `Tx Hash: \`${txHash}\``, `https://basescan.org/tx/${txHash}`].join("\n"),
+                        text: [
+                            header,
+                            `${amount} ${token.toUpperCase()} → \`${toAddress}\``,
+                            `Tx Hash: \`${txHash}\``,
+                            `https://basescan.org/tx/${txHash}`,
+                            !receipt.mined ? `Check the link above before telling the user this succeeded or failed.` : "",
+                        ].filter(Boolean).join("\n"),
                     }],
+                isError: receipt.mined && !receipt.ok,
             };
         }
-        case "analyze_wallet": {
-            const parsed = AnalyzeWalletSchema.safeParse(args);
-            if (!parsed.success)
-                return { content: [{ type: "text", text: `Invalid input: ${parsed.error.issues[0].message}` }], isError: true };
-            const { address, label } = parsed.data;
-            const data = await (0, convex_js_1.callConvex)("/wallet/analyze", "POST", { address, label }, "analyze_wallet");
-            if (data.error)
-                return { content: [{ type: "text", text: `Wallet analysis failed: ${data.error}` }], isError: true };
-            const total = (data.totalUsd ?? 0).toFixed(2);
-            const walletLabel = label ? ` - ${label}` : "";
-            const topHoldings = (data.holdings ?? [])
-                .slice(0, 8)
-                .map(h => `• **${h.token}**: $${(h.valueUsd ?? 0).toFixed(2)}${h.pct != null ? ` (${h.pct}%)` : ""}`)
-                .join("\n");
-            const profileLine = data.profile ? `**Profile:** ${data.profile}\n` : "";
-            const header = [
-                `**Wallet Analysis**${walletLabel}`,
-                `\`${address}\``,
-                `**Portfolio value:** $${total}`,
-                ``,
-                profileLine,
-                `**Holdings:**`,
-                topHoldings || "No token holdings found.",
-                ``,
-            ].join("\n");
-            const body = data.analysis ?? (data.analysisError ? `*AI analysis unavailable: ${data.analysisError}*` : "*AI analysis not available*");
-            return { content: [{ type: "text", text: header + body }] };
-        }
+        // analyze_wallet was removed - it called POST /wallet/analyze, which was
+        // never registered in app/convex/http.ts (only a dangling section-header
+        // comment exists there). The tool was never in the exported DEFI_TOOLS
+        // list either, so this case was already unreachable dead code - no Tool
+        // registers the name "analyze_wallet" for the MCP dispatcher to route to.
         case "get_defi_yields": {
             const parsed = DefiYieldsSchema.safeParse(args ?? {});
             if (!parsed.success)

package/dist/tools/equity.js

@@ -11,8 +11,13 @@
 // and is a stronger analyst than anything this module could embed.
 Object.defineProperty(exports, "__esModule", { value: true });
 exports.EQUITY_TOOLS = void 0;
+exports.buildStockFundamentals = buildStockFundamentals;
 exports.handleEquityTool = handleEquityTool;
 const zod_1 = require("zod");
+// ── Structured output builder (schema in output-schemas.ts) ─────────────────
+function buildStockFundamentals(ticker, companyName, cik, quote, quarterly, annual) {
+    return { ticker, companyName, cik, quote, quarterly, annual };
+}
 const SEC_UA = "Finch MCP research (contact: support@finchagentic.com)";
 const SEC_TICKERS = "https://www.sec.gov/files/company_tickers.json";
 const SEC_CONCEPT = (cik, tag) => `https://data.sec.gov/api/xbrl/companyconcept/CIK${cik}/us-gaap/${tag}.json`;
@@ -360,5 +365,8 @@ async function handleEquityTool(name, args) {
     // Issuers tag the same concept differently, so naming the tag behind each
     // series makes the figures checkable against EDGAR rather than trusted.
     `_XBRL concepts used: ${usedTags.join(" · ")}_`, ``, `_Figures are as filed with the SEC. Not investment advice._`);
-    return { content: [{ type: "text", text: lines.join("\n") }] };
+    return {
+        content: [{ type: "text", text: lines.join("\n") }],
+        structuredContent: buildStockFundamentals(ticker, company.name ?? null, company.cik ?? null, quote, quarterly, annual),
+    };
 }

package/dist/tools/insight.js

@@ -11,11 +11,11 @@ const signal_gate_js_1 = require("../signal-gate.js");
 exports.INSIGHT_TOOLS = [
     {
         name: "ask_finch",
-        description: "Ask Noel anything - analysis, opinions, explanations, strategy, or ideas. Noel loads your saved memory to personalize every answer. Use for: research questions, content ideas, code explanations, decision-making, DeFi analysis, trade ideas, or just thinking out loud. Pass previous messages to continue a conversation across tool calls.",
+        description: "Ask Finch anything - analysis, opinions, explanations, strategy, or ideas. Finch loads your saved memory to personalize every answer. Use for: research questions, content ideas, code explanations, decision-making, DeFi analysis, trade ideas, or just thinking out loud. Pass previous messages to continue a conversation across tool calls. If YOU are already a reasoning model (Claude, GPT, etc. calling this via MCP) and other tools already gave you the data you need, just answer directly instead of calling this - it runs a separate LLM call and won't tell you anything you can't already work out yourself from that data.",
         inputSchema: {
             type: "object",
             properties: {
-                question: { type: "string", description: "Your question or request for Noel" },
+                question: { type: "string", description: "Your question or request for Finch" },
                 messages: {
                     type: "array",
                     description: "Previous conversation messages for context (optional)",
@@ -63,7 +63,7 @@ exports.INSIGHT_TOOLS = [
         },
     },
 ];
-const AskNoelSchema = zod_1.z.object({
+const AskFinchSchema = zod_1.z.object({
     question: zod_1.z.string().min(1),
     messages: zod_1.z.array(zod_1.z.object({ role: zod_1.z.enum(["user", "assistant"]), content: zod_1.z.string() })).optional(),
 });
@@ -78,12 +78,12 @@ const TradePlanSchema = zod_1.z.object({
     riskTolerance: zod_1.z.enum(["conservative", "moderate", "aggressive"]).optional(),
     timeframe: zod_1.z.string().optional(),
 });
-const NOEL_BASE_PROMPT = `You are Noel, the core intelligence of the Finch runtime - the persistent state layer for AI assistants. You are direct, sharp, and thorough. You have access to memory that accumulates, vaults that version knowledge, agents that keep running between sessions, workflows that execute on schedule, plus execution domains: web research, market intelligence, code, and DeFi on Base. When asked anything, give your honest read backed by real reasoning. No filler, no disclaimers.
+const FINCH_BASE_PROMPT = `You are Finch, the core intelligence of the Finch runtime - the persistent state layer for AI assistants. You are direct, sharp, and thorough. You have access to memory that accumulates, vaults that version knowledge, agents that keep running between sessions, workflows that execute on schedule, plus execution domains: web research, market intelligence, code, and DeFi on Base. When asked anything, give your honest read backed by real reasoning. No filler, no disclaimers.
 
 When the user's vault or memory contains relevant prior research, build on it explicitly rather than starting from scratch. Reference vault entries by title when you cite them.`;
 async function searchVault(question, limit = 3) {
     try {
-        const data = await (0, convex_js_1.callConvex)("/vault/search", "POST", { query: question, limit }, "ask_finch_vault");
+        const data = await (0, convex_js_1.callConvex)("/vault/search", "POST", { query: question, limit }, "vault_search");
         const entries = data?.entries ?? data?.results ?? [];
         return Array.isArray(entries) ? entries.slice(0, limit) : [];
     }
@@ -93,7 +93,7 @@ async function searchVault(question, limit = 3) {
 }
 async function fetchProfileContext() {
     try {
-        const data = await (0, convex_js_1.callConvex)("/vault/profile-context?maxChars=3000", "GET", undefined, "profile_context");
+        const data = await (0, convex_js_1.callConvex)("/vault/profile-context?maxChars=3000", "GET", undefined, "vault_read");
         return (data?.context ?? "").trim();
     }
     catch {
@@ -138,8 +138,8 @@ async function buildSystemPrompt(question) {
         blocks.push(`<user_vault>\nThe user already has these prior artifacts on closely related topics - build on them, don't repeat them:\n${vaultBlock}\n</user_vault>`);
     }
     const prompt = blocks.length === 0
-        ? NOEL_BASE_PROMPT
-        : `${NOEL_BASE_PROMPT}\n\n${blocks.join("\n\n")}`;
+        ? FINCH_BASE_PROMPT
+        : `${FINCH_BASE_PROMPT}\n\n${blocks.join("\n\n")}`;
     return { prompt, meta };
 }
 function formatContextHeader(meta) {
@@ -391,7 +391,7 @@ function spreadNote(priceData) {
 }
 async function handleInsightTool(name, args) {
     if (name === "ask_finch") {
-        const parsed = AskNoelSchema.safeParse(args);
+        const parsed = AskFinchSchema.safeParse(args);
         if (!parsed.success)
             return { content: [{ type: "text", text: `Invalid input: question ${parsed.error.issues[0].message}` }], isError: true };
         const { question, messages = [] } = parsed.data;
@@ -419,25 +419,21 @@ async function handleInsightTool(name, args) {
                 systemPrompt += `\n\nCRITICAL: User is asking about a current price but no live data was retrieved. Reply honestly: "I don't have a live price quote right now - check CoinGecko or DexScreener directly." DO NOT state any specific price number. DO NOT recall a price from training data.`;
             }
         }
-        let answer = null;
-        if (process.env.BANKR_API_KEY || process.env.ANTHROPIC_API_KEY) {
-            try {
-                const history = messages.map(m => ({ role: m.role, content: m.content }));
-                answer = await (0, llm_js_1.callLLM)(systemPrompt, question, 1024, history);
-            }
-            catch {
-                // fall through to Convex backend
-            }
-        }
-        if (!answer) {
-            const data = await (0, convex_js_1.callConvex)("/mcp/chat", "POST", {
-                question,
-                agentId: "noel-default",
-                messages,
-                systemPrompt,
-            }, "ask_finch");
-            answer = data.answer ?? JSON.stringify(data);
+        if (!(0, llm_js_1.hasDirectLLMKey)()) {
+            return {
+                content: [{
+                        type: "text",
+                        text: "ask_finch needs its own LLM key to reason server-side - set one of " +
+                            "BANKR_API_KEY, ANTHROPIC_API_KEY, OPENAI_API_KEY, or GROK_API_KEY as an " +
+                            "environment variable, then retry. If YOU (the calling model) already have " +
+                            "the context needed to answer this, just answer directly instead - that's " +
+                            "usually faster and doesn't need a key at all.",
+                    }],
+                isError: true,
+            };
         }
+        const history = messages.map(m => ({ role: m.role, content: m.content }));
+        const answer = await (0, llm_js_1.callLLM)(systemPrompt, question, 1024, history);
         // Signal gate - if the model returned thin/meta output, flag it so the
         // user knows to retry with more specific framing or use deep_research.
         const signal = (0, signal_gate_js_1.checkSignal)(answer);
@@ -485,7 +481,7 @@ async function handleInsightTool(name, args) {
         // thesis is model work — and the caller is a model that can also weigh the
         // user's stated context. Hand over grounded data plus the structure.
         const suggest = process.env.TRIGGER_SECRET_KEY
-            ? `\n\n---\n💡 Use \`create_monitor\` for scheduled briefings on ${token.toUpperCase()}.`
+            ? `\n\n---\n💡 Use \`schedule_research\` for scheduled briefings on ${token.toUpperCase()}.`
             : "";
         return {
             content: [{
@@ -579,7 +575,7 @@ async function handleInsightTool(name, args) {
             ]
             : [`**Max position (${riskTolerance}):** ${band.label} — pass \`portfolioSize\` for USD figures.`];
         const suggest = process.env.TRIGGER_SECRET_KEY
-            ? `\n\n---\n💡 Use \`create_monitor\` for scheduled briefings on ${token.toUpperCase()}.`
+            ? `\n\n---\n💡 Use \`schedule_research\` for scheduled briefings on ${token.toUpperCase()}.`
             : "";
         return {
             content: [{