Qonto (BYOK)

Qonto (BYOK) — connector documentation

• MCP endpoint: https://byok-qonto.connectorbay.com/mcp
• REST API: POST https://byok-qonto.connectorbay.com/v1/tools/{tool_name}, described by the OpenAPI 3.1 spec at https://byok-qonto.connectorbay.com/openapi.json
• Transport: Streamable HTTP, stateless, MCP specification 2025-06-18 or later
• Authentication: your own Qonto Qonto API credential written as login:secret-key (for example pied-piper-7132:62885d39f3a0ddedd3d3ee0432a43ccr), sent in the X-Upstream-Key header of every request (never stored, logged or cached)
• Health: https://byok-qonto.connectorbay.com/health · Tool schemas: https://byok-qonto.connectorbay.com/tools.json
• Publisher: Unify Dynamics LLC · connectorbay.com/byok-qonto · agent@connectorbay.com

What Qonto (BYOK) is for

Qonto (BYOK) lets an AI assistant read your own Qonto data through the Qonto API with a key you supply (Qonto API credential written as login:secret-key (for example pied-piper-7132:62885d39f3a0ddedd3d3ee0432a43ccr)). Read-only: 8 tools (get_organization, list_transactions, list_statements, list_client_invoices, list_supplier_invoices, list_cards, list_memberships, list_labels). The BYOK key travels with each request, is used for that one call only and is never stored, logged or cached; it is only ever sent to thirdparty.qonto.com. Unofficial connector by Unify Dynamics LLC: not affiliated with, endorsed by or sponsored by Qonto. Qonto and its logos are trademarks of their owners and are used only to say which service the connector works with.

Ask your assistant things like:

• "What are my Qonto account balances?"
• "What were the latest transactions on my main Qonto account?"
• "Which Qonto statements are available?"
• "Which of my Qonto client invoices are unpaid?"
• "Which supplier invoices are waiting for payment in Qonto?"
• "Which Qonto cards are active and what are their limits?"

What it does

• get_organization: Show the Qonto organization (legal name, country, legal form) and all its bank accounts with id, IBAN, balance, currency and status. Use the account ids in other tools.
• list_transactions: List transactions of one Qonto bank account (completed by default), newest settled first, with amount, direction, counterparty label, type, status and dates.
• list_statements: List monthly account statements with period, bank account and the PDF file name and size. The file link in the answer expires after 30 minutes.
• list_client_invoices: List invoices you issued to clients with number, status, totals, client, issue and due dates and paid time. Needs a key with invoicing access.
• list_supplier_invoices: List supplier invoices (bills to pay) with supplier, invoice number, status, total, issue, due and payment dates. Needs a key with supplier invoice access.
• list_cards: List payment cards with nickname, status, level, type, last four digits, expiry, holder and spending limits (never the full number).
• list_memberships: List the people with access to the Qonto organization with name, role, status and team id.
• list_labels: List the labels (tags, possibly nested) used to categorise Qonto transactions.

BYOK key

You bring your own Qonto Qonto API credential written as login:secret-key (for example pied-piper-7132:62885d39f3a0ddedd3d3ee0432a43ccr) (https://docs.qonto.com/get-started/business-api/authentication/api-key). Your assistant sends it in the X-Upstream-Key header with each request. ConnectorBay uses it for that one call only: it is never stored, logged or cached, never shown in an answer, and it is only sent to thirdparty.qonto.com over https, with no redirects followed. Create a key with the fewest permissions the tools need (read-only if the provider offers it), and revoke it at the provider whenever you like.

Data sources

• https://docs.qonto.com/api-reference (the API this connector calls, with a BYOK key)

Live from the Qonto API (thirdparty.qonto.com) with a BYOK key; documentation: https://docs.qonto.com/api-reference. Endpoints checked against that documentation on 2026-10-16.

What it is not

Unofficial connector by Unify Dynamics LLC: not affiliated with, endorsed by or sponsored by Qonto. Qonto and its logos are trademarks of their owners and are used only to say which service the connector works with. It is read-only: it never creates, changes, sends or deletes anything in your Qonto account.

Built for: Worldwide. Languages: English.

Qonto (BYOK) — Privacy Policy

Effective 24 October 2026. Unify Dynamics LLC ("we", "us"), Menlo Park, California.

What Qonto (BYOK) is. Qonto (BYOK) is a connector (an MCP server and REST API) that an AI assistant calls on your behalf to read your own Qonto data: Read your Qonto business accounts, balances, transactions, statements, client and supplier invoices, cards and team with your own API key. You bring your own Qonto Qonto API credential written as login:secret-key (for example pied-piper-7132:62885d39f3a0ddedd3d3ee0432a43ccr); the assistant sends it to us with each request.

BYOK key. The key you supply is used to make the one Qonto call you asked for. Our application does not store it, write it to a log, put it in a cache, or share it. It is sent only to thirdparty.qonto.com, over https, and is removed from any text we return to you or your assistant. We do not follow redirects with your key. If Qonto rejects it, we say so without repeating it.

What we receive. The arguments of each tool call, the BYOK key (for that call only), the technical headers needed to serve the request (an IP address or a client identifier supplied by the assistant) and standard server logs. What Qonto receives. The request we make on your behalf, including the key and the arguments, under Qonto's own terms and privacy policy. Qonto acts at your direction and is the only recipient of the data of your request besides our hosting provider.

What we return. The answer Qonto gives for your request, trimmed to the fields the tool documents. We do not keep it: it is returned to your assistant and not stored, cached or used to train anything.

What we do not do. We do not build a profile, sell or share personal information, or keep your Qonto data. Rate-limit counters (a client identifier and timestamps) are held in memory for at most 24 hours. Hosting access logs (IP addresses, request paths and status codes) are kept for up to 30 days for security and abuse prevention; our application adds no request headers or bodies to them.

Sub-processors. Qonto (the API you call with a BYOK key, at your direction). Hosting: Vercel (United States regions).

Your rights. Because we store no personal data beyond short-lived logs, requests to access, correct or delete data are usually satisfied automatically; you can still contact agent@connectorbay.com and we will respond within 30 days. Revoke your key at Qonto at any time to end all access.

Children. Qonto (BYOK) is a general-audience service operated by the adult using the assistant, under Qonto's own age rules.

Changes. We will post changes here with a new effective date.

Qonto (BYOK) — Terms of Service

Effective 24 October 2026. These terms govern use of the Qonto (BYOK) connector ("the Service") operated by Unify Dynamics LLC ("we", "us").

1. The Service. Qonto (BYOK) provides: Read your Qonto business accounts, balances, transactions, statements, client and supplier invoices, cards and team with your own API key. It is accessed through an AI assistant or directly over MCP or HTTP, and is read-only.
2. Your own key, your own account. You must use your own Qonto credentials and only access data you are allowed to access. Qonto's terms apply to your use of Qonto; you are responsible for complying with them, including any rate limits and permitted uses. Do not share a key you do not own.
3. Independent. Unofficial connector by Unify Dynamics LLC: not affiliated with, endorsed by or sponsored by Qonto. Qonto and its logos are trademarks of their owners and are used only to say which service the connector works with.
4. No advice, no guarantees. Output is the data Qonto returns, lightly trimmed; it may be incomplete, delayed or changed by Qonto. Check important facts at the source.
5. Read-only. The Service does not create, change, send or delete anything in your Qonto account.
6. Acceptable use. Automated use within the published rate limits is welcome. Do not use the Service to access data you are not entitled to, to circumvent Qonto's controls, or to attack any system.
7. Availability. The Service is provided "as is" without warranty. We may change, limit or discontinue it at any time; Qonto may change or end its API at any time.
8. Data. Our Privacy Policy describes what we process. In short: the BYOK key is used for the one call and not stored or logged.
9. Pro keys. Optional ConnectorBay Pro API keys are issued at our discretion and are separate from your Qonto key.
10. Liability. To the fullest extent permitted by law, Unify Dynamics LLC is not liable for any loss arising from use of or reliance on the Service, including any action Qonto takes on your account. Our total liability is limited to US $100.
11. Governing law. California law; venue in San Mateo County, California.
12. Contact. Unify Dynamics LLC · agent@connectorbay.com · https://connectorbay.com/byok-qonto

Qonto (BYOK) support

Email agent@connectorbay.com. We answer within two business days.

• MCP endpoint: https://byok-qonto.connectorbay.com/mcp
• REST API: https://byok-qonto.connectorbay.com/openapi.json
• Live status: https://byok-qonto.connectorbay.com/health

When you report a problem, include the question you asked your agent, roughly when, and which agent you used (for example Claude, ChatGPT or Gemini). Never send us passwords, account numbers or ID numbers. Qonto (BYOK) never asks for them.