monarch-import - SKILL.md Agent Skill

name: monarch-import description: Import a points-activity CSV into Monarch Money via the Monarch MCP. Use whenever the user wants to push, import, sync, or save loyalty points/miles activity INTO Monarch — e.g. "import my Hyatt points into Monarch", "sync my Bilt activity to Monarch Money". This is an IMPORTER (consumes the unified CSV that a points-activity extractor produced). Requires the Monarch MCP connected. SCAFFOLD — see TODOs before relying on it.

Importer · archetype: api/mcp. Part of the points-activity suite — see docs/ARCHITECTURE.md. Reads the unified CSV with scripts/canonical_csv.py and writes into Monarch via its MCP. The Finerd importer (skills/finerd-import/) is the reference api/mcp implementation — adapt its patterns to Monarch's actual MCP tools; implement only what Monarch supports.

Monarch Money Importer (points CSV → Monarch)

STATUS: scaffold. The pipeline shape is fixed; the Monarch-specific MCP calls are TODO. Fill them in against the live Monarch MCP tool names, then remove this note.

The one hard rule

Never delete or destroy. Create (and, if Monarch supports it, update in place); never delete a transaction or remove user data — even when re-syncing. If cleanup seems needed, surface it to the user.

Procedure

Read the CSV. from canonical_csv import read_activity, parse_summary — gives {date, description, amount} rows (amount signed: earn +, redeem −) plus the reported balance/covered range from the extractor's stdout.
Find/confirm the destination in Monarch. TODO: discover the account/holding that represents this loyalty program via the Monarch MCP (list accounts / search). Do not create duplicates; reuse an existing one.
Map rows → Monarch transactions. TODO: translate each CSV row to the Monarch MCP's create-transaction shape (date, merchant/description, amount, category). Decide the earn/redeem → credit/debit convention from what Monarch's model expects.
Dedupe before writing. TODO: query existing transactions on the destination and skip rows already present (match on date + amount + description). Monarch may or may not expose a points/asset concept — if it only models money, represent points as a custom asset/holding or note the limitation to the user.
Reconcile (only if Monarch supports it). TODO: if Monarch has a verified/true balance concept, set it to the extractor's reported balance so any gap is corrected; otherwise report the computed-vs-live delta to the user.

Notes

No external Python deps; canonical_csv.py is shared and must stay byte-identical to the canonical copy (CI enforces).
If Monarch has no public/MCP write path for this data, consider a file archetype instead (emit a Monarch-format CSV for manual upload) — see ARCHITECTURE.md.