Glossary
What is an MCP server?
An MCP server is a program that gives AI apps such as Claude, ChatGPT or VS Code a set of tools and data from another service, using the Model Context Protocol (MCP). Once it’s connected, the AI can act in that service when you ask, for example by fetching last month’s results or drafting a new auto-reply, instead of only talking about it.
Updated 6 October 2026
An MCP server is a program that offers a service’s actions and data to AI apps through the Model Context Protocol, so an assistant can use them when you ask.
How an MCP server works
MCP is an open standard for connecting AI applications to other software, first published by Anthropic in November 2024. It splits the work three ways. The host is the AI app you talk to. Inside it, a client keeps one dedicated connection to each server. The server is the program at the other end, which gives the host access to one service or one set of data.
- Tools: actions the AI can call. Each has a name, a plain-language description and a JSON Schema for its inputs, so the model can judge when a tool fits and what to pass it.
- Resources: information the AI can read for context, such as the contents of a file, a database record or the response from an API.
- Prompts: reusable templates the server offers, such as instructions for a common task with worked examples.
When you connect a server, the host requests its list of tools (a tools/list request) and adds them to what the model may use. If the model decides a tool answers your request, the host sends a tools/call request with the arguments, hands the result back to the model and the conversation carries on. Every message underneath is JSON-RPC 2.0, which is why one server works in any app that speaks MCP.
Local and remote servers
| Question | Local server | Remote server |
|---|---|---|
| Where it runs | On your own computer, started by the AI app | On the provider’s servers, reached over the internet |
| How it talks to the app | Standard input and output (stdio) | Streamable HTTP |
| How access is granted | It runs with your permissions on that machine | Bearer tokens or API keys; MCP recommends getting tokens through OAuth sign-in |
| Typical uses | Reading folders or a local database | Hosted services such as error trackers, CRMs and DM tools |
| Who it serves | Typically one client | Typically many clients at once |
Most business tools offer the remote kind. Setting one up means pasting a URL into your AI app’s connector settings, signing in to the service and approving access. A local server takes more effort, because it has to be installed and kept running on your own machine.
Connecting one safely
- Check who publishes it. A server can do whatever its tools allow with the access you grant, so prefer the one run by the service itself over an unofficial copy.
- Read the sign-in screen. It should name the account the server will act on. Be wary of any set-up that asks you to paste a password into a chat.
- Approve actions that change things. Apps such as Claude and ChatGPT can ask before a tool runs, so read the request when it sends, deletes or spends something.
- Treat tool results as information, not orders. A DM, email or web page fetched by a tool can contain text written to steer the AI, so don’t let it act on directions you never gave.
- Disconnect servers you stop using, either in the AI app’s settings or in the service’s own dashboard.
A server can also come back to you in the middle of a task. MCP calls this elicitation: rather than guess, the server asks the user for a missing detail or a confirmation.
Example: an MCP server for Instagram DMs
DMFast runs a remote MCP server so people can manage Instagram and Facebook auto-replies from ChatGPT, Claude and other MCP apps. In Claude it’s added as a custom connector; ChatGPT needs developer mode switched on first. You sign in to DMFast and press Allow, so the AI app never sees your Instagram password, and it can act only on the account you connected.
Connecting through MCP lifts none of Meta’s limits. Asked to message someone, the server can send a DM only within 24 hours of that person’s last message, the same rule every app on Meta’s API follows.
An example
With a DM tool’s MCP server connected, someone asks Claude how many emails their GUIDE auto-reply collected in the last 30 days. Claude calls a tool that lists auto-replies, then one that fetches that reply’s results, and answers with the number.
Questions people ask
What does MCP stand for?
Model Context Protocol. It’s an open standard for connecting AI applications to outside tools and data, introduced by Anthropic in November 2024 and now supported by apps including Claude, ChatGPT and VS Code. The MCP server is the program on the service’s side of the connection.
Is an MCP server the same as an API?
Not quite. An API is made for programmers, who write code to call it. An MCP server usually sits on top of an API and describes each action in words and a schema, so an AI model can work out when and how to use it. One server then works in every app that supports MCP.
Do I need to code to use an MCP server?
Not for a remote one. You add its URL in your AI app’s connector settings, sign in to the service and approve access. Local servers ask more of you, since they’re installed and run on your own computer, often from a command line.
Is it safe to connect an MCP server?
It’s as safe as the server and the access you give it. Stick to servers run by services you trust, check which account the sign-in covers, approve anything that sends or deletes, and disconnect servers you no longer use.
Can an MCP server send Instagram DMs for me?
Only within Meta’s rules. A server built on Meta’s official API can reply to people who messaged a professional account in the last 24 hours, or answer a comment once in private within 7 days of it. It can’t message people who never contacted the account, and MCP doesn’t change that.
Sources
Related terms
- OAuth loginOAuth lets an app act on your account without your password: you approve specific permissions on the account’s own site, and the app receives a token.
- WebhookA webhook is an automatic HTTP request one app sends to a URL you choose whenever an event happens, such as a new comment, so nobody has to keep checking.
- ChatbotA chatbot is software that answers messages automatically, either by following rules you set, like keywords and buttons, or by writing replies with AI.
- Inbox automationInbox automation is a set of rules that act on incoming DMs by themselves: replying, asking follow-up questions, labelling chats or handing them to a person.
- Instagram API with Instagram LoginThe Instagram API with Instagram Login lets apps work with an Instagram professional account that signs in with Instagram, without a linked Facebook Page.
- API rate limitAn API rate limit caps how many requests an app may make to a service in a set period, such as 750 private replies an hour for one Instagram account.
More terms
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