latam-synth

Privacy-safe synthetic financial data for Latin American fintech — available through Python, CLI, REST, Apify Actor, and Model Context Protocol (MCP) for AI agents.

Generador de datos sintéticos de comportamiento de ahorro financiero, calibrado con las distribuciones estadísticas de 506,311 registros reales de una app de ahorro LatAm (2015–2024): 305,808 transacciones, 108,570 metas de ahorro y 91,933 usuarios de México, Colombia, Argentina, Perú, Chile y más.

El output es 100% sintético: ningún registro deriva de un usuario real, solo de distribuciones agregadas. Sin PII y sin riesgo de reidentificación.

---

Model Context Protocol (MCP)

LatAm Synth is available to AI agents as an MCP tool through the hosted Apify MCP Server.

This repository contains the synthetic data generator and the Apify Actor implementation. The MCP transport server itself is provided by Apify, which exposes the active_yardstick/latam-synth Actor as a callable MCP tool.

MCP details

• MCP capability: Tools
• Transport: Streamable HTTP
• Hosted MCP server: Apify MCP Server
• Actor exposed as tool: active_yardstick/latam-synth
• Authentication: Apify OAuth or Bearer token
• Official MCP Registry name: io.github.jmendozapuche/latam-fintech-synthetic-data
• Registry metadata: server.json
• Apify Actor: https://apify.com/active_yardstick/latam-synth

MCP endpoint

https://mcp.apify.com?tools=active_yardstick/latam-synth

The tools parameter restricts the Apify MCP Server to the LatAm Synth Actor, making it directly discoverable and callable by compatible AI agents.

Example MCP configuration — OAuth

{
  "mcpServers": {
    "latam-synth": {
      "url": "https://mcp.apify.com?tools=active_yardstick/latam-synth"
    }
  }
}

On first connection, a compatible MCP client can open the Apify OAuth flow so the user can authorize access without placing an API token directly in the configuration.

Example MCP configuration — Bearer token

{
  "mcpServers": {
    "latam-synth": {
      "url": "https://mcp.apify.com?tools=active_yardstick/latam-synth",
      "headers": {
        "Authorization": "Bearer <APIFY_TOKEN>"
      }
    }
  }
}

Replace <APIFY_TOKEN> with an Apify API token.

What AI agents can do with LatAm Synth

An MCP-compatible agent can invoke LatAm Synth to generate:

• synthetic financial users
• linked savings goals
• deposit and withdrawal transactions
• country-filtered Latin American datasets
• reproducible datasets using a random seed
• realistic fintech test data without exposing personally identifiable information

Typical agent use cases include:

• evaluating financial AI agents
• generating test fixtures on demand
• creating synthetic datasets for demos and POCs
• testing recommendation or savings assistants
• bootstrapping ML and data-pipeline experiments

LatAm Synth currently exposes its functionality through MCP Tools. It does not currently expose MCP Resources or Prompts.

How MCP is implemented

LatAm Synth does not need to implement an MCP transport server inside this Python repository.

The architecture is:

MCP-compatible AI client
        |
        |  Streamable HTTP
        v
Apify MCP Server
        |
        |  exposes Actor as MCP Tool
        v
active_yardstick/latam-synth
        |
        v
Synthetic users + goals + transactions

Apify provides the hosted MCP server and authentication layer. The LatAm Synth Actor provides the executable tool functionality and structured input/output.

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Para qué sirve

• Testing y QA fintech: fixtures realistas para pipelines de pago, apps de presupuesto y motores de metas.
• Demos y POCs: dashboards con datos verosímiles de LatAm que se pueden mostrar públicamente.
• Entrenamiento de ML: datos de arranque para modelos de churn, recomendación y segmentación con patrones reales como estacionalidad, tasas de abandono y categorías de metas.
• AI agents: generación bajo demanda de datasets financieros sintéticos a través de MCP.
• Educación: datasets ilimitados para cursos de data science con narrativa de negocio real.

---

Uso rápido

CLI

pip install -e .
latam-synth generate --users 5000 --seed 42 --format csv --out ./output

Solo México y Colombia, formato parquet:

latam-synth generate --users 10000 --countries Mexico Colombia --format parquet

Python

from latam_synth import SyntheticGenerator, GeneratorConfig

data = SyntheticGenerator(
    GeneratorConfig(n_users=1000, seed=42)
).generate()

data["transactions"].head()

---

Qué hace fiel a este generador

La calibración fue verificada contra datos reales. Ver:

docs/validation_report.txt

El generador incorpora:

• distribuciones de montos lognormales por tipo de transacción
• estacionalidad mensual real
• pico de enero post-propósitos y valle de diciembre
• 8 categorías de metas con montos y horizontes propios
• tasas de logro y abandono observadas
• 73.8% de metas vencidas
• uplift de metas compartidas
• scores de usuario correlacionados
• cópula gaussiana con ρ=0.89 para disciplina-logro
• trayectorias temporales coherentes por meta
• integridad referencial entre usuarios, metas y transacciones

---

Apify Actor

LatAm Synth is also available as a hosted Apify Actor:

active_yardstick/latam-synth

Actor page:

https://apify.com/active_yardstick/latam-synth

The Actor can be called directly from Apify, through the Apify API, or exposed to AI clients through the Apify MCP Server.

Example input:

{
  "users": 1000,
  "seed": 42,
  "countries": ["Mexico", "Colombia"],
  "format": "csv",
  "push_to_dataset": true,
  "start_date": "2023-01-01",
  "end_date": "2024-12-31"
}

The seed parameter makes generation reproducible. The same seed and configuration produce the same synthetic output.

---

Where to find your output (Apify)

Every run writes output to two places.

Key-value store — all three tables

1. Open the run in Apify Console and click the Storage tab.
2. Click Key-value store.
3. Download the generated files:
   • users.csv — one row per synthetic user
   • goals.csv — savings goals linked to users
   • transactions.csv — deposit/withdrawal transactions linked to goals
   • OUTPUT — always present; JSON summary of the run, including parameters, row counts and downloadable keys
   • if format: json was selected, OUTPUT_DATA contains all three tables in a single JSON file instead of the three CSV files
4. Click the download icon next to each key to save the file.

Dataset — transactions

By default (push_to_dataset: true), all transactions are also pushed to the run's Dataset.

This allows you to:

• export as JSON, CSV, or Excel directly from the Dataset tab
• connect native Apify integrations to the Dataset output
• consume transactions programmatically

To disable this for very large runs where only the key-value-store files are needed, set:

{
  "push_to_dataset": false
}

The run log prints exact file names and row counts at the end of execution.

---

API REST local

Install the API dependencies:

pip install -e ".[api]"
uvicorn latam_synth.api:app --port 8000

Generate JSON with the three tables:

curl -s -X POST http://localhost:8000/generate \
  -H "Content-Type: application/json" \
  -d '{"users": 100, "seed": 42, "countries": ["Mexico", "Colombia"]}' | jq .meta

Example metadata response:

{
  "users": 100,
  "goals": 121,
  "transactions": 453
}

Download transaction CSV directly:

curl -s -X POST http://localhost:8000/generate \
  -H "Content-Type: application/json" \
  -H "Accept: text/csv" \
  -d '{"users": 500, "seed": 7}' \
  -o transactions.csv

Health check:

curl http://localhost:8000/health

{
  "status": "ok",
  "version": "0.2.0"
}

Local REST API limits:

• Rate limit: 10 requests/min per IP
• Maximum: 50,000 users per request

---

Privacy

The generated datasets are designed for development, testing, demos, experimentation and education without requiring production PII.

Key properties:

• 100% synthetic records
• no row is copied from a real user
• no names, emails, IDs or other direct PII are reproduced from the calibration dataset
• generation is based on aggregate statistical distributions
• synthetic tables preserve realistic relationships between users, goals and transactions

---

Desarrollo

pip install -e ".[dev]"
pytest

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MCP registry metadata

This repository includes server.json for MCP registry discovery.

Current server identity:

io.github.jmendozapuche/latam-fintech-synthetic-data

The registered remote MCP endpoint is:

https://mcp.apify.com?tools=active_yardstick/latam-synth

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Changelog

v0.2

• mezcla de lognormales (KS=0.032)
• snap a valores redondos (69.5% en malla)
• trayectorias temporales coherentes por meta
• 100% de transacciones dentro de la ventana [created_at, deadline]
• API FastAPI
• Apify Actor
• MCP exposure through the hosted Apify MCP Server