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+# A Money Forward Cloud 経費 connector
+
+We run qm at a Japanese company, and expense claims are the thing people most often want
+to ask an agent about that it currently cannot see. Money Forward Cloud is the dominant
+back-office suite here; 経費 (クラウド経費) is its expense product.
+
+We have this working locally and are happy to hand over whatever is useful, but the
+interesting part is not the code — it is one decision we could not make well on our own.
+
+## It fits the existing shape
+
+`https://expense.moneyforward.com` speaks plain OAuth 2.0 authorization code, and the
+token response is standard, so the default adapters in `makeTokenAdapters({})` handle both
+exchange and refresh with no custom code. The authorize and token URLs are static strings
+(`/oauth/authorize`, `/oauth/token`), the API is REST under
+`/api/external/v1/`, and there is a single host to allow. It is the same shape as Linear or
+Dropbox: an additive `PROVIDERS` entry, three lines of secret schema, one line in
+`CONNECTOR_SKILL_PROVIDERS`, and a seed skill.
+
+Refresh tokens rotate — using a newly issued access token invalidates the previous access
+token *and* the previous refresh token. `refreshAndStore` already persists whatever
+`refresh_token` comes back and dedupes concurrent refreshes through `inflightRefreshes`, so
+this needs nothing new. We mention it only because it is what convinced us the connector
+belongs in core: a skill holding a static credential cannot do this safely, since a failed
+write-back or two turns refreshing at once leaves the credential permanently broken.
+
+## The decision we would like your view on: scopes
+
+Money Forward documents no read-only scope for the resources people actually want to read.
+The scope list is `office_setting:*`, `user_setting:*`, `transaction:*`, `report:*`,
+`account:*`, `public_resource:read`, and while `:read` variants exist for some, we could
+not find `transaction:read` or `report:read` anywhere in their published docs — only the
+`:write` forms appear in the examples. So reading someone's expense transactions appears to
+require a scope that also lets an agent create and update them.
+
+That is an uncomfortable default for a money system, and it is not really a Money Forward
+problem — it is a question about what qm should do when a vendor offers no read-only scope
+for something consequential.
+
+We defaulted the provider entry to `public_resource:read` + `user_setting:read`, which is
+enough to prove the connection and nothing else, and left widening to an administrator
+through the per-org scope override, with the reason spelled out in `scopesRationale`. The
+seed skill tells the agent that a 403 or an empty result most likely means scope rather
+than "no expenses", so users get pointed at the real cause.
+
+We are not sure that is the right call. The alternatives we considered were requesting the
+write scopes by default and relying on the skill to refuse to write, or splitting the
+provider so the write scopes are a separate connection. Both felt worse, but we would
+rather follow whatever convention you want here than invent one, since the same question
+will come up for any other vendor that bundles read into write.
+
+Happy to test against a live Japanese Money Forward tenant either way — that is the part
+that is hard to come by outside Japan.