diff --git a/mcp/src/mcp/server.ts b/mcp/src/mcp/server.ts
index 97b13ec471..1a57d04e2a 100644
--- a/mcp/src/mcp/server.ts
+++ b/mcp/src/mcp/server.ts
@@ -10,6 +10,7 @@ import type { z } from "zod";
 
 import { hasScope, type Principal } from "../tokens/principal";
 import type { UpstreamClient } from "../upstream/client";
+import { getAccount } from "./tools/get-account";
 import { getCreditBalance } from "./tools/get-credit-balance";
 import { type ToolDefinition, ToolFailure, UpstreamSessionInvalid } from "./tools/types";
 
@@ -21,7 +22,10 @@ import { type ToolDefinition, ToolFailure, UpstreamSessionInvalid } from "./tool
 
 export const SERVER_INFO = { name: "artcraft", version: "0.0.0" } as const;
 
-export const TOOLS: readonly ToolDefinition<z.ZodRawShape, z.ZodRawShape>[] = [getCreditBalance];
+export const TOOLS: readonly ToolDefinition<z.ZodRawShape, z.ZodRawShape>[] = [
+  getAccount,
+  getCreditBalance,
+];
 
 export interface McpServerDeps {
   readonly principal: Principal;
diff --git a/mcp/src/mcp/tools/get-account.ts b/mcp/src/mcp/tools/get-account.ts
new file mode 100644
index 0000000000..64d76cb269
--- /dev/null
+++ b/mcp/src/mcp/tools/get-account.ts
@@ -0,0 +1,69 @@
+import { z } from "zod";
+
+import { READ_ONLY_ANNOTATIONS, type ToolDefinition, ToolFailure, unwrapUpstream } from "./types";
+
+/**
+ * Who the signed-in user is. Deliberately small: name, the feature flags that change what
+ * they can do, and the account-setup facts that explain "why can't I…" questions. Credits and
+ * plan live in get_credit_balance.
+ */
+
+const outputSchema = {
+  username: z.string().describe("The user's Artcraft username."),
+  display_name: z.string().describe("The name shown in the app."),
+  feature_flags: z
+    .array(z.string())
+    .describe("Feature flags enabled on the account (e.g. api_key, upload_3d). Empty when none."),
+  account_setup: z
+    .object({
+      email_set: z.boolean(),
+      email_confirmed: z.boolean(),
+      password_set: z.boolean(),
+      username_customized: z.boolean(),
+    })
+    .describe("Onboarding state; a false value is something the user still has to do in the app."),
+};
+
+export const getAccount: ToolDefinition<Record<string, never>, typeof outputSchema> = {
+  name: "get_account",
+  title: "Get account",
+  description:
+    "Returns who is signed in to Artcraft: username, display name, enabled feature flags, and " +
+    "account-setup state (email set/confirmed, password set, username customized). Use it to " +
+    "address the user or to explain what their account can do. Takes no arguments. For credits " +
+    "and plan, call get_credit_balance.",
+  requiredScope: "read:account",
+  inputSchema: {},
+  outputSchema,
+  annotations: { ...READ_ONLY_ANNOTATIONS, title: "Get account" },
+
+  async handler({ upstream }) {
+    const session = unwrapUpstream(await upstream.GET("/v1/session"));
+    if (!session.logged_in || !session.user) {
+      // The credential was accepted but identifies nobody: treat as an invalid session.
+      throw new ToolFailure("Artcraft did not recognise this sign-in. Disconnect and reconnect.");
+    }
+    const { user } = session;
+    const structured = {
+      username: user.username,
+      display_name: user.display_name,
+      feature_flags: [...user.maybe_feature_flags],
+      account_setup: {
+        email_set: !user.onboarding.email_not_set,
+        email_confirmed: !user.onboarding.email_not_confirmed,
+        password_set: !user.onboarding.password_not_set,
+        username_customized: !user.onboarding.username_not_customized,
+      },
+    };
+    return { structured, text: describe(structured) };
+  },
+};
+
+function describe(account: z.infer<z.ZodObject<typeof outputSchema>>): string {
+  const flags = account.feature_flags.length > 0 ? account.feature_flags.join(", ") : "none";
+  const todo = Object.entries(account.account_setup)
+    .filter(([, done]) => !done)
+    .map(([key]) => key.replace(/_/g, " "));
+  const setup = todo.length > 0 ? `Still to do: ${todo.join(", ")}.` : "Account setup complete.";
+  return `Signed in as ${account.username} (${account.display_name}). Feature flags: ${flags}. ${setup}`;
+}
diff --git a/mcp/test/auth/authenticator.test.ts b/mcp/test/auth/authenticator.test.ts
index dfe05f86a3..34169ad5dd 100644
--- a/mcp/test/auth/authenticator.test.ts
+++ b/mcp/test/auth/authenticator.test.ts
@@ -3,10 +3,9 @@ import { describe, expect, it } from "vitest";
 import { createArtcraftAuthenticator, type SignInOutcome } from "../../src/auth/authenticator";
 import { SESSION_HEADER_NAME } from "../../src/upstream/credential";
 import { fixture } from "../helpers/contract";
+import { SESSION_ANONYMOUS, SESSION_OK, SIGNED_SESSION } from "../helpers/fixtures";
 
 const UPSTREAM = "https://api.example.test";
-const SIGNED_SESSION =
-  "eyJhbGciOiJIUzI1NiJ9.eyJzZXNzaW9uX3Rva2VuIjoic2Vzc2lvbl90ZXN0In0.c2lnbmF0dXJl";
 const PASSWORD = "localdev1pass";
 
 // Fixtures are validated against the spec snapshot when declared.
@@ -33,59 +32,6 @@ const GOOGLE_REJECTED = fixture("CommonWebError", {
   error_code_str: "NotAuthorized",
   message: "google credential was not accepted",
 });
-const SESSION_USER = {
-  core_info: {
-    user_token: "user_localdev1",
-    username: "localdev1",
-    display_name: "Local Dev",
-    gravatar_hash: "0".repeat(32),
-    default_avatar: { color_index: 0, image_index: 0 },
-  },
-  user_token: "user_localdev1",
-  username: "localdev1",
-  display_name: "Local Dev",
-  email_gravatar_hash: "0".repeat(32),
-  onboarding: {
-    email_not_set: false,
-    email_not_confirmed: false,
-    password_not_set: false,
-    username_not_customized: false,
-  },
-  can_access_studio: false,
-  maybe_feature_flags: [],
-  fakeyou_plan: "free",
-  storyteller_stream_plan: "free",
-  can_use_tts: true,
-  can_use_w2l: true,
-  can_delete_own_tts_results: true,
-  can_delete_own_w2l_results: true,
-  can_delete_own_account: true,
-  can_upload_tts_models: true,
-  can_upload_w2l_templates: true,
-  can_delete_own_tts_models: true,
-  can_delete_own_w2l_templates: true,
-  can_approve_w2l_templates: false,
-  can_edit_other_users_profiles: false,
-  can_edit_other_users_tts_models: false,
-  can_edit_other_users_w2l_templates: false,
-  can_delete_other_users_tts_models: false,
-  can_delete_other_users_tts_results: false,
-  can_delete_other_users_w2l_templates: false,
-  can_delete_other_users_w2l_results: false,
-  can_ban_users: false,
-  can_delete_users: false,
-};
-const SESSION_OK = fixture("SessionInfoSuccessResponse", {
-  success: true,
-  logged_in: true,
-  user: SESSION_USER,
-});
-const SESSION_ANONYMOUS = fixture("SessionInfoSuccessResponse", {
-  success: true,
-  logged_in: false,
-  user: null,
-});
-
 interface Route {
   status: number;
   body: unknown;
diff --git a/mcp/test/helpers/fixtures.ts b/mcp/test/helpers/fixtures.ts
new file mode 100644
index 0000000000..f638a3546a
--- /dev/null
+++ b/mcp/test/helpers/fixtures.ts
@@ -0,0 +1,61 @@
+import { fixture } from "./contract";
+
+/** Spec-validated upstream fixtures shared across suites. */
+
+export const SIGNED_SESSION =
+  "eyJhbGciOiJIUzI1NiJ9.eyJzZXNzaW9uX3Rva2VuIjoic2Vzc2lvbl90ZXN0In0.c2lnbmF0dXJl";
+
+export const SESSION_USER = {
+  core_info: {
+    user_token: "user_localdev1",
+    username: "localdev1",
+    display_name: "Local Dev",
+    gravatar_hash: "0".repeat(32),
+    default_avatar: { color_index: 0, image_index: 0 },
+  },
+  user_token: "user_localdev1",
+  username: "localdev1",
+  display_name: "Local Dev",
+  email_gravatar_hash: "0".repeat(32),
+  onboarding: {
+    email_not_set: false,
+    email_not_confirmed: true,
+    password_not_set: false,
+    username_not_customized: false,
+  },
+  can_access_studio: false,
+  maybe_feature_flags: ["api_key", "upload_3d"],
+  fakeyou_plan: "free",
+  storyteller_stream_plan: "free",
+  can_use_tts: true,
+  can_use_w2l: true,
+  can_delete_own_tts_results: true,
+  can_delete_own_w2l_results: true,
+  can_delete_own_account: true,
+  can_upload_tts_models: true,
+  can_upload_w2l_templates: true,
+  can_delete_own_tts_models: true,
+  can_delete_own_w2l_templates: true,
+  can_approve_w2l_templates: false,
+  can_edit_other_users_profiles: false,
+  can_edit_other_users_tts_models: false,
+  can_edit_other_users_w2l_templates: false,
+  can_delete_other_users_tts_models: false,
+  can_delete_other_users_tts_results: false,
+  can_delete_other_users_w2l_templates: false,
+  can_delete_other_users_w2l_results: false,
+  can_ban_users: false,
+  can_delete_users: false,
+};
+
+export const SESSION_OK = fixture("SessionInfoSuccessResponse", {
+  success: true,
+  logged_in: true,
+  user: SESSION_USER,
+});
+
+export const SESSION_ANONYMOUS = fixture("SessionInfoSuccessResponse", {
+  success: true,
+  logged_in: false,
+  user: null,
+});
diff --git a/mcp/test/mcp/get-account.test.ts b/mcp/test/mcp/get-account.test.ts
new file mode 100644
index 0000000000..13ad6d8613
--- /dev/null
+++ b/mcp/test/mcp/get-account.test.ts
@@ -0,0 +1,84 @@
+import { describe, expect, it } from "vitest";
+
+import { getAccount } from "../../src/mcp/tools/get-account";
+import { ToolFailure, UpstreamSessionInvalid } from "../../src/mcp/tools/types";
+import { principalFromProps } from "../../src/tokens/principal";
+import { createUpstreamClient } from "../../src/upstream/client";
+import { SESSION_ANONYMOUS, SESSION_OK, SIGNED_SESSION } from "../helpers/fixtures";
+
+const principal = principalFromProps({
+  credential: { kind: "session", signedSession: SIGNED_SESSION },
+  grantIssuedAt: 1_800_000_000_000,
+  userToken: "user_localdev1",
+  username: "localdev1",
+  displayName: "Local Dev",
+  scopes: ["read:account"],
+});
+
+function contextWith(status: number, body: unknown) {
+  const upstream = createUpstreamClient({
+    baseUrl: "https://api.example.test",
+    use: "read",
+    credential: principal.credential,
+    fetch: () =>
+      Promise.resolve(
+        new Response(JSON.stringify(body), {
+          status,
+          headers: { "content-type": "application/json" },
+        }),
+      ),
+  });
+  return { principal, upstream };
+}
+
+describe("get_account", () => {
+  it("describes the signed-in user, flags, and setup state", async () => {
+    const result = await getAccount.handler(contextWith(200, SESSION_OK), {});
+    expect(result.structured).toEqual({
+      username: "localdev1",
+      display_name: "Local Dev",
+      feature_flags: ["api_key", "upload_3d"],
+      account_setup: {
+        email_set: true,
+        email_confirmed: false,
+        password_set: true,
+        username_customized: true,
+      },
+    });
+    expect(result.text).toBe(
+      "Signed in as localdev1 (Local Dev). Feature flags: api_key, upload_3d. Still to do: email confirmed.",
+    );
+  });
+
+  it("says setup is complete when nothing is outstanding", async () => {
+    const complete = {
+      ...SESSION_OK,
+      user: {
+        ...SESSION_OK.user,
+        onboarding: {
+          email_not_set: false,
+          email_not_confirmed: false,
+          password_not_set: false,
+          username_not_customized: false,
+        },
+        maybe_feature_flags: [],
+      },
+    };
+    const result = await getAccount.handler(contextWith(200, complete), {});
+    expect(result.text).toBe(
+      "Signed in as localdev1 (Local Dev). Feature flags: none. Account setup complete.",
+    );
+  });
+
+  it("fails when the session identifies nobody", async () => {
+    await expect(getAccount.handler(contextWith(200, SESSION_ANONYMOUS), {})).rejects.toThrow(
+      ToolFailure,
+    );
+  });
+
+  it("signals an invalid upstream session on 401", async () => {
+    await expect(
+      getAccount.handler(contextWith(401, { success: false, error_code: 401 }), {}),
+    ).rejects.toThrow(UpstreamSessionInvalid);
+  });
+});
diff --git a/mcp/test/mcp/handler.test.ts b/mcp/test/mcp/handler.test.ts
index 92a5d90da9..626901b54c 100644
--- a/mcp/test/mcp/handler.test.ts
+++ b/mcp/test/mcp/handler.test.ts
@@ -135,7 +135,7 @@ describe("the protected MCP route", () => {
     expect(client.getServerVersion()?.name).toBe("artcraft");
 
     const { tools } = await client.listTools();
-    expect(tools.map((t) => t.name)).toEqual(["get_credit_balance"]);
+    expect(tools.map((t) => t.name).sort()).toEqual(["get_account", "get_credit_balance"]);
 
     const result = await client.callTool({ name: "get_credit_balance", arguments: {} });
     expect(result.isError).toBeFalsy();
diff --git a/mcp/test/mcp/server.test.ts b/mcp/test/mcp/server.test.ts
index 4ef5282b5f..0a2858edb4 100644
--- a/mcp/test/mcp/server.test.ts
+++ b/mcp/test/mcp/server.test.ts
@@ -71,12 +71,12 @@ async function connect(scopes: string[], status = 200) {
 }
 
 describe("MCP server", () => {
-  it("identifies itself and lists get_credit_balance with its schema and annotations", async () => {
+  it("identifies itself and lists the read:account tools with schemas and annotations", async () => {
     const { client } = await connect(["read:account"]);
     expect(client.getServerVersion()).toMatchObject(SERVER_INFO);
     const { tools } = await client.listTools();
-    expect(tools.map((t) => t.name)).toEqual(["get_credit_balance"]);
-    const tool = tools[0];
+    expect(tools.map((t) => t.name).sort()).toEqual(["get_account", "get_credit_balance"]);
+    const tool = tools.find((t) => t.name === "get_credit_balance");
     expect(tool?.annotations).toMatchObject({ readOnlyHint: true, destructiveHint: false });
     expect(tool?.outputSchema).toBeDefined();
     expect(tool?.description).toMatch(/credit balance/);