What's the difference between MCP and a plain API call?
With a direct API integration, your code names the endpoint and request shape. An MCP client asks a server what tools it offers, reads their schemas, then calls one. You can run that MCP server yourself, just as you can call someone else’s plain API.
An MCP client can keep building calls against a stale tools/list result after the server changes its schema. A direct API integration can break when a vendor changes an endpoint your code still calls. The cached MCP tool list is the difference to inspect; server ownership tells you neither contract is safe from change.