Allica Bank
Allica Bank Limited is a UK financial-technology bank built specifically for established small and medium-sized businesses, offering business current accounts, savings, commercial mortgages, asset finance, and invoice finance. It is a privately owned, venture-backed challenger bank (not a mutual or building society), authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and PRA (FRN 821851), registered in England and Wales (company number 07706156). As an FCA-authorised ASPSP it participates in UK Open Banking under the Open Banking Implementation Entity (OBIE) Read/Write Standard and PSD2 - it is not one of the nine CMA9 mandated banks, but publishes a public developer portal exposing Account and Transaction Information (AIS), Payment Initiation (PIS), and Confirmation of Funds (fundsconfirmations) APIs for its Business Rewards accounts. Access is secured with FAPI-grade OAuth2/OIDC, PSD2 strong customer authentication, mutual-TLS client authentication, and dynamic client registration using Open Banking Directory / eIDAS certificates and Software Statement Assertions.
Real signal across most facets with visible, nameable gaps — the contract exists but is thin, or the portal is good while governance and commercial terms are absent.
API Evangelist profiles Allica Bank the way a machine reads it — 10 machine-readable artifacts across 4 APIs, pulled from the provider's own public surface and indexed so a developer, an analyst, or an AI agent can evaluate it against every other provider on the network.
Every provider in the network is reduced to the same set of machine-readable artifacts — OpenAPI contracts, event specifications, GraphQL schemas, runnable collections, pricing and rate-limit signals, security posture, OAuth scopes, and the agent surfaces (MCP servers and skills) that let software drive the API on its own. We profile them because the interface is the part of a company you can actually inspect: it is a truer signal of what a provider does than any marketing page. From those artifacts we compute the Kin Score — Allica Bank scores 46.3/100 (developing), with a separate agent-readiness read of 81/100 (agent native). The full breakdown is below, followed by every artifact we hold — each card links through to its machine-readable definition on apis.io.
Kin Score
This is the API Evangelist rating — a single, repeatable read computed from the artifacts on this page. Green fill is points earned; the red track is points possible, so every bar shows earned-versus-possible at a glance.
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
How we profile Allica Bank
Each block below is one kind of artifact we hold for Allica Bank. For each we say what it is and why it earns a place in the profile, then list every one we've indexed — capped at two rows, scroll within the panel for the rest.
APIs 4
Each API is captured as its own OpenAPI definition — every operation, parameter, and response. This is the single most useful machine-readable description of what an API does, and it's what lets us score, lint, mock, and generate against it without asking the provider for anything.
Individual APIs this provider publishes, each with its own machine-readable definition.
Allica Bank Account and Transaction Information API
Allica Bank's UK Open Banking Account Information Service (AIS) API, conformant to the OBIE Read/Write Standard v3.1, exposing account access consents, accounts, balances, trans...
Allica Bank Payment Initiation API
Allica Bank's UK Open Banking Payment Initiation Service (PIS) API, conformant to the OBIE Read/Write Standard v4.0, exposing domestic payment, domestic scheduled payment, and d...
Allica Bank Confirmation of Funds API
Allica Bank's UK Open Banking Confirmation of Funds (CBPII) capability, exposed through the OBIE Read/Write Standard and the `fundsconfirmations` OAuth scope, allowing authorise...
Allica Bank Dynamic Client Registration API
OBIE Dynamic Client Registration (DCR) v3.2 endpoint used by regulated Third Party Providers to register OAuth clients with Allica Bank using Software Statement Assertions issue...
MCP Servers 1
Model Context Protocol servers expose these APIs directly to AI agents. We profile them because agent-native access is the fastest-growing way this provider's capabilities actually get used.
Model Context Protocol servers that expose these APIs to AI agents.
allica-bank-mcp.yml
MCP SERVERSecurity Posture 3
Authentication, domain security, vulnerability disclosure, and trust-center signals — the evidence that a provider takes security seriously enough to document it. We profile it because you can't govern what you can't see.
Authentication, domain security, vulnerability disclosure, and trust-center signals.
Scopes 1
OAuth scopes are the vocabulary of least-privilege access. Profiling them shows exactly what an integration — or an agent acting on a user's behalf — is allowed to do.
OAuth scopes governing access to this provider's APIs.
Agentic Access 1
An x-agentic-access contract marks which operations are safe for an agent to run on its own and which need a human in the loop. It is the difference between an API an agent can use and one it can use safely.
Recommended x-agentic-access execution contracts for AI agents.
Resources
Every other property we hold for Allica Bank — documentation, portals, status pages, policies, and corporate surface — grouped by the job it does, following the integrator's arc from getting started to running in production.
Get Started 3
Portal, sign-up, and the first successful call
Documentation 1
Reference material describing how the API behaves
Agent Surfaces 5
MCP servers, agent skills, and machine-readable catalogs
Design & Contract 6
Pagination, idempotency, versioning, errors, and events
Access & Security 7
Authentication, authorization, and security posture
Scroll within the panel for all 7 ·
Operate 1
Status, limits, changes, and where to get help
Commercial 2
Pricing, plans, and the legal terms of use
Company 3
The organization behind the API
Other 2
Properties that don't map to a standard resource type
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