Avenue Bank
Avenue Bank Ltd (ABN 24 628 073 085, AFSL 520239) is an Australian Authorised Deposit-taking Institution (ADI) regulated by APRA, holding a full (unrestricted) banking licence granted in 2024 after operating as a Restricted ADI from 2021. Founded by Dale Hurley and Colin Porter (co-founders of CreditorWatch) and majority-backed by Sherman Ma's Liberty Financial Group as its largest strategic shareholder, Avenue is a digital business bank that is the first and only Australian bank specialising exclusively in bank guarantees for SMEs, alongside term deposits. As an ADI, Avenue is a designated data holder class under Australia's Consumer Data Right (CDR / Open Banking) and is therefore subject to the shared Data Standards Body (DSB) Consumer Data Standards Banking API surface (Get Products through Get Payees) that every ADI data holder implements verbatim under the /cds-au/v1 path. Avenue holds a permanent ACCC exemption (granted 6 June 2025, s56GD) covering the term-deposit aspect of its bank guarantee product, publishes no first-party developer portal, and a probe of its API host on 2026-07-21 returned HTTP 403 (WAF) rather than a CDS-conformant payload, so its live CDR data-holder surface is documented here against the standard but recorded as unverified.
Limited machine-readable signal and partial portal coverage — documentation a human can read, but little a machine or agent can consume without scraping.
API Evangelist profiles Avenue Bank the way a machine reads it — 12 machine-readable artifacts across 7 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 — Avenue Bank scores 42.6/100 (thin), with a separate agent-readiness read of 65/100 (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 Avenue Bank
Each block below is one kind of artifact we hold for Avenue 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 7
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.
Avenue Bank Banking Account Balances API
Banking Account Balance endpoints
Avenue Bank Banking Account Direct Debits API
Banking Account Direct Debit endpoints
Avenue Bank Banking Account Scheduled Payments API
Banking Account Scheduled Payment endpoints
Avenue Bank Banking Account Transactions API
Banking Account Transaction endpoints
Avenue Bank Banking Accounts API
Banking Account endpoints
Avenue Bank Banking Payees API
Banking Payee endpoints
Avenue Bank Banking Products API
Banking Product endpoints
Scroll within the panel for all 7 ·
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.
avenue-bank-mcp.yml
MCP SERVERSecurity Posture 2
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 Avenue 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 1
Portal, sign-up, and the first successful call
Agent Surfaces 4
MCP servers, agent skills, and machine-readable catalogs
Design & Contract 5
Pagination, idempotency, versioning, errors, and events
Access & Security 3
Authentication, authorization, and security posture
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 1
Properties that don't map to a standard resource type
← All providers · Data indexed from github.com/api-evangelist/avenue-bank · machine-readable index on apis.io