Finicity
Finicity, LLC is a Utah-based financial-data aggregator and open-finance technology provider acquired by Mastercard in 2020 and now operating as Mastercard Open Banking (US) within Mastercard Open Finance. It is not a chartered bank but a consumer-permissioned data-access and decisioning platform (and an FCRA-regulated consumer reporting agency for its verification products), providing account and transaction aggregation, Verification of Assets, Income and Employment, transaction and cash-flow analysis, statements, and account validation for ACH payments. Finicity runs a first-party developer portal (developer.mastercard.com/open-banking-us, formerly developer.finicity.com and docs.finicity.com, both of which now redirect) over the live api.finicity.com host, is a founding participant in the Financial Data Exchange (FDX) with FDX-aligned data-sharing APIs, and positions its platform as an enabler of CFPB Section 1033 personal financial data rights. Public product documentation is openly reachable, but the full API reference and any machine-readable OpenAPI specification are partner-gated behind Mastercard Developers credentials.
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 Finicity the way a machine reads it — 11 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 — Finicity scores 47.5/100 (developing), with a separate agent-readiness read of 61/100 (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 Finicity
Each block below is one kind of artifact we hold for Finicity. 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.
Finicity Aggregation (Accounts & Transactions) API
Consumer-permissioned account and transaction aggregation across banks, credit unions, cards, loans and investment accounts, delivering account details, balances and categorized...
Finicity Connect
Hosted, embeddable account-linking experience that lets a consumer authenticate to their financial institution and permission data sharing, returning the linked accounts to the ...
Finicity Verification of Assets (VoA) API
Generates a consumer-permissioned Verification of Assets report from aggregated account and balance data for mortgage, lending and underwriting workflows, an FCRA-regulated cons...
Finicity Verification of Income & Employment (VoIE) API
Derives income streams and employment signals from permissioned transaction and payroll data to produce Verification of Income and Verification of Employment reports for lending...
Finicity Transaction Analysis (Cash Flow) API
Analyzes permissioned transaction history to produce cash-flow, income and expense insights used for prequalification, credit decisioning and financial-health scoring.
Finicity Payments (Account Validation) API
Validates account ownership and status for ACH and account-funding flows, returning account, routing and owner verification signals to reduce returned payments and fraud.
Finicity Open Banking Data Access (FDX)
FDX-aligned, consumer-permissioned open-banking data-access surface through which Finicity, as a founding Financial Data Exchange participant, shares financial data on behalf of...
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.
finicity-mcp.yml
MCP SERVEREvent Specifications 1
Not every API is request/response. AsyncAPI describes the event-driven and streaming side — the webhooks and channels — so the asynchronous half of the interface is documented the same way the synchronous half is.
AsyncAPI definitions for this provider's event-driven and streaming APIs.
Finicity Webhooks
ASYNCAPISecurity 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.
Resources
Every other property we hold for Finicity — 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 4
Portal, sign-up, and the first successful call
Documentation 2
Reference material describing how the API behaves
Agent Surfaces 4
MCP servers, agent skills, and machine-readable catalogs
Design & Contract 6
Pagination, idempotency, versioning, errors, and events
Build 4
SDKs, sample code, and the tooling you integrate with
Access & Security 2
Authentication, authorization, and security posture
Operate 4
Status, limits, changes, and where to get help
Company 2
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/finicity · machine-readable index on apis.io