M&T Bank
M&T Bank is a US super-regional bank holding company (M&T Bank Corporation, NYSE: MTB) headquartered in Buffalo, New York, operating through its national bank subsidiary Manufacturers and Traders Trust Company. With roughly $200 billion in assets it is one of the twenty largest US commercial banks, serving consumers, businesses, and institutional clients across the eastern United States, and it owns Wilmington Trust, its custody, fund-administration, and wealth arm. Unlike UK/AU open banking there is no single mandated contract in the US, so M&T's public API posture is split: it runs a real first-party Developer Portal / "API Store" at developer.mtb.com for institutional and wholesale clients (Banking & Treasury plus Wilmington Trust Custody APIs), gated behind Microsoft Entra login and Azure API Management subscription keys with per-product OpenAPI reference available only after authentication. Consumer-permissioned account data is shared through aggregators (Plaid) rather than a public first-party consumer API. No public FDX conformance or CFPB Section 1033 data-access API is documented on the portal at review time.
More than an index entry, but the surface is still mostly links rather than artifacts — the cohort most likely to move a full band from modest, well-targeted work.
API Evangelist profiles M&T Bank the way a machine reads it — 11 machine-readable artifacts across 10 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 — M&T Bank scores 21.5/100 (emerging), with a separate agent-readiness read of 0/100 (human only). 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 M&T Bank
Each block below is one kind of artifact we hold for M&T 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 10
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.
Payment Initiation API
Institutional payment initiation product listed in M&T's Banking and Treasury API group on the developer portal. Per-product reference is available after Entra login and Azure A...
Payment Status API
Payment status lookup product in the Banking and Treasury API group. Reference gated behind portal authentication.
Cash Activity API
Cash activity reporting product in the Banking and Treasury API group for treasury-management clients. Reference gated behind portal authentication.
Cash Projection API
Cash projection / forecasting product in the Banking and Treasury API group. Reference gated behind portal authentication.
Pending Transactions API
Pending transactions reporting product in the Banking and Treasury API group. Reference gated behind portal authentication.
Event Notification API
Event notification setup and subscription product enabling callback/webhook delivery with request signing, listed in the Banking and Treasury API group. Reference gated behind p...
Custody End of Day API
Wilmington Trust custody end-of-day product for institutional clients, listed in the portal's Custody API group. Reference gated behind portal authentication.
Fund Accounting API
Fund valuation and accounting product (transfer-agency / fund-administration services) in the Custody API group. Reference gated behind portal authentication.
Account Valuations API
Account valuations product supporting custody and institutional portfolio reporting. Reference gated behind portal authentication.
Position Exposure API
Position exposure product for institutional custody/portfolio clients. Reference gated behind portal authentication.
Scroll within the panel for all 10 ·
Security Posture 1
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 M&T 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 2
Portal, sign-up, and the first successful call
Documentation 1
Reference material describing how the API behaves
Agent Surfaces 1
MCP servers, agent skills, and machine-readable catalogs
Access & Security 2
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/m-t-bank · machine-readable index on apis.io