MethodFi
Method (Method Financial) is the infrastructure layer for consumer liability data and payments. Its API lets developers create entities, verify identity, and use Connect to discover a user's complete liability picture across 15,000+ institutions (credit cards, auto loans, student loans, mortgages, personal loans) without credential sharing, then normalize that data and move money via ACH to pay down those liabilities. Additional products include credit scores, card-brand enrichment, financial attributes, transactions, updates/subscriptions for monitoring, reports, and embeddable UI (Opal/Elements). Method powers lending, personal finance management, and commerce/card-linking use cases.
Solid contracts, transparent operations, and an easy start — typically complete on four or five facets with one clear soft spot.
API Evangelist profiles MethodFi the way a machine reads it — 48 machine-readable artifacts across 42 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 — MethodFi scores 61.0/100 (strong), with a separate agent-readiness read of 87/100 (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.
How we profile MethodFi
Each block below is one kind of artifact we hold for MethodFi. 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 42
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.
MethodFi Account Attributes API
Attribute data for accounts
MethodFi Account Balances API
Balance data for accounts
MethodFi Account Card Brands API
Card brand information for accounts
MethodFi Account Consent API
Consent management for accounts
MethodFi Account Payment Instruments API
Payment instruments for accounts
MethodFi Account Payoffs API
Payoff data for accounts
MethodFi Account Products API
Products associated with accounts
MethodFi Account Sensitive API
Sensitive data for accounts
MethodFi Account Subscriptions API
Subscriptions for accounts
MethodFi Account Transactions API
Transactions for accounts
MethodFi Account Updates API
Update records for accounts
MethodFi Account Verification Sessions API
Verification sessions for accounts
MethodFi Accounts API
Financial accounts (ACH, liability, clearing, debit card)
MethodFi Card Products API
Card product definitions
MethodFi Elements API
Client-side Element endpoints
MethodFi Entities API
Individuals, corporations, and receive-only entities
MethodFi Entity Attributes API
Attribute data for entities
MethodFi Entity Connects API
Account connection sessions for entities
MethodFi Entity Consent API
Consent management for entities
MethodFi Entity Credit Scores API
Credit score data for entities
MethodFi Entity Identities API
Identity verification data for entities
MethodFi Entity Products API
Products associated with entities
MethodFi Entity Subscriptions API
Subscriptions for entities
MethodFi Entity Vehicles API
Vehicle data for entities
MethodFi Entity Verification Sessions API
Verification sessions for entities
MethodFi Events API
Webhook event log
MethodFi Forwarding Requests API
Request forwarding with sensitive data injection
MethodFi Managed Accounts API
Method-managed accounts
MethodFi Merchants API
Merchant directory
MethodFi Opal API
Opal client-side session and token management
MethodFi Payment Reversals API
Reversals for payments
MethodFi Payments API
ACH and clearing payments
MethodFi Ping API
Health check endpoint
MethodFi Public Keys API
Public key discovery endpoints for Message-Level Encryption.
MethodFi Reports API
Downloadable reports
MethodFi Secrets API
Secure secret storage
MethodFi Simulate Accounts API
Sandbox account simulation
MethodFi Simulate Entities API
Sandbox entity simulation
MethodFi Simulate Events API
Sandbox event simulation
MethodFi Simulate Payments API
Sandbox payment simulation
MethodFi Teams API
Team and API key management
MethodFi Webhooks API
Webhook subscriptions
Scroll within the panel for all 42 ·
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.
methodfi-mcp.yml
MCP SERVERRate Limits 1
Rate limits are the difference between a demo that works and a production integration that doesn't fall over. Publishing them is an operational-transparency signal — and a hard requirement for any agent that plans its own throughput.
Documented rate limits and quota policies.
Methodfi Rate Limits
RATE LIMITSEvent 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.
Methodfi 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.
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 MethodFi — 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 8
Pagination, idempotency, versioning, errors, and events
Scroll within the panel for all 8 ·
Build 5
SDKs, sample code, and the tooling you integrate with
Access & Security 3
Authentication, authorization, and security posture
Operate 5
Status, limits, changes, and where to get help
Commercial 2
Pricing, plans, and the legal terms of use
Company 1
The organization behind the API
← All providers · Data indexed from github.com/api-evangelist/methodfi · machine-readable index on apis.io