Method Financial
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.
Reference-quality API operations across every facet — a rich contract, published governance, transparent operations, and machine-readable commercial terms.
API Evangelist profiles Method Financial the way a machine reads it — 249 machine-readable artifacts across 2 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 — Method Financial scores 69.5/100 (exemplar), with a separate agent-readiness read of 43/100 (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. Every facet and dimension name is a link: it opens that measurement's page on APIs.io, where the rating runs across the whole catalog — the exact checks that feed it, how every profiled provider distributes on it, and who is at the top of it.
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How we profile Method Financial
Each block below is one kind of artifact we hold for Method Financial. 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 44
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
MethodFi Connect API
Liability discovery across Method's institution network.
MethodFi Transactions API
Transaction history for an account.
Scroll within the panel for all 44 ·
Postman Collections 42
A runnable collection turns the contract into something a developer can execute in seconds. We profile them because the fastest way to trust an API is to make a real call against it.
Ready-to-run Postman collections for exercising this provider's APIs.
Scroll within the panel for all 42 ·
Open Collections 46
Open, tool-agnostic collections carry the same runnable value as Postman without locking you to one client — the portable, forkable form of the same exercise.
Open, tool-agnostic API collections (OpenAPI-derived and Bruno).
API Collection
OPEN COLLECTIONMethod Financial API
OPEN COLLECTIONMethod Account Attributes API
OPEN COLLECTIONMethod Account Attributes Account Balances API
OPEN COLLECTIONMethod Account Attributes Account Card Brands API
OPEN COLLECTIONMethod Account Attributes Account Consent API
OPEN COLLECTIONMethod Account Attributes Account Payment Instruments API
OPEN COLLECTIONMethod Account Attributes Account Payoffs API
OPEN COLLECTIONMethod Account Attributes Account Products API
OPEN COLLECTIONMethod Account Attributes Account Sensitive API
OPEN COLLECTIONMethod Account Attributes Account Subscriptions API
OPEN COLLECTIONMethod Account Attributes Account Transactions API
OPEN COLLECTIONMethod Account Attributes Account Updates API
OPEN COLLECTIONMethod Account Attributes Account Verification Sessions API
OPEN COLLECTIONMethod Account Attributes Accounts API
OPEN COLLECTIONMethod Account Attributes Card Products API
OPEN COLLECTIONMethod Financial Accounts Connect API
OPEN COLLECTIONMethod Account Attributes Elements API
OPEN COLLECTIONMethod Account Attributes Entities API
OPEN COLLECTIONMethod Account Attributes Entity Attributes API
OPEN COLLECTIONMethod Account Attributes Entity Connects API
OPEN COLLECTIONMethod Account Attributes Entity Consent API
OPEN COLLECTIONMethod Account Attributes Entity Credit Scores API
OPEN COLLECTIONMethod Account Attributes Entity Identities API
OPEN COLLECTIONMethod Account Attributes Entity Products API
OPEN COLLECTIONMethod Account Attributes Entity Subscriptions API
OPEN COLLECTIONMethod Account Attributes Entity Vehicles API
OPEN COLLECTIONMethod Account Attributes Entity Verification Sessions API
OPEN COLLECTIONMethod Account Attributes Events API
OPEN COLLECTIONMethod Account Attributes Forwarding Requests API
OPEN COLLECTIONMethod Account Attributes Managed Accounts API
OPEN COLLECTIONMethod Account Attributes Merchants API
OPEN COLLECTIONMethod Account Attributes Opal API
OPEN COLLECTIONMethod Account Attributes Payment Reversals API
OPEN COLLECTIONMethod Account Attributes Payments API
OPEN COLLECTIONMethod Account Attributes Ping API
OPEN COLLECTIONMethod Account Attributes Public Keys API
OPEN COLLECTIONMethod Account Attributes Reports API
OPEN COLLECTIONMethod Account Attributes Secrets API
OPEN COLLECTIONMethod Account Attributes Simulate Accounts API
OPEN COLLECTIONMethod Account Attributes Simulate Entities API
OPEN COLLECTIONMethod Account Attributes Simulate Events API
OPEN COLLECTIONMethod Account Attributes Simulate Payments API
OPEN COLLECTIONMethod Account Attributes Teams API
OPEN COLLECTIONMethod Financial Accounts Transactions API
OPEN COLLECTIONMethod Account Attributes Webhooks API
OPEN COLLECTIONScroll within the panel for all 46 ·
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.
Method API Docs
Method serves a remote MCP server on its own docs host (https://docs.methodfi.com/mcp, Mintlify-hosted). A probed tools/list (2026-10-12, HTTP 200, no auth) returned three DOCUM...
MCP SERVERPricing Plans 1
Pricing is part of the interface. Machine-readable plans tell you what a tier costs and includes before you commit — one of the things the Kin Score reads for access clarity — renamed from commercial clarity in rubric 0.12, because a free statutory interface has access terms and no commercial ones.
Published pricing tiers and plan structures.
Rate 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 LIMITSFinOps 1
Cost, billing, and metering signals let a buyer model the financial operations of an API before it's live. We profile them for the same reason we profile pricing: the money is part of the contract.
Cost, billing, and metering signals for API financial operations.
Methodfi Finops
FINOPSEvent 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
ASYNCAPISemantic Vocabularies 1
JSON-LD contexts give the data shared meaning across APIs. We profile them because semantics are what let a machine reconcile 'customer' here with 'customer' somewhere else.
JSON-LD contexts and semantic vocabularies used across these APIs.
Methodfi Context
JSON-LDSpectral Rules 1
Governance rulesets we run against this provider's specs — the automated checks behind parts of the score. Profiling them makes the quality bar explicit and re-runnable, not a matter of opinion.
Method Financial API Rules
SPECTRALJSON Schema 106
Standalone JSON Schema definitions describe the data models behind the API. We profile them so the shapes are validatable on their own — useful long after a single request is forgotten.
Standalone JSON Schema definitions for this provider's data models.
AccountAttributeListResponse
JSON SCHEMAAccountAttributeResponse
JSON SCHEMAAccountBalanceListResponse
JSON SCHEMAAccountBalanceResponse
JSON SCHEMAAccountCardBrandListResponse
JSON SCHEMAAccountCardBrandResponse
JSON SCHEMAAccountConsentUpdateRequest
JSON SCHEMAAccountCreateRequest
JSON SCHEMAAccountListResponse
JSON SCHEMAAccountPaymentInstrumentCreateRequest
JSON SCHEMAAccountPaymentInstrumentListResponse
JSON SCHEMAAccountPaymentInstrumentResponse
JSON SCHEMAAccountPayoffListResponse
JSON SCHEMAAccountPayoffResponse
JSON SCHEMAAccountProductListResponse
JSON SCHEMAAccountProductResponse
JSON SCHEMAAccountResponse_2
JSON SCHEMAAccountResponse
JSON SCHEMAAccountSensitiveCreateRequest
JSON SCHEMAAccountSensitiveListResponse
JSON SCHEMAAccountSensitiveResponse
JSON SCHEMAAccountSubscriptionCreateRequest
JSON SCHEMAAccountSubscriptionListResponse
JSON SCHEMAAccountSubscriptionResponse
JSON SCHEMAAccountTransactionListResponse
JSON SCHEMAAccountTransactionResponse
JSON SCHEMAAccountUpdateListResponse
JSON SCHEMAAccountUpdateRequest
JSON SCHEMAAccountUpdateResponse
JSON SCHEMAAccountVerificationSessionAmountsResponse
JSON SCHEMAAccountVerificationSessionCreateRequest
JSON SCHEMAAccountVerificationSessionListResponse
JSON SCHEMAAccountVerificationSessionResponse
JSON SCHEMAAccountVerificationSessionUpdateRequest
JSON SCHEMABalanceResponse
JSON SCHEMACardProductResponse
JSON SCHEMAConnectResponse
JSON SCHEMACreateEntityRequest
JSON SCHEMACreateEntitySubscriptionRequest
JSON SCHEMACreateEntityVerificationSessionRequest
JSON SCHEMAEntityAttributeListResponse
JSON SCHEMAEntityAttributeResponse
JSON SCHEMAEntityConnectListResponse
JSON SCHEMAEntityConnectResponse
JSON SCHEMAEntityCreateRequest
JSON SCHEMAEntityCreditScoreListResponse
JSON SCHEMAEntityCreditScoreResponse
JSON SCHEMAEntityIdentityListResponse
JSON SCHEMAEntityIdentityResponse
JSON SCHEMAEntityProductListResponse
JSON SCHEMAEntityProductResponse
JSON SCHEMAEntityResponse_2
JSON SCHEMAEntityResponse
JSON SCHEMAEntitySubscriptionListResponse
JSON SCHEMAEntitySubscriptionResponse
JSON SCHEMAEntityVehicleListResponse
JSON SCHEMAEntityVehicleResponse
JSON SCHEMAEntityVerificationSessionListResponse
JSON SCHEMAEntityVerificationSessionRequest
JSON SCHEMAEntityVerificationSessionResponse
JSON SCHEMAEventListResponse
JSON SCHEMAEventResponse
JSON SCHEMAForwardingRequestCreateRequest
JSON SCHEMAForwardingRequestResponse
JSON SCHEMAManagedAccountListResponse
JSON SCHEMAManagedAccountResponse
JSON SCHEMAManagedAccountTransactionListResponse
JSON SCHEMAMerchantListResponse
JSON SCHEMAMerchantResponse_2
JSON SCHEMAMerchantResponse
JSON SCHEMAMethodPublicKeyResponse
JSON SCHEMAMLEPublicKeyCreateRequest
JSON SCHEMAMLEPublicKeyListResponse
JSON SCHEMAMLEPublicKeyResponse
JSON SCHEMAObjectResponse
JSON SCHEMAOpalNullResponse
JSON SCHEMAOpalSessionResponse
JSON SCHEMAOpalTokenCreateRequest
JSON SCHEMAOpalTokenResponse
JSON SCHEMAPaymentCreateRequest
JSON SCHEMAPaymentListResponse
JSON SCHEMAPaymentResponse_2
JSON SCHEMAPaymentResponse
JSON SCHEMAPaymentReversalListResponse
JSON SCHEMAPaymentReversalResponse
JSON SCHEMAPaymentReversalUpdateRequest
JSON SCHEMAReportCreateRequest
JSON SCHEMAReportResponse
JSON SCHEMASearchEntityVehiclesRequest
JSON SCHEMASecretCreateRequest
JSON SCHEMASecretListResponse
JSON SCHEMASecretResponse
JSON SCHEMATeamCreateRequest
JSON SCHEMATeamEncryptionKeyRequest
JSON SCHEMATeamResponse
JSON SCHEMATransactionListResponse
JSON SCHEMAUpdateEntityConsentRequest
JSON SCHEMAUpdateEntityRequest
JSON SCHEMAUpdateEntityVerificationSessionRequest
JSON SCHEMAWebhookCreateRequest
JSON SCHEMAWebhookDeleteResponse
JSON SCHEMAWebhookListResponse
JSON SCHEMAWebhookResponse_2
JSON SCHEMAWebhookResponse
JSON SCHEMAWebhookUpdateRequest
JSON SCHEMAWellKnownJwksResponse
JSON SCHEMAScroll within the panel for all 106 ·
Security 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.
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 Method Financial — 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 5
MCP servers, agent skills, and machine-readable catalogs
Design & Contract 11
Pagination, idempotency, versioning, errors, and events
Scroll within the panel for all 11 ·
Build 7
SDKs, sample code, and the tooling you integrate with
Scroll within the panel for all 7 ·
Access & Security 4
Authentication, authorization, and security posture
Operate 5
Status, limits, changes, and where to get help
Commercial 4
Pricing, plans, and the legal terms of use
Company 4
The organization behind the API
Other 6
Properties that don't map to a standard resource type
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This is an independent, third-party profile of Method Financial, published by API Evangelist. We do not operate, host, resell, or support these APIs, and we are not affiliated with or endorsed by the company unless stated above. Everything here is built from publicly available information — the company's own site, developer portal, documentation, public repositories, and the specifications it publishes for public use. Nothing is obtained by breaching a system, defeating an access control, or using credentials.
The Kin Score and Agent Readiness rating are independently calculated assessments of a company's public API artifacts, scored against a published rubric. They are not certifications, endorsements, security assessments, or audits.
Corrections, re-scores, and removal are free — no partnership or purchase required, and you do not need to justify the request. A removed company is recorded as unrated, never scored zero for having asked. Acknowledgement within one business day; removal within two.
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