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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.

agent native

Solid contracts, transparent operations, and an easy start — typically complete on four or five facets with one clear soft spot.

Kin Score

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.

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 61.0/100 · strong
Contract Quality 18.5 / 25
Developer Ergonomics 16.5 / 20
Commercial Clarity 8.4 / 20
Operational Transparency 6.8 / 13
Governance 0.0 / 12
Discoverability 10.0 / 10
Regulatory · Payments 9.8 / 15
Agent readiness — 87/100 · agent native
Machine-Readable Contract 18 / 18
Agentic Access Contract 15 / 15
MCP Server 12 / 12
Machine-Readable Auth 10 / 10
Idempotency 9 / 9
Stable Error Semantics 8 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 7 / 7
Typed Event Surface 6 / 6
Agent Skills 5 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3

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 SERVER

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

0 limits

RATE LIMITS

Event 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.

Security 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.

Methodfi Authentication

http · 2 schemes

SECURITY

Methodfi Domain Security

TLSv1.2 · DMARC

SECURITY

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.

Methodfi Agentic Access

128 operations · 55 acting

128 operations · 55 acting

AGENTIC

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.

Documentation 2

Reference material describing how the API behaves

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

Access & Security 3

Authentication, authorization, and security posture

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