ModernFi
ModernFi operates institution-owned deposit networks for U.S. banks and credit unions, giving them infrastructure to grow deposits, extend reciprocal deposit insurance beyond standard FDIC/NCUA limits, optimize funding, and deepen depositor relationships. Its Digital Banking API (v1) lets member institutions programmatically manage deposit accounts, depositors, transaction records and sweeps, monthly statements and files, custom rate benchmarks, and pricing groups — authenticated with OAuth 2.0 client credentials and pulled into treasury, ALCO, risk, and reporting systems. ModernFi is backed by a16z.
Limited machine-readable signal and partial portal coverage — documentation a human can read, but little a machine or agent can consume without scraping.
API Evangelist profiles ModernFi 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 — ModernFi scores 44.5/100 (thin), with a separate agent-readiness read of 78/100 (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 ModernFi
Each block below is one kind of artifact we hold for ModernFi. 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.
ModernFi Accounts API
The Accounts API from ModernFi — 5 operation(s) for accounts.
ModernFi auth API
The auth API from ModernFi — 1 operation(s) for auth.
ModernFi customBenchmarks API
The customBenchmarks API from ModernFi — 2 operation(s) for custombenchmarks.
ModernFi Depositors API
The Depositors API from ModernFi — 3 operation(s) for depositors.
ModernFi files API
The files API from ModernFi — 4 operation(s) for files.
ModernFi pricingGroups API
The pricingGroups API from ModernFi — 4 operation(s) for pricinggroups.
ModernFi Transactions API
The Transactions API from ModernFi — 2 operation(s) for transactions.
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.
modernfi-mcp.yml
MCP SERVERSecurity 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 ModernFi — 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 3
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 6
Pagination, idempotency, versioning, errors, and events
Build 1
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
Commercial 1
Pricing, plans, and the legal terms of use
Other 1
Properties that don't map to a standard resource type
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