Monument Bank
Monument Bank Limited is a UK challenger bank headquartered at 33 Cavendish Square, London, purpose-built for the "mass affluent" - professionals, entrepreneurs, and savers with substantial assets who have historically been underserved between mainstream retail banking and private banking. It received a full UK banking licence in November 2021, launched its first app-based savings products in early 2022, and in 2024 joined Tech Nation's Future Fifty cohort of leading pre-IPO companies. Monument is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority (FCA) and PRA under FRN 849724, with eligible deposits protected by the FSCS. It is privately held (investors include Dubai Investments, which took a ~9% stake) and operates the technology it spun out as Monument Technology. Its current product suite is app-only savings - easy access accounts, cash ISAs, limited access savers, notice accounts, and fixed-term deposits - plus a planned move into buy-to-let and property lending. As a smaller, savings-and-lending-focused ASPSP it is NOT one of the CMA9 mandated banks and does not publish a public developer portal; where it participates in UK Open Banking it does so against the Open Banking Implementation Entity (OBIE) Open Data and Read/Write API Standards under the PSD2 / FCA framework, secured with FAPI-grade OAuth2/OIDC, mutual-TLS, and PSD2 strong customer authentication.
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 Monument Bank the way a machine reads it — 8 machine-readable artifacts across 4 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 — Monument Bank scores 40.9/100 (thin), with a separate agent-readiness read of 58/100 (agent ready). 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 Monument Bank
Each block below is one kind of artifact we hold for Monument 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 4
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.
Monument Bank Open Data API
UK Open Banking Open Data API - the PUBLIC, unauthenticated reference-data surface defined by the OBIE Open Data Standard (product, ATM, branch, PCA, BCA, SME loan, and commerci...
Monument Bank Account and Transaction Information API
UK Open Banking Read/Write Account & Transaction Information (AIS) API per the OBIE Read/Write API Standard - accounts, balances, transactions, beneficiaries, standing orders, d...
Monument Bank Payment Initiation API
UK Open Banking Read/Write Payment Initiation (PIS) API per the OBIE Read/Write API Standard - domestic, scheduled, standing-order, international, and file payment initiation fo...
Monument Bank Confirmation of Funds API
UK Open Banking Read/Write Confirmation of Funds (CBPII) API per the OBIE Read/Write API Standard - confirms availability of funds on an account for authorised card-based paymen...
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.
Scopes 1
OAuth scopes are the vocabulary of least-privilege access. Profiling them shows exactly what an integration — or an agent acting on a user's behalf — is allowed to do.
OAuth scopes governing access to this provider's APIs.
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 Monument 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.
Agent Surfaces 2
MCP servers, agent skills, and machine-readable catalogs
Design & Contract 6
Pagination, idempotency, versioning, errors, and events
Access & Security 4
Authentication, authorization, and security posture
Operate 2
Status, limits, changes, and where to get help
Commercial 2
Pricing, plans, and the legal terms of use
Company 5
The organization behind the API
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