Narmi
Narmi is a digital banking platform for community banks and credit unions in the United States. The Narmi One platform unifies consumer and business digital banking, omnichannel account opening (Narmi Grow), instant payments over FedNow (Narmi Now), fraud prevention (Narmi Guard), lending (Narmi Lend), a digital back-office (Narmi Command), an API-driven open architecture (Narmi Open), and agentic AI capabilities (Narmi AI). Narmi integrates with major core banking systems including Corelation Keystone, Symitar, Jack Henry Silverlake, Fiserv DNA/Premier, FIS Horizon/IBS, and COCC. The Narmi Public API is a REST API (OAuth 2.0, 189 operations) exposing accounts, balances, transactions, cards, ACH, Fedwire, FedNow, SWIFT wires, deposits, alerts, and messaging. Narmi launched the first MCP server deployed by a U.S. bank (with Grasshopper Bank, August 2025).
Solid contracts, transparent operations, and an easy start — typically complete on four or five facets with one clear soft spot.
API Evangelist profiles Narmi the way a machine reads it — 54 machine-readable artifacts across 44 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 — Narmi scores 60.5/100 (strong), with a separate agent-readiness read of 80/100 (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 Narmi
Each block below is one kind of artifact we hold for Narmi. 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.
Narmi account balances API
The account balances API from Narmi — 2 operation(s) for account balances.
Narmi accounts API
The accounts API from Narmi — 10 operation(s) for accounts.
Narmi ach companies API
The ach companies API from Narmi — 1 operation(s) for ach companies.
Narmi ach destinations API
The ach destinations API from Narmi — 1 operation(s) for ach destinations.
Narmi ach import API
The ach import API from Narmi — 6 operation(s) for ach import.
Narmi ach payments API
The ach payments API from Narmi — 5 operation(s) for ach payments.
Narmi ach transfers API
The ach transfers API from Narmi — 1 operation(s) for ach transfers.
Narmi alerts API
The alerts API from Narmi — 6 operation(s) for alerts.
Narmi automatic savings enrollment API
The automatic savings enrollment API from Narmi — 1 operation(s) for automatic savings enrollment.
Narmi card linked offers API
The card linked offers API from Narmi — 2 operation(s) for card linked offers.
Narmi cards API
The cards API from Narmi — 10 operation(s) for cards.
Narmi data access management API
The data access management API from Narmi — 2 operation(s) for data access management.
Narmi deposits API
The deposits API from Narmi — 2 operation(s) for deposits.
Narmi documents API
The documents API from Narmi — 3 operation(s) for documents.
Narmi enrollments API
The enrollments API from Narmi — 5 operation(s) for enrollments.
Narmi express-checkout API
The express-checkout API from Narmi — 2 operation(s) for express-checkout.
Narmi fedwire destinations API
The fedwire destinations API from Narmi — 2 operation(s) for fedwire destinations.
Narmi fedwire templates API
The fedwire templates API from Narmi — 2 operation(s) for fedwire templates.
Narmi income source API
The income source API from Narmi — 2 operation(s) for income source.
Narmi instant transfers API
The instant transfers API from Narmi — 4 operation(s) for instant transfers.
Narmi institution API
The institution API from Narmi — 2 operation(s) for institution.
Narmi international wires API
The international wires API from Narmi — 4 operation(s) for international wires.
Narmi me API
The me API from Narmi — 1 operation(s) for me.
Narmi merchants API
The merchants API from Narmi — 1 operation(s) for merchants.
Narmi mfa API
The mfa API from Narmi — 3 operation(s) for mfa.
Narmi payees API
The payees API from Narmi — 2 operation(s) for payees.
Narmi payments API
The payments API from Narmi — 2 operation(s) for payments.
Narmi ping API
The ping API from Narmi — 1 operation(s) for ping.
Narmi recipients API
The recipients API from Narmi — 2 operation(s) for recipients.
Narmi reports API
The reports API from Narmi — 3 operation(s) for reports.
Narmi same-day transfers API
The same-day transfers API from Narmi — 1 operation(s) for same-day transfers.
Narmi scheduled transfers API
The scheduled transfers API from Narmi — 1 operation(s) for scheduled transfers.
Narmi subscriptions API
The subscriptions API from Narmi — 2 operation(s) for subscriptions.
Narmi support API
The support API from Narmi — 1 operation(s) for support.
Narmi surveys API
The surveys API from Narmi — 3 operation(s) for surveys.
Narmi swift wire templates API
The swift wire templates API from Narmi — 2 operation(s) for swift wire templates.
Narmi teams API
The teams API from Narmi — 1 operation(s) for teams.
Narmi threads API
The threads API from Narmi — 6 operation(s) for threads.
Narmi transactions API
The transactions API from Narmi — 3 operation(s) for transactions.
Narmi unverified ach transactions API
The unverified ach transactions API from Narmi — 4 operation(s) for unverified ach transactions.
Narmi users API
The users API from Narmi — 3 operation(s) for users.
Narmi whatismyip API
The whatismyip API from Narmi — 1 operation(s) for whatismyip.
Narmi wire recipients API
The wire recipients API from Narmi — 2 operation(s) for wire recipients.
Narmi wires API
The wires API from Narmi — 3 operation(s) for wires.
Scroll within the panel for all 44 ·
Arazzo Workflows 3
Real integrations are rarely a single call. Arazzo describes the multi-step sequences — auth, then create, then confirm — so both a human and an agent can follow the choreography, not just the endpoints.
Multi-step API workflows described with the Arazzo specification.
_Index
ARAZZOOriginate a Narmi ACH payment
Pick a funding account and create an ACH payment idempotently, then read it back.
ARAZZORead Narmi accounts, balances, and transactions
Authenticate, list accounts, read balances, and pull an account's transactions.
ARAZZOMCP 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.
narmi-mcp.yml
MCP SERVEREvent 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.
Narmi Webhooks
ASYNCAPISecurity 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.
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 Narmi — 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 10
Pagination, idempotency, versioning, errors, and events
Scroll within the panel for all 10 ·
Build 3
SDKs, sample code, and the tooling you integrate with
Access & Security 5
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 2
The organization behind the API
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