Paragon Bank
Paragon Bank PLC is a UK specialist lender and retail savings bank, the principal banking subsidiary of Paragon Banking Group PLC (LSE: PAG), a FTSE 250 company founded in 1985 and headquartered in Solihull, West Midlands. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Firm Reference Number 604551, company number 05390593), Paragon offers fixed-rate and easy-access savings accounts and cash ISAs alongside buy-to-let and residential mortgages, second-charge mortgages, development finance, motor finance, and asset and commercial lending. As a savings-and-lending institution rather than a personal current account provider, Paragon is not one of the CMA9 and publishes no public developer portal or Open Banking API surface of its own - its accounts are reachable to third parties only through account-information aggregators. This profile represents the UK Open Banking Implementation Entity (OBIE) standard - the PSD2 Open Data reference APIs and the FAPI-secured Read/Write family (Account and Transaction Information, Payment Initiation, Confirmation of Funds) - captured verbatim as the shared industry standard and clearly labelled as unverified for this bank; no Paragon-hosted endpoint was confirmed at profiling time.
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 Paragon Bank the way a machine reads it — 9 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 — Paragon Bank scores 37.8/100 (thin), with a separate agent-readiness read of 74/100 (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 Paragon Bank
Each block below is one kind of artifact we hold for Paragon 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.
Paragon Bank Open Data API (OBIE standard, unverified)
The UK Open Banking Open Data API - a public, unauthenticated reference-data surface (ATMs, branches, personal and business current accounts, unsecured SME loans, commercial cre...
Paragon Bank Account and Transaction Information API (OBIE standard, unverified)
The OBIE Read/Write Account and Transaction Information (AIS) API standard - FAPI-secured (OAuth2/OIDC, mutual-TLS, PSD2 strong customer authentication) account, balance, transa...
Paragon Bank Payment Initiation API (OBIE standard, unverified)
The OBIE Read/Write Payment Initiation (PIS) API standard - FAPI-secured initiation of domestic, scheduled, standing-order, international, and file payments on behalf of a custo...
Paragon Bank Confirmation of Funds API (OBIE standard, unverified)
The OBIE Read/Write Confirmation of Funds (CBPII) API standard - FAPI-secured yes/no confirmation of available funds for a card-based payment instrument issuer. Captured here as...
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.
paragon-bank-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.
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 Paragon 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 4
MCP servers, agent skills, and machine-readable catalogs
Design & Contract 5
Pagination, idempotency, versioning, errors, and events
Build 1
SDKs, sample code, and the tooling you integrate with
Access & Security 3
Authentication, authorization, and security posture
Operate 1
Status, limits, changes, and where to get help
Commercial 2
Pricing, plans, and the legal terms of use
Company 4
The organization behind the API
Other 4
Properties that don't map to a standard resource type
← All providers · Data indexed from github.com/api-evangelist/paragon-bank · machine-readable index on apis.io