UK Banking
Grouped by Kin Score band and ranked by composite score within each, with the separate agent-readiness score alongside. Click the scores on any row to open the full facet and dimension breakdown behind both numbers, and click again to close it.
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60 providers
Strong 2 54.3 – 66.4 Solid contracts, transparent operations, and an easy start.
1
Barclays Strong agent native CMA9 (Mandated Open Banking)
Barclays is a British multinational bank providing retail and commercial banking, investment banking, wealth management and credit cards. Its developer surfa...
Composite
62.7
Agent
46.5
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 62.7/100 · strong
Contract Quality
15.1 / 25
Developer Ergonomics
13.2 / 20
Access Clarity
10.0 / 20
Operational Transparency
4.8 / 13
Contract Governance
3.5 / 12
Discoverability
7.2 / 10
Regulatory · Banking & Open Finance
13.5 / 15
Agent readiness — 47/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract
0 / 10
Documented Reversibility documented
2.4 / 6
MCP Server
0 / 12
Machine-Readable Auth negotiable
7.5 / 10
Idempotency
9.0 / 9
Stable Error Semantics
8.0 / 8
Request/Response Examples
7.0 / 7
Rate-Limit Signaling
7.0 / 7
Typed Event Surface derived
1.5 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity documented
3.0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
2
Algbra Strong agent native Challenger & Neobank
Algbra is a UK values-based, sustainability-focused fintech operated by Algbra FS UK Limited (company number 12629086), an electronic money institution autho...
Composite
56.1
Agent
38.7
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 56.1/100 · strong
Contract Quality
14.8 / 25
Developer Ergonomics
13.2 / 20
Access Clarity
8.9 / 20
Operational Transparency
2.4 / 13
Contract Governance
0.5 / 12
Discoverability
7.6 / 10
Regulatory · Banking & Open Finance
13.3 / 15
Agent readiness — 39/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth negotiable
7.5 / 10
Idempotency documented
4.5 / 9
Stable Error Semantics documented
4.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
7.0 / 7
Typed Event Surface
6 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity documented
3.0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
Developing 33 39.3 – 54.2 Real signal across most facets with visible, nameable gaps.
3
Griffin Developing agent ready BaaS & Clearing
Griffin is a UK-regulated bank (Financial Conduct Authority authorised, Prudential Regulation Authority regulated) offering Banking-as-a-Service via a REST A...
Composite
54.0
Agent
33.8
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 54.0/100 · developing
Contract Quality
15.9 / 25
Developer Ergonomics
14.2 / 20
Access Clarity
7.6 / 20
Operational Transparency
6.5 / 13
Contract Governance
2.2 / 12
Discoverability
7.6 / 10
Regulatory · Banking & Open Finance
4.7 / 15
Agent readiness — 34/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
0 / 6
MCP Server documented
4.8 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
0 / 9
Stable Error Semantics documented
4.0 / 8
Request/Response Examples
7.0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
6 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
4
first direct Developing agent ready High-Street & Retail
first direct is a telephone- and internet-based retail bank and a division of HSBC UK Bank plc, headquartered in Leeds, England and launched in 1989. It offe...
Composite
53.8
Agent
37.6
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 53.8/100 · developing
Contract Quality
12.7 / 25
Developer Ergonomics
13.7 / 20
Access Clarity
6.8 / 20
Operational Transparency
4.8 / 13
Contract Governance
0.5 / 12
Discoverability
8.2 / 10
Regulatory · Banking & Open Finance
11.8 / 15
Agent readiness — 38/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth negotiable
7.5 / 10
Idempotency
9.0 / 9
Stable Error Semantics documented
4.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
7.0 / 7
Typed Event Surface
0 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity documented
3.0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
5
Revolut Developing agent native Challenger & Neobank
Revolut is a global financial technology company providing banking, payments, cards, foreign exchange, savings, and crypto services to retail and business cu...
Composite
49.9
Agent
49.2
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 49.9/100 · developing
Contract Quality
17.6 / 25
Developer Ergonomics
13.6 / 20
Access Clarity
1.6 / 20
Operational Transparency
5.8 / 13
Contract Governance
0.5 / 12
Discoverability
6.3 / 10
Regulatory · Payments
9.4 / 15
Agent readiness — 49/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility documented
2.4 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
9.0 / 9
Stable Error Semantics
8.0 / 8
Request/Response Examples
7.0 / 7
Rate-Limit Signaling
7.0 / 7
Typed Event Surface
6 / 6
Agent Skills
5 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
6
Weatherbys Bank Developing agent aware Private Bank
Weatherbys Bank is a small, family-owned UK private bank, part of the Weatherbys Banking Group, trading since James Weatherby founded the family business in ...
Composite
49.1
Agent
26.3
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 49.1/100 · developing
Contract Quality
8.4 / 25
Developer Ergonomics
7.1 / 20
Access Clarity
15.7 / 20
Operational Transparency
2.1 / 13
Contract Governance
2.2 / 12
Discoverability
8.2 / 10
Regulatory · Banking & Open Finance
10.1 / 15
Agent readiness — 26/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
6 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
9 / 9
Stable Error Semantics documented
4.0 / 8
Request/Response Examples partial
3.5 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
4 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
7
Starling Bank Developing agent aware Challenger & Neobank
Starling Bank is a UK app-only digital challenger bank founded in 2014 by Anne Boden and headquartered in London, holding a full UK banking licence and autho...
Composite
47.8
Agent
25.8
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 47.8/100 · developing
Contract Quality
8.2 / 25
Developer Ergonomics
5.7 / 20
Access Clarity
15.7 / 20
Operational Transparency
3.8 / 13
Contract Governance
2.2 / 12
Discoverability
7.6 / 10
Regulatory · Banking & Open Finance
9.3 / 15
Agent readiness — 26/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract
0 / 10
Documented Reversibility
6 / 6
MCP Server
0 / 12
Machine-Readable Auth served
9.0 / 10
Idempotency
9 / 9
Stable Error Semantics documented
4.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
4 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
8
Virgin Money UK Developing agent native High-Street & Retail
Virgin Money UK is a full-service UK retail and business bank, operating the Virgin Money, Clydesdale Bank, Yorkshire Bank, and B brands across personal curr...
Composite
47.8
Agent
39.0
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 47.8/100 · developing
Contract Quality
8.2 / 25
Developer Ergonomics
8.9 / 20
Access Clarity
11.4 / 20
Operational Transparency
2.4 / 13
Contract Governance
2.2 / 12
Discoverability
7.6 / 10
Regulatory · Banking & Open Finance
11.8 / 15
Agent readiness — 39/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
6 / 6
MCP Server
0 / 12
Machine-Readable Auth served
9.0 / 10
Idempotency
9 / 9
Stable Error Semantics documented
4.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
4 / 4
Delegated User Identity
6.0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
6 / 6
Agentic Commerce Well-Known Document
0 / 5
9
Triodos Bank UK Developing agent ready Specialist & Mid-Tier Lender
Triodos Bank UK Limited is a values-based, sustainability-focused bank headquartered in Bristol, England, and the UK arm of Triodos Bank N.V. (founded 1980, ...
Composite
47.2
Agent
28.9
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 47.2/100 · developing
Contract Quality
12.2 / 25
Developer Ergonomics
9.9 / 20
Access Clarity
5.0 / 20
Operational Transparency
2.4 / 13
Contract Governance
0.5 / 12
Discoverability
7.6 / 10
Regulatory · Banking & Open Finance
14.2 / 15
Agent readiness — 29/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility documented
2.4 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency documented
4.5 / 9
Stable Error Semantics
8.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
10
Danske Bank (UK) Developing agent native CMA9 (Mandated Open Banking)
Danske Bank (UK) is the trading name of Northern Bank Limited, a retail and commercial bank headquartered in Belfast and the largest bank in Northern Ireland...
Composite
47.1
Agent
39.0
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 47.1/100 · developing
Contract Quality
14.6 / 25
Developer Ergonomics
9.9 / 20
Access Clarity
5.8 / 20
Operational Transparency
1.0 / 13
Contract Governance
0.5 / 12
Discoverability
7.6 / 10
Regulatory · Banking & Open Finance
12.3 / 15
Agent readiness — 39/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
9.0 / 9
Stable Error Semantics
8.0 / 8
Request/Response Examples partial
3.5 / 7
Rate-Limit Signaling
7.0 / 7
Typed Event Surface derived
1.5 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
11
Yorkshire Building Society Developing agent native Building Society
Yorkshire Building Society (YBS) is a UK mutual building society founded in 1864 and headquartered in Bradford, West Yorkshire. As a member-owned mutual rath...
Composite
47.1
Agent
46.2
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 47.1/100 · developing
Contract Quality
15.2 / 25
Developer Ergonomics
12.7 / 20
Access Clarity
4.2 / 20
Operational Transparency
1.0 / 13
Contract Governance
2.2 / 12
Discoverability
5.7 / 10
Regulatory · Banking & Open Finance
10.6 / 15
Agent readiness — 46/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth served
9.0 / 10
Idempotency
9.0 / 9
Stable Error Semantics documented
4.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
7.0 / 7
Typed Event Surface derived
1.5 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
6.0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
6 / 6
Agentic Commerce Well-Known Document
0 / 5
12
Allica Bank Developing agent native SME & Business
Allica Bank Limited is a UK financial-technology bank built specifically for established small and medium-sized businesses, offering business current account...
Composite
46.7
Agent
50.2
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 46.7/100 · developing
Contract Quality
12.7 / 25
Developer Ergonomics
13.2 / 20
Access Clarity
4.2 / 20
Operational Transparency
1.4 / 13
Contract Governance
0.5 / 12
Discoverability
7.6 / 10
Regulatory · Banking & Open Finance
11.8 / 15
Agent readiness — 50/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth served
9.0 / 10
Idempotency
9.0 / 9
Stable Error Semantics documented
4.0 / 8
Request/Response Examples
7.0 / 7
Rate-Limit Signaling
7.0 / 7
Typed Event Surface
0 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
6.0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
6 / 6
Agentic Commerce Well-Known Document
0 / 5
13
C. Hoare & Co. Developing agent ready Private Bank
C. Hoare & Co. (Hoares Bank) is the United Kingdom's oldest privately-owned bank, founded in 1672 by Sir Richard Hoare and owned continuously by the Hoare fa...
Composite
46.2
Agent
37.6
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 46.2/100 · developing
Contract Quality
13.2 / 25
Developer Ergonomics
8.9 / 20
Access Clarity
8.4 / 20
Operational Transparency
0.0 / 13
Contract Governance
0.5 / 12
Discoverability
8.2 / 10
Regulatory · Banking & Open Finance
11.6 / 15
Agent readiness — 38/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth negotiable
7.5 / 10
Idempotency
9.0 / 9
Stable Error Semantics documented
4.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
7.0 / 7
Typed Event Surface
0 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity documented
3.0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
14
ClearBank Developing agent ready BaaS & Clearing
ClearBank is a UK clearing and Banking-as-a-Service bank, founded in 2015 by Nick Ogden (founder of WorldPay) and Charles McManus and granted a banking licen...
Composite
45.1
Agent
35.7
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 45.1/100 · developing
Contract Quality
12.1 / 25
Developer Ergonomics
12.3 / 20
Access Clarity
4.2 / 20
Operational Transparency
5.8 / 13
Contract Governance
0.5 / 12
Discoverability
8.2 / 10
Regulatory · Banking & Open Finance
6.6 / 15
Agent readiness — 36/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility documented
2.4 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency documented
4.5 / 9
Stable Error Semantics
8.0 / 8
Request/Response Examples partial
3.5 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
6 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
15
The Co-operative Bank Developing agent aware High-Street & Retail
The Co-operative Bank plc is a UK high-street retail and commercial bank, headquartered in Manchester and long known for its customer-led ethical banking pol...
Composite
44.8
Agent
23.3
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 44.8/100 · developing
Contract Quality
8.2 / 25
Developer Ergonomics
12.4 / 20
Access Clarity
4.7 / 20
Operational Transparency
3.4 / 13
Contract Governance
2.2 / 12
Discoverability
7.6 / 10
Regulatory · Banking & Open Finance
11.0 / 15
Agent readiness — 23/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
6 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
9 / 9
Stable Error Semantics documented
4.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
4 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
16
Investec Developing agent ready Specialist & Mid-Tier Lender
Investec is an international specialist bank and wealth manager, dual-listed on the London Stock Exchange and Johannesburg Stock Exchange and operating throu...
Composite
43.4
Agent
37.6
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 43.4/100 · developing
Contract Quality
13.6 / 25
Developer Ergonomics
13.7 / 20
Access Clarity
2.6 / 20
Operational Transparency
0.3 / 13
Contract Governance
0.5 / 12
Discoverability
8.2 / 10
Regulatory · Banking & Open Finance
9.1 / 15
Agent readiness — 38/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth negotiable
7.5 / 10
Idempotency
9.0 / 9
Stable Error Semantics documented
4.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
7.0 / 7
Typed Event Surface
0 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity documented
3.0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
17
Hampden & Co Developing agent ready Private Bank
Hampden & Co (trading as Hampden Bank since March 2024) is an independent UK private bank headquartered at 20/21 Charlotte Square, Edinburgh, with offices in...
Composite
43.2
Agent
37.6
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 43.2/100 · developing
Contract Quality
13.6 / 25
Developer Ergonomics
5.6 / 20
Access Clarity
8.4 / 20
Operational Transparency
0.0 / 13
Contract Governance
0.5 / 12
Discoverability
8.2 / 10
Regulatory · Banking & Open Finance
11.6 / 15
Agent readiness — 38/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth negotiable
7.5 / 10
Idempotency
9.0 / 9
Stable Error Semantics documented
4.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
7.0 / 7
Typed Event Surface
0 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity documented
3.0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
18
Vanquis Banking Group Developing agent ready Specialist & Mid-Tier Lender
Vanquis Banking Group plc (formerly Provident Financial plc, rebranded 2023) is a UK specialist non-prime lender and savings bank headquartered in Bradford, ...
Composite
42.8
Agent
37.6
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 42.8/100 · developing
Contract Quality
12.3 / 25
Developer Ergonomics
8.9 / 20
Access Clarity
6.8 / 20
Operational Transparency
1.0 / 13
Contract Governance
0.5 / 12
Discoverability
7.2 / 10
Regulatory · Banking & Open Finance
10.6 / 15
Agent readiness — 38/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth negotiable
7.5 / 10
Idempotency
9.0 / 9
Stable Error Semantics documented
4.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
7.0 / 7
Typed Event Surface
0 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity documented
3.0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
19
Coventry Building Society Developing agent ready Building Society
Coventry Building Society is the United Kingdom's second-largest building society, a member-owned mutual founded in 1884 and headquartered in Coventry, Engla...
Composite
42.5
Agent
37.6
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 42.5/100 · developing
Contract Quality
12.7 / 25
Developer Ergonomics
8.9 / 20
Access Clarity
5.8 / 20
Operational Transparency
0.0 / 13
Contract Governance
0.5 / 12
Discoverability
7.6 / 10
Regulatory · Banking & Open Finance
11.6 / 15
Agent readiness — 38/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth negotiable
7.5 / 10
Idempotency
9.0 / 9
Stable Error Semantics documented
4.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
7.0 / 7
Typed Event Surface
0 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity documented
3.0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
20
Monzo Developing agent aware Challenger & Neobank
Monzo is a UK-based digital challenger bank (Monzo Bank Ltd, FCA-authorised) offering current accounts, savings pots, joint accounts, business banking and le...
Composite
42.3
Agent
26.8
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 42.3/100 · developing
Contract Quality
10.4 / 25
Developer Ergonomics
13.2 / 20
Access Clarity
4.2 / 20
Operational Transparency
5.1 / 13
Contract Governance
0.5 / 12
Discoverability
7.6 / 10
Regulatory · Banking & Open Finance
5.9 / 15
Agent readiness — 27/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract
0 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency documented
4.5 / 9
Stable Error Semantics documented
4.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
6 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
21
Kroo Developing agent ready Challenger & Neobank
Kroo Bank Ltd is a UK app-based challenger bank, founded in 2016 and granted a full UK banking licence by the PRA/FCA in 2021 (restrictions lifted in 2022), ...
Composite
42.1
Agent
37.6
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 42.1/100 · developing
Contract Quality
13.6 / 25
Developer Ergonomics
7.5 / 20
Access Clarity
4.2 / 20
Operational Transparency
3.4 / 13
Contract Governance
0.5 / 12
Discoverability
7.2 / 10
Regulatory · Banking & Open Finance
10.3 / 15
Agent readiness — 38/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth negotiable
7.5 / 10
Idempotency
9.0 / 9
Stable Error Semantics documented
4.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
7.0 / 7
Typed Event Surface
0 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity documented
3.0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
22
Chase UK Developing agent ready Challenger & Neobank
Chase UK is the digital retail bank operated in the United Kingdom by J.P. Morgan Europe Limited, a wholly owned subsidiary of JPMorgan Chase & Co. that laun...
Composite
41.9
Agent
37.6
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 41.9/100 · developing
Contract Quality
13.6 / 25
Developer Ergonomics
9.4 / 20
Access Clarity
5.8 / 20
Operational Transparency
0.0 / 13
Contract Governance
0.5 / 12
Discoverability
7.2 / 10
Regulatory · Banking & Open Finance
10.1 / 15
Agent readiness — 38/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth negotiable
7.5 / 10
Idempotency
9.0 / 9
Stable Error Semantics documented
4.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
7.0 / 7
Typed Event Surface
0 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity documented
3.0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
23
Nationwide Building Society Developing agent aware CMA9 (Mandated Open Banking)
Nationwide Building Society is the world's largest building society and one of the UK's biggest retail financial services providers, headquartered in Swindon...
Composite
41.9
Agent
25.2
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 41.9/100 · developing
Contract Quality
8.4 / 25
Developer Ergonomics
11.3 / 20
Access Clarity
2.6 / 20
Operational Transparency
5.1 / 13
Contract Governance
2.2 / 12
Discoverability
8.2 / 10
Regulatory · Banking & Open Finance
8.7 / 15
Agent readiness — 25/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract
0 / 10
Documented Reversibility
6 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
9 / 9
Stable Error Semantics documented
4.0 / 8
Request/Response Examples partial
3.5 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
4 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
24
Cashplus Bank Developing agent ready Challenger & Neobank
Cashplus Bank (legal entity Advanced Payment Solutions Limited, rebranded to Zempler Bank in July 2024) is a UK challenger bank founded in 2005 that grew fro...
Composite
41.7
Agent
37.6
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 41.7/100 · developing
Contract Quality
12.3 / 25
Developer Ergonomics
9.4 / 20
Access Clarity
4.2 / 20
Operational Transparency
2.1 / 13
Contract Governance
0.5 / 12
Discoverability
7.2 / 10
Regulatory · Banking & Open Finance
10.6 / 15
Agent readiness — 38/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth negotiable
7.5 / 10
Idempotency
9.0 / 9
Stable Error Semantics documented
4.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
7.0 / 7
Typed Event Surface
0 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity documented
3.0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
25
AIB Group (UK) Developing agent aware CMA9 (Mandated Open Banking)
AIB Group (UK) p.l.c. is a UK bank incorporated in Northern Ireland (registered number NI018800, registered office 92 Ann Street, Belfast BT1 3HH), authorise...
Composite
41.6
Agent
24.4
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 41.6/100 · developing
Contract Quality
8.2 / 25
Developer Ergonomics
11.8 / 20
Access Clarity
8.4 / 20
Operational Transparency
0.0 / 13
Contract Governance
2.2 / 12
Discoverability
7.6 / 10
Regulatory · Banking & Open Finance
8.2 / 15
Agent readiness — 24/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
6 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
9 / 9
Stable Error Semantics documented
4.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
4 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
26
Monument Bank Developing agent ready Challenger & Neobank
Monument Bank Limited is a UK challenger bank headquartered at 33 Cavendish Square, London, purpose-built for the "mass affluent" - professionals, entreprene...
Composite
41.3
Agent
36.7
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 41.3/100 · developing
Contract Quality
12.7 / 25
Developer Ergonomics
7.1 / 20
Access Clarity
5.8 / 20
Operational Transparency
0.0 / 13
Contract Governance
0.5 / 12
Discoverability
8.2 / 10
Regulatory · Banking & Open Finance
11.6 / 15
Agent readiness — 37/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth negotiable
7.5 / 10
Idempotency
9.0 / 9
Stable Error Semantics documented
4.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
7.0 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity documented
3.0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
27
Aldermore Bank Developing agent native Specialist & Mid-Tier Lender
Aldermore Bank plc is a UK specialist bank founded in 2009 and headquartered in Reading, offering savings accounts and specialist lending across residential ...
Composite
40.6
Agent
40.8
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 40.6/100 · developing
Contract Quality
12.7 / 25
Developer Ergonomics
7.0 / 20
Access Clarity
4.2 / 20
Operational Transparency
1.7 / 13
Contract Governance
0.5 / 12
Discoverability
7.2 / 10
Regulatory · Banking & Open Finance
11.8 / 15
Agent readiness — 41/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth served
9.0 / 10
Idempotency
9.0 / 9
Stable Error Semantics documented
4.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
7.0 / 7
Typed Event Surface
0 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
6.0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
28
Secure Trust Bank Developing agent ready Specialist & Mid-Tier Lender
Secure Trust Bank PLC is an award-winning UK specialist bank, founded in 1952 in the West Midlands and headquartered in Solihull, providing savings accounts ...
Composite
40.6
Agent
37.6
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 40.6/100 · developing
Contract Quality
12.7 / 25
Developer Ergonomics
7.5 / 20
Access Clarity
4.2 / 20
Operational Transparency
2.4 / 13
Contract Governance
0.5 / 12
Discoverability
7.2 / 10
Regulatory · Banking & Open Finance
10.6 / 15
Agent readiness — 38/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth negotiable
7.5 / 10
Idempotency
9.0 / 9
Stable Error Semantics documented
4.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
7.0 / 7
Typed Event Surface
0 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity documented
3.0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
29
Bank of Ireland (UK) Developing agent native CMA9 (Mandated Open Banking)
Bank of Ireland (UK) plc is the UK banking arm of Bank of Ireland Group plc, Ireland's oldest bank, founded in 1783 and headquartered in Dublin with a listin...
Composite
40.5
Agent
45.1
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 40.5/100 · developing
Contract Quality
12.7 / 25
Developer Ergonomics
5.1 / 20
Access Clarity
3.7 / 20
Operational Transparency
3.1 / 13
Contract Governance
2.2 / 12
Discoverability
7.6 / 10
Regulatory · Banking & Open Finance
10.8 / 15
Agent readiness — 45/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth served
9.0 / 10
Idempotency
9.0 / 9
Stable Error Semantics documented
4.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
7.0 / 7
Typed Event Surface
0 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
6.0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
6 / 6
Agentic Commerce Well-Known Document
0 / 5
30
Tandem Bank Developing agent ready Challenger & Neobank
Tandem Bank (Tandem Bank Limited) is a UK app-only challenger and self-styled "greener" digital bank founded in 2014 and headquartered in Blackpool, England,...
Composite
40.4
Agent
37.6
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 40.4/100 · developing
Contract Quality
13.6 / 25
Developer Ergonomics
11.8 / 20
Access Clarity
2.1 / 20
Operational Transparency
0.0 / 13
Contract Governance
0.5 / 12
Discoverability
7.2 / 10
Regulatory · Banking & Open Finance
9.9 / 15
Agent readiness — 38/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth negotiable
7.5 / 10
Idempotency
9.0 / 9
Stable Error Semantics documented
4.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
7.0 / 7
Typed Event Surface
0 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity documented
3.0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
31
Recognise Bank Developing agent ready SME & Business
Recognise Bank Limited is a UK challenger bank focused on the SME sector and the personal and business savings markets, offering fixed-rate, notice, and easy...
Composite
40.3
Agent
34.9
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 40.3/100 · developing
Contract Quality
12.7 / 25
Developer Ergonomics
6.2 / 20
Access Clarity
4.2 / 20
Operational Transparency
1.4 / 13
Contract Governance
0.5 / 12
Discoverability
8.2 / 10
Regulatory · Banking & Open Finance
11.8 / 15
Agent readiness — 35/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract
0 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth negotiable
7.5 / 10
Idempotency
9.0 / 9
Stable Error Semantics documented
4.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
7.0 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity documented
3.0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
32
zopa Developing agent ready Challenger & Neobank
Zopa Bank is a UK FCA-authorised, PRA-regulated digital bank offering flexible savings, personal loans, credit cards, car finance and the Biscuit current acc...
Composite
40.2
Agent
37.6
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 40.2/100 · developing
Contract Quality
12.6 / 25
Developer Ergonomics
7.7 / 20
Access Clarity
4.2 / 20
Operational Transparency
0.7 / 13
Contract Governance
0.5 / 12
Discoverability
7.6 / 10
Regulatory · Banking & Open Finance
11.5 / 15
Agent readiness — 38/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth negotiable
7.5 / 10
Idempotency
9.0 / 9
Stable Error Semantics documented
4.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
7.0 / 7
Typed Event Surface
0 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity documented
3.0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
33
TSB Bank Developing agent native High-Street & Retail
TSB Bank plc is a British retail and commercial bank headquartered in Edinburgh, offering current accounts, savings, mortgages, personal loans, credit cards,...
Composite
40.1
Agent
39.4
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 40.1/100 · developing
Contract Quality
9.4 / 25
Developer Ergonomics
8.9 / 20
Access Clarity
4.2 / 20
Operational Transparency
0.7 / 13
Contract Governance
2.2 / 12
Discoverability
7.6 / 10
Regulatory · Banking & Open Finance
11.8 / 15
Agent readiness — 39/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth served
9.0 / 10
Idempotency documented
4.5 / 9
Stable Error Semantics documented
4.0 / 8
Request/Response Examples partial
3.5 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
6.0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
6 / 6
Agentic Commerce Well-Known Document
0 / 5
34
Coutts Developing agent ready Private Bank
Coutts & Co is a British private bank and wealth manager founded in 1692, headquartered in London and serving high-net-worth individuals, families, commercia...
Composite
39.8
Agent
37.6
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 39.8/100 · developing
Contract Quality
13.6 / 25
Developer Ergonomics
5.6 / 20
Access Clarity
4.2 / 20
Operational Transparency
2.1 / 13
Contract Governance
0.5 / 12
Discoverability
8.2 / 10
Regulatory · Banking & Open Finance
10.3 / 15
Agent readiness — 38/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth negotiable
7.5 / 10
Idempotency
9.0 / 9
Stable Error Semantics documented
4.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
7.0 / 7
Typed Event Surface
0 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity documented
3.0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
35
Mettle Developing agent native Challenger & Neobank
Mettle is a digital-only business bank account brand for UK sole traders, freelancers, and small limited companies, wholly owned by NatWest Group and origina...
Composite
39.5
Agent
39.0
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 39.5/100 · developing
Contract Quality
8.2 / 25
Developer Ergonomics
4.2 / 20
Access Clarity
11.4 / 20
Operational Transparency
0.0 / 13
Contract Governance
2.2 / 12
Discoverability
7.6 / 10
Regulatory · Banking & Open Finance
10.6 / 15
Agent readiness — 39/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
6 / 6
MCP Server
0 / 12
Machine-Readable Auth served
9.0 / 10
Idempotency
9 / 9
Stable Error Semantics documented
4.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
4 / 4
Delegated User Identity
6.0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
6 / 6
Agentic Commerce Well-Known Document
0 / 5
Thin 16 26.2 – 39.2 Limited machine-readable signal beyond documentation a human can read.
36
Lloyds Banking Group Thin agent native CMA9 (Mandated Open Banking)
Lloyds Banking Group plc is the United Kingdom's largest retail and commercial banking group, serving personal, business, and corporate customers through the...
Composite
39.2
Agent
41.9
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 39.2/100 · thin
Contract Quality
14.8 / 25
Developer Ergonomics
11.3 / 20
Access Clarity
0.0 / 20
Operational Transparency
1.4 / 13
Contract Governance
0.5 / 12
Discoverability
7.6 / 10
Regulatory · Banking & Open Finance
8.4 / 15
Agent readiness — 42/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth negotiable
7.5 / 10
Idempotency
9.0 / 9
Stable Error Semantics documented
4.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
7.0 / 7
Typed Event Surface
6 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity documented
3.0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
37
Santander UK Thin agent ready CMA9 (Mandated Open Banking)
Santander UK plc is a major British retail and commercial bank and one of the CMA9 banks mandated to deliver UK Open Banking. It is a wholly owned, ring-fenc...
Composite
38.9
Agent
37.6
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 38.9/100 · thin
Contract Quality
12.7 / 25
Developer Ergonomics
8.7 / 20
Access Clarity
2.1 / 20
Operational Transparency
2.1 / 13
Contract Governance
0.5 / 12
Discoverability
7.6 / 10
Regulatory · Banking & Open Finance
9.9 / 15
Agent readiness — 38/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth negotiable
7.5 / 10
Idempotency
9.0 / 9
Stable Error Semantics documented
4.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
7.0 / 7
Typed Event Surface
0 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity documented
3.0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
38
Halifax Thin agent aware High-Street & Retail
Halifax is a major British high-street banking brand serving personal and business customers with current accounts, savings, mortgages, credit cards, loans, ...
Composite
38.1
Agent
22.3
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 38.1/100 · thin
Contract Quality
8.2 / 25
Developer Ergonomics
11.3 / 20
Access Clarity
4.3 / 20
Operational Transparency
0.7 / 13
Contract Governance
2.2 / 12
Discoverability
7.6 / 10
Regulatory · Banking & Open Finance
8.6 / 15
Agent readiness — 22/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract
0 / 10
Documented Reversibility
6 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
9 / 9
Stable Error Semantics documented
4.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
4 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
39
Handelsbanken UK Thin agent aware Specialist & Mid-Tier Lender
Handelsbanken UK (Handelsbanken plc) is the UK relationship bank of Svenska Handelsbanken AB (publ), the Swedish banking group, and operates a decentralised ...
Composite
37.9
Agent
5.8
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 37.9/100 · thin
Contract Quality
0.0 / 25
Developer Ergonomics
12.4 / 20
Access Clarity
8.4 / 20
Operational Transparency
3.1 / 13
Contract Governance
2.2 / 12
Discoverability
8.2 / 10
Regulatory · Banking & Open Finance
8.4 / 15
Agent readiness — 6/100 · agent aware
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency documented
4.5 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
40
GB Bank Thin agent ready SME & Business
GB Bank Limited is a UK challenger bank headquartered in Middlesbrough (2 Centre Square) with a London office (73 Brook Street, Mayfair). Wholly owned and pr...
Composite
37.8
Agent
36.7
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 37.8/100 · thin
Contract Quality
12.7 / 25
Developer Ergonomics
7.1 / 20
Access Clarity
4.2 / 20
Operational Transparency
0.0 / 13
Contract Governance
0.5 / 12
Discoverability
7.2 / 10
Regulatory · Banking & Open Finance
10.6 / 15
Agent readiness — 37/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth negotiable
7.5 / 10
Idempotency
9.0 / 9
Stable Error Semantics documented
4.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
7.0 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity documented
3.0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
41
Metro Bank Thin agent aware High-Street & Retail
Metro Bank is a UK retail and commercial bank founded in 2010 as the first new high-street bank to open in Britain in over 150 years, headquartered in London...
Composite
37.3
Agent
24.4
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 37.3/100 · thin
Contract Quality
8.2 / 25
Developer Ergonomics
8.5 / 20
Access Clarity
5.7 / 20
Operational Transparency
0.0 / 13
Contract Governance
2.2 / 12
Discoverability
7.6 / 10
Regulatory · Banking & Open Finance
9.9 / 15
Agent readiness — 24/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
6 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
9 / 9
Stable Error Semantics documented
4.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
4 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
42
Cynergy Bank Thin agent ready Specialist & Mid-Tier Lender
Cynergy Bank is an FCA- and PRA-authorised UK specialist bank (FCA reference 575105) serving the blended personal and business banking needs of business owne...
Composite
37.0
Agent
37.6
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 37.0/100 · thin
Contract Quality
13.6 / 25
Developer Ergonomics
5.6 / 20
Access Clarity
4.2 / 20
Operational Transparency
1.4 / 13
Contract Governance
0.5 / 12
Discoverability
7.2 / 10
Regulatory · Banking & Open Finance
9.1 / 15
Agent readiness — 38/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth negotiable
7.5 / 10
Idempotency
9.0 / 9
Stable Error Semantics documented
4.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
7.0 / 7
Typed Event Surface
0 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity documented
3.0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
43
Goldman Sachs Thin agent aware Savings
Goldman Sachs is a leading global money-center investment bank and financial services firm. Its public developer surface is institutional and professional-cl...
Composite
36.9
Agent
25.5
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 36.9/100 · thin
Contract Quality
10.4 / 25
Developer Ergonomics
8.1 / 20
Access Clarity
6.1 / 20
Operational Transparency
4.1 / 13
Contract Governance
0.5 / 12
Discoverability
7.2 / 10
Regulatory · Banking & Open Finance
5.1 / 15
Agent readiness — 26/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract
0 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency documented
4.5 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling documented
3.5 / 7
Typed Event Surface
6 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
44
Skipton Building Society Thin agent aware Building Society
Skipton Building Society is a UK mutual building society founded in 1853 and headquartered in Skipton, North Yorkshire. It is the fourth-largest building soc...
Composite
35.4
Agent
21.3
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 35.4/100 · thin
Contract Quality
8.2 / 25
Developer Ergonomics
7.1 / 20
Access Clarity
11.4 / 20
Operational Transparency
1.4 / 13
Contract Governance
0.5 / 12
Discoverability
6.7 / 10
Regulatory · Banking & Open Finance
4.7 / 15
Agent readiness — 21/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract
0 / 10
Documented Reversibility
6 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
9 / 9
Stable Error Semantics documented
4.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
4 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
45
Wise Thin agent ready Payments
Wise (formerly TransferWise) provides cross-border payments and multi-currency accounts for personal and business customers. The Wise Platform API exposes pr...
Composite
35.1
Agent
42.4
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 35.1/100 · thin
Contract Quality
16.4 / 25
Developer Ergonomics
4.3 / 20
Access Clarity
4.7 / 20
Operational Transparency
3.4 / 13
Contract Governance
1.4 / 12
Discoverability
5.2 / 10
Regulatory · Banking & Open Finance
4.4 / 15
Agent readiness — 42/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
6.0 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
9.0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
7.0 / 7
Rate-Limit Signaling
7.0 / 7
Typed Event Surface
6 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
46
Paragon Bank Thin agent ready Specialist & Mid-Tier Lender
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 comp...
Composite
34.9
Agent
37.6
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 34.9/100 · thin
Contract Quality
12.7 / 25
Developer Ergonomics
7.0 / 20
Access Clarity
4.2 / 20
Operational Transparency
0.0 / 13
Contract Governance
0.5 / 12
Discoverability
6.7 / 10
Regulatory · Banking & Open Finance
8.4 / 15
Agent readiness — 38/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth negotiable
7.5 / 10
Idempotency
9.0 / 9
Stable Error Semantics documented
4.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
7.0 / 7
Typed Event Surface
0 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity documented
3.0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
47
Shawbrook Bank Thin agent native Specialist & Mid-Tier Lender
Shawbrook Bank Limited is a specialist UK savings and lending bank (trading as Shawbrook, part of Shawbrook Group plc, which listed on the London Stock Excha...
Composite
34.6
Agent
40.8
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 34.6/100 · thin
Contract Quality
12.7 / 25
Developer Ergonomics
6.1 / 20
Access Clarity
2.1 / 20
Operational Transparency
0.7 / 13
Contract Governance
0.5 / 12
Discoverability
7.2 / 10
Regulatory · Banking & Open Finance
9.9 / 15
Agent readiness — 41/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth served
9.0 / 10
Idempotency
9.0 / 9
Stable Error Semantics documented
4.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
7.0 / 7
Typed Event Surface
0 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
6.0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
48
Principality Building Society Thin agent aware Building Society
Principality Building Society is the largest building society in Wales and the sixth largest in the United Kingdom, founded in 1860 and headquartered in Card...
Composite
34.2
Agent
21.3
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 34.2/100 · thin
Contract Quality
8.2 / 25
Developer Ergonomics
6.7 / 20
Access Clarity
11.4 / 20
Operational Transparency
0.7 / 13
Contract Governance
0.5 / 12
Discoverability
6.7 / 10
Regulatory · Banking & Open Finance
4.7 / 15
Agent readiness — 21/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract
0 / 10
Documented Reversibility
6 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
9 / 9
Stable Error Semantics documented
4.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
4 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
49
Bank of Scotland Thin agent ready High-Street & Retail
Bank of Scotland is a UK high-street retail and commercial bank, founded in 1695 and headquartered in Edinburgh, and is one of the oldest banks in the United...
Composite
33.7
Agent
35.8
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 33.7/100 · thin
Contract Quality
12.7 / 25
Developer Ergonomics
9.4 / 20
Access Clarity
0.0 / 20
Operational Transparency
0.0 / 13
Contract Governance
0.5 / 12
Discoverability
8.2 / 10
Regulatory · Banking & Open Finance
7.6 / 15
Agent readiness — 36/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract
0 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth negotiable
7.5 / 10
Idempotency
9.0 / 9
Stable Error Semantics documented
4.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
7.0 / 7
Typed Event Surface
0 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity documented
3.0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
50
NatWest Group Thin agent native CMA9 (Mandated Open Banking)
NatWest Group is a major UK retail and commercial bank (formerly Royal Bank of Scotland Group) serving personal, business, and corporate customers across the...
Composite
32.5
Agent
45.1
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 32.5/100 · thin
Contract Quality
12.6 / 25
Developer Ergonomics
1.8 / 20
Access Clarity
0.0 / 20
Operational Transparency
3.8 / 13
Contract Governance
2.2 / 12
Discoverability
8.2 / 10
Regulatory · Banking & Open Finance
8.7 / 15
Agent readiness — 45/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth served
9.0 / 10
Idempotency
9.0 / 9
Stable Error Semantics documented
4.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
7.0 / 7
Typed Event Surface
0 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
6.0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
6 / 6
Agentic Commerce Well-Known Document
0 / 5
51
Leeds Building Society Thin agent aware Building Society
Leeds Building Society is the fifth-largest building society in the United Kingdom, a mutual owned by and run for the benefit of its members rather than shar...
Composite
30.4
Agent
15.0
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 30.4/100 · thin
Contract Quality
8.2 / 25
Developer Ergonomics
4.8 / 20
Access Clarity
11.4 / 20
Operational Transparency
1.4 / 13
Contract Governance
0.0 / 12
Discoverability
6.7 / 10
Regulatory · Banking & Open Finance
2.7 / 15
Agent readiness — 15/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract
0 / 10
Documented Reversibility
6 / 6
MCP Server
0 / 12
Machine-Readable Auth
0 / 10
Idempotency
9 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
4 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
Emerging 6 11 – 26.1 More than an index entry but still mostly links rather than artifacts.
52
Tide Emerging human only SME & Business
Tide is a UK business finance and administration platform ("built by business owners for business owners") serving over two million small businesses, sole tr...
Composite
18.0
Agent
0.0
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 18.0/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
1.4 / 20
Access Clarity
7.6 / 20
Operational Transparency
3.4 / 13
Contract Governance
0.0 / 12
Discoverability
5.7 / 10
Regulatory · Payments
4.7 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth
0 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
53
Redwood Bank Emerging agent aware SME & Business
Redwood Bank is a specialist UK challenger bank for small and medium-sized businesses, headquartered in Letchworth Garden City, Hertfordshire. Launched in 20...
Composite
15.5
Agent
10.8
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 15.5/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
3.8 / 20
Access Clarity
4.2 / 20
Operational Transparency
0.0 / 13
Contract Governance
0.5 / 12
Discoverability
6.9 / 10
Regulatory · Banking & Open Finance
4.7 / 15
Agent readiness — 11/100 · agent aware
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth served
9.0 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
6.0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
54
ANNA Money Emerging human only Challenger & Neobank
ANNA Money (a trading name of Absolutely No Nonsense Admin Ltd, company number 10149389, Cardiff, a subsidiary of ANNA Holdings Ltd) is a UK digital business...
Composite
14.4
Agent
0.0
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 14.4/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
1.4 / 20
Access Clarity
8.9 / 20
Operational Transparency
0.3 / 13
Contract Governance
0.0 / 12
Discoverability
5.7 / 10
Regulatory · Banking & Open Finance
2.7 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth
0 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
55
Monese Emerging human only Challenger & Neobank
Monese is a London-founded fintech that provides mobile money accounts to consumers across Europe. Operating as a licensed Electronic Money Institution (EMI)...
Composite
11.8
Agent
0.0
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 11.8/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
0.5 / 20
Access Clarity
6.3 / 20
Operational Transparency
2.1 / 13
Contract Governance
0.0 / 12
Discoverability
5.0 / 10
Regulatory · Banking & Open Finance
2.7 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth
0 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
56
Curve Emerging human only Challenger & Neobank
Curve is a London-based fintech, founded in 2015 by Shachar Bialick, that consolidates multiple debit and credit cards into a single smart card and mobile wa...
Composite
11.1
Agent
0.0
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 11.1/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
1.4 / 20
Access Clarity
4.2 / 20
Operational Transparency
2.1 / 13
Contract Governance
0.0 / 12
Discoverability
5.0 / 10
Regulatory · Payments
3.3 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth
0 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
57
OakNorth Emerging human only SME & Business
OakNorth is a UK-based commercial bank and business-lending institution founded in 2015, providing debt financing to mid-market and lower-mid-market business...
Composite
11.1
Agent
0.0
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 11.1/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
1.4 / 20
Access Clarity
4.2 / 20
Operational Transparency
1.4 / 13
Contract Governance
0.0 / 12
Discoverability
5.0 / 10
Regulatory · Banking & Open Finance
3.8 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth
0 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
Minimal 3 0 – 10.9 Index entry only; little beyond a description and a link.
58
Close Brothers Minimal human only Specialist & Mid-Tier Lender
Close Brothers Group plc (LSE: CBG) is a UK merchant banking group founded in 1878 and a constituent of the FTSE 250 Index, headquartered at 10 Crown Place, ...
Composite
8.2
Agent
0.0
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 8.2/100 · minimal
Contract Quality
0.0 / 25
Developer Ergonomics
1.0 / 20
Access Clarity
4.2 / 20
Operational Transparency
0.0 / 13
Contract Governance
0.0 / 12
Discoverability
5.0 / 10
Regulatory · Banking & Open Finance
2.7 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth
0 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
59
Atom Bank Minimal human only Challenger & Neobank
Atom Bank plc is a UK app-only digital bank headquartered in Newcastle upon Tyne, and the first mobile-only bank in the United Kingdom (no branches, no web b...
Composite
8.0
Agent
0.0
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 8.0/100 · minimal
Contract Quality
0.0 / 25
Developer Ergonomics
0.5 / 20
Access Clarity
4.2 / 20
Operational Transparency
0.3 / 13
Contract Governance
0.0 / 12
Discoverability
5.0 / 10
Regulatory · Banking & Open Finance
2.7 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth
0 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
60
HSBC Minimal human only CMA9 (Mandated Open Banking)
One of the world's largest banking and financial services organizations headquartered in London. Serves over 40 million customers globally with a strong pres...
Composite
5.8
Agent
0.0
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 5.8/100 · minimal
Contract Quality
0.0 / 25
Developer Ergonomics
1.9 / 20
Access Clarity
0.0 / 20
Operational Transparency
0.3 / 13
Contract Governance
0.0 / 12
Discoverability
5.9 / 10
Regulatory · Banking & Open Finance
2.3 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth
0 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5