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.
search
60 providers
Developing 23 45–59.9 Real signal across most facets with visible, nameable gaps.
1
NatWest Group Developing agent native CMA9 (Mandated Open Banking)
NatWest Group is a major UK retail and commercial bank (formerly Royal
Composite
59.2
Agent
80.8
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 59.2/100 · developing
Contract Quality
13.0 / 25
Developer Ergonomics
13.5 / 20
Commercial Clarity
8.4 / 20
Operational Transparency
7.2 / 13
Governance
0.0 / 12
Discoverability
10.0 / 10
Regulatory · Banking & Open Finance
15.0 / 15
Agent readiness — 81/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract
15 / 15
MCP Server
12 / 12
Machine-Readable Auth
10 / 10
Idempotency
9 / 9
Stable Error Semantics
8 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
5 / 5
Well-Known Catalog
4 / 4
Consent & Bot Identity
3 / 3
2
Griffin Developing agent native 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
56.2
Agent
71.2
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 56.2/100 · developing
Contract Quality
15.1 / 25
Developer Ergonomics
15.7 / 20
Commercial Clarity
8.9 / 20
Operational Transparency
6.8 / 13
Governance
0.0 / 12
Discoverability
10.0 / 10
Regulatory · Banking & Open Finance
8.1 / 15
Agent readiness — 71/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract
15 / 15
MCP Server
12 / 12
Machine-Readable Auth
10 / 10
Idempotency
0 / 9
Stable Error Semantics
8 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
6 / 6
Agent Skills
5 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
3
first direct Developing agent native High-Street & Retail
first direct is a telephone- and internet-based retail bank and a division
Composite
53.9
Agent
69.2
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 53.9/100 · developing
Contract Quality
13.5 / 25
Developer Ergonomics
12.2 / 20
Commercial Clarity
6.8 / 20
Operational Transparency
5.1 / 13
Governance
0.0 / 12
Discoverability
10.0 / 10
Regulatory · Banking & Open Finance
13.4 / 15
Agent readiness — 69/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract
15 / 15
MCP Server
0 / 12
Machine-Readable Auth
10 / 10
Idempotency
9 / 9
Stable Error Semantics
8 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
5 / 5
Well-Known Catalog
4 / 4
Consent & Bot Identity
3 / 3
4
Algbra Developing 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
53.4
Agent
68.3
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 53.4/100 · developing
Contract Quality
15.1 / 25
Developer Ergonomics
11.7 / 20
Commercial Clarity
8.9 / 20
Operational Transparency
1.4 / 13
Governance
0.0 / 12
Discoverability
10.0 / 10
Regulatory · Banking & Open Finance
13.4 / 15
Agent readiness — 68/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract
15 / 15
MCP Server
0 / 12
Machine-Readable Auth
10 / 10
Idempotency
9 / 9
Stable Error Semantics
8 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
6 / 6
Agent Skills
5 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
5
zopa Developing agent native Challenger & Neobank
'Zopa Bank is a UK FCA-authorised, PRA-regulated digital bank offering flexible savings,
Composite
53.3
Agent
80.8
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 53.3/100 · developing
Contract Quality
14.0 / 25
Developer Ergonomics
11.3 / 20
Commercial Clarity
8.4 / 20
Operational Transparency
1.4 / 13
Governance
0.0 / 12
Discoverability
10.0 / 10
Regulatory · Banking & Open Finance
15.0 / 15
Agent readiness — 81/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract
15 / 15
MCP Server
12 / 12
Machine-Readable Auth
10 / 10
Idempotency
9 / 9
Stable Error Semantics
8 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
5 / 5
Well-Known Catalog
4 / 4
Consent & Bot Identity
3 / 3
6
Coutts Developing agent native Private Bank
Coutts & Co is a British private bank and wealth manager founded in 1692, headquartered in
Composite
52.7
Agent
80.8
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 52.7/100 · developing
Contract Quality
13.5 / 25
Developer Ergonomics
13.5 / 20
Commercial Clarity
4.2 / 20
Operational Transparency
5.1 / 13
Governance
0.0 / 12
Discoverability
10.0 / 10
Regulatory · Banking & Open Finance
13.4 / 15
Agent readiness — 81/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract
15 / 15
MCP Server
12 / 12
Machine-Readable Auth
10 / 10
Idempotency
9 / 9
Stable Error Semantics
8 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
5 / 5
Well-Known Catalog
4 / 4
Consent & Bot Identity
3 / 3
7
Wise Developing agent ready Payments
Wise (formerly TransferWise) provides cross-border payments and multi-currency
Composite
51.7
Agent
53.8
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 51.7/100 · developing
Contract Quality
17.4 / 25
Developer Ergonomics
5.2 / 20
Commercial Clarity
9.5 / 20
Operational Transparency
6.8 / 13
Governance
6.3 / 12
Discoverability
6.8 / 10
Regulatory · Banking & Open Finance
7.5 / 15
Agent readiness — 54/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract
15 / 15
MCP Server
0 / 12
Machine-Readable Auth
10 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
7 / 7
Typed Event Surface
6 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
8
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
51.6
Agent
79.8
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 51.6/100 · developing
Contract Quality
15.1 / 25
Developer Ergonomics
13.5 / 20
Commercial Clarity
5.8 / 20
Operational Transparency
1.0 / 13
Governance
0.0 / 12
Discoverability
10.0 / 10
Regulatory · Banking & Open Finance
13.1 / 15
Agent readiness — 80/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract
15 / 15
MCP Server
12 / 12
Machine-Readable Auth
10 / 10
Idempotency
9 / 9
Stable Error Semantics
8 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
6 / 6
Agent Skills
5 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
9
ClearBank Developing agent native 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
51.4
Agent
75.0
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 51.4/100 · developing
Contract Quality
15.1 / 25
Developer Ergonomics
13.0 / 20
Commercial Clarity
4.2 / 20
Operational Transparency
6.2 / 13
Governance
0.0 / 12
Discoverability
10.0 / 10
Regulatory · Banking & Open Finance
10.1 / 15
Agent readiness — 75/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract
15 / 15
MCP Server
0 / 12
Machine-Readable Auth
10 / 10
Idempotency
9 / 9
Stable Error Semantics
8 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
6 / 6
Agent Skills
5 / 5
Well-Known Catalog
4 / 4
Consent & Bot Identity
3 / 3
10
Triodos Bank UK Developing agent native 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
51.0
Agent
80.8
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 51.0/100 · developing
Contract Quality
9.4 / 25
Developer Ergonomics
14.8 / 20
Commercial Clarity
6.3 / 20
Operational Transparency
3.4 / 13
Governance
0.0 / 12
Discoverability
10.0 / 10
Regulatory · Banking & Open Finance
13.7 / 15
Agent readiness — 81/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract
15 / 15
MCP Server
12 / 12
Machine-Readable Auth
10 / 10
Idempotency
9 / 9
Stable Error Semantics
8 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
5 / 5
Well-Known Catalog
4 / 4
Consent & Bot Identity
3 / 3
11
Hampden & Co Developing agent native 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
49.8
Agent
74.0
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 49.8/100 · developing
Contract Quality
13.5 / 25
Developer Ergonomics
11.3 / 20
Commercial Clarity
8.4 / 20
Operational Transparency
0.0 / 13
Governance
0.0 / 12
Discoverability
10.0 / 10
Regulatory · Banking & Open Finance
13.1 / 15
Agent readiness — 74/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract
15 / 15
MCP Server
12 / 12
Machine-Readable Auth
10 / 10
Idempotency
9 / 9
Stable Error Semantics
8 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
5 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
12
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
48.6
Agent
86.5
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 48.6/100 · developing
Contract Quality
16.4 / 25
Developer Ergonomics
14.8 / 20
Commercial Clarity
1.6 / 20
Operational Transparency
6.2 / 13
Governance
0.0 / 12
Discoverability
7.5 / 10
Regulatory · Banking & Open Finance
9.1 / 15
Agent readiness — 87/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract
15 / 15
MCP Server
12 / 12
Machine-Readable Auth
10 / 10
Idempotency
9 / 9
Stable Error Semantics
8 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
6 / 6
Agent Skills
5 / 5
Well-Known Catalog
4 / 4
Consent & Bot Identity
3 / 3
13
Barclays Developing human only CMA9 (Mandated Open Banking)
Barclays is a multinational financial services company providing retail and commercial banking, investment banking, wealth management, and credit cards. The ...
Composite
48.3
Agent
6.7
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 48.3/100 · developing
Contract Quality
3.8 / 25
Developer Ergonomics
4.8 / 20
Commercial Clarity
14.7 / 20
Operational Transparency
4.8 / 13
Governance
10.4 / 12
Discoverability
8.8 / 10
Regulatory · Banking & Open Finance
8.1 / 15
Agent readiness — 7/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
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
7 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
14
Kroo Developing agent native Challenger & Neobank
Kroo Bank Ltd is a UK app-based challenger bank, founded in 2016 and granted a full UK banking
Composite
48.3
Agent
80.8
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 48.3/100 · developing
Contract Quality
13.5 / 25
Developer Ergonomics
10.0 / 20
Commercial Clarity
4.2 / 20
Operational Transparency
3.4 / 13
Governance
0.0 / 12
Discoverability
10.0 / 10
Regulatory · Banking & Open Finance
13.4 / 15
Agent readiness — 81/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract
15 / 15
MCP Server
12 / 12
Machine-Readable Auth
10 / 10
Idempotency
9 / 9
Stable Error Semantics
8 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
5 / 5
Well-Known Catalog
4 / 4
Consent & Bot Identity
3 / 3
15
Chase UK Developing agent native 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
48.0
Agent
74.0
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 48.0/100 · developing
Contract Quality
13.5 / 25
Developer Ergonomics
13.0 / 20
Commercial Clarity
5.8 / 20
Operational Transparency
0.0 / 13
Governance
0.0 / 12
Discoverability
8.8 / 10
Regulatory · Banking & Open Finance
13.1 / 15
Agent readiness — 74/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract
15 / 15
MCP Server
12 / 12
Machine-Readable Auth
10 / 10
Idempotency
9 / 9
Stable Error Semantics
8 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
5 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
16
Starling Bank Developing agent ready Challenger & Neobank
Starling Bank is a UK app-only digital challenger bank founded in 2014 by
Composite
47.7
Agent
50.0
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 47.7/100 · developing
Contract Quality
9.4 / 25
Developer Ergonomics
13.0 / 20
Commercial Clarity
5.8 / 20
Operational Transparency
4.1 / 13
Governance
0.0 / 12
Discoverability
10.0 / 10
Regulatory · Banking & Open Finance
11.7 / 15
Agent readiness — 50/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract
0 / 15
MCP Server
0 / 12
Machine-Readable Auth
10 / 10
Idempotency
9 / 9
Stable Error Semantics
8 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
4 / 4
Consent & Bot Identity
3 / 3
17
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
47.4
Agent
77.9
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 47.4/100 · developing
Contract Quality
13.5 / 25
Developer Ergonomics
11.7 / 20
Commercial Clarity
3.7 / 20
Operational Transparency
3.1 / 13
Governance
0.0 / 12
Discoverability
10.0 / 10
Regulatory · Banking & Open Finance
11.7 / 15
Agent readiness — 78/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract
15 / 15
MCP Server
12 / 12
Machine-Readable Auth
10 / 10
Idempotency
9 / 9
Stable Error Semantics
8 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
5 / 5
Well-Known Catalog
4 / 4
Consent & Bot Identity
0 / 3
18
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
47.4
Agent
83.7
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 47.4/100 · developing
Contract Quality
14.0 / 25
Developer Ergonomics
13.0 / 20
Commercial Clarity
4.2 / 20
Operational Transparency
1.0 / 13
Governance
0.0 / 12
Discoverability
10.0 / 10
Regulatory · Banking & Open Finance
11.4 / 15
Agent readiness — 84/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract
15 / 15
MCP Server
12 / 12
Machine-Readable Auth
10 / 10
Idempotency
9 / 9
Stable Error Semantics
8 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
6 / 6
Agent Skills
5 / 5
Well-Known Catalog
4 / 4
Consent & Bot Identity
0 / 3
19
Mettle Developing agent native Challenger & Neobank
Mettle is a digital-only business bank account brand for UK sole traders,
Composite
46.7
Agent
77.9
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 46.7/100 · developing
Contract Quality
9.4 / 25
Developer Ergonomics
11.3 / 20
Commercial Clarity
5.8 / 20
Operational Transparency
3.1 / 13
Governance
0.0 / 12
Discoverability
10.0 / 10
Regulatory · Banking & Open Finance
13.1 / 15
Agent readiness — 78/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract
15 / 15
MCP Server
12 / 12
Machine-Readable Auth
10 / 10
Idempotency
9 / 9
Stable Error Semantics
8 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
5 / 5
Well-Known Catalog
4 / 4
Consent & Bot Identity
0 / 3
20
Allica Bank Developing agent native SME & Business
Allica Bank Limited is a UK financial-technology bank built specifically
Composite
46.3
Agent
80.8
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 46.3/100 · developing
Contract Quality
9.6 / 25
Developer Ergonomics
13.5 / 20
Commercial Clarity
4.2 / 20
Operational Transparency
1.4 / 13
Governance
0.0 / 12
Discoverability
10.0 / 10
Regulatory · Banking & Open Finance
13.4 / 15
Agent readiness — 81/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract
15 / 15
MCP Server
12 / 12
Machine-Readable Auth
10 / 10
Idempotency
9 / 9
Stable Error Semantics
8 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
5 / 5
Well-Known Catalog
4 / 4
Consent & Bot Identity
3 / 3
21
Coventry Building Society Developing agent native 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
46.1
Agent
74.0
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 46.1/100 · developing
Contract Quality
13.5 / 25
Developer Ergonomics
9.6 / 20
Commercial Clarity
5.8 / 20
Operational Transparency
0.0 / 13
Governance
0.0 / 12
Discoverability
10.0 / 10
Regulatory · Banking & Open Finance
13.1 / 15
Agent readiness — 74/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract
15 / 15
MCP Server
12 / 12
Machine-Readable Auth
10 / 10
Idempotency
9 / 9
Stable Error Semantics
8 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
5 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
22
Halifax Developing agent ready 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
46.1
Agent
59.6
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 46.1/100 · developing
Contract Quality
9.4 / 25
Developer Ergonomics
13.0 / 20
Commercial Clarity
5.8 / 20
Operational Transparency
0.7 / 13
Governance
0.0 / 12
Discoverability
10.0 / 10
Regulatory · Banking & Open Finance
13.1 / 15
Agent readiness — 60/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract
0 / 15
MCP Server
12 / 12
Machine-Readable Auth
10 / 10
Idempotency
9 / 9
Stable Error Semantics
8 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
5 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
23
Vanquis Banking Group Developing agent native 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
45.0
Agent
74.0
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 45.0/100 · developing
Contract Quality
12.1 / 25
Developer Ergonomics
9.6 / 20
Commercial Clarity
6.8 / 20
Operational Transparency
1.0 / 13
Governance
0.0 / 12
Discoverability
10.0 / 10
Regulatory · Banking & Open Finance
11.4 / 15
Agent readiness — 74/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract
15 / 15
MCP Server
12 / 12
Machine-Readable Auth
10 / 10
Idempotency
9 / 9
Stable Error Semantics
8 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
5 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
Thin 26 30–44.9 Limited machine-readable signal beyond documentation a human can read.
24
Lloyds Banking Group Thin agent native CMA9 (Mandated Open Banking)
Lloyds Banking Group plc is the United Kingdom's largest retail and
Composite
44.7
Agent
68.3
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 44.7/100 · thin
Contract Quality
16.2 / 25
Developer Ergonomics
11.7 / 20
Commercial Clarity
2.1 / 20
Operational Transparency
0.7 / 13
Governance
0.0 / 12
Discoverability
10.0 / 10
Regulatory · Banking & Open Finance
10.1 / 15
Agent readiness — 68/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract
15 / 15
MCP Server
0 / 12
Machine-Readable Auth
10 / 10
Idempotency
9 / 9
Stable Error Semantics
8 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
6 / 6
Agent Skills
5 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
25
Cashplus Bank Thin agent native 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
44.0
Agent
74.0
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 44.0/100 · thin
Contract Quality
12.1 / 25
Developer Ergonomics
10.0 / 20
Commercial Clarity
4.2 / 20
Operational Transparency
2.1 / 13
Governance
0.0 / 12
Discoverability
10.0 / 10
Regulatory · Banking & Open Finance
11.4 / 15
Agent readiness — 74/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract
15 / 15
MCP Server
12 / 12
Machine-Readable Auth
10 / 10
Idempotency
9 / 9
Stable Error Semantics
8 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
5 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
26
The Co-operative Bank Thin agent native 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
44.0
Agent
64.4
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 44.0/100 · thin
Contract Quality
9.4 / 25
Developer Ergonomics
10.0 / 20
Commercial Clarity
4.7 / 20
Operational Transparency
3.4 / 13
Governance
0.0 / 12
Discoverability
10.0 / 10
Regulatory · Banking & Open Finance
12.1 / 15
Agent readiness — 64/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract
15 / 15
MCP Server
0 / 12
Machine-Readable Auth
10 / 10
Idempotency
9 / 9
Stable Error Semantics
8 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
4 / 4
Consent & Bot Identity
3 / 3
27
Nationwide Building Society Thin agent native CMA9 (Mandated Open Banking)
Nationwide Building Society is the world's largest building society and
Composite
43.9
Agent
66.3
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 43.9/100 · thin
Contract Quality
9.4 / 25
Developer Ergonomics
11.7 / 20
Commercial Clarity
2.6 / 20
Operational Transparency
5.1 / 13
Governance
0.0 / 12
Discoverability
10.0 / 10
Regulatory · Banking & Open Finance
10.8 / 15
Agent readiness — 66/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract
0 / 15
MCP Server
12 / 12
Machine-Readable Auth
10 / 10
Idempotency
9 / 9
Stable Error Semantics
8 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
5 / 5
Well-Known Catalog
4 / 4
Consent & Bot Identity
3 / 3
28
Aldermore Bank Thin agent native Specialist & Mid-Tier Lender
Aldermore Bank plc is a UK specialist bank founded in 2009 and headquartered
Composite
43.8
Agent
80.8
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 43.8/100 · thin
Contract Quality
13.5 / 25
Developer Ergonomics
6.1 / 20
Commercial Clarity
4.2 / 20
Operational Transparency
2.1 / 13
Governance
0.0 / 12
Discoverability
10.0 / 10
Regulatory · Banking & Open Finance
13.4 / 15
Agent readiness — 81/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract
15 / 15
MCP Server
12 / 12
Machine-Readable Auth
10 / 10
Idempotency
9 / 9
Stable Error Semantics
8 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
5 / 5
Well-Known Catalog
4 / 4
Consent & Bot Identity
3 / 3
29
C. Hoare & Co. Thin agent native Private Bank
C. Hoare & Co. (Hoares Bank) is the United Kingdom's oldest privately-owned bank, founded
Composite
43.8
Agent
74.0
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 43.8/100 · thin
Contract Quality
10.9 / 25
Developer Ergonomics
9.6 / 20
Commercial Clarity
5.8 / 20
Operational Transparency
0.0 / 13
Governance
0.0 / 12
Discoverability
10.0 / 10
Regulatory · Banking & Open Finance
13.1 / 15
Agent readiness — 74/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract
15 / 15
MCP Server
12 / 12
Machine-Readable Auth
10 / 10
Idempotency
9 / 9
Stable Error Semantics
8 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
5 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
30
Investec Thin agent native Specialist & Mid-Tier Lender
Investec is an international specialist bank and wealth manager, dual-listed on the London
Composite
43.4
Agent
62.5
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 43.4/100 · thin
Contract Quality
13.5 / 25
Developer Ergonomics
13.9 / 20
Commercial Clarity
2.6 / 20
Operational Transparency
0.7 / 13
Governance
0.0 / 12
Discoverability
10.0 / 10
Regulatory · Banking & Open Finance
8.8 / 15
Agent readiness — 63/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract
15 / 15
MCP Server
0 / 12
Machine-Readable Auth
10 / 10
Idempotency
9 / 9
Stable Error Semantics
8 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
5 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
31
Monzo Thin agent ready 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
43.3
Agent
54.8
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 43.3/100 · thin
Contract Quality
5.7 / 25
Developer Ergonomics
14.8 / 20
Commercial Clarity
4.2 / 20
Operational Transparency
5.1 / 13
Governance
0.0 / 12
Discoverability
9.3 / 10
Regulatory · Banking & Open Finance
10.1 / 15
Agent readiness — 55/100 · agent ready
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
MCP Server
12 / 12
Machine-Readable Auth
10 / 10
Idempotency
9 / 9
Stable Error Semantics
8 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
6 / 6
Agent Skills
5 / 5
Well-Known Catalog
4 / 4
Consent & Bot Identity
3 / 3
32
Cynergy Bank Thin agent native 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
43.2
Agent
74.0
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 43.2/100 · thin
Contract Quality
13.5 / 25
Developer Ergonomics
9.6 / 20
Commercial Clarity
4.2 / 20
Operational Transparency
1.4 / 13
Governance
0.0 / 12
Discoverability
8.8 / 10
Regulatory · Banking & Open Finance
11.4 / 15
Agent readiness — 74/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract
15 / 15
MCP Server
12 / 12
Machine-Readable Auth
10 / 10
Idempotency
9 / 9
Stable Error Semantics
8 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
5 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
33
TSB Bank Thin 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
42.7
Agent
80.8
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 42.7/100 · thin
Contract Quality
9.4 / 25
Developer Ergonomics
9.6 / 20
Commercial Clarity
4.2 / 20
Operational Transparency
1.4 / 13
Governance
0.0 / 12
Discoverability
10.0 / 10
Regulatory · Banking & Open Finance
13.4 / 15
Agent readiness — 81/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract
15 / 15
MCP Server
12 / 12
Machine-Readable Auth
10 / 10
Idempotency
9 / 9
Stable Error Semantics
8 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
5 / 5
Well-Known Catalog
4 / 4
Consent & Bot Identity
3 / 3
34
AIB Group (UK) Thin agent native CMA9 (Mandated Open Banking)
AIB Group (UK) p.l.c. is a UK bank incorporated in Northern Ireland
Composite
42.3
Agent
62.5
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 42.3/100 · thin
Contract Quality
9.4 / 25
Developer Ergonomics
10.4 / 20
Commercial Clarity
8.4 / 20
Operational Transparency
0.0 / 13
Governance
0.0 / 12
Discoverability
10.0 / 10
Regulatory · Banking & Open Finance
9.8 / 15
Agent readiness — 63/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract
15 / 15
MCP Server
0 / 12
Machine-Readable Auth
10 / 10
Idempotency
9 / 9
Stable Error Semantics
8 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
5 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
35
Virgin Money UK Thin 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
42.1
Agent
69.2
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 42.1/100 · thin
Contract Quality
9.4 / 25
Developer Ergonomics
7.8 / 20
Commercial Clarity
4.2 / 20
Operational Transparency
2.4 / 13
Governance
0.0 / 12
Discoverability
10.0 / 10
Regulatory · Banking & Open Finance
13.4 / 15
Agent readiness — 69/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract
15 / 15
MCP Server
0 / 12
Machine-Readable Auth
10 / 10
Idempotency
9 / 9
Stable Error Semantics
8 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
5 / 5
Well-Known Catalog
4 / 4
Consent & Bot Identity
3 / 3
36
Weatherbys Bank Thin agent native 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
42.1
Agent
69.2
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 42.1/100 · thin
Contract Quality
9.4 / 25
Developer Ergonomics
7.0 / 20
Commercial Clarity
5.8 / 20
Operational Transparency
2.1 / 13
Governance
0.0 / 12
Discoverability
10.0 / 10
Regulatory · Banking & Open Finance
13.1 / 15
Agent readiness — 69/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract
15 / 15
MCP Server
12 / 12
Machine-Readable Auth
10 / 10
Idempotency
9 / 9
Stable Error Semantics
8 / 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
37
Secure Trust Bank Thin agent native 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
41.5
Agent
74.0
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 41.5/100 · thin
Contract Quality
13.5 / 25
Developer Ergonomics
6.5 / 20
Commercial Clarity
4.2 / 20
Operational Transparency
2.4 / 13
Governance
0.0 / 12
Discoverability
8.8 / 10
Regulatory · Banking & Open Finance
11.4 / 15
Agent readiness — 74/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract
15 / 15
MCP Server
12 / 12
Machine-Readable Auth
10 / 10
Idempotency
9 / 9
Stable Error Semantics
8 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
5 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
38
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
40.9
Agent
48.1
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 40.9/100 · thin
Contract Quality
13.5 / 25
Developer Ergonomics
8.3 / 20
Commercial Clarity
4.2 / 20
Operational Transparency
0.0 / 13
Governance
0.0 / 12
Discoverability
8.8 / 10
Regulatory · Banking & Open Finance
11.4 / 15
Agent readiness — 48/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract
0 / 15
MCP Server
0 / 12
Machine-Readable Auth
10 / 10
Idempotency
9 / 9
Stable Error Semantics
8 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
5 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
39
Monument Bank Thin 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
40.9
Agent
57.7
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 40.9/100 · thin
Contract Quality
13.5 / 25
Developer Ergonomics
3.5 / 20
Commercial Clarity
5.8 / 20
Operational Transparency
0.0 / 13
Governance
0.0 / 12
Discoverability
10.0 / 10
Regulatory · Banking & Open Finance
13.1 / 15
Agent readiness — 58/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract
15 / 15
MCP Server
0 / 12
Machine-Readable Auth
10 / 10
Idempotency
9 / 9
Stable Error Semantics
8 / 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
40
Santander UK Thin agent native CMA9 (Mandated Open Banking)
Santander UK plc is a major British retail and commercial bank and one
Composite
40.6
Agent
62.5
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 40.6/100 · thin
Contract Quality
13.5 / 25
Developer Ergonomics
8.3 / 20
Commercial Clarity
2.1 / 20
Operational Transparency
2.1 / 13
Governance
0.0 / 12
Discoverability
10.0 / 10
Regulatory · Banking & Open Finance
10.1 / 15
Agent readiness — 63/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract
15 / 15
MCP Server
0 / 12
Machine-Readable Auth
10 / 10
Idempotency
9 / 9
Stable Error Semantics
8 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
5 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
41
Recognise Bank Thin agent aware 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
43.3
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 40.3/100 · thin
Contract Quality
13.5 / 25
Developer Ergonomics
2.6 / 20
Commercial Clarity
4.2 / 20
Operational Transparency
1.4 / 13
Governance
0.0 / 12
Discoverability
10.0 / 10
Regulatory · Banking & Open Finance
13.4 / 15
Agent readiness — 43/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract
0 / 15
MCP Server
0 / 12
Machine-Readable Auth
10 / 10
Idempotency
9 / 9
Stable Error Semantics
8 / 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
42
Tandem Bank Thin agent native 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
39.7
Agent
74.0
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 39.7/100 · thin
Contract Quality
13.5 / 25
Developer Ergonomics
10.4 / 20
Commercial Clarity
2.1 / 20
Operational Transparency
0.0 / 13
Governance
0.0 / 12
Discoverability
8.8 / 10
Regulatory · Banking & Open Finance
10.1 / 15
Agent readiness — 74/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract
15 / 15
MCP Server
12 / 12
Machine-Readable Auth
10 / 10
Idempotency
9 / 9
Stable Error Semantics
8 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
5 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
43
GB Bank Thin agent ready SME & Business
GB Bank Limited is a UK challenger bank headquartered in Middlesbrough
Composite
37.9
Agent
57.7
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 37.9/100 · thin
Contract Quality
13.5 / 25
Developer Ergonomics
3.5 / 20
Commercial Clarity
4.2 / 20
Operational Transparency
0.0 / 13
Governance
0.0 / 12
Discoverability
10.0 / 10
Regulatory · Banking & Open Finance
11.4 / 15
Agent readiness — 58/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract
15 / 15
MCP Server
0 / 12
Machine-Readable Auth
10 / 10
Idempotency
9 / 9
Stable Error Semantics
8 / 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
44
Paragon Bank Thin agent native Specialist & Mid-Tier Lender
'Paragon Bank PLC is a UK specialist lender and retail savings bank, the principal banking
Composite
37.8
Agent
74.0
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 37.8/100 · thin
Contract Quality
13.5 / 25
Developer Ergonomics
6.1 / 20
Commercial Clarity
4.2 / 20
Operational Transparency
0.0 / 13
Governance
0.0 / 12
Discoverability
8.8 / 10
Regulatory · Banking & Open Finance
10.1 / 15
Agent readiness — 74/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract
15 / 15
MCP Server
12 / 12
Machine-Readable Auth
10 / 10
Idempotency
9 / 9
Stable Error Semantics
8 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
5 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
45
Metro Bank Thin agent native High-Street & Retail
Metro Bank is a UK retail and commercial bank founded in 2010 as the first
Composite
36.9
Agent
74.0
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 36.9/100 · thin
Contract Quality
9.4 / 25
Developer Ergonomics
10.0 / 20
Commercial Clarity
2.1 / 20
Operational Transparency
0.0 / 13
Governance
0.0 / 12
Discoverability
10.0 / 10
Regulatory · Banking & Open Finance
10.1 / 15
Agent readiness — 74/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract
15 / 15
MCP Server
12 / 12
Machine-Readable Auth
10 / 10
Idempotency
9 / 9
Stable Error Semantics
8 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
5 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
46
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
36.6
Agent
18.3
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 36.6/100 · thin
Contract Quality
0.0 / 25
Developer Ergonomics
10.0 / 20
Commercial Clarity
8.4 / 20
Operational Transparency
3.1 / 13
Governance
0.0 / 12
Discoverability
10.0 / 10
Regulatory · Banking & Open Finance
9.8 / 15
Agent readiness — 18/100 · agent aware
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
MCP Server
0 / 12
Machine-Readable Auth
10 / 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
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
34.9
Agent
66.3
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 34.9/100 · thin
Contract Quality
13.5 / 25
Developer Ergonomics
4.8 / 20
Commercial Clarity
2.1 / 20
Operational Transparency
0.0 / 13
Governance
0.0 / 12
Discoverability
8.8 / 10
Regulatory · Banking & Open Finance
10.1 / 15
Agent readiness — 66/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract
15 / 15
MCP Server
0 / 12
Machine-Readable Auth
10 / 10
Idempotency
9 / 9
Stable Error Semantics
8 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
5 / 5
Well-Known Catalog
4 / 4
Consent & Bot Identity
0 / 3
48
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
31.9
Agent
30.8
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 31.9/100 · thin
Contract Quality
5.7 / 25
Developer Ergonomics
7.4 / 20
Commercial Clarity
5.8 / 20
Operational Transparency
3.4 / 13
Governance
0.0 / 12
Discoverability
8.8 / 10
Regulatory · Banking & Open Finance
5.6 / 15
Agent readiness — 31/100 · agent aware
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
MCP Server
0 / 12
Machine-Readable Auth
10 / 10
Idempotency
9 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
7 / 7
Typed Event Surface
6 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
49
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
31.3
Agent
38.5
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 31.3/100 · thin
Contract Quality
9.4 / 25
Developer Ergonomics
3.5 / 20
Commercial Clarity
4.2 / 20
Operational Transparency
1.4 / 13
Governance
0.0 / 12
Discoverability
8.8 / 10
Regulatory · Banking & Open Finance
8.1 / 15
Agent readiness — 39/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract
0 / 15
MCP Server
0 / 12
Machine-Readable Auth
10 / 10
Idempotency
0 / 9
Stable Error Semantics
8 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
4 / 4
Consent & Bot Identity
0 / 3
Emerging 9 15–29.9 More than an index entry but still mostly links rather than artifacts.
50
Principality Building Society Emerging 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
29.8
Agent
34.6
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 29.8/100 · emerging
Contract Quality
9.4 / 25
Developer Ergonomics
3.0 / 20
Commercial Clarity
4.2 / 20
Operational Transparency
0.0 / 13
Governance
0.0 / 12
Discoverability
8.8 / 10
Regulatory · Banking & Open Finance
8.1 / 15
Agent readiness — 35/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract
0 / 15
MCP Server
0 / 12
Machine-Readable Auth
10 / 10
Idempotency
0 / 9
Stable Error Semantics
8 / 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
51
Leeds Building Society Emerging 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
25.9
Agent
17.3
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 25.9/100 · emerging
Contract Quality
9.4 / 25
Developer Ergonomics
1.3 / 20
Commercial Clarity
4.2 / 20
Operational Transparency
1.4 / 13
Governance
0.0 / 12
Discoverability
8.8 / 10
Regulatory · Banking & Open Finance
4.6 / 15
Agent readiness — 17/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract
0 / 15
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
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
23.9
Agent
6.7
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 23.9/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
1.3 / 20
Commercial Clarity
8.9 / 20
Operational Transparency
3.4 / 13
Governance
0.0 / 12
Discoverability
6.8 / 10
Regulatory · Payments
6.5 / 15
Agent readiness — 7/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
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
4 / 4
Consent & Bot Identity
3 / 3
53
Redwood Bank Emerging human only SME & Business
Redwood Bank is a specialist UK challenger bank for small and medium-sized
Composite
22.6
Agent
13.5
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 22.6/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
3.5 / 20
Commercial Clarity
4.2 / 20
Operational Transparency
0.0 / 13
Governance
0.0 / 12
Discoverability
9.3 / 10
Regulatory · Banking & Open Finance
8.1 / 15
Agent readiness — 14/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
MCP Server
0 / 12
Machine-Readable Auth
10 / 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
4 / 4
Consent & Bot Identity
0 / 3
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
19.6
Agent
0.0
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 19.6/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
1.3 / 20
Commercial Clarity
8.9 / 20
Operational Transparency
0.7 / 13
Governance
0.0 / 12
Discoverability
6.8 / 10
Regulatory · Banking & Open Finance
4.6 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
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
55
Curve Emerging human only Challenger & Neobank
Curve is a London-based fintech, founded in 2015 by Shachar Bialick, that consolidates
Composite
18.5
Agent
0.0
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 18.5/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
1.3 / 20
Commercial Clarity
6.3 / 20
Operational Transparency
2.1 / 13
Governance
0.0 / 12
Discoverability
6.8 / 10
Regulatory · Banking & Open Finance
4.6 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
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
56
Monese Emerging human only Challenger & Neobank
'Monese is a London-founded fintech that provides mobile money accounts
Composite
18.5
Agent
0.0
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 18.5/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
1.3 / 20
Commercial Clarity
6.3 / 20
Operational Transparency
2.1 / 13
Governance
0.0 / 12
Discoverability
6.8 / 10
Regulatory · Banking & Open Finance
4.6 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
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
57
OakNorth Emerging human only SME & Business
'OakNorth is a UK-based commercial bank and business-lending institution
Composite
18.1
Agent
0.0
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 18.1/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
1.3 / 20
Commercial Clarity
4.2 / 20
Operational Transparency
1.4 / 13
Governance
0.0 / 12
Discoverability
6.8 / 10
Regulatory · Banking & Open Finance
6.5 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
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
58
Atom Bank Emerging human only Challenger & Neobank
'Atom Bank plc is a UK app-only digital bank headquartered in Newcastle upon Tyne, and the
Composite
15.6
Agent
0.0
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 15.6/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
1.3 / 20
Commercial Clarity
4.2 / 20
Operational Transparency
0.7 / 13
Governance
0.0 / 12
Discoverability
6.8 / 10
Regulatory · Banking & Open Finance
4.6 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
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
Minimal 2 0–14.9 Index entry only; little beyond a description and a link.
59
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
14.6
Agent
0.0
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 14.6/100 · minimal
Contract Quality
0.0 / 25
Developer Ergonomics
0.9 / 20
Commercial Clarity
4.2 / 20
Operational Transparency
0.0 / 13
Governance
0.0 / 12
Discoverability
6.8 / 10
Regulatory · Banking & Open Finance
4.6 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
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
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 pr...
Composite
12.8
Agent
0.0
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 12.8/100 · minimal
Contract Quality
0.0 / 25
Developer Ergonomics
1.7 / 20
Commercial Clarity
0.0 / 20
Operational Transparency
0.7 / 13
Governance
0.0 / 12
Discoverability
8.0 / 10
Regulatory · Banking & Open Finance
3.9 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
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