US 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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111 providers · 1 standards and regulatory body listed separately below
Exemplar 3 66.5+ Reference-quality API operations across every facet.
1
Highnote Exemplar agent ready Banking-as-a-Service
Highnote is a modern, unified embedded-finance and banking-as-a-service platform for card issuing, card acquiring, credit, and real-time money movement, with...
Composite
72.5
Agent
32.9
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 72.5/100 · exemplar
Contract Quality
16.8 / 25
Developer Ergonomics
14.9 / 20
Access Clarity
16.3 / 20
Operational Transparency
9.2 / 13
Contract Governance
2.2 / 12
Discoverability
7.6 / 10
Regulatory · Payments
10.3 / 15
Agent readiness — 33/100 · 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 bearer
3.5 / 10
Idempotency documented
4.5 / 9
Stable Error Semantics documented
4.0 / 8
Request/Response Examples
7.0 / 7
Rate-Limit Signaling documented
3.5 / 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
2
Unit Exemplar agent ready Banking-as-a-Service
Unit is a Banking-as-a-Service (BaaS) platform that lets companies embed deposit accounts, cards, payments, and lending into their own products without becom...
Composite
69.8
Agent
32.8
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 69.8/100 · exemplar
Contract Quality
14.3 / 25
Developer Ergonomics
14.6 / 20
Access Clarity
13.2 / 20
Operational Transparency
12.0 / 13
Contract Governance
2.2 / 12
Discoverability
5.7 / 10
Regulatory · Payments
12.7 / 15
Agent readiness — 33/100 · 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 documented
4.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling documented
3.5 / 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
3
Plaid Exemplar agent ready Aggregators & Open Finance
Plaid is a US financial-technology company and data-network aggregator that provides an API platform for businesses to securely connect with their users' ban...
Composite
68.4
Agent
37.2
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 68.4/100 · exemplar
Contract Quality
17.2 / 25
Developer Ergonomics
13.2 / 20
Access Clarity
13.9 / 20
Operational Transparency
7.5 / 13
Contract Governance
3.5 / 12
Discoverability
8.2 / 10
Regulatory · Banking & Open Finance
9.5 / 15
Agent readiness — 37/100 · 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 documented
4.5 / 9
Stable Error Semantics documented
4.0 / 8
Request/Response Examples
7.0 / 7
Rate-Limit Signaling documented
3.5 / 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
Strong 4 54.3 – 66.4 Solid contracts, transparent operations, and an easy start.
4
MX Strong agent ready Aggregators & Open Finance
MX Technologies is a privately held financial data platform headquartered in Lehi, Utah, operating as a B2B data aggregator and open-finance infrastructure p...
Composite
61.9
Agent
28.6
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 61.9/100 · strong
Contract Quality
16.0 / 25
Developer Ergonomics
10.6 / 20
Access Clarity
10.0 / 20
Operational Transparency
12.0 / 13
Contract Governance
2.2 / 12
Discoverability
6.1 / 10
Regulatory · Banking & Open Finance
9.7 / 15
Agent readiness — 29/100 · agent ready
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
0 / 9
Stable Error Semantics documented
4.0 / 8
Request/Response Examples partial
3.5 / 7
Rate-Limit Signaling documented
3.5 / 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
5
Dwolla Strong agent native Aggregators & Open Finance
Dwolla is a Des Moines-based fintech providing an account-to-account (A2A) payments platform that lets businesses programmatically move money across the U.S....
Composite
60.9
Agent
52.9
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 60.9/100 · strong
Contract Quality
16.5 / 25
Developer Ergonomics
14.4 / 20
Access Clarity
12.1 / 20
Operational Transparency
6.5 / 13
Contract Governance
2.2 / 12
Discoverability
8.2 / 10
Regulatory · Banking & Open Finance
5.7 / 15
Agent readiness — 53/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
6.0 / 6
MCP Server documented
4.8 / 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 documented
3.5 / 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
6
Cash App Strong agent native Digital & Neobank
Cash App is a consumer mobile-first financial services platform operated by Block, Inc. (formerly Square, Inc.), a publicly traded company. Cash App is not i...
Composite
57.4
Agent
47.6
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 57.4/100 · strong
Contract Quality
13.8 / 25
Developer Ergonomics
15.1 / 20
Access Clarity
6.8 / 20
Operational Transparency
7.9 / 13
Contract Governance
0.5 / 12
Discoverability
7.6 / 10
Regulatory · Payments
10.5 / 15
Agent readiness — 48/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility documented
2.4 / 6
MCP Server
12.0 / 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
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
7
Moov Strong agent aware Banking-as-a-Service
Moov is a financial infrastructure platform that enables developers to embed money movement capabilities directly into their applications. Their developer pl...
Composite
56.3
Agent
22.6
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 56.3/100 · strong
Contract Quality
19.8 / 25
Developer Ergonomics
10.0 / 20
Access Clarity
10.3 / 20
Operational Transparency
6.8 / 13
Contract Governance
1.6 / 12
Discoverability
6.7 / 10
Regulatory · Banking & Open Finance
5.7 / 15
Agent readiness — 23/100 · agent aware
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
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling documented
3.5 / 7
Typed Event Surface derived
1.5 / 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
Developing 19 39.3 – 54.2 Real signal across most facets with visible, nameable gaps.
8
Lithic Developing agent aware Banking-as-a-Service
Lithic is a card issuing and issuer-processor API platform for building virtual and physical card programs - authorization, clearing, KYC/KYB account holder ...
Composite
53.9
Agent
25.0
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 53.9/100 · developing
Contract Quality
15.4 / 25
Developer Ergonomics
6.7 / 20
Access Clarity
13.7 / 20
Operational Transparency
7.5 / 13
Contract Governance
1.2 / 12
Discoverability
7.0 / 10
Regulatory · Payments
7.3 / 15
Agent readiness — 25/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility documented
2.4 / 6
MCP Server documented
4.8 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling documented
3.5 / 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
9
Akoya Developing agent aware Aggregators & Open Finance
Akoya operates a tokenized, consumer-permissioned data-access network for US open finance, reaching 4,500+ financial institutions and powering 7,500+ apps an...
Composite
53.5
Agent
25.2
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 53.5/100 · developing
Contract Quality
10.4 / 25
Developer Ergonomics
12.9 / 20
Access Clarity
13.4 / 20
Operational Transparency
5.5 / 13
Contract Governance
2.2 / 12
Discoverability
8.2 / 10
Regulatory · Banking & Open Finance
5.7 / 15
Agent readiness — 25/100 · 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
0 / 9
Stable Error Semantics documented
4.0 / 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
10
Bond Developing agent aware Banking-as-a-Service
Bond Financial Technologies is an enterprise-grade banking-as-a-service (BaaS) and embedded finance platform that lets software companies and fintechs embed ...
Composite
51.0
Agent
22.7
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 51.0/100 · developing
Contract Quality
10.4 / 25
Developer Ergonomics
12.9 / 20
Access Clarity
10.0 / 20
Operational Transparency
3.4 / 13
Contract Governance
2.2 / 12
Discoverability
8.2 / 10
Regulatory · Payments
8.9 / 15
Agent readiness — 23/100 · 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
0 / 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
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
11
Finicity Developing agent aware Aggregators & Open Finance
Finicity, LLC is a Utah-based financial-data aggregator and open-finance technology provider acquired by Mastercard in 2020 and now operating as Mastercard O...
Composite
50.4
Agent
23.6
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 50.4/100 · developing
Contract Quality
16.4 / 25
Developer Ergonomics
15.1 / 20
Access Clarity
2.6 / 20
Operational Transparency
6.5 / 13
Contract Governance
0.5 / 12
Discoverability
7.6 / 10
Regulatory · Banking & Open Finance
6.3 / 15
Agent readiness — 24/100 · 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
0 / 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
12
Marqeta Developing agent ready Banking-as-a-Service
Marqeta is a modern card-issuing and embedded-finance platform. The Core API is a large RESTful surface covering cards, users, businesses, GPA orders, KYC/KY...
Composite
49.4
Agent
33.5
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 49.4/100 · developing
Contract Quality
18.2 / 25
Developer Ergonomics
4.8 / 20
Access Clarity
8.4 / 20
Operational Transparency
6.5 / 13
Contract Governance
1.6 / 12
Discoverability
6.3 / 10
Regulatory · Payments
8.4 / 15
Agent readiness — 34/100 · 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
0 / 9
Stable Error Semantics
8.0 / 8
Request/Response Examples partial
3.5 / 7
Rate-Limit Signaling documented
3.5 / 7
Typed Event Surface derived
1.5 / 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
13
TD Bank Developing agent aware Super-Regional
TD Bank, N.A. (America's Most Convenient Bank) is the U.S. retail and commercial subsidiary of Toronto-Dominion Bank, serving more than 10 million customers ...
Composite
48.4
Agent
24.8
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 48.4/100 · developing
Contract Quality
12.6 / 25
Developer Ergonomics
6.2 / 20
Access Clarity
10.0 / 20
Operational Transparency
6.2 / 13
Contract Governance
3.5 / 12
Discoverability
7.4 / 10
Regulatory · Banking & Open Finance
7.2 / 15
Agent readiness — 25/100 · agent aware
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
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling documented
3.5 / 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
14
SoFi Developing agent aware Digital & Neobank
SoFi (Social Finance) is a digital personal finance company and federally chartered bank offering an integrated suite of financial products including banking...
Composite
47.0
Agent
23.6
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 47.0/100 · developing
Contract Quality
14.0 / 25
Developer Ergonomics
8.9 / 20
Access Clarity
12.1 / 20
Operational Transparency
4.8 / 13
Contract Governance
0.5 / 12
Discoverability
6.7 / 10
Regulatory · Banking & Open Finance
4.7 / 15
Agent readiness — 24/100 · agent aware
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
0 / 9
Stable Error Semantics documented
4.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling documented
3.5 / 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
15
Synchrony Financial Developing agent aware Super-Regional
Synchrony Financial is one of the nation's premier consumer financial services companies, providing a range of credit products through programs established w...
Composite
45.7
Agent
21.5
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 45.7/100 · developing
Contract Quality
15.7 / 25
Developer Ergonomics
9.0 / 20
Access Clarity
6.8 / 20
Operational Transparency
2.1 / 13
Contract Governance
3.5 / 12
Discoverability
6.3 / 10
Regulatory · Payments
7.3 / 15
Agent readiness — 22/100 · agent aware
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
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling documented
3.5 / 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
16
Charles Schwab Developing agent aware Super-Regional
Charles Schwab is a financial services company providing brokerage, banking, asset management, and financial advisory services to individual investors and in...
Composite
45.1
Agent
26.5
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 45.1/100 · developing
Contract Quality
14.8 / 25
Developer Ergonomics
9.5 / 20
Access Clarity
7.4 / 20
Operational Transparency
1.0 / 13
Contract Governance
1.2 / 12
Discoverability
7.6 / 10
Regulatory · Banking & Open Finance
8.4 / 15
Agent readiness — 27/100 · agent aware
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 negotiable
7.5 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling documented
3.5 / 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
17
BMO Developing agent ready Super-Regional
BMO Bank N.A. is the U.S. banking subsidiary of Canada's Bank of Montreal (BMO Financial Group), a nationally chartered commercial bank supervised by the Off...
Composite
44.7
Agent
31.4
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 44.7/100 · developing
Contract Quality
15.8 / 25
Developer Ergonomics
10.8 / 20
Access Clarity
4.7 / 20
Operational Transparency
1.0 / 13
Contract Governance
0.5 / 12
Discoverability
5.7 / 10
Regulatory · Banking & Open Finance
10.6 / 15
Agent readiness — 31/100 · 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
0 / 9
Stable Error Semantics
8.0 / 8
Request/Response Examples partial
3.5 / 7
Rate-Limit Signaling
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
18
KeyCorp Developing agent native Super-Regional
KeyCorp (KeyBank) is one of the nation's largest bank-based financial services companies and a super-regional commercial bank headquartered in Cleveland, Ohi...
Composite
44.7
Agent
40.1
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 44.7/100 · developing
Contract Quality
17.1 / 25
Developer Ergonomics
9.4 / 20
Access Clarity
7.4 / 20
Operational Transparency
1.7 / 13
Contract Governance
0.5 / 12
Discoverability
8.2 / 10
Regulatory · Banking & Open Finance
5.1 / 15
Agent readiness — 40/100 · agent native
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 documented
4.5 / 9
Stable Error Semantics
8.0 / 8
Request/Response Examples
7.0 / 7
Rate-Limit Signaling documented
3.5 / 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
19
Chime Developing agent aware Digital & Neobank
Chime is a neobank and fintech platform offering fee-free checking and savings accounts, early paycheck access, credit building, and peer-to-peer payment fea...
Composite
44.6
Agent
25.5
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 44.6/100 · developing
Contract Quality
16.4 / 25
Developer Ergonomics
5.7 / 20
Access Clarity
10.0 / 20
Operational Transparency
4.8 / 13
Contract Governance
1.2 / 12
Discoverability
6.9 / 10
Regulatory · Banking & Open Finance
4.4 / 15
Agent readiness — 26/100 · agent aware
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
0 / 9
Stable Error Semantics
8.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling documented
3.5 / 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
20
Capital One Developing agent aware Money-Center & Custody
Capital One is a US money-center bank and financial services company offering credit cards, checking and savings accounts, loans, and auto financing. Through...
Composite
44.4
Agent
18.0
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 44.4/100 · developing
Contract Quality
9.3 / 25
Developer Ergonomics
11.4 / 20
Access Clarity
8.2 / 20
Operational Transparency
2.4 / 13
Contract Governance
2.2 / 12
Discoverability
8.2 / 10
Regulatory · Banking & Open Finance
7.4 / 15
Agent readiness — 18/100 · 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
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling documented
3.5 / 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
22
Bank of America Developing agent ready Money-Center & Custody
Bank of America is a multinational investment bank and financial services holding company providing consumer banking, wealth management, corporate banking, a...
Composite
42.5
Agent
30.1
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 42.5/100 · developing
Contract Quality
16.7 / 25
Developer Ergonomics
3.8 / 20
Access Clarity
7.4 / 20
Operational Transparency
1.0 / 13
Contract Governance
3.5 / 12
Discoverability
6.9 / 10
Regulatory · Banking & Open Finance
8.0 / 15
Agent readiness — 30/100 · 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 negotiable
7.5 / 10
Idempotency
0 / 9
Stable Error Semantics
8.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling documented
3.5 / 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
23
Varo Bank Developing agent aware Digital & Neobank
Varo Bank is a mobile-first, FDIC-chartered digital bank offering fee-free checking and high-yield savings accounts, early direct deposit, instant cash advan...
Composite
41.8
Agent
15.5
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 41.8/100 · developing
Contract Quality
10.4 / 25
Developer Ergonomics
3.3 / 20
Access Clarity
14.2 / 20
Operational Transparency
7.2 / 13
Contract Governance
0.0 / 12
Discoverability
7.6 / 10
Regulatory · Banking & Open Finance
3.8 / 15
Agent readiness — 16/100 · agent aware
Machine-Readable Contract
18 / 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 documented
3.5 / 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
24
Citizens Financial Developing agent ready Super-Regional
Citizens Financial Group is one of the oldest and largest financial institutions in the United States, providing retail and commercial banking products and s...
Composite
41.7
Agent
28.7
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 41.7/100 · developing
Contract Quality
15.7 / 25
Developer Ergonomics
8.6 / 20
Access Clarity
2.6 / 20
Operational Transparency
0.7 / 13
Contract Governance
5.5 / 12
Discoverability
6.9 / 10
Regulatory · Banking & Open Finance
6.5 / 15
Agent readiness — 29/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
6 / 6
MCP Server
0 / 12
Machine-Readable Auth negotiable
7.5 / 10
Idempotency
9 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling documented
3.5 / 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 documented
3.0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
25
Customers Bank Developing agent native Regional
Customers Bank is a Pennsylvania state-chartered, FDIC-insured full-service commercial bank and the principal subsidiary of Customers Bancorp, Inc. (NYSE CUB...
Composite
41.6
Agent
50.1
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 41.6/100 · developing
Contract Quality
15.1 / 25
Developer Ergonomics
8.0 / 20
Access Clarity
4.2 / 20
Operational Transparency
3.4 / 13
Contract Governance
0.5 / 12
Discoverability
7.6 / 10
Regulatory · Banking & Open Finance
7.4 / 15
Agent readiness — 50/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility documented
2.4 / 6
MCP Server
12.0 / 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
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
26
Increase Developing agent ready Banking-as-a-Service
Increase is a banking and payments API providing direct ACH, wire, RTP, FedNow, check, and card programs. Bank-direct connectivity (no aggregator middle layer).
Composite
41.0
Agent
33.5
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 41.0/100 · developing
Contract Quality
13.2 / 25
Developer Ergonomics
7.6 / 20
Access Clarity
8.4 / 20
Operational Transparency
4.4 / 13
Contract Governance
0.0 / 12
Discoverability
6.1 / 10
Regulatory · Banking & Open Finance
5.9 / 15
Agent readiness — 34/100 · 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
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
7.0 / 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
27
Fifth Third Bancorp Developing agent ready Super-Regional
Fifth Third Bancorp is a diversified super-regional financial services company providing commercial banking, branch banking, consumer lending, and wealth and...
Composite
40.4
Agent
43.7
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 40.4/100 · developing
Contract Quality
15.3 / 25
Developer Ergonomics
12.4 / 20
Access Clarity
1.1 / 20
Operational Transparency
5.5 / 13
Contract Governance
0.5 / 12
Discoverability
6.1 / 10
Regulatory · Payments
4.5 / 15
Agent readiness — 44/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
6.0 / 6
MCP Server documented
4.8 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
0 / 9
Stable Error Semantics
8.0 / 8
Request/Response Examples
7.0 / 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
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
Thin 22 26.2 – 39.2 Limited machine-readable signal beyond documentation a human can read.
28
Wells Fargo Thin agent aware Money-Center & Custody
Wells Fargo is a diversified, community-based financial services company providing banking, investment, mortgage, and consumer and commercial finance through...
Composite
38.9
Agent
25.6
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 38.9/100 · thin
Contract Quality
18.6 / 25
Developer Ergonomics
3.3 / 20
Access Clarity
6.1 / 20
Operational Transparency
1.4 / 13
Contract Governance
3.5 / 12
Discoverability
6.1 / 10
Agent readiness — 26/100 · agent aware
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 negotiable
7.5 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples documented
1.8 / 7
Rate-Limit Signaling documented
3.5 / 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
29
Column Thin agent aware Banking-as-a-Service
Column is a chartered nationally-regulated bank purpose-built for developer APIs. Offers ACH, wires, FedNow, checks, BIN sponsorship, and bank-direct ledgering.
Composite
38.6
Agent
25.8
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 38.6/100 · thin
Contract Quality
14.6 / 25
Developer Ergonomics
10.0 / 20
Access Clarity
3.9 / 20
Operational Transparency
5.8 / 13
Contract Governance
0.0 / 12
Discoverability
6.7 / 10
Regulatory · Banking & Open Finance
2.3 / 15
Agent readiness — 26/100 · agent aware
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
0 / 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
30
Chase Thin agent aware Money-Center & Custody
JPMorgan Chase Bank, N.A. is a leading US financial institution providing consumer and commercial banking, credit cards, mortgages, and merchant services. Th...
Composite
38.5
Agent
26.5
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 38.5/100 · thin
Contract Quality
12.6 / 25
Developer Ergonomics
6.2 / 20
Access Clarity
6.8 / 20
Operational Transparency
1.0 / 13
Contract Governance
1.2 / 12
Discoverability
7.4 / 10
Regulatory · Banking & Open Finance
8.0 / 15
Agent readiness — 27/100 · agent aware
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 negotiable
7.5 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling documented
3.5 / 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
31
State Street Thin agent ready Money-Center & Custody
State Street Corporation is one of the world's largest financial services companies, headquartered in Boston, Massachusetts. Founded in 1792, State Street pr...
Composite
38.3
Agent
32.7
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 38.3/100 · thin
Contract Quality
15.8 / 25
Developer Ergonomics
10.0 / 20
Access Clarity
2.6 / 20
Operational Transparency
1.0 / 13
Contract Governance
3.5 / 12
Discoverability
5.4 / 10
Agent readiness — 33/100 · 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 negotiable
7.5 / 10
Idempotency
0 / 9
Stable Error Semantics
8.0 / 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
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
32
Treasury Prime Thin agent aware Banking-as-a-Service
Treasury Prime is an embedded banking platform connecting fintechs and enterprises to a network of partner banks. Provides REST APIs for persons, businesses,...
Composite
37.6
Agent
19.8
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 37.6/100 · thin
Contract Quality
12.3 / 25
Developer Ergonomics
8.1 / 20
Access Clarity
6.8 / 20
Operational Transparency
3.8 / 13
Contract Governance
0.0 / 12
Discoverability
6.9 / 10
Regulatory · Payments
4.7 / 15
Agent readiness — 20/100 · agent aware
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
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling documented
3.5 / 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
33
Goldman Sachs Thin agent aware Money-Center & Custody
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
34
Synapse Thin agent aware Banking-as-a-Service
Synapse is the reference Matrix homeserver implementation maintained by Element (formerly by the Matrix.org Foundation). Written in Python and Rust, it imple...
Composite
36.6
Agent
19.8
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 36.6/100 · thin
Contract Quality
14.6 / 25
Developer Ergonomics
7.1 / 20
Access Clarity
2.6 / 20
Operational Transparency
3.8 / 13
Contract Governance
1.6 / 12
Discoverability
6.9 / 10
Agent readiness — 20/100 · agent aware
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
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling documented
3.5 / 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
35
Green Dot Corporation Thin agent ready Digital & Neobank
Green Dot Corporation (NYSE: GDOT) is a US fintech and bank holding company whose subsidiary Green Dot Bank is a chartered, FDIC-insured member bank. Its Gre...
Composite
36.5
Agent
29.3
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 36.5/100 · thin
Contract Quality
10.4 / 25
Developer Ergonomics
2.3 / 20
Access Clarity
6.1 / 20
Operational Transparency
4.1 / 13
Contract Governance
2.2 / 12
Discoverability
7.2 / 10
Regulatory · Payments
9.1 / 15
Agent readiness — 29/100 · agent ready
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 documented
3.5 / 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
36
First Citizens BancShares Thin agent aware Super-Regional
First Citizens BancShares is a super-regional financial holding company (parent of First-Citizens Bank & Trust) providing general banking, trust, investment,...
Composite
35.2
Agent
22.7
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 35.2/100 · thin
Contract Quality
10.4 / 25
Developer Ergonomics
4.3 / 20
Access Clarity
6.8 / 20
Operational Transparency
3.8 / 13
Contract Governance
0.5 / 12
Discoverability
8.2 / 10
Regulatory · Banking & Open Finance
5.9 / 15
Agent readiness — 23/100 · 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
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
6 / 6
Agent Skills
0 / 5
Well-Known Catalog
4 / 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
37
Mercury Thin agent aware Digital & Neobank
Mercury is a banking platform built for startups and tech companies, offering checking, savings, treasury, and corporate-card services. The Mercury REST API ...
Composite
35.2
Agent
22.6
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 35.2/100 · thin
Contract Quality
15.8 / 25
Developer Ergonomics
6.0 / 20
Access Clarity
3.2 / 20
Operational Transparency
3.4 / 13
Contract Governance
1.6 / 12
Discoverability
7.6 / 10
Regulatory · Banking & Open Finance
2.3 / 15
Agent readiness — 23/100 · agent aware
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
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling documented
3.5 / 7
Typed Event Surface derived
1.5 / 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
38
US Bancorp Thin agent ready Money-Center & Custody
U.S. Bancorp is the parent company of U.S. Bank National Association, one of the largest commercial banks in the United States. U.S. Bank provides a develope...
Composite
32.9
Agent
30.6
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 32.9/100 · thin
Contract Quality
17.0 / 25
Developer Ergonomics
2.4 / 20
Access Clarity
2.6 / 20
Operational Transparency
1.0 / 13
Contract Governance
1.6 / 12
Discoverability
6.5 / 10
Regulatory · Banking & Open Finance
6.5 / 15
Agent readiness — 31/100 · 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
0 / 9
Stable Error Semantics
8.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling documented
3.5 / 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
39
Yodlee Thin agent aware Aggregators & Open Finance
Yodlee (Envestnet | Yodlee) is a financial data aggregation platform providing unified API access to bank accounts, credit card transactions, investments, lo...
Composite
32.8
Agent
23.0
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 32.8/100 · thin
Contract Quality
14.6 / 25
Developer Ergonomics
5.7 / 20
Access Clarity
7.4 / 20
Operational Transparency
1.0 / 13
Contract Governance
0.0 / 12
Discoverability
5.9 / 10
Regulatory · Banking & Open Finance
2.9 / 15
Agent readiness — 23/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth
0 / 10
Idempotency
0 / 9
Stable Error Semantics
8.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling documented
3.5 / 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
Regions Financial Corporation Thin agent aware Super-Regional
Regions Financial Corporation is a member of the S&P 500 Index and one of the nation's largest full-service providers of consumer and commercial banking, wea...
Composite
32.5
Agent
24.8
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 32.5/100 · thin
Contract Quality
14.5 / 25
Developer Ergonomics
2.4 / 20
Access Clarity
2.6 / 20
Operational Transparency
0.7 / 13
Contract Governance
3.5 / 12
Discoverability
6.3 / 10
Regulatory · Banking & Open Finance
7.2 / 15
Agent readiness — 25/100 · agent aware
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
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling documented
3.5 / 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
Huntington Bancshares Thin agent aware Super-Regional
Huntington Bancshares is a regional bank holding company that provides full-service consumer and business banking, insurance, investment, mortgage, equipment...
Composite
32.2
Agent
22.7
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 32.2/100 · thin
Contract Quality
14.1 / 25
Developer Ergonomics
4.3 / 20
Access Clarity
4.7 / 20
Operational Transparency
0.7 / 13
Contract Governance
0.0 / 12
Discoverability
6.9 / 10
Regulatory · Banking & Open Finance
6.3 / 15
Agent readiness — 23/100 · agent aware
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
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling documented
3.5 / 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
42
Envestnet Thin agent aware Aggregators & Open Finance
Envestnet is an ever-evolving network of data-driven services, products, tools, and technologies designed to enable the Intelligent Financial Life. Our robus...
Composite
31.2
Agent
25.5
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 31.2/100 · thin
Contract Quality
13.1 / 25
Developer Ergonomics
2.4 / 20
Access Clarity
6.8 / 20
Operational Transparency
3.1 / 13
Contract Governance
1.2 / 12
Discoverability
5.6 / 10
Regulatory · Banking & Open Finance
3.8 / 15
Agent readiness — 26/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth
0 / 10
Idempotency
0 / 9
Stable Error Semantics
8.0 / 8
Request/Response Examples partial
3.5 / 7
Rate-Limit Signaling documented
3.5 / 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
43
Navy Federal Credit Union Thin human only Credit Union
Navy Federal Credit Union is a federally chartered credit union headquartered in Vienna, Virginia, and the largest credit union in the world by both assets a...
Composite
30.3
Agent
2.5
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 30.3/100 · thin
Contract Quality
0.0 / 25
Developer Ergonomics
9.0 / 20
Access Clarity
6.8 / 20
Operational Transparency
1.4 / 13
Contract Governance
2.2 / 12
Discoverability
7.2 / 10
Regulatory · Banking & Open Finance
8.4 / 15
Agent readiness — 3/100 · human only
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
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
44
Citigroup Thin agent aware Money-Center & Custody
Citigroup (Citi) is a global, diversified money-center financial services holding company headquartered in New York City, serving consumers, corporations, go...
Composite
30.0
Agent
7.9
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 30.0/100 · thin
Contract Quality
2.7 / 25
Developer Ergonomics
6.7 / 20
Access Clarity
2.6 / 20
Operational Transparency
1.0 / 13
Contract Governance
7.6 / 12
Discoverability
8.3 / 10
Regulatory · Banking & Open Finance
5.7 / 15
Agent readiness — 8/100 · 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
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling documented
3.5 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
4 / 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
45
Morgan Stanley Thin agent aware Money-Center & Custody
Morgan Stanley is a global financial services firm that offers a wide range of services to individuals, corporations, and governments. The firm is known for ...
Composite
29.3
Agent
11.2
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 29.3/100 · thin
Contract Quality
0.0 / 25
Developer Ergonomics
10.5 / 20
Access Clarity
4.7 / 20
Operational Transparency
1.7 / 13
Contract Governance
2.2 / 12
Discoverability
7.2 / 10
Regulatory · Securities & Market Data
8.3 / 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 bearer
3.5 / 10
Idempotency documented
4.5 / 9
Stable Error Semantics documented
4.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling documented
3.5 / 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
46
Western Alliance Bank Thin agent aware Super-Regional
Western Alliance Bancorporation (NYSE: WAL) is a Phoenix, Arizona based super-regional bank holding company with roughly $80 billion in assets, operating thr...
Composite
27.7
Agent
10.8
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 27.7/100 · thin
Contract Quality
0.0 / 25
Developer Ergonomics
10.5 / 20
Access Clarity
6.8 / 20
Operational Transparency
0.3 / 13
Contract Governance
2.2 / 12
Discoverability
6.7 / 10
Regulatory · Banking & Open Finance
5.9 / 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
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
6 / 6
Agentic Commerce Well-Known Document
0 / 5
47
Northern Trust Thin agent ready Money-Center & Custody
Northern Trust is a Fortune 500 global financial services firm providing asset servicing, asset management, wealth management, and banking to corporations, i...
Composite
27.6
Agent
32.4
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 27.6/100 · thin
Contract Quality
10.4 / 25
Developer Ergonomics
2.6 / 20
Access Clarity
0.0 / 20
Operational Transparency
1.4 / 13
Contract Governance
2.2 / 12
Discoverability
8.2 / 10
Regulatory · Banking & Open Finance
7.6 / 15
Agent readiness — 32/100 · agent ready
Machine-Readable Contract
18 / 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
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
6.0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
6 / 6
Agentic Commerce Well-Known Document
0 / 5
48
East West Bank Thin human only Regional
East West Bank is the California state-chartered commercial banking subsidiary of East West Bancorp, Inc. (NASDAQ EWBC), headquartered in Pasadena, Californi...
Composite
27.2
Agent
2.5
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 27.2/100 · thin
Contract Quality
0.0 / 25
Developer Ergonomics
12.4 / 20
Access Clarity
5.5 / 20
Operational Transparency
0.3 / 13
Contract Governance
2.2 / 12
Discoverability
6.7 / 10
Regulatory · Banking & Open Finance
4.7 / 15
Agent readiness — 3/100 · human only
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
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
49
BankUnited Thin agent aware Regional
BankUnited, N.A. is a national bank (OCC-chartered National Association) and the principal subsidiary of BankUnited, Inc. (NYSE: BKU), a bank holding company...
Composite
26.2
Agent
10.8
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 26.2/100 · thin
Contract Quality
0.0 / 25
Developer Ergonomics
4.8 / 20
Access Clarity
5.5 / 20
Operational Transparency
1.7 / 13
Contract Governance
2.2 / 12
Discoverability
7.6 / 10
Regulatory · Banking & Open Finance
9.1 / 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
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
6 / 6
Agentic Commerce Well-Known Document
0 / 5
Emerging 27 11 – 26.1 More than an index entry but still mostly links rather than artifacts.
50
Bluevine Emerging human only Digital & Neobank
Bluevine is a small business banking and lending platform offering business checking accounts, lines of credit, bill pay, invoicing, and cash flow management...
Composite
25.1
Agent
2.5
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 25.1/100 · emerging
Contract Quality
1.7 / 25
Developer Ergonomics
5.7 / 20
Access Clarity
13.4 / 20
Operational Transparency
0.3 / 13
Contract Governance
0.0 / 12
Discoverability
5.7 / 10
Regulatory · Banking & Open Finance
2.9 / 15
Agent readiness — 3/100 · 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 documented
3.5 / 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
51
Discover Financial Services Emerging human only Super-Regional
Discover Financial Services is a US direct bank and payments company that owns the Discover Network, the PULSE debit network, and Diners Club International. ...
Composite
22.3
Agent
0.0
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 22.3/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
4.3 / 20
Access Clarity
6.8 / 20
Operational Transparency
1.7 / 13
Contract Governance
2.2 / 12
Discoverability
7.2 / 10
Regulatory · Banking & Open Finance
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
52
American Express Emerging human only Super-Regional
American Express is a globally integrated payments company and card network that offers charge and credit cards, merchant acquiring, corporate payments, trav...
Composite
21.1
Agent
5.0
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 21.1/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
2.9 / 20
Access Clarity
7.4 / 20
Operational Transparency
1.0 / 13
Contract Governance
2.2 / 12
Discoverability
7.2 / 10
Regulatory · Banking & Open Finance
5.1 / 15
Agent readiness — 5/100 · human only
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
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling documented
3.5 / 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
Axos Bank Emerging human only Regional
Axos Bank is a branchless, digital-first federal savings bank chartered and regulated by the U.S. Office of the Comptroller of the Currency (OCC) and a membe...
Composite
20.9
Agent
2.5
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 20.9/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
9.0 / 20
Access Clarity
5.5 / 20
Operational Transparency
0.0 / 13
Contract Governance
0.0 / 12
Discoverability
7.2 / 10
Regulatory · Banking & Open Finance
3.8 / 15
Agent readiness — 3/100 · human only
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
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
54
BNY Mellon Emerging human only Money-Center & Custody
BNY Mellon (legal parent The Bank of New York Mellon Corporation, rebranded to "BNY" in 2024) is a US money-center bank and the world's largest custodian, ov...
Composite
20.5
Agent
0.0
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 20.5/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
7.6 / 20
Access Clarity
7.1 / 20
Operational Transparency
0.3 / 13
Contract Governance
0.0 / 12
Discoverability
6.5 / 10
Regulatory · Banking & Open Finance
3.6 / 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
USAA Emerging human only Super-Regional
USAA (United Services Automobile Association) is a Fortune 100 financial services group offering banking, investing, and insurance products exclusively to pe...
Composite
18.9
Agent
5.0
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 18.9/100 · emerging
Contract Quality
2.7 / 25
Developer Ergonomics
2.4 / 20
Access Clarity
2.6 / 20
Operational Transparency
2.4 / 13
Contract Governance
3.4 / 12
Discoverability
5.7 / 10
Regulatory · Banking & Open Finance
4.4 / 15
Agent readiness — 5/100 · human only
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
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling documented
3.5 / 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
Ally Financial Emerging agent aware Super-Regional
Ally Financial (NYSE: ALLY) is a US super-regional, all-digital bank holding company and one of the country's largest auto finance providers, offering online...
Composite
18.8
Agent
12.9
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 18.8/100 · emerging
Contract Quality
10.4 / 25
Developer Ergonomics
2.9 / 20
Access Clarity
2.1 / 20
Operational Transparency
0.3 / 13
Contract Governance
0.0 / 12
Discoverability
5.9 / 10
Regulatory · Banking & Open Finance
1.9 / 15
Agent readiness — 13/100 · agent aware
Machine-Readable Contract
18 / 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
HSBC USA Emerging human only Super-Regional
HSBC USA is the United States arm of HSBC Holdings plc, operating principally through HSBC Bank USA, N.A., a nationally chartered bank supervised by the Offi...
Composite
16.7
Agent
0.0
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 16.7/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
5.2 / 20
Access Clarity
4.7 / 20
Operational Transparency
1.7 / 13
Contract Governance
0.0 / 12
Discoverability
6.7 / 10
Regulatory · Banking & Open Finance
3.0 / 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
58
UMB Bank Emerging human only Regional
UMB Bank, National Association is the primary banking subsidiary of UMB Financial Corporation (Nasdaq ticker UMBF), a Kansas City, Missouri financial service...
Composite
15.9
Agent
0.0
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 15.9/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
5.7 / 20
Access Clarity
5.5 / 20
Operational Transparency
0.0 / 13
Contract Governance
0.0 / 12
Discoverability
6.7 / 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
59
Truist Emerging human only Money-Center & Custody
Truist Financial Corporation is a U.S. bank holding company headquartered in Charlotte, North Carolina, formed in December 2019 through the merger of BB&T an...
Composite
15.2
Agent
0.0
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 15.2/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
1.9 / 20
Access Clarity
5.5 / 20
Operational Transparency
0.0 / 13
Contract Governance
2.2 / 12
Discoverability
6.7 / 10
Regulatory · Banking & Open Finance
3.6 / 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
Dave Emerging human only Digital & Neobank
Dave is a U.S. consumer financial-technology company (Nasdaq: DAVE), founded in 2016 and headquartered in Los Angeles, that operates a mobile banking app ser...
Composite
13.7
Agent
0.0
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 13.7/100 · 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
5.0 / 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
61
EverBank Emerging human only Regional
EverBank, N.A. is a Jacksonville, Florida based national bank (Member FDIC) focused on high-yield consumer deposits, business and treasury banking, and comme...
Composite
13.3
Agent
0.0
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 13.3/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
1.4 / 20
Access Clarity
7.9 / 20
Operational Transparency
1.4 / 13
Contract Governance
0.0 / 12
Discoverability
5.0 / 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
62
City National Bank Emerging human only Super-Regional
City National Bank is a national bank chartered in the United States and a wholly owned subsidiary of Royal Bank of Canada (RBC) since 2015, headquartered in...
Composite
13.2
Agent
0.0
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 13.2/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
1.4 / 20
Access Clarity
5.5 / 20
Operational Transparency
1.4 / 13
Contract Governance
0.0 / 12
Discoverability
5.7 / 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
63
F.N.B. Corporation Emerging human only Regional
F.N.B. Corporation (NYSE: FNB) is a diversified financial services holding company headquartered in Pittsburgh, Pennsylvania, and the parent of First Nationa...
Composite
13.0
Agent
0.0
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 13.0/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
2.9 / 20
Access Clarity
5.5 / 20
Operational Transparency
0.0 / 13
Contract Governance
0.0 / 12
Discoverability
6.7 / 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
64
Raymond James Bank Emerging human only Regional
Raymond James Bank is a Florida-chartered state member bank headquartered in St. Petersburg, Florida, and a wholly owned subsidiary of Raymond James Financia...
Composite
12.8
Agent
0.0
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 12.8/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
3.3 / 20
Access Clarity
5.5 / 20
Operational Transparency
0.0 / 13
Contract Governance
0.0 / 12
Discoverability
5.9 / 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
65
Commerce Bank Emerging human only Regional
Commerce Bank is the principal banking subsidiary of Commerce Bancshares, Inc. (NASDAQ CBSH), a Missouri-based regional bank holding company with roughly $32...
Composite
12.6
Agent
0.0
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 12.6/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
5.2 / 20
Access Clarity
3.4 / 20
Operational Transparency
0.0 / 13
Contract Governance
0.0 / 12
Discoverability
6.7 / 10
Regulatory · Banking & Open Finance
1.9 / 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
66
UBS Bank USA Emerging human only Super-Regional
UBS Bank USA (BUSA) is a Utah state-chartered industrial bank and FDIC-insured depository institution headquartered in Salt Lake City, Utah, established in 2...
Composite
12.6
Agent
0.0
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 12.6/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
5.2 / 20
Access Clarity
2.6 / 20
Operational Transparency
1.4 / 13
Contract Governance
0.0 / 12
Discoverability
5.7 / 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
67
America First Credit Union Emerging human only Credit Union
America First Credit Union is a federally chartered, NCUA-insured credit union headquartered in Riverdale, Utah, founded in 1939. With roughly $19 billion in...
Composite
12.5
Agent
0.0
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 12.5/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
1.4 / 20
Access Clarity
5.8 / 20
Operational Transparency
1.4 / 13
Contract Governance
0.0 / 12
Discoverability
5.0 / 10
Regulatory · Banking & Open Finance
3.6 / 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
68
Bank of Hawaii Emerging human only Regional
Bank of Hawaii is a state-chartered commercial bank organized under the laws of the State of Hawaii in 1897, a member of the Federal Reserve System and FDIC-...
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
3.3 / 20
Access Clarity
5.5 / 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
69
First Hawaiian Bank Emerging human only Regional
First Hawaiian Bank is Hawaii's oldest and largest financial institution, founded in 1858 and headquartered at First Hawaiian Center in Honolulu. It is a Haw...
Composite
11.7
Agent
0.0
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 11.7/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
2.9 / 20
Access Clarity
4.2 / 20
Operational Transparency
0.0 / 13
Contract Governance
0.0 / 12
Discoverability
6.7 / 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
70
Current Emerging human only Digital & Neobank
Current (Finco Services, Inc.) is a New York City-based U.S. financial technology company operating a mobile-first consumer banking platform serving over six...
Composite
11.5
Agent
0.0
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 11.5/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
3.3 / 20
Access Clarity
4.2 / 20
Operational Transparency
0.0 / 13
Contract Governance
0.0 / 12
Discoverability
5.9 / 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
71
Wintrust Financial Emerging human only Regional
Wintrust Financial Corporation is a Rosemont, Illinois-based financial holding company operating a network of chartered community banks (Wintrust Bank, N.A. ...
Composite
11.5
Agent
2.5
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 11.5/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
2.1 / 20
Access Clarity
3.7 / 20
Operational Transparency
0.7 / 13
Contract Governance
0.5 / 12
Discoverability
6.7 / 10
Regulatory · Banking & Open Finance
2.5 / 15
Agent readiness — 3/100 · 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 documented
3.5 / 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
72
Associated Bank Emerging human only Regional
Associated Bank, N.A. is the primary banking subsidiary of Associated Banc-Corp (NYSE ASB), a nationally chartered commercial bank and the largest bank holdi...
Composite
11.4
Agent
0.0
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 11.4/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
3.3 / 20
Access Clarity
2.1 / 20
Operational Transparency
2.1 / 13
Contract Governance
0.0 / 12
Discoverability
6.7 / 10
Regulatory · Banking & Open Finance
1.9 / 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
73
M&T Bank Emerging human only Super-Regional
M&T Bank is a US super-regional bank holding company (M&T Bank Corporation, NYSE: MTB) headquartered in Buffalo, New York, operating through its national ban...
Composite
11.2
Agent
0.0
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 11.2/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
0.5 / 20
Access Clarity
5.5 / 20
Operational Transparency
0.0 / 13
Contract Governance
0.0 / 12
Discoverability
7.2 / 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
74
First Horizon Emerging human only Super-Regional
First Horizon Corporation is a Fortune 500 financial services holding company headquartered in Memphis, Tennessee. Through First Horizon Bank it provides com...
Composite
11.1
Agent
2.5
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
3.1 / 20
Access Clarity
0.0 / 20
Operational Transparency
0.0 / 13
Contract Governance
2.2 / 12
Discoverability
7.2 / 10
Regulatory · Banking & Open Finance
3.2 / 15
Agent readiness — 3/100 · human only
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
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
75
MidFirst Bank Emerging human only Regional
MidFirst Bank is a federally chartered savings association (thrift) headquartered in Oklahoma City, Oklahoma, and owned by Midland Financial Co. Founded in 1...
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
3.3 / 20
Access Clarity
4.7 / 20
Operational Transparency
0.0 / 13
Contract Governance
0.0 / 12
Discoverability
5.7 / 10
Regulatory · Banking & Open Finance
1.9 / 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
76
Marcus by Goldman Sachs Emerging human only Digital & Neobank
Marcus by Goldman Sachs is the U.S. consumer banking brand of The Goldman Sachs Group, launched in 2016 to offer no-fee high-yield Online Savings Accounts an...
Composite
11.0
Agent
0.0
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 11.0/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
2.9 / 20
Access Clarity
4.2 / 20
Operational Transparency
0.0 / 13
Contract Governance
0.0 / 12
Discoverability
5.9 / 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
Minimal 36 0 – 10.9 Index entry only; little beyond a description and a link.
77
Webster Bank Minimal human only Super-Regional
Webster Bank, N.A. is a nationally chartered commercial bank (National Association) and the principal banking subsidiary of Webster Financial Corporation (NY...
Composite
10.6
Agent
0.0
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 10.6/100 · minimal
Contract Quality
0.0 / 25
Developer Ergonomics
3.3 / 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
78
Atlantic Union Bank Minimal human only Regional
Atlantic Union Bank is a Virginia state-chartered commercial bank with roots going back to 1902, and the principal banking subsidiary of Atlantic Union Banks...
Composite
10.3
Agent
0.0
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 10.3/100 · minimal
Contract Quality
0.0 / 25
Developer Ergonomics
1.0 / 20
Access Clarity
4.2 / 20
Operational Transparency
1.4 / 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
79
PNC Minimal human only Money-Center & Custody
PNC Financial Services Group is a Pittsburgh-based money-center bank and Fortune 500 diversified financial services company offering retail banking, corporat...
Composite
10.1
Agent
0.0
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 10.1/100 · minimal
Contract Quality
0.0 / 25
Developer Ergonomics
4.3 / 20
Access Clarity
0.0 / 20
Operational Transparency
1.7 / 13
Contract Governance
0.0 / 12
Discoverability
6.5 / 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
80
Frost Bank Minimal human only Regional
Frost Bank is the banking subsidiary of Cullen/Frost Bankers, Inc. (NYSE: CFR), a San Antonio, Texas-based financial holding company and one of the largest T...
Composite
10.0
Agent
0.0
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 10.0/100 · minimal
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
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
81
Bank OZK Minimal human only Regional
Bank OZK is a regional bank headquartered in Little Rock, Arkansas, tracing its charter to 1903 and today operating roughly 265 offices across Arkansas, Geor...
Composite
9.9
Agent
0.0
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 9.9/100 · minimal
Contract Quality
0.0 / 25
Developer Ergonomics
1.4 / 20
Access Clarity
5.5 / 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
82
BECU Minimal human only Credit Union
BECU (Boeing Employees' Credit Union) is a member-owned, not-for-profit state-chartered credit union founded in 1935 and headquartered in Tukwila, Washington...
Composite
9.9
Agent
0.0
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 9.9/100 · minimal
Contract Quality
0.0 / 25
Developer Ergonomics
1.4 / 20
Access Clarity
5.5 / 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
83
Popular (Banco Popular) Minimal human only Regional
Popular, Inc. (NASDAQ: BPOP), operating as Banco Popular, is a publicly traded financial holding company founded in 1893 and headquartered in Hato Rey, San J...
Composite
9.9
Agent
0.0
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 9.9/100 · minimal
Contract Quality
0.0 / 25
Developer Ergonomics
1.4 / 20
Access Clarity
5.5 / 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
84
Cadence Bank Minimal human only Regional
Cadence Bank is a regional U.S. commercial bank headquartered in Tupelo, Mississippi and Houston, Texas, formed in October 2021 when legacy Cadence Bancorpor...
Composite
9.5
Agent
0.0
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 9.5/100 · minimal
Contract Quality
0.0 / 25
Developer Ergonomics
1.0 / 20
Access Clarity
5.5 / 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
85
Live Oak Bank Minimal human only Regional
Live Oak Bank (Live Oak Banking Company) is a digital, branchless, North Carolina state-chartered commercial bank founded in 2008 and headquartered in Wilmin...
Composite
9.5
Agent
0.0
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 9.5/100 · minimal
Contract Quality
0.0 / 25
Developer Ergonomics
1.4 / 20
Access Clarity
4.7 / 20
Operational Transparency
0.3 / 13
Contract Governance
0.0 / 12
Discoverability
5.7 / 10
Regulatory · Banking & Open Finance
1.9 / 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
86
Security Service Federal Credit Union Minimal human only Credit Union
Security Service Federal Credit Union (SSFCU), headquartered in San Antonio, Texas, is a member-owned, not-for-profit financial cooperative federally charter...
Composite
9.5
Agent
0.0
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 9.5/100 · minimal
Contract Quality
0.0 / 25
Developer Ergonomics
1.0 / 20
Access Clarity
5.5 / 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
87
Old National Bank Minimal human only Regional
Old National Bank is a nationally chartered, FDIC-insured regional commercial bank and the primary subsidiary of Old National Bancorp (NASDAQ: ONB), headquar...
Composite
9.0
Agent
0.0
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 9.0/100 · minimal
Contract Quality
0.0 / 25
Developer Ergonomics
1.4 / 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
88
Valley National Bank Minimal human only Regional
Valley National Bank is a nationally chartered commercial bank (OCC-regulated) and the principal banking subsidiary of Valley National Bancorp (NASDAQ: VLY),...
Composite
9.0
Agent
0.0
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 9.0/100 · minimal
Contract Quality
0.0 / 25
Developer Ergonomics
1.4 / 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
89
Prosperity Bank Minimal human only Regional
Prosperity Bank is a Texas-chartered commercial bank (member FDIC, NMLS ID 466414) and the banking subsidiary of Prosperity Bancshares, Inc. (NYSE: PB), a Ho...
Composite
8.9
Agent
0.0
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 8.9/100 · 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
5.7 / 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
90
SouthState Bank Minimal human only Regional
SouthState Bank, National Association is an OCC-chartered national commercial bank headquartered in Winter Haven, Florida, and the principal subsidiary of So...
Composite
8.9
Agent
0.0
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 8.9/100 · 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
5.7 / 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
91
Barclays US Minimal human only Regional
Barclays US is the United States consumer banking arm of Barclays PLC, operated through Barclays Bank Delaware, a Delaware state-chartered bank headquartered...
Composite
8.6
Agent
0.0
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 8.6/100 · minimal
Contract Quality
0.0 / 25
Developer Ergonomics
1.4 / 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
92
Texas Capital Bank Minimal human only Regional
Texas Capital Bank, National Association is the banking subsidiary of Texas Capital Bancshares, Inc. (NASDAQ: TCBI), a Dallas-headquartered full-service fina...
Composite
8.6
Agent
0.0
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 8.6/100 · minimal
Contract Quality
0.0 / 25
Developer Ergonomics
3.3 / 20
Access Clarity
2.1 / 20
Operational Transparency
0.0 / 13
Contract Governance
0.0 / 12
Discoverability
5.9 / 10
Regulatory · Banking & Open Finance
1.9 / 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
93
Columbia Bank Minimal human only Regional
Columbia Bank is an Oregon state-chartered commercial bank and the principal banking subsidiary of Columbia Banking System, Inc. (NASDAQ: COLB), a West Coast...
Composite
8.4
Agent
0.0
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 8.4/100 · minimal
Contract Quality
0.0 / 25
Developer Ergonomics
5.2 / 20
Access Clarity
0.0 / 20
Operational Transparency
0.0 / 13
Contract Governance
0.0 / 12
Discoverability
6.7 / 10
Regulatory · Banking & Open Finance
1.1 / 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
94
SchoolsFirst FCU Minimal human only Credit Union
SchoolsFirst Federal Credit Union is a federally chartered, member-owned credit union headquartered in Tustin, California, serving educators and their famili...
Composite
8.4
Agent
0.0
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 8.4/100 · minimal
Contract Quality
0.0 / 25
Developer Ergonomics
1.4 / 20
Access Clarity
4.7 / 20
Operational Transparency
0.0 / 13
Contract Governance
0.0 / 12
Discoverability
5.0 / 10
Regulatory · Banking & Open Finance
1.9 / 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
95
CIBC Bank USA Minimal human only Regional
CIBC Bank USA is an Illinois state-chartered, FDIC-insured commercial bank (FDIC Cert #33306) headquartered at 120 South LaSalle Street in Chicago, Illinois....
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
96
Santander US Minimal human only Super-Regional
Santander Bank, N.A. (santanderbank.com) is the US retail and commercial banking subsidiary of Spain's Banco Santander S.A., headquartered in Boston, Massach...
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
97
Randolph-Brooks FCU Minimal human only Credit Union
Randolph-Brooks Federal Credit Union (RBFCU) is a member-owned, not-for-profit federal credit union headquartered in Live Oak, Texas, federally insured by th...
Composite
7.1
Agent
0.0
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 7.1/100 · minimal
Contract Quality
0.0 / 25
Developer Ergonomics
1.4 / 20
Access Clarity
3.4 / 20
Operational Transparency
0.0 / 13
Contract Governance
0.0 / 12
Discoverability
5.0 / 10
Regulatory · Banking & Open Finance
1.9 / 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
98
First Tech Federal Credit Union Minimal human only Credit Union
First Tech Federal Credit Union is a federally chartered, member-owned, not-for-profit financial cooperative headquartered in San Jose, California, and one o...
Composite
6.7
Agent
0.0
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 6.7/100 · minimal
Contract Quality
0.0 / 25
Developer Ergonomics
0.7 / 20
Access Clarity
3.4 / 20
Operational Transparency
0.0 / 13
Contract Governance
0.0 / 12
Discoverability
5.7 / 10
Regulatory · Banking & Open Finance
1.5 / 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
99
BOK Financial Minimal human only Regional
BOK Financial Corporation (NASDAQ: BOKF) is a regional financial-services holding company headquartered in Tulsa, Oklahoma, delivering banking under the Bank...
Composite
6.5
Agent
0.0
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 6.5/100 · minimal
Contract Quality
0.0 / 25
Developer Ergonomics
1.4 / 20
Access Clarity
2.1 / 20
Operational Transparency
0.0 / 13
Contract Governance
0.0 / 12
Discoverability
5.7 / 10
Regulatory · Banking & Open Finance
1.9 / 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
100
Comerica Minimal human only Super-Regional
Comerica Incorporated is a Texas-headquartered super-regional financial services holding company providing retail, small-business, commercial, and wealth-man...
Composite
6.5
Agent
0.0
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 6.5/100 · minimal
Contract Quality
0.0 / 25
Developer Ergonomics
0.7 / 20
Access Clarity
2.1 / 20
Operational Transparency
0.7 / 13
Contract Governance
0.0 / 12
Discoverability
5.7 / 10
Regulatory · Banking & Open Finance
1.9 / 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
101
State Employees' Credit Union Minimal human only Credit Union
State Employees' Credit Union (SECU / NCSECU) is a member-owned, not-for-profit financial cooperative headquartered in Raleigh, North Carolina. Founded in 19...
Composite
6.2
Agent
0.0
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 6.2/100 · minimal
Contract Quality
0.0 / 25
Developer Ergonomics
1.9 / 20
Access Clarity
2.1 / 20
Operational Transparency
0.0 / 13
Contract Governance
0.0 / 12
Discoverability
5.0 / 10
Regulatory · Banking & Open Finance
1.9 / 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
102
Pinnacle Financial Minimal human only Regional
Pinnacle Financial Partners, Inc. (NASDAQ: PNFP) is a Nashville, Tennessee based regional bank holding company whose principal subsidiary, Pinnacle Bank, is ...
Composite
6.0
Agent
0.0
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 6.0/100 · minimal
Contract Quality
0.0 / 25
Developer Ergonomics
1.0 / 20
Access Clarity
2.1 / 20
Operational Transparency
0.0 / 13
Contract Governance
0.0 / 12
Discoverability
5.7 / 10
Regulatory · Banking & Open Finance
1.9 / 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
103
Alliant Credit Union Minimal human only Credit Union
Alliant Credit Union is a federally chartered, member-owned credit union headquartered in Chicago, Illinois, regulated by the National Credit Union Administr...
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
1.4 / 20
Access Clarity
2.1 / 20
Operational Transparency
0.0 / 13
Contract Governance
0.0 / 12
Discoverability
5.0 / 10
Regulatory · Banking & Open Finance
1.9 / 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
104
Flagstar Minimal human only Super-Regional
Flagstar Bank, N.A. is the OCC-chartered national bank subsidiary of Flagstar Financial, Inc. (NYSE: FLG), the Hicksville, New York holding company formerly ...
Composite
5.7
Agent
0.0
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 5.7/100 · minimal
Contract Quality
0.0 / 25
Developer Ergonomics
0.0 / 20
Access Clarity
3.4 / 20
Operational Transparency
0.0 / 13
Contract Governance
0.0 / 12
Discoverability
5.0 / 10
Regulatory · Banking & Open Finance
1.9 / 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
105
PenFed Credit Union Minimal human only Credit Union
PenFed Credit Union (Pentagon Federal Credit Union), founded in 1935 and headquartered in McLean, Virginia, is a federally chartered credit union regulated b...
Composite
5.2
Agent
0.0
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 5.2/100 · minimal
Contract Quality
0.0 / 25
Developer Ergonomics
1.0 / 20
Access Clarity
2.4 / 20
Operational Transparency
0.0 / 13
Contract Governance
0.0 / 12
Discoverability
5.0 / 10
Regulatory · Banking & Open Finance
1.5 / 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
106
Sallie Mae Bank Minimal human only Regional
Sallie Mae Bank is a Utah state-chartered industrial bank (industrial loan company) founded on November 28, 2005 and headquartered in Salt Lake City, Utah, o...
Composite
3.6
Agent
0.0
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 3.6/100 · minimal
Contract Quality
0.0 / 25
Developer Ergonomics
0.5 / 20
Access Clarity
1.3 / 20
Operational Transparency
0.3 / 13
Contract Governance
0.0 / 12
Discoverability
5.0 / 10
Regulatory · Banking & Open Finance
1.1 / 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
107
Zions Bancorporation Minimal human only Super-Regional
Zions Bancorporation, National Association is a nationally chartered bank and bank holding company headquartered in Salt Lake City, Utah, with roughly $87 bi...
Composite
3.4
Agent
0.0
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 3.4/100 · minimal
Contract Quality
0.0 / 25
Developer Ergonomics
1.9 / 20
Access Clarity
0.0 / 20
Operational Transparency
0.0 / 13
Contract Governance
0.0 / 12
Discoverability
5.0 / 10
Regulatory · Banking & Open Finance
1.1 / 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
108
DCU (Digital Federal Credit Union) Minimal human only Credit Union
Digital Federal Credit Union (DCU) is a not-for-profit, member-owned federal credit union headquartered in Marlborough, Massachusetts and regulated by the Na...
Composite
2.2
Agent
0.0
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 2.2/100 · minimal
Contract Quality
0.0 / 25
Developer Ergonomics
0.0 / 20
Access Clarity
0.0 / 20
Operational Transparency
0.0 / 13
Contract Governance
0.0 / 12
Discoverability
5.7 / 10
Regulatory · Banking & Open Finance
1.1 / 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
109
VyStar Credit Union Minimal human only Credit Union
VyStar Credit Union is a member-owned, not-for-profit financial cooperative headquartered in Jacksonville, Florida. Founded in 1952 as Jax Navy Federal Credi...
Composite
2.2
Agent
0.0
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 2.2/100 · minimal
Contract Quality
0.0 / 25
Developer Ergonomics
0.0 / 20
Access Clarity
0.0 / 20
Operational Transparency
0.0 / 13
Contract Governance
0.0 / 12
Discoverability
5.7 / 10
Regulatory · Banking & Open Finance
1.1 / 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
110
Golden 1 Credit Union Minimal human only Credit Union
Golden 1 Credit Union is a state-chartered, member-owned not-for-profit financial cooperative headquartered in Sacramento, California, and is one of the larg...
Composite
1.5
Agent
0.0
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 1.5/100 · minimal
Contract Quality
0.0 / 25
Developer Ergonomics
0.0 / 20
Access Clarity
0.0 / 20
Operational Transparency
0.0 / 13
Contract Governance
0.0 / 12
Discoverability
5.0 / 10
Regulatory · Banking & Open Finance
1.1 / 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
111
Mountain America Credit Union Minimal human only Credit Union
Mountain America Credit Union (MACU) is a federally chartered, member-owned not-for-profit financial cooperative headquartered in Sandy, Utah, founded in 193...
Composite
1.5
Agent
0.0
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 1.5/100 · minimal
Contract Quality
0.0 / 25
Developer Ergonomics
0.0 / 20
Access Clarity
0.0 / 20
Operational Transparency
0.0 / 13
Contract Governance
0.0 / 12
Discoverability
5.0 / 10
Regulatory · Banking & Open Finance
1.1 / 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
112
Suncoast Credit Union Minimal human only Credit Union
Suncoast Credit Union is a state-chartered, federally insured (NCUA), member-owned not-for-profit financial cooperative headquartered in Tampa, Florida. Foun...
Composite
1.5
Agent
0.0
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 1.5/100 · minimal
Contract Quality
0.0 / 25
Developer Ergonomics
0.0 / 20
Access Clarity
0.0 / 20
Operational Transparency
0.0 / 13
Contract Governance
0.0 / 12
Discoverability
5.0 / 10
Regulatory · Banking & Open Finance
1.1 / 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
Industry Bodies & Standards 1 Trade bodies and standards organizations — they define how the sector exchanges data rather than selling an API.
21
Financial Data Exchange (FDX) Developing agent ready Industry Bodies & Standards
Financial Data Exchange (FDX) is a non-profit industry standards body operating in the US and Canada that produces the FDX API, a royalty-free REST standard ...
Composite
43.6
Agent
34.6
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 43.6/100 · developing
Contract Quality
15.8 / 25
Developer Ergonomics
4.8 / 20
Access Clarity
7.9 / 20
Operational Transparency
4.8 / 13
Contract Governance
1.2 / 12
Discoverability
7.4 / 10
Regulatory · Banking & Open Finance
6.5 / 15
Agent readiness — 35/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
6 / 6
MCP Server
0 / 12
Machine-Readable Auth negotiable
7.5 / 10
Idempotency
9 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
7.0 / 7
Rate-Limit Signaling documented
3.5 / 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 documented
3.0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5