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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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113 providers

Exemplar 2 70+ Reference-quality API operations across every facet.
1
Plaid screenshot
Plaid Exemplar agent native Aggregator & FDX

Plaid is a US financial-technology company and data-network aggregator that provides an API

Composite
74.8
Agent
90.4
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 74.8/100 · exemplar
Contract Quality 15.3 / 25
Developer Ergonomics 14.8 / 20
Commercial Clarity 20.0 / 20
Operational Transparency 10.9 / 13
Governance 6.3 / 12
Discoverability 9.3 / 10
Regulatory · Banking & Open Finance 9.8 / 15
Agent readiness — 90/100 · agent native
Machine-Readable Contract 18 / 18
Agentic Access Contract 15 / 15
MCP Server 12 / 12
Machine-Readable Auth 10 / 10
Idempotency 9 / 9
Stable Error Semantics 8 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 7 / 7
Typed Event Surface 6 / 6
Agent Skills 5 / 5
Well-Known Catalog 4 / 4
Consent & Bot Identity 0 / 3
2
Unit screenshot
Unit Exemplar agent native Banking-as-a-Service

Unit is a US Banking-as-a-Service (BaaS) platform that lets companies

Composite
72.7
Agent
72.1
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 72.7/100 · exemplar
Contract Quality 15.1 / 25
Developer Ergonomics 16.1 / 20
Commercial Clarity 15.8 / 20
Operational Transparency 10.9 / 13
Governance 0.0 / 12
Discoverability 10.0 / 10
Regulatory · Banking & Open Finance 15.0 / 15
Agent readiness — 72/100 · agent native
Machine-Readable Contract 18 / 18
Agentic Access Contract 0 / 15
MCP Server 12 / 12
Machine-Readable Auth 10 / 10
Idempotency 9 / 9
Stable Error Semantics 8 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 7 / 7
Typed Event Surface 6 / 6
Agent Skills 5 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
Strong 4 60–69.9 Solid contracts, transparent operations, and an easy start.
3
Highnote screenshot
Highnote Strong agent native Banking-as-a-Service

Highnote is a modern, unified embedded-finance and banking-as-a-service

Composite
65.5
Agent
90.4
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 65.5/100 · strong
Contract Quality 18.2 / 25
Developer Ergonomics 14.8 / 20
Commercial Clarity 16.3 / 20
Operational Transparency 9.6 / 13
Governance 0.0 / 12
Discoverability 6.8 / 10
Regulatory · Payments 9.8 / 15
Agent readiness — 90/100 · agent native
Machine-Readable Contract 18 / 18
Agentic Access Contract 15 / 15
MCP Server 12 / 12
Machine-Readable Auth 10 / 10
Idempotency 9 / 9
Stable Error Semantics 8 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 7 / 7
Typed Event Surface 6 / 6
Agent Skills 5 / 5
Well-Known Catalog 4 / 4
Consent & Bot Identity 0 / 3
4
Dwolla Strong agent native Aggregator & FDX

Dwolla is a Des Moines-based fintech providing an account-to-account (A2A) payments platform

Composite
62.5
Agent
90.4
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 62.5/100 · strong
Contract Quality 17.1 / 25
Developer Ergonomics 16.1 / 20
Commercial Clarity 12.1 / 20
Operational Transparency 6.8 / 13
Governance 0.0 / 12
Discoverability 10.0 / 10
Regulatory · Banking & Open Finance 9.8 / 15
Agent readiness — 90/100 · agent native
Machine-Readable Contract 18 / 18
Agentic Access Contract 15 / 15
MCP Server 12 / 12
Machine-Readable Auth 10 / 10
Idempotency 9 / 9
Stable Error Semantics 8 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 7 / 7
Typed Event Surface 6 / 6
Agent Skills 5 / 5
Well-Known Catalog 4 / 4
Consent & Bot Identity 0 / 3
5
MX Strong agent ready Aggregator & FDX

MX Technologies is a privately held financial data platform headquartered

Composite
61.3
Agent
58.7
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 61.3/100 · strong
Contract Quality 16.4 / 25
Developer Ergonomics 10.9 / 20
Commercial Clarity 10.0 / 20
Operational Transparency 12.3 / 13
Governance 0.0 / 12
Discoverability 8.8 / 10
Regulatory · Banking & Open Finance 11.7 / 15
Agent readiness — 59/100 · agent ready
Machine-Readable Contract 18 / 18
Agentic Access Contract 0 / 15
MCP Server 0 / 12
Machine-Readable Auth 10 / 10
Idempotency 0 / 9
Stable Error Semantics 8 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 7 / 7
Typed Event Surface 6 / 6
Agent Skills 5 / 5
Well-Known Catalog 4 / 4
Consent & Bot Identity 3 / 3
6
Cash App Strong agent native Digital & Neobank

Cash App is a consumer mobile-first financial services platform operated

Composite
60.4
Agent
86.5
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 60.4/100 · strong
Contract Quality 15.1 / 25
Developer Ergonomics 15.2 / 20
Commercial Clarity 6.8 / 20
Operational Transparency 8.2 / 13
Governance 0.0 / 12
Discoverability 10.0 / 10
Regulatory · Banking & Open Finance 13.4 / 15
Agent readiness — 87/100 · agent native
Machine-Readable Contract 18 / 18
Agentic Access Contract 15 / 15
MCP Server 12 / 12
Machine-Readable Auth 10 / 10
Idempotency 9 / 9
Stable Error Semantics 8 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 6 / 6
Agent Skills 5 / 5
Well-Known Catalog 4 / 4
Consent & Bot Identity 3 / 3
Developing 25 45–59.9 Real signal across most facets with visible, nameable gaps.
7
Financial Data Exchange (FDX) screenshot
Financial Data Exchange (FDX) Developing agent ready Aggregator & FDX

Financial Data Exchange (FDX) is a non-profit industry standards body

Composite
57.1
Agent
48.1
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 57.1/100 · developing
Contract Quality 16.0 / 25
Developer Ergonomics 6.1 / 20
Commercial Clarity 12.1 / 20
Operational Transparency 0.7 / 13
Governance 8.8 / 12
Discoverability 10.0 / 10
Regulatory · Banking & Open Finance 11.4 / 15
Agent readiness — 48/100 · agent ready
Machine-Readable Contract 18 / 18
Agentic Access Contract 15 / 15
MCP Server 0 / 12
Machine-Readable Auth 10 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 7 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
8
Charles Schwab screenshot
Charles Schwab Developing agent ready Super-Regional

Charles Schwab is a financial services company providing brokerage, banking,

Composite
56.0
Agent
48.1
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 56.0/100 · developing
Contract Quality 14.0 / 25
Developer Ergonomics 6.5 / 20
Commercial Clarity 10.0 / 20
Operational Transparency 4.1 / 13
Governance 8.8 / 12
Discoverability 6.8 / 10
Regulatory · Banking & Open Finance 13.4 / 15
Agent readiness — 48/100 · agent ready
Machine-Readable Contract 18 / 18
Agentic Access Contract 15 / 15
MCP Server 0 / 12
Machine-Readable Auth 10 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 7 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
9
State Street screenshot
State Street Developing 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
56.0
Agent
48.1
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 56.0/100 · developing
Contract Quality 17.9 / 25
Developer Ergonomics 8.7 / 20
Commercial Clarity 10.0 / 20
Operational Transparency 3.4 / 13
Governance 10.4 / 12
Discoverability 5.5 / 10
Agent readiness — 48/100 · agent ready
Machine-Readable Contract 18 / 18
Agentic Access Contract 15 / 15
MCP Server 0 / 12
Machine-Readable Auth 10 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 7 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
10
Bank of America screenshot
Bank of America Developing agent ready Money-Center & Custody

Bank of America is a multinational investment bank and financial services

Composite
55.4
Agent
48.1
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 55.4/100 · developing
Contract Quality 16.8 / 25
Developer Ergonomics 4.3 / 20
Commercial Clarity 10.0 / 20
Operational Transparency 3.4 / 13
Governance 10.4 / 12
Discoverability 6.8 / 10
Regulatory · Banking & Open Finance 11.4 / 15
Agent readiness — 48/100 · agent ready
Machine-Readable Contract 18 / 18
Agentic Access Contract 15 / 15
MCP Server 0 / 12
Machine-Readable Auth 10 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 7 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
11
TD Bank Developing agent ready 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
55.1
Agent
48.1
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 55.1/100 · developing
Contract Quality 14.0 / 25
Developer Ergonomics 5.7 / 20
Commercial Clarity 10.0 / 20
Operational Transparency 6.2 / 13
Governance 10.4 / 12
Discoverability 6.8 / 10
Regulatory · Banking & Open Finance 10.1 / 15
Agent readiness — 48/100 · agent ready
Machine-Readable Contract 18 / 18
Agentic Access Contract 15 / 15
MCP Server 0 / 12
Machine-Readable Auth 10 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 7 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
12
Akoya screenshot
Akoya Developing agent aware Aggregator & FDX

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
55.0
Agent
29.8
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 55.0/100 · developing
Contract Quality 5.7 / 25
Developer Ergonomics 11.7 / 20
Commercial Clarity 17.9 / 20
Operational Transparency 7.9 / 13
Governance 0.0 / 12
Discoverability 10.0 / 10
Regulatory · Banking & Open Finance 9.8 / 15
Agent readiness — 30/100 · agent aware
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 0 / 12
Machine-Readable Auth 10 / 10
Idempotency 0 / 9
Stable Error Semantics 8 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 7 / 7
Typed Event Surface 6 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
13
Moov screenshot
Moov Developing agent ready 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
53.2
Agent
53.8
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 53.2/100 · developing
Contract Quality 19.5 / 25
Developer Ergonomics 6.1 / 20
Commercial Clarity 12.1 / 20
Operational Transparency 3.4 / 13
Governance 6.3 / 12
Discoverability 6.8 / 10
Regulatory · Banking & Open Finance 7.2 / 15
Agent readiness — 54/100 · agent ready
Machine-Readable Contract 18 / 18
Agentic Access Contract 15 / 15
MCP Server 0 / 12
Machine-Readable Auth 10 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 7 / 7
Typed Event Surface 6 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
14
SoFi screenshot
SoFi Developing agent native 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
53.1
Agent
72.1
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 53.1/100 · developing
Contract Quality 15.1 / 25
Developer Ergonomics 12.2 / 20
Commercial Clarity 12.1 / 20
Operational Transparency 4.8 / 13
Governance 0.0 / 12
Discoverability 8.8 / 10
Regulatory · Banking & Open Finance 8.1 / 15
Agent readiness — 72/100 · agent native
Machine-Readable Contract 18 / 18
Agentic Access Contract 15 / 15
MCP Server 12 / 12
Machine-Readable Auth 10 / 10
Idempotency 0 / 9
Stable Error Semantics 8 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 7 / 7
Typed Event Surface 0 / 6
Agent Skills 5 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
15
Chime screenshot
Chime Developing agent ready Digital & Neobank

Chime is a neobank and fintech platform offering fee-free checking and

Composite
52.2
Agent
48.1
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 52.2/100 · developing
Contract Quality 16.7 / 25
Developer Ergonomics 4.3 / 20
Commercial Clarity 10.0 / 20
Operational Transparency 2.7 / 13
Governance 8.8 / 12
Discoverability 10.0 / 10
Regulatory · Banking & Open Finance 7.5 / 15
Agent readiness — 48/100 · agent ready
Machine-Readable Contract 18 / 18
Agentic Access Contract 15 / 15
MCP Server 0 / 12
Machine-Readable Auth 10 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 7 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
16
Chase screenshot
Chase Developing agent ready 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
52.0
Agent
48.1
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 52.0/100 · developing
Contract Quality 14.0 / 25
Developer Ergonomics 4.8 / 20
Commercial Clarity 10.0 / 20
Operational Transparency 3.4 / 13
Governance 8.8 / 12
Discoverability 6.8 / 10
Regulatory · Banking & Open Finance 11.4 / 15
Agent readiness — 48/100 · agent ready
Machine-Readable Contract 18 / 18
Agentic Access Contract 15 / 15
MCP Server 0 / 12
Machine-Readable Auth 10 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 7 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
17
Synchrony Financial screenshot
Synchrony Financial Developing agent ready 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
51.2
Agent
48.1
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 51.2/100 · developing
Contract Quality 16.8 / 25
Developer Ergonomics 5.2 / 20
Commercial Clarity 7.9 / 20
Operational Transparency 2.7 / 13
Governance 10.4 / 12
Discoverability 6.8 / 10
Regulatory · Payments 8.8 / 15
Agent readiness — 48/100 · agent ready
Machine-Readable Contract 18 / 18
Agentic Access Contract 15 / 15
MCP Server 0 / 12
Machine-Readable Auth 10 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 7 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
18
Synapse screenshot
Synapse Developing agent ready 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
51.1
Agent
48.1
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 51.1/100 · developing
Contract Quality 16.4 / 25
Developer Ergonomics 6.5 / 20
Commercial Clarity 5.8 / 20
Operational Transparency 6.8 / 13
Governance 8.8 / 12
Discoverability 6.8 / 10
Agent readiness — 48/100 · agent ready
Machine-Readable Contract 18 / 18
Agentic Access Contract 15 / 15
MCP Server 0 / 12
Machine-Readable Auth 10 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 7 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
19
Fifth Third Bancorp screenshot
Fifth Third Bancorp Developing agent native Super-Regional

Fifth Third Bancorp is a diversified super-regional financial services company providing commercial banking, branch banking, consumer lending, and wealth and...

Composite
50.2
Agent
71.2
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 50.2/100 · developing
Contract Quality 15.1 / 25
Developer Ergonomics 14.3 / 20
Commercial Clarity 4.2 / 20
Operational Transparency 5.8 / 13
Governance 0.0 / 12
Discoverability 10.0 / 10
Regulatory · Banking & Open Finance 8.1 / 15
Agent readiness — 71/100 · agent native
Machine-Readable Contract 18 / 18
Agentic Access Contract 15 / 15
MCP Server 12 / 12
Machine-Readable Auth 10 / 10
Idempotency 0 / 9
Stable Error Semantics 8 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 6 / 6
Agent Skills 5 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
20
Wells Fargo screenshot
Wells Fargo Developing agent ready Money-Center & Custody

Wells Fargo is a diversified, community-based financial services company

Composite
48.3
Agent
48.1
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 48.3/100 · developing
Contract Quality 17.5 / 25
Developer Ergonomics 5.7 / 20
Commercial Clarity 5.8 / 20
Operational Transparency 3.4 / 13
Governance 10.4 / 12
Discoverability 5.5 / 10
Agent readiness — 48/100 · agent ready
Machine-Readable Contract 18 / 18
Agentic Access Contract 15 / 15
MCP Server 0 / 12
Machine-Readable Auth 10 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 7 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
21
Customers Bank Developing agent native Regional

Customers Bank is a Pennsylvania state-chartered, FDIC-insured full-service commercial

Composite
47.7
Agent
79.8
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 47.7/100 · developing
Contract Quality 15.1 / 25
Developer Ergonomics 13.5 / 20
Commercial Clarity 4.2 / 20
Operational Transparency 3.8 / 13
Governance 0.0 / 12
Discoverability 10.0 / 10
Regulatory · Banking & Open Finance 8.1 / 15
Agent readiness — 80/100 · agent native
Machine-Readable Contract 18 / 18
Agentic Access Contract 15 / 15
MCP Server 12 / 12
Machine-Readable Auth 10 / 10
Idempotency 9 / 9
Stable Error Semantics 8 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 6 / 6
Agent Skills 5 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
22
Finicity Developing agent native Aggregator & FDX

Finicity, LLC is a Utah-based financial-data aggregator and open-finance

Composite
47.5
Agent
60.6
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 47.5/100 · developing
Contract Quality 14.4 / 25
Developer Ergonomics 16.5 / 20
Commercial Clarity 2.6 / 20
Operational Transparency 5.8 / 13
Governance 0.0 / 12
Discoverability 10.0 / 10
Regulatory · Banking & Open Finance 5.6 / 15
Agent readiness — 61/100 · agent native
Machine-Readable Contract 18 / 18
Agentic Access Contract 0 / 15
MCP Server 12 / 12
Machine-Readable Auth 10 / 10
Idempotency 0 / 9
Stable Error Semantics 8 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 6 / 6
Agent Skills 5 / 5
Well-Known Catalog 4 / 4
Consent & Bot Identity 0 / 3
23
Green Dot Corporation screenshot
Green Dot Corporation Developing agent aware 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
47.1
Agent
43.3
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 47.1/100 · developing
Contract Quality 5.7 / 25
Developer Ergonomics 10.0 / 20
Commercial Clarity 10.0 / 20
Operational Transparency 7.5 / 13
Governance 0.0 / 12
Discoverability 8.8 / 10
Regulatory · Banking & Open Finance 11.4 / 15
Agent readiness — 43/100 · agent aware
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 0 / 12
Machine-Readable Auth 10 / 10
Idempotency 9 / 9
Stable Error Semantics 8 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 7 / 7
Typed Event Surface 6 / 6
Agent Skills 5 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
24
Citizens Financial screenshot
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
47.0
Agent
48.1
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 47.0/100 · developing
Contract Quality 16.8 / 25
Developer Ergonomics 6.1 / 20
Commercial Clarity 7.9 / 20
Operational Transparency 2.7 / 13
Governance 3.2 / 12
Discoverability 6.8 / 10
Regulatory · Banking & Open Finance 10.1 / 15
Agent readiness — 48/100 · agent ready
Machine-Readable Contract 18 / 18
Agentic Access Contract 15 / 15
MCP Server 0 / 12
Machine-Readable Auth 10 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 7 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
25
Lithic screenshot
Lithic Developing agent ready Banking-as-a-Service

Lithic is a modern card-issuing and program-management platform offering

Composite
46.8
Agent
48.1
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 46.8/100 · developing
Contract Quality 15.1 / 25
Developer Ergonomics 2.6 / 20
Commercial Clarity 9.5 / 20
Operational Transparency 3.4 / 13
Governance 8.8 / 12
Discoverability 6.8 / 10
Regulatory · Payments 7.5 / 15
Agent readiness — 48/100 · agent ready
Machine-Readable Contract 18 / 18
Agentic Access Contract 15 / 15
MCP Server 0 / 12
Machine-Readable Auth 10 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 7 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
26
Marqeta screenshot
Marqeta Developing agent ready Banking-as-a-Service

Marqeta is a modern card-issuing and embedded-finance platform. The Core

Composite
46.7
Agent
53.8
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 46.7/100 · developing
Contract Quality 18.2 / 25
Developer Ergonomics 2.2 / 20
Commercial Clarity 7.4 / 20
Operational Transparency 3.4 / 13
Governance 6.3 / 12
Discoverability 6.8 / 10
Regulatory · Payments 9.1 / 15
Agent readiness — 54/100 · agent ready
Machine-Readable Contract 18 / 18
Agentic Access Contract 15 / 15
MCP Server 0 / 12
Machine-Readable Auth 10 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 7 / 7
Typed Event Surface 6 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
27
Envestnet screenshot
Envestnet Developing agent aware Aggregator & FDX

Envestnet is an ever-evolving network of data-driven services, products, tools, and technologies designed to

Composite
46.6
Agent
38.5
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 46.6/100 · developing
Contract Quality 13.1 / 25
Developer Ergonomics 2.2 / 20
Commercial Clarity 10.0 / 20
Operational Transparency 5.5 / 13
Governance 8.8 / 12
Discoverability 7.5 / 10
Regulatory · Banking & Open Finance 6.5 / 15
Agent readiness — 39/100 · agent aware
Machine-Readable Contract 18 / 18
Agentic Access Contract 15 / 15
MCP Server 0 / 12
Machine-Readable Auth 0 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 7 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
28
Regions Financial Developing agent ready 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
46.4
Agent
48.1
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 46.4/100 · developing
Contract Quality 16.4 / 25
Developer Ergonomics 2.2 / 20
Commercial Clarity 5.8 / 20
Operational Transparency 2.7 / 13
Governance 10.4 / 12
Discoverability 6.8 / 10
Regulatory · Banking & Open Finance 8.8 / 15
Agent readiness — 48/100 · agent ready
Machine-Readable Contract 18 / 18
Agentic Access Contract 15 / 15
MCP Server 0 / 12
Machine-Readable Auth 10 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 7 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
29
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
45.6
Agent
59.6
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 45.6/100 · developing
Contract Quality 15.1 / 25
Developer Ergonomics 10.9 / 20
Commercial Clarity 4.7 / 20
Operational Transparency 1.0 / 13
Governance 0.0 / 12
Discoverability 10.0 / 10
Regulatory · Banking & Open Finance 10.1 / 15
Agent readiness — 60/100 · agent ready
Machine-Readable Contract 18 / 18
Agentic Access Contract 15 / 15
MCP Server 0 / 12
Machine-Readable Auth 10 / 10
Idempotency 0 / 9
Stable Error Semantics 8 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 6 / 6
Agent Skills 5 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
30
US Bancorp screenshot
US Bancorp Developing 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
45.6
Agent
48.1
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 45.6/100 · developing
Contract Quality 16.3 / 25
Developer Ergonomics 2.2 / 20
Commercial Clarity 5.8 / 20
Operational Transparency 3.4 / 13
Governance 8.8 / 12
Discoverability 6.8 / 10
Regulatory · Banking & Open Finance 8.8 / 15
Agent readiness — 48/100 · agent ready
Machine-Readable Contract 18 / 18
Agentic Access Contract 15 / 15
MCP Server 0 / 12
Machine-Readable Auth 10 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 7 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
31
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
45.5
Agent
23.1
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 45.5/100 · developing
Contract Quality 5.7 / 25
Developer Ergonomics 12.6 / 20
Commercial Clarity 10.0 / 20
Operational Transparency 3.8 / 13
Governance 0.0 / 12
Discoverability 10.0 / 10
Regulatory · Banking & Open Finance 9.8 / 15
Agent readiness — 23/100 · agent aware
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 0 / 12
Machine-Readable Auth 10 / 10
Idempotency 0 / 9
Stable Error Semantics 8 / 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
Thin 18 30–44.9 Limited machine-readable signal beyond documentation a human can read.
32
KeyCorp screenshot
KeyCorp Thin 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
43.1
Agent
86.5
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 43.1/100 · thin
Contract Quality 17.1 / 25
Developer Ergonomics 10.9 / 20
Commercial Clarity 5.8 / 20
Operational Transparency 3.8 / 13
Governance 0.0 / 12
Discoverability 6.8 / 10
Regulatory · Banking & Open Finance 5.6 / 15
Agent readiness — 87/100 · agent native
Machine-Readable Contract 18 / 18
Agentic Access Contract 15 / 15
MCP Server 12 / 12
Machine-Readable Auth 10 / 10
Idempotency 9 / 9
Stable Error Semantics 8 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 7 / 7
Typed Event Surface 6 / 6
Agent Skills 5 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
33
Mercury screenshot
Mercury Thin agent ready Digital & Neobank

Mercury is a banking platform built for startups and tech companies,

Composite
42.9
Agent
53.8
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 42.9/100 · thin
Contract Quality 14.8 / 25
Developer Ergonomics 4.3 / 20
Commercial Clarity 7.9 / 20
Operational Transparency 4.8 / 13
Governance 7.3 / 12
Discoverability 6.8 / 10
Regulatory · Banking & Open Finance 3.9 / 15
Agent readiness — 54/100 · agent ready
Machine-Readable Contract 18 / 18
Agentic Access Contract 15 / 15
MCP Server 0 / 12
Machine-Readable Auth 10 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 7 / 7
Typed Event Surface 6 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
34
Capital One screenshot
Capital One Thin agent aware Money-Center & Custody

Capital One is a US money-center bank and financial services company offering

Composite
40.1
Agent
23.1
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 40.1/100 · thin
Contract Quality 0.0 / 25
Developer Ergonomics 10.4 / 20
Commercial Clarity 10.0 / 20
Operational Transparency 4.8 / 13
Governance 0.0 / 12
Discoverability 10.0 / 10
Regulatory · Banking & Open Finance 10.1 / 15
Agent readiness — 23/100 · agent aware
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 0 / 12
Machine-Readable Auth 10 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 7 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 4 / 4
Consent & Bot Identity 3 / 3
35
American Express screenshot
American Express Thin agent aware 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
39.9
Agent
16.3
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 39.9/100 · thin
Contract Quality 0.0 / 25
Developer Ergonomics 10.4 / 20
Commercial Clarity 12.6 / 20
Operational Transparency 5.5 / 13
Governance 0.0 / 12
Discoverability 8.8 / 10
Regulatory · Banking & Open Finance 8.1 / 15
Agent readiness — 16/100 · agent aware
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 0 / 12
Machine-Readable Auth 10 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 7 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
36
Huntington Bancshares screenshot
Huntington Bancshares Thin agent ready Super-Regional

Huntington Bancshares is a regional bank holding company that provides full-service consumer and business banking, insurance, investment, mortgage, equipment...

Composite
39.1
Agent
48.1
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 39.1/100 · thin
Contract Quality 14.8 / 25
Developer Ergonomics 3.9 / 20
Commercial Clarity 7.9 / 20
Operational Transparency 2.7 / 13
Governance 0.0 / 12
Discoverability 6.8 / 10
Regulatory · Banking & Open Finance 8.5 / 15
Agent readiness — 48/100 · agent ready
Machine-Readable Contract 18 / 18
Agentic Access Contract 15 / 15
MCP Server 0 / 12
Machine-Readable Auth 10 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 7 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
37
Northern Trust screenshot
Northern Trust Thin agent aware 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
38.9
Agent
19.2
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 38.9/100 · thin
Contract Quality 5.7 / 25
Developer Ergonomics 9.1 / 20
Commercial Clarity 6.8 / 20
Operational Transparency 0.7 / 13
Governance 0.0 / 12
Discoverability 10.0 / 10
Regulatory · Banking & Open Finance 11.4 / 15
Agent readiness — 19/100 · agent aware
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 0 / 12
Machine-Readable Auth 10 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 6 / 6
Agent Skills 0 / 5
Well-Known Catalog 4 / 4
Consent & Bot Identity 0 / 3
38
Citigroup screenshot
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
38.8
Agent
20.2
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 38.8/100 · thin
Contract Quality 3.8 / 25
Developer Ergonomics 7.0 / 20
Commercial Clarity 10.0 / 20
Operational Transparency 3.4 / 13
Governance 3.2 / 12
Discoverability 8.8 / 10
Regulatory · Banking & Open Finance 8.1 / 15
Agent readiness — 20/100 · agent aware
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 0 / 12
Machine-Readable Auth 10 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 7 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 4 / 4
Consent & Bot Identity 0 / 3
39
USAA screenshot
USAA Thin agent aware Super-Regional

USAA (United Services Automobile Association) is a Fortune 100 financial services group offering banking, investing, and insurance products exclusively to pe...

Composite
37.3
Agent
23.1
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 37.3/100 · thin
Contract Quality 3.8 / 25
Developer Ergonomics 3.9 / 20
Commercial Clarity 5.8 / 20
Operational Transparency 4.8 / 13
Governance 8.8 / 12
Discoverability 8.0 / 10
Regulatory · Banking & Open Finance 7.5 / 15
Agent readiness — 23/100 · agent aware
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 0 / 12
Machine-Readable Auth 10 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 7 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 4 / 4
Consent & Bot Identity 3 / 3
40
First Citizens BancShares screenshot
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
37.1
Agent
22.1
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 37.1/100 · thin
Contract Quality 5.7 / 25
Developer Ergonomics 7.8 / 20
Commercial Clarity 4.2 / 20
Operational Transparency 4.1 / 13
Governance 0.0 / 12
Discoverability 10.0 / 10
Regulatory · Banking & Open Finance 10.1 / 15
Agent readiness — 22/100 · agent aware
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 0 / 12
Machine-Readable Auth 10 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 6 / 6
Agent Skills 0 / 5
Well-Known Catalog 4 / 4
Consent & Bot Identity 3 / 3
41
Varo Bank screenshot
Varo Bank Thin human only Digital & Neobank

Varo Bank is a mobile-first, FDIC-chartered digital bank offering fee-free

Composite
36.7
Agent
13.5
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 36.7/100 · thin
Contract Quality 0.0 / 25
Developer Ergonomics 3.0 / 20
Commercial Clarity 14.2 / 20
Operational Transparency 8.2 / 13
Governance 0.0 / 12
Discoverability 10.0 / 10
Regulatory · Banking & Open Finance 6.5 / 15
Agent readiness — 14/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 0 / 12
Machine-Readable Auth 0 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 7 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 4 / 4
Consent & Bot Identity 3 / 3
42
Morgan Stanley screenshot
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
35.1
Agent
32.7
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 35.1/100 · thin
Contract Quality 0.0 / 25
Developer Ergonomics 9.6 / 20
Commercial Clarity 7.9 / 20
Operational Transparency 4.8 / 13
Governance 0.0 / 12
Discoverability 8.8 / 10
Regulatory · Securities & Market Data 8.8 / 15
Agent readiness — 33/100 · agent aware
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 0 / 12
Machine-Readable Auth 10 / 10
Idempotency 9 / 9
Stable Error Semantics 8 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 7 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
43
Bluevine screenshot
Bluevine Thin 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
33.1
Agent
6.7
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 33.1/100 · thin
Contract Quality 2.4 / 25
Developer Ergonomics 3.0 / 20
Commercial Clarity 16.8 / 20
Operational Transparency 0.7 / 13
Governance 0.0 / 12
Discoverability 8.8 / 10
Regulatory · Banking & Open Finance 6.2 / 15
Agent readiness — 7/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 0 / 12
Machine-Readable Auth 0 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 7 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
44
Yodlee screenshot
Yodlee Thin agent aware Aggregator & FDX

Yodlee (Envestnet | Yodlee) is a financial data aggregation platform

Composite
32.4
Agent
38.5
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 32.4/100 · thin
Contract Quality 9.4 / 25
Developer Ergonomics 7.0 / 20
Commercial Clarity 5.8 / 20
Operational Transparency 3.4 / 13
Governance 1.6 / 12
Discoverability 6.8 / 10
Regulatory · Banking & Open Finance 3.6 / 15
Agent readiness — 39/100 · agent aware
Machine-Readable Contract 18 / 18
Agentic Access Contract 15 / 15
MCP Server 0 / 12
Machine-Readable Auth 0 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 7 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
45
Increase screenshot
Increase Thin 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

Composite
32.0
Agent
48.1
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 32.0/100 · thin
Contract Quality 13.4 / 25
Developer Ergonomics 2.6 / 20
Commercial Clarity 5.8 / 20
Operational Transparency 3.4 / 13
Governance 0.0 / 12
Discoverability 5.5 / 10
Regulatory · Banking & Open Finance 5.9 / 15
Agent readiness — 48/100 · agent ready
Machine-Readable Contract 18 / 18
Agentic Access Contract 15 / 15
MCP Server 0 / 12
Machine-Readable Auth 10 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 7 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
46
Goldman Sachs screenshot
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
31.9
Agent
30.8
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 31.9/100 · thin
Contract Quality 5.7 / 25
Developer Ergonomics 7.4 / 20
Commercial Clarity 5.8 / 20
Operational Transparency 3.4 / 13
Governance 0.0 / 12
Discoverability 8.8 / 10
Regulatory · Banking & Open Finance 5.6 / 15
Agent readiness — 31/100 · agent aware
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 0 / 12
Machine-Readable Auth 10 / 10
Idempotency 9 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 7 / 7
Typed Event Surface 6 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
47
Navy Federal Credit Union Thin agent aware 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
31.5
Agent
16.3
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 31.5/100 · thin
Contract Quality 0.0 / 25
Developer Ergonomics 8.3 / 20
Commercial Clarity 6.8 / 20
Operational Transparency 1.4 / 13
Governance 0.0 / 12
Discoverability 8.8 / 10
Regulatory · Banking & Open Finance 10.1 / 15
Agent readiness — 16/100 · agent aware
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 0 / 12
Machine-Readable Auth 10 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 4 / 4
Consent & Bot Identity 3 / 3
48
Column Thin agent ready Banking-as-a-Service

Column is a chartered nationally-regulated bank purpose-built for developer APIs. Offers ACH, wires, FedNow,

Composite
30.8
Agent
53.8
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 30.8/100 · thin
Contract Quality 15.0 / 25
Developer Ergonomics 2.6 / 20
Commercial Clarity 5.8 / 20
Operational Transparency 2.7 / 13
Governance 0.0 / 12
Discoverability 5.5 / 10
Regulatory · Banking & Open Finance 3.9 / 15
Agent readiness — 54/100 · agent ready
Machine-Readable Contract 18 / 18
Agentic Access Contract 15 / 15
MCP Server 0 / 12
Machine-Readable Auth 10 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 7 / 7
Typed Event Surface 6 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
49
BankUnited Thin human only 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
30.5
Agent
13.5
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 30.5/100 · thin
Contract Quality 0.0 / 25
Developer Ergonomics 4.3 / 20
Commercial Clarity 6.8 / 20
Operational Transparency 2.1 / 13
Governance 0.0 / 12
Discoverability 9.3 / 10
Regulatory · Banking & Open Finance 11.4 / 15
Agent readiness — 14/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 0 / 12
Machine-Readable Auth 10 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 4 / 4
Consent & Bot Identity 0 / 3
Emerging 40 15–29.9 More than an index entry but still mostly links rather than artifacts.
50
East West Bank Emerging 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
29.8
Agent
9.6
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 29.8/100 · emerging
Contract Quality 0.0 / 25
Developer Ergonomics 10.0 / 20
Commercial Clarity 6.8 / 20
Operational Transparency 0.7 / 13
Governance 0.0 / 12
Discoverability 8.0 / 10
Regulatory · Banking & Open Finance 8.1 / 15
Agent readiness — 10/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 0 / 12
Machine-Readable Auth 10 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
51
Treasury Prime screenshot
Treasury Prime Emerging agent ready Banking-as-a-Service

Treasury Prime is an embedded banking platform connecting fintechs and

Composite
29.8
Agent
48.1
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 29.8/100 · emerging
Contract Quality 12.0 / 25
Developer Ergonomics 2.6 / 20
Commercial Clarity 5.8 / 20
Operational Transparency 3.4 / 13
Governance 0.0 / 12
Discoverability 6.8 / 10
Regulatory · Banking & Open Finance 3.9 / 15
Agent readiness — 48/100 · agent ready
Machine-Readable Contract 18 / 18
Agentic Access Contract 15 / 15
MCP Server 0 / 12
Machine-Readable Auth 10 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 7 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
52
Western Alliance Bank Emerging human only 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
29.1
Agent
13.5
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 29.1/100 · emerging
Contract Quality 0.0 / 25
Developer Ergonomics 9.1 / 20
Commercial Clarity 6.8 / 20
Operational Transparency 0.7 / 13
Governance 0.0 / 12
Discoverability 8.0 / 10
Regulatory · Banking & Open Finance 8.1 / 15
Agent readiness — 14/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 0 / 12
Machine-Readable Auth 10 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 4 / 4
Consent & Bot Identity 0 / 3
53
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
25.5
Agent
0.0
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 25.5/100 · emerging
Contract Quality 0.0 / 25
Developer Ergonomics 7.8 / 20
Commercial Clarity 6.8 / 20
Operational Transparency 0.0 / 13
Governance 0.0 / 12
Discoverability 8.0 / 10
Regulatory · Banking & Open Finance 6.2 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 0 / 12
Machine-Readable Auth 0 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
54
Novo Emerging human only Digital & Neobank

Novo is a New York- and Miami-based financial technology company, founded

Composite
24.9
Agent
0.0
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 24.9/100 · emerging
Contract Quality 0.0 / 25
Developer Ergonomics 5.2 / 20
Commercial Clarity 10.0 / 20
Operational Transparency 0.0 / 13
Governance 0.0 / 12
Discoverability 6.8 / 10
Regulatory · Banking & Open Finance 6.2 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 0 / 12
Machine-Readable Auth 0 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
55
PNC screenshot
PNC Emerging 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
23.4
Agent
6.7
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 23.4/100 · emerging
Contract Quality 0.0 / 25
Developer Ergonomics 4.8 / 20
Commercial Clarity 4.2 / 20
Operational Transparency 2.1 / 13
Governance 0.0 / 12
Discoverability 8.8 / 10
Regulatory · Banking & Open Finance 6.5 / 15
Agent readiness — 7/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 0 / 12
Machine-Readable Auth 0 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 4 / 4
Consent & Bot Identity 3 / 3
56
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
23.2
Agent
0.0
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 23.2/100 · emerging
Contract Quality 0.0 / 25
Developer Ergonomics 5.7 / 20
Commercial Clarity 6.8 / 20
Operational Transparency 0.7 / 13
Governance 0.0 / 12
Discoverability 8.8 / 10
Regulatory · Banking & Open Finance 4.6 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 0 / 12
Machine-Readable Auth 0 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
57
Axos Bank Emerging human only Regional

Axos Bank is a branchless, digital-first federal savings bank chartered

Composite
23.1
Agent
9.6
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 23.1/100 · emerging
Contract Quality 0.0 / 25
Developer Ergonomics 6.5 / 20
Commercial Clarity 4.2 / 20
Operational Transparency 0.0 / 13
Governance 0.0 / 12
Discoverability 8.8 / 10
Regulatory · Banking & Open Finance 6.5 / 15
Agent readiness — 10/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 0 / 12
Machine-Readable Auth 10 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
58
UMB Bank Emerging human only Regional

UMB Bank, National Association is the primary banking subsidiary of UMB

Composite
21.6
Agent
0.0
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 21.6/100 · emerging
Contract Quality 0.0 / 25
Developer Ergonomics 5.2 / 20
Commercial Clarity 6.8 / 20
Operational Transparency 0.0 / 13
Governance 0.0 / 12
Discoverability 8.0 / 10
Regulatory · Banking & Open Finance 4.6 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 0 / 12
Machine-Readable Auth 0 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
59
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
21.5
Agent
0.0
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 21.5/100 · emerging
Contract Quality 0.0 / 25
Developer Ergonomics 7.0 / 20
Commercial Clarity 4.2 / 20
Operational Transparency 0.0 / 13
Governance 0.0 / 12
Discoverability 8.8 / 10
Regulatory · Banking & Open Finance 4.6 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 0 / 12
Machine-Readable Auth 0 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
60
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
20.3
Agent
0.0
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 20.3/100 · emerging
Contract Quality 0.0 / 25
Developer Ergonomics 1.3 / 20
Commercial Clarity 6.8 / 20
Operational Transparency 1.4 / 13
Governance 0.0 / 12
Discoverability 6.8 / 10
Regulatory · Banking & Open Finance 6.5 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 0 / 12
Machine-Readable Auth 0 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
61
EverBank Emerging human only Regional

EverBank, N.A. is a Jacksonville, Florida based national bank (Member

Composite
20.2
Agent
0.0
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 20.2/100 · emerging
Contract Quality 0.0 / 25
Developer Ergonomics 1.3 / 20
Commercial Clarity 8.9 / 20
Operational Transparency 1.4 / 13
Governance 0.0 / 12
Discoverability 6.8 / 10
Regulatory · Banking & Open Finance 4.6 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 0 / 12
Machine-Readable Auth 0 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
62
Discover Financial Services screenshot
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
19.7
Agent
0.0
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 19.7/100 · emerging
Contract Quality 0.0 / 25
Developer Ergonomics 2.2 / 20
Commercial Clarity 2.1 / 20
Operational Transparency 2.1 / 13
Governance 0.0 / 12
Discoverability 8.8 / 10
Regulatory · Banking & Open Finance 6.9 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 0 / 12
Machine-Readable Auth 0 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
63
Wintrust Financial screenshot
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
19.5
Agent
6.7
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 19.5/100 · emerging
Contract Quality 0.0 / 25
Developer Ergonomics 2.2 / 20
Commercial Clarity 5.8 / 20
Operational Transparency 2.7 / 13
Governance 0.0 / 12
Discoverability 8.0 / 10
Regulatory · Banking & Open Finance 3.6 / 15
Agent readiness — 7/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 0 / 12
Machine-Readable Auth 0 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 7 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
64
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
19.2
Agent
6.7
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 19.2/100 · emerging
Contract Quality 0.0 / 25
Developer Ergonomics 4.3 / 20
Commercial Clarity 2.1 / 20
Operational Transparency 2.1 / 13
Governance 0.0 / 12
Discoverability 8.0 / 10
Regulatory · Banking & Open Finance 5.2 / 15
Agent readiness — 7/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 0 / 12
Machine-Readable Auth 0 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 4 / 4
Consent & Bot Identity 3 / 3
65
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
18.3
Agent
0.0
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 18.3/100 · emerging
Contract Quality 0.0 / 25
Developer Ergonomics 1.3 / 20
Commercial Clarity 6.8 / 20
Operational Transparency 0.0 / 13
Governance 0.0 / 12
Discoverability 8.0 / 10
Regulatory · Banking & Open Finance 4.6 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 0 / 12
Machine-Readable Auth 0 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
66
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
17.8
Agent
9.6
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 17.8/100 · emerging
Contract Quality 0.0 / 25
Developer Ergonomics 5.7 / 20
Commercial Clarity 0.0 / 20
Operational Transparency 0.0 / 13
Governance 0.0 / 12
Discoverability 8.8 / 10
Regulatory · Banking & Open Finance 5.6 / 15
Agent readiness — 10/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 0 / 12
Machine-Readable Auth 10 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
67
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
17.5
Agent
0.0
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 17.5/100 · emerging
Contract Quality 0.0 / 25
Developer Ergonomics 3.0 / 20
Commercial Clarity 4.2 / 20
Operational Transparency 0.0 / 13
Governance 0.0 / 12
Discoverability 8.0 / 10
Regulatory · Banking & Open Finance 4.6 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 0 / 12
Machine-Readable Auth 0 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
68
Dave Emerging human only Digital & Neobank

'Dave is a U.S. consumer financial-technology company (Nasdaq: DAVE), founded in 2016

Composite
17.4
Agent
0.0
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 17.4/100 · emerging
Contract Quality 0.0 / 25
Developer Ergonomics 1.3 / 20
Commercial Clarity 6.3 / 20
Operational Transparency 0.7 / 13
Governance 0.0 / 12
Discoverability 6.8 / 10
Regulatory · Banking & Open Finance 4.6 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 0 / 12
Machine-Readable Auth 0 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
69
BECU Emerging human only Credit Union

BECU (Boeing Employees' Credit Union) is a member-owned, not-for-profit

Composite
17.2
Agent
0.0
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 17.2/100 · emerging
Contract Quality 0.0 / 25
Developer Ergonomics 1.3 / 20
Commercial Clarity 6.8 / 20
Operational Transparency 0.0 / 13
Governance 0.0 / 12
Discoverability 6.8 / 10
Regulatory · Banking & Open Finance 4.6 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 0 / 12
Machine-Readable Auth 0 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
70
First Hawaiian Bank Emerging human only Regional

First Hawaiian Bank is Hawaii's oldest and largest financial institution,

Composite
17.2
Agent
3.8
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 17.2/100 · emerging
Contract Quality 0.0 / 25
Developer Ergonomics 2.6 / 20
Commercial Clarity 4.2 / 20
Operational Transparency 0.0 / 13
Governance 0.0 / 12
Discoverability 8.0 / 10
Regulatory · Banking & Open Finance 4.6 / 15
Agent readiness — 4/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 0 / 12
Machine-Readable Auth 0 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 4 / 4
Consent & Bot Identity 0 / 3
71
Cadence Bank Emerging human only Regional

Cadence Bank is a regional U.S. commercial bank headquartered in Tupelo,

Composite
16.8
Agent
0.0
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 16.8/100 · emerging
Contract Quality 0.0 / 25
Developer Ergonomics 0.9 / 20
Commercial Clarity 6.8 / 20
Operational Transparency 0.0 / 13
Governance 0.0 / 12
Discoverability 6.8 / 10
Regulatory · Banking & Open Finance 4.6 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 0 / 12
Machine-Readable Auth 0 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
72
Associated Bank Emerging human only Regional

Associated Bank, N.A. is the primary banking subsidiary of Associated

Composite
16.1
Agent
0.0
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 16.1/100 · emerging
Contract Quality 0.0 / 25
Developer Ergonomics 1.3 / 20
Commercial Clarity 4.2 / 20
Operational Transparency 0.0 / 13
Governance 0.0 / 12
Discoverability 8.0 / 10
Regulatory · Banking & Open Finance 4.6 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 0 / 12
Machine-Readable Auth 0 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
73
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
16.1
Agent
0.0
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 16.1/100 · emerging
Contract Quality 0.0 / 25
Developer Ergonomics 2.6 / 20
Commercial Clarity 4.2 / 20
Operational Transparency 0.0 / 13
Governance 0.0 / 12
Discoverability 6.8 / 10
Regulatory · Banking & Open Finance 4.6 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 0 / 12
Machine-Readable Auth 0 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
74
Comerica screenshot
Comerica Emerging 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
16.1
Agent
0.0
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 16.1/100 · emerging
Contract Quality 0.0 / 25
Developer Ergonomics 1.3 / 20
Commercial Clarity 4.2 / 20
Operational Transparency 1.4 / 13
Governance 0.0 / 12
Discoverability 6.8 / 10
Regulatory · Banking & Open Finance 4.6 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 0 / 12
Machine-Readable Auth 0 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
75
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
16.1
Agent
0.0
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 16.1/100 · emerging
Contract Quality 0.0 / 25
Developer Ergonomics 1.3 / 20
Commercial Clarity 4.2 / 20
Operational Transparency 0.0 / 13
Governance 0.0 / 12
Discoverability 8.0 / 10
Regulatory · Banking & Open Finance 4.6 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 0 / 12
Machine-Readable Auth 0 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
76
Frost Bank Emerging 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
16.1
Agent
0.0
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 16.1/100 · emerging
Contract Quality 0.0 / 25
Developer Ergonomics 1.3 / 20
Commercial Clarity 4.2 / 20
Operational Transparency 1.4 / 13
Governance 0.0 / 12
Discoverability 6.8 / 10
Regulatory · Banking & Open Finance 4.6 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 0 / 12
Machine-Readable Auth 0 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
77
Webster Bank Emerging 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
16.1
Agent
0.0
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 16.1/100 · emerging
Contract Quality 0.0 / 25
Developer Ergonomics 2.6 / 20
Commercial Clarity 4.2 / 20
Operational Transparency 0.0 / 13
Governance 0.0 / 12
Discoverability 6.8 / 10
Regulatory · Banking & Open Finance 4.6 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 0 / 12
Machine-Readable Auth 0 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
78
First Tech Federal Credit Union Emerging human only Credit Union

First Tech Federal Credit Union is a federally chartered, member-owned,

Composite
15.9
Agent
3.8
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 15.9/100 · emerging
Contract Quality 0.0 / 25
Developer Ergonomics 1.3 / 20
Commercial Clarity 6.8 / 20
Operational Transparency 0.0 / 13
Governance 0.0 / 12
Discoverability 6.8 / 10
Regulatory · Banking & Open Finance 3.3 / 15
Agent readiness — 4/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 0 / 12
Machine-Readable Auth 0 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 4 / 4
Consent & Bot Identity 0 / 3
79
America First Credit Union Emerging human only Credit Union

America First Credit Union is a federally chartered, NCUA-insured credit

Composite
15.8
Agent
0.0
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 15.8/100 · emerging
Contract Quality 0.0 / 25
Developer Ergonomics 0.9 / 20
Commercial Clarity 4.2 / 20
Operational Transparency 1.4 / 13
Governance 0.0 / 12
Discoverability 6.8 / 10
Regulatory · Banking & Open Finance 4.6 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 0 / 12
Machine-Readable Auth 0 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
80
Atlantic Union Bank Emerging 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
15.8
Agent
3.8
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 15.8/100 · emerging
Contract Quality 0.0 / 25
Developer Ergonomics 0.9 / 20
Commercial Clarity 4.2 / 20
Operational Transparency 1.4 / 13
Governance 0.0 / 12
Discoverability 6.8 / 10
Regulatory · Banking & Open Finance 4.6 / 15
Agent readiness — 4/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 0 / 12
Machine-Readable Auth 0 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 4 / 4
Consent & Bot Identity 0 / 3
81
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
15.7
Agent
0.0
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 15.7/100 · emerging
Contract Quality 0.0 / 25
Developer Ergonomics 0.9 / 20
Commercial Clarity 4.2 / 20
Operational Transparency 0.0 / 13
Governance 0.0 / 12
Discoverability 8.0 / 10
Regulatory · Banking & Open Finance 4.6 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 0 / 12
Machine-Readable Auth 0 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
82
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
15.7
Agent
0.0
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 15.7/100 · emerging
Contract Quality 0.0 / 25
Developer Ergonomics 0.9 / 20
Commercial Clarity 4.2 / 20
Operational Transparency 0.0 / 13
Governance 0.0 / 12
Discoverability 8.0 / 10
Regulatory · Banking & Open Finance 4.6 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 0 / 12
Machine-Readable Auth 0 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
83
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
15.6
Agent
0.0
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 15.6/100 · emerging
Contract Quality 0.0 / 25
Developer Ergonomics 3.0 / 20
Commercial Clarity 4.7 / 20
Operational Transparency 0.0 / 13
Governance 0.0 / 12
Discoverability 6.8 / 10
Regulatory · Banking & Open Finance 3.3 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 0 / 12
Machine-Readable Auth 0 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
84
Old National Bank Emerging 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
15.6
Agent
0.0
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 15.6/100 · emerging
Contract Quality 0.0 / 25
Developer Ergonomics 1.3 / 20
Commercial Clarity 4.2 / 20
Operational Transparency 0.7 / 13
Governance 0.0 / 12
Discoverability 6.8 / 10
Regulatory · Banking & Open Finance 4.6 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 0 / 12
Machine-Readable Auth 0 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
85
Valley National Bank Emerging 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
15.6
Agent
0.0
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 15.6/100 · emerging
Contract Quality 0.0 / 25
Developer Ergonomics 1.3 / 20
Commercial Clarity 4.2 / 20
Operational Transparency 0.7 / 13
Governance 0.0 / 12
Discoverability 6.8 / 10
Regulatory · Banking & Open Finance 4.6 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 0 / 12
Machine-Readable Auth 0 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
86
State Employees' Credit Union Emerging 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
15.4
Agent
0.0
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 15.4/100 · emerging
Contract Quality 0.0 / 25
Developer Ergonomics 1.7 / 20
Commercial Clarity 4.2 / 20
Operational Transparency 0.0 / 13
Governance 0.0 / 12
Discoverability 6.8 / 10
Regulatory · Banking & Open Finance 4.6 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 0 / 12
Machine-Readable Auth 0 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
87
Bank OZK Emerging human only Regional

Bank OZK is a regional bank headquartered in Little Rock, Arkansas, tracing

Composite
15.0
Agent
0.0
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 15.0/100 · emerging
Contract Quality 0.0 / 25
Developer Ergonomics 1.3 / 20
Commercial Clarity 4.2 / 20
Operational Transparency 0.0 / 13
Governance 0.0 / 12
Discoverability 6.8 / 10
Regulatory · Banking & Open Finance 4.6 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 0 / 12
Machine-Readable Auth 0 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
88
Barclays US Emerging 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
15.0
Agent
0.0
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 15.0/100 · emerging
Contract Quality 0.0 / 25
Developer Ergonomics 1.3 / 20
Commercial Clarity 4.2 / 20
Operational Transparency 0.0 / 13
Governance 0.0 / 12
Discoverability 6.8 / 10
Regulatory · Banking & Open Finance 4.6 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 0 / 12
Machine-Readable Auth 0 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
89
DCU (Digital Federal Credit Union) Emerging 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
15.0
Agent
0.0
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 15.0/100 · emerging
Contract Quality 0.0 / 25
Developer Ergonomics 1.3 / 20
Commercial Clarity 4.2 / 20
Operational Transparency 0.0 / 13
Governance 0.0 / 12
Discoverability 6.8 / 10
Regulatory · Banking & Open Finance 4.6 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 0 / 12
Machine-Readable Auth 0 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
Minimal 24 0–14.9 Index entry only; little beyond a description and a link.
90
UBS Bank USA Minimal 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
14.9
Agent
6.7
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 14.9/100 · minimal
Contract Quality 0.0 / 25
Developer Ergonomics 4.8 / 20
Commercial Clarity 0.0 / 20
Operational Transparency 1.4 / 13
Governance 0.0 / 12
Discoverability 6.8 / 10
Regulatory · Banking & Open Finance 3.9 / 15
Agent readiness — 7/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 0 / 12
Machine-Readable Auth 0 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 4 / 4
Consent & Bot Identity 3 / 3
91
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
14.8
Agent
0.0
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 14.8/100 · minimal
Contract Quality 0.0 / 25
Developer Ergonomics 0.4 / 20
Commercial Clarity 4.2 / 20
Operational Transparency 0.7 / 13
Governance 0.0 / 12
Discoverability 6.8 / 10
Regulatory · Banking & Open Finance 4.6 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 0 / 12
Machine-Readable Auth 0 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
92
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
14.7
Agent
0.0
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 14.7/100 · minimal
Contract Quality 0.0 / 25
Developer Ergonomics 1.3 / 20
Commercial Clarity 4.7 / 20
Operational Transparency 0.7 / 13
Governance 0.0 / 12
Discoverability 6.8 / 10
Regulatory · Banking & Open Finance 3.3 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 0 / 12
Machine-Readable Auth 0 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
93
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
14.6
Agent
0.0
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 14.6/100 · minimal
Contract Quality 0.0 / 25
Developer Ergonomics 0.9 / 20
Commercial Clarity 4.2 / 20
Operational Transparency 0.0 / 13
Governance 0.0 / 12
Discoverability 6.8 / 10
Regulatory · Banking & Open Finance 4.6 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 0 / 12
Machine-Readable Auth 0 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
94
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
14.6
Agent
0.0
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 14.6/100 · minimal
Contract Quality 0.0 / 25
Developer Ergonomics 0.9 / 20
Commercial Clarity 4.2 / 20
Operational Transparency 0.0 / 13
Governance 0.0 / 12
Discoverability 6.8 / 10
Regulatory · Banking & Open Finance 4.6 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 0 / 12
Machine-Readable Auth 0 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
95
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
14.6
Agent
0.0
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 14.6/100 · minimal
Contract Quality 0.0 / 25
Developer Ergonomics 0.9 / 20
Commercial Clarity 4.2 / 20
Operational Transparency 0.0 / 13
Governance 0.0 / 12
Discoverability 6.8 / 10
Regulatory · Banking & Open Finance 4.6 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 0 / 12
Machine-Readable Auth 0 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
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
14.6
Agent
0.0
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 14.6/100 · minimal
Contract Quality 0.0 / 25
Developer Ergonomics 0.9 / 20
Commercial Clarity 4.2 / 20
Operational Transparency 0.0 / 13
Governance 0.0 / 12
Discoverability 6.8 / 10
Regulatory · Banking & Open Finance 4.6 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 0 / 12
Machine-Readable Auth 0 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
97
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
14.6
Agent
0.0
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 14.6/100 · minimal
Contract Quality 0.0 / 25
Developer Ergonomics 0.9 / 20
Commercial Clarity 4.2 / 20
Operational Transparency 0.0 / 13
Governance 0.0 / 12
Discoverability 6.8 / 10
Regulatory · Banking & Open Finance 4.6 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 0 / 12
Machine-Readable Auth 0 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
98
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
14.6
Agent
0.0
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 14.6/100 · minimal
Contract Quality 0.0 / 25
Developer Ergonomics 0.9 / 20
Commercial Clarity 4.2 / 20
Operational Transparency 0.0 / 13
Governance 0.0 / 12
Discoverability 6.8 / 10
Regulatory · Banking & Open Finance 4.6 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 0 / 12
Machine-Readable Auth 0 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
99
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
14.5
Agent
0.0
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 14.5/100 · minimal
Contract Quality 0.0 / 25
Developer Ergonomics 1.7 / 20
Commercial Clarity 4.7 / 20
Operational Transparency 0.0 / 13
Governance 0.0 / 12
Discoverability 6.8 / 10
Regulatory · Banking & Open Finance 3.3 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 0 / 12
Machine-Readable Auth 0 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
100
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
14.1
Agent
0.0
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 14.1/100 · minimal
Contract Quality 0.0 / 25
Developer Ergonomics 1.3 / 20
Commercial Clarity 4.7 / 20
Operational Transparency 0.0 / 13
Governance 0.0 / 12
Discoverability 6.8 / 10
Regulatory · Banking & Open Finance 3.3 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 0 / 12
Machine-Readable Auth 0 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
101
BOK Financial screenshot
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
12.9
Agent
0.0
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 12.9/100 · minimal
Contract Quality 0.0 / 25
Developer Ergonomics 1.3 / 20
Commercial Clarity 2.1 / 20
Operational Transparency 0.0 / 13
Governance 0.0 / 12
Discoverability 8.0 / 10
Regulatory · Banking & Open Finance 3.3 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 0 / 12
Machine-Readable Auth 0 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
102
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
12.9
Agent
0.0
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 12.9/100 · minimal
Contract Quality 0.0 / 25
Developer Ergonomics 1.3 / 20
Commercial Clarity 2.1 / 20
Operational Transparency 0.0 / 13
Governance 0.0 / 12
Discoverability 8.0 / 10
Regulatory · Banking & Open Finance 3.3 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 0 / 12
Machine-Readable Auth 0 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
103
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
12.8
Agent
0.0
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 12.8/100 · minimal
Contract Quality 0.0 / 25
Developer Ergonomics 4.8 / 20
Commercial Clarity 0.0 / 20
Operational Transparency 0.0 / 13
Governance 0.0 / 12
Discoverability 8.0 / 10
Regulatory · Banking & Open Finance 2.0 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 0 / 12
Machine-Readable Auth 0 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
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
12.3
Agent
0.0
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 12.3/100 · minimal
Contract Quality 0.0 / 25
Developer Ergonomics 1.7 / 20
Commercial Clarity 2.1 / 20
Operational Transparency 0.0 / 13
Governance 0.0 / 12
Discoverability 6.8 / 10
Regulatory · Banking & Open Finance 3.3 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 0 / 12
Machine-Readable Auth 0 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
105
Randolph-Brooks FCU Minimal human only Credit Union

Randolph-Brooks Federal Credit Union (RBFCU) is a member-owned, not-for-profit

Composite
11.9
Agent
0.0
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 11.9/100 · minimal
Contract Quality 0.0 / 25
Developer Ergonomics 1.3 / 20
Commercial Clarity 2.1 / 20
Operational Transparency 0.0 / 13
Governance 0.0 / 12
Discoverability 6.8 / 10
Regulatory · Banking & Open Finance 3.3 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 0 / 12
Machine-Readable Auth 0 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
106
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
11.5
Agent
0.0
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 11.5/100 · minimal
Contract Quality 0.0 / 25
Developer Ergonomics 0.9 / 20
Commercial Clarity 2.1 / 20
Operational Transparency 0.0 / 13
Governance 0.0 / 12
Discoverability 6.8 / 10
Regulatory · Banking & Open Finance 3.3 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 0 / 12
Machine-Readable Auth 0 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
107
Ally Financial screenshot
Ally Financial Minimal human only 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
9.3
Agent
0.0
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 9.3/100 · minimal
Contract Quality 0.0 / 25
Developer Ergonomics 0.0 / 20
Commercial Clarity 0.0 / 20
Operational Transparency 0.7 / 13
Governance 0.0 / 12
Discoverability 8.0 / 10
Regulatory · Banking & Open Finance 2.0 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 0 / 12
Machine-Readable Auth 0 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
108
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
9.2
Agent
0.0
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 9.2/100 · minimal
Contract Quality 0.0 / 25
Developer Ergonomics 1.7 / 20
Commercial Clarity 0.0 / 20
Operational Transparency 0.0 / 13
Governance 0.0 / 12
Discoverability 6.8 / 10
Regulatory · Banking & Open Finance 2.0 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 0 / 12
Machine-Readable Auth 0 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
109
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
7.7
Agent
0.0
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 7.7/100 · minimal
Contract Quality 0.0 / 25
Developer Ergonomics 0.0 / 20
Commercial Clarity 0.0 / 20
Operational Transparency 0.0 / 13
Governance 0.0 / 12
Discoverability 6.8 / 10
Regulatory · Banking & Open Finance 2.0 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 0 / 12
Machine-Readable Auth 0 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
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
7.7
Agent
0.0
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 7.7/100 · minimal
Contract Quality 0.0 / 25
Developer Ergonomics 0.0 / 20
Commercial Clarity 0.0 / 20
Operational Transparency 0.0 / 13
Governance 0.0 / 12
Discoverability 6.8 / 10
Regulatory · Banking & Open Finance 2.0 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 0 / 12
Machine-Readable Auth 0 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
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
7.7
Agent
0.0
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 7.7/100 · minimal
Contract Quality 0.0 / 25
Developer Ergonomics 0.0 / 20
Commercial Clarity 0.0 / 20
Operational Transparency 0.0 / 13
Governance 0.0 / 12
Discoverability 6.8 / 10
Regulatory · Banking & Open Finance 2.0 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 0 / 12
Machine-Readable Auth 0 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
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
7.7
Agent
0.0
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 7.7/100 · minimal
Contract Quality 0.0 / 25
Developer Ergonomics 0.0 / 20
Commercial Clarity 0.0 / 20
Operational Transparency 0.0 / 13
Governance 0.0 / 12
Discoverability 6.8 / 10
Regulatory · Banking & Open Finance 2.0 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 0 / 12
Machine-Readable Auth 0 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
113
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
7.7
Agent
0.0
Kin Score Kin Score How this is scored →
scored 2026-07-23 · rubric v0.5
Composite quality — 7.7/100 · minimal
Contract Quality 0.0 / 25
Developer Ergonomics 0.0 / 20
Commercial Clarity 0.0 / 20
Operational Transparency 0.0 / 13
Governance 0.0 / 12
Discoverability 6.8 / 10
Regulatory · Banking & Open Finance 2.0 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 0 / 12
Machine-Readable Auth 0 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3