Bancadia

Bancadia provides a data‑layer API that AI agents use to recommend U.S. business banking products. It offers a verified, real‑time registry of business checking accounts, exposing fees, rates, eligibility, and features through a single Model Context Protocol (MCP) call. The service is free for developers, supports fifteen optional filters, and includes product listings, comparison matrices, and explainer articles. Bancadia aims to simplify bank‑account selection for agents, fintechs, and advisors while earning affiliate commissions on funded accounts.

Bancadia is listed with 1 API on the APIs.io network. Tagged areas include Fintech, Banking, Artificial Intelligence, and DataLayer.

The Bancadia catalog on APIs.io includes 1 JSON-LD context and 1 Spectral governance ruleset.

Bancadia’s developer surface includes authentication, documentation, API reference, getting-started guide, signup flow, and 15 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

22.6/100 emerging ▼ -6.0 Agent 27/100 agent aware Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

1 API 1 MCP Servers

Fintech Banking Artificial IntelligenceDataLayer

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 22.6/100 · emerging

Contract Quality 4.4 / 21

Developer Ergonomics 5.3 / 17

Access Clarity 1.1 / 17

Operational Transparency 2.3 / 11

Contract Governance 2.2 / 10

Discoverability 4.8 / 9

Regulatory Posture 1.9 / 15

Agent readiness — 27/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 12 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 7 / 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

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Banking & Open Finance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document
Delegated User Identity +6 pts — a served discovery document listing authorization_code in grant_types_supported (served), else an oauth2 authorizationCode flow or openIdConnect declared in an OpenAPI (documented)
Typed Event Surface +6 pts — AsyncAPI document, OR webhooks/callbacks objects in the as-published OpenAPI, OR common[].type includes Webhooks

7 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Contract Quality scores 20.9 — up to +19.8 composite points
Access Clarity scores 6.6 — up to +18.7 composite points
Developer Ergonomics scores 31.0 — up to +13.8 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/bancadia-com/apis.yml: open an issue on github.com/api-evangelist/bancadia-com to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Standards implemented 1

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

Model Context Protocol (MCP)

measured — observed by APIs.io (documented)

APIs 1

Individual APIs this provider publishes, each with its own machine-readable definition.

Bancadia API

Bancadia API as documented publicly: 1 operations. Contract generated from the documentation by API Evangelist (2026-11-02); not the provider's own document.

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

Bancadia MCP Server

Remote MCP server at mcp.bancadia.com requiring an API key.

MCP SERVER

Bancadia API pricing

Rate limits

tools/call rate limit: 100 requests per 60 seconds per token

Rate-limit details →

Rate Limits 1

Documented rate limits and quota policies.

Bancadia Com Rate Limits

1 limits

RATE LIMITS

Semantic Vocabularies 1

JSON-LD contexts and semantic vocabularies used across these APIs.

Bancadia Com Context

2 classes · 5 properties

JSON-LD

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Bancadia API Rules

31 rules · 29 errors 1 warnings 1 info

SPECTRAL

OpenAPI Overlays 1

Overlays applied on top of this provider's contracts. Each card says who wrote it: a document the provider publishes, or one API Evangelist derived or generated.

Bancadia Com Openapi Generated Overlay

0 actions · update

UNRECORDED

JSON Schema 2

Standalone JSON Schema definitions for this provider's data models.

PostRequest

4 properties

JSON SCHEMA

PostResponse

1 properties

JSON SCHEMA

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Bancadia Com Authentication

1 scheme

SECURITY

Bancadia Com Domain Security

TLSv1.3

SECURITY

Resources

Get Started 3

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

GettingStarted

GettingStarted

SignUp

SignUp

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

MCPServer

MCPServer

Design & Contract 6

Pagination, idempotency, versioning, errors, and events

Spectral

JSONLD

Vocabulary

DataModel

ErrorCatalog

Conformance

Build 1

SDKs, sample code, and the tooling you integrate with

ToolCrosswalk

ToolCrosswalk

Access & Security 2

Authentication, authorization, and security posture

Authentication

Authentication

DomainSecurity

DomainSecurity

Operate 1

Status, limits, changes, and where to get help

RateLimits

RateLimits

Company 1

The organization behind the API

Website

Website

Other 2

Properties that don't map to a standard resource type

Hosts

Hosts

Vendors

Vendors

Source (apis.yml)

aid: bancadia-com
name: Bancadia
description: Bancadia provides a data‑layer API that AI agents use to recommend U.S. business banking products. It offers
  a verified, real‑time registry of business checking accounts, exposing fees, rates, eligibility, and features through a
  single Model Context Protocol (MCP) call. The service is free for developers, supports fifteen optional filters, and includes
  product listings, comparison matrices, and explainer articles. Bancadia aims to simplify bank‑account selection for agents,
  fintechs, and advisors while earning affiliate commissions on funded accounts.
url: https://artifacts.apis.io/bancadia-com/apis.yml
x-type: company
x-source: harvest:mcp-registry
x-tier: profiled
x-tier-reason: enrichment pass 2026-11-02 (modular-v1; was harvest)
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  probe_state: gated
  source:
  - authentication
  - rate-limits
  - security
  generated: '2026-11-06'
  method: derived
specificationVersion: '0.20'
created: '2026-11-02'
modified: '2026-11-02'
tags:
- Fintech
- Banking
- Artificial Intelligence
- DataLayer
tags_raw:
- FinTech
- Banking
- AI
- DataLayer
- API
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
image: https://bancadia.com/_next/image?url=%2Fbancadia-logo.jpg&w=256&q=75
common:
- type: RateLimits
  url: rate-limits/bancadia-com-rate-limits.yml
- type: Spectral
  url: rules/bancadia-com-rules.yml
- type: JSONLD
  url: json-ld/bancadia-com-context.jsonld
- type: Vocabulary
  url: vocabulary/bancadia-com-vocabulary.yml
- type: DataModel
  url: data-model/bancadia-com-data-model.yml
- type: Authentication
  url: authentication/bancadia-com-authentication.yml
- type: ErrorCatalog
  url: errors/bancadia-com-problem-types.yml
- type: Conformance
  url: conformance/bancadia-com-conformance.yml
- type: LLMsTxt
  url: llms/bancadia-com-llms.txt
- type: ToolCrosswalk
  url: mcp/bancadia-com-tool-crosswalk.yml
- type: MCPServer
  url: mcp/bancadia-com-mcp.yml
- type: Hosts
  url: hosts/bancadia-com-hosts.yml
- type: Vendors
  url: vendors/bancadia-com-vendors.yml
- type: DomainSecurity
  url: security/bancadia-com-domain-security.yml
- type: Website
  url: https://bancadia.com/
- type: DeveloperPortal
  url: https://bancadia.com/developer/login
- type: Documentation
  url: https://bancadia.com/docs
- type: APIReference
  url: https://bancadia.com/docs
- type: GettingStarted
  url: https://bancadia.com/docs/quickstart
- type: SignUp
  url: https://bancadia.com/developer/signup
apis:
- aid: bancadia-com:bancadia-com-api
  name: Bancadia API
  description: 'Bancadia API as documented publicly: 1 operations. Contract generated from the documentation by API Evangelist
    (2026-11-02); not the provider''s own document.'
  humanURL: https://bancadia.com/docs/mcp-reference
  baseURL: https://mcp.bancadia.com
  properties:
  - type: OpenAPI
    url: openapi/_ae-authored/bancadia-com-openapi-generated.yml
    x-provenance: generated
  - type: JSONSchema
    url: json-schema/bancadia-com-post-request-schema.json
  - type: JSONSchema
    url: json-schema/bancadia-com-post-response-schema.json
x-coverage:
  state: gated
  reason: partner-login
  method: derived
  generated: '2026-11-02'
  generator: derive-coverage.py (pre-flight evidence)
  detail: the company serves an API surface but requires credentials before any description of it can be read
  evidence:
  - url: https://bancadia.com/api/mcp
    status: 401
  - url: https://bancadia.com/
    status: 200
x-enrichment:
  date: '2026-11-02'
  status: enriched
  artifacts_added: 25
  pass: modular-v1
  engine: identity=oss,contract=oss,surfaces=oss,docs=oss,regulatory=oss

Bancadia API — frequently asked questions

Does Bancadia have an API?

Yes. APIs.io lists 1 API from Bancadia, including Bancadia API.

Is there an OpenAPI specification for the Bancadia API?

Yes. APIs.io indexes 1 OpenAPI specification for Bancadia, each linked for download from this page.

How do I authenticate with the Bancadia API?

Bancadia uses bearer-token authentication (1 scheme). The details are profiled on APIs.io as Bancadia Com Authentication.

Does Bancadia have an MCP server?

Yes. APIs.io lists 1 MCP server for Bancadia: Remote MCP server at mcp.bancadia.com requiring an API key.

Is the Bancadia API ready for AI agents?

Bancadia has a Kin Score of 22.6 out of 100 (emerging) and an Agent Readiness score of 26.8 (agent-aware), scored by API Evangelist on 2026-11-06.

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