# Bancadia

**Canonical:** https://apis.io/providers/bancadia-com/  
**Website:** https://bancadia.com/  
**APIs profiled:** 1

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.

## Kin Score — 22.6 / 100 (emerging)

Scored 2026-11-06 under rubric 0.27.0. Trend: falling (-6.0 from 28.6).

| Facet | Score |
|---|---|
| Discoverability | 56.7 |
| Contract Quality | 20.9 |
| Contract Governance | 22.0 |
| Operational Transparency | 21.1 |
| Developer Ergonomics | 31.0 |
| Access Clarity | 6.6 |

Regulatory layer — **Banking & Open Finance**: 12.6 (matched via tags).

## Agent readiness — 26.8 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | documented |
| Auth Clarity | bearer |
| Idempotency | no |
| Error Semantics | documented |
| OpenAPI Examples | verified |
| Rate Limit Signal | documented |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |
| Delegated Identity | no |
| Protected Resource Metadata | no |
| Dynamic Client Registration | no |
| Agentic Commerce | no |
| Pagination Ratio | na |
| Operation Distinctiveness | na |
| MCP Tool Quality | na |

## Access

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## APIs (1)

- **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)

- **Bancadia MCP Server** — Remote MCP server at mcp.bancadia.com requiring an API key.

## Security (2)

- **Bancadia Com Authentication** — 1 scheme
- **Bancadia Com Domain Security** — TLSv1.3

## Tags

Fintech, Banking, Artificial Intelligence, DataLayer

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/bancadia-com/). Scores are computed from the provider's own public artifacts under a published rubric.