# Banked

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

Banked is a global account-to-account (A2A) payments network built on open banking that enables real-time pay-by-bank payments for consumers, businesses, and banks. Its API-first platform provides hosted Checkout, Payment Links and QR codes, Payouts, Refunds, Reporting, loyalty (Incentivize), and fraud protection, using bank-native biometric authentication and Strong Customer Authentication (SCA) to move money securely with minimal chargebacks. A single Payments API and Partner API integration gives merchants and platforms access across multiple markets, and Banked ships an official hosted MCP server so agents can create, search, and refund payments over OAuth 2.0.

## Kin Score — 40.9 / 100 (developing)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 40.9).

| Facet | Score |
|---|---|
| Discoverability | 87.0 |
| Contract Quality | 45.1 |
| Governance | 18.2 |
| Contract Governance | 18.2 |
| Operational Transparency | 44.7 |
| Developer Ergonomics | 45.2 |
| Commercial Clarity | 17.1 |
| Access Clarity | 17.1 |

Regulatory layer — **Banking & Open Finance**: 34.2 (matched via tags).

## Agent readiness — 41.9 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | verified |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | yes |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | yes |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: medium).

## APIs (1)

- **Banked Payments API** — Account-to-account payments over open banking — create payment sessions (checkout), payouts, refunds, and webhooks. The Partner API onboards businesses on behalf of platforms. O...

## MCP servers (1)

- **Banked MCP Server**

## Security (3)

- **Banked Authentication** — oauth2 · 1 scheme
- **Banked Domain Security** — TLSv1.3 · HSTS · DMARC
- **Banked Vulnerability Disclosure** — security.txt · contact published

## Tags

Company, Payments, Open Banking, Account-to-Account, Pay by Bank, Fintech, Payment Processing, Payouts

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