# Commerce Bank

**Canonical:** https://apis.io/providers/commerce-bancshares/  
**Website:** https://www.commercebank.com/  
**APIs profiled:** 1

Commerce Bank is the principal banking subsidiary of Commerce Bancshares, Inc. (NASDAQ CBSH), a Missouri-based regional bank holding company with roughly $32 billion in assets and dual headquarters in Kansas City and St. Louis. Commerce Bank is a Missouri state-chartered bank and Federal Reserve member, founded in 1865, offering personal, business, commercial, and wealth-management services across the U.S. Midwest. Its API posture is corporate/embedded-banking oriented rather than a fully open public program: it runs a registration-gated external developer portal (developers.commercebank.com) and a CommercePayments developer platform, and delivers ERP-embedded banking via Commerce Connections Direct. Consumer-permissioned data sharing is largely intermediated through aggregators such as Plaid and platforms like Modern Treasury rather than a documented first-party, self-serve open-banking API. No public FDX or CFPB Section 1033 data-access posture is documented, and no downloadable OpenAPI/Swagger is publicly available.

## Kin Score — 10.7 / 100 (minimal)

Scored 2026-08-21 under rubric 0.12.0. Trend: flat (+0.0 from 10.7).

| Facet | Score |
|---|---|
| Discoverability | 66.7 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 16.7 |
| Commercial Clarity | 17.1 |
| Access Clarity | 17.1 |

Regulatory layer — **Banking & Open Finance**: 12.7 (matched via tags).

## Agent readiness — 0.0 (human-only)

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

## APIs (1)

- **Commerce Bank Developer APIs** — Commerce Bank's corporate API program, published through a registration-gated external developer portal and the CommercePayments developer platform, covering payments, treasury,...

## Security (1)

- **Commerce Bancshares Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Financial-Services, Banking, United States, Regional Bank, Payments, Treasury Management, Embedded Banking, Open Finance, Data Aggregation

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