Copper Banking

Copper (Copper Banking) is a Seattle-based consumer fintech founded in 2019 by Eddie Behringer and Stefan Berglund that began as a teen banking app and debit card built on the Synapse banking-as-a-service platform. After Synapse's collapse Copper abruptly discontinued its bank deposit accounts and debit cards in May 2024 and repositioned as a financial-empowerment and earning app, where members earn cash and gift-card rewards through cash back, surveys, receipt scanning, games and referrals, alongside financial-literacy content, guides and in-school workshops. Copper publishes no public developer portal, documentation or API specification; the only machine-readable surface reachable without credentials is an OAuth 2.0 authorization server for a Model Context Protocol endpoint at mcp.getcopper.com.

Copper Banking publishes 1 API on the APIs.io network. Tagged areas include Company, Financial-Services, Fintech, Consumer Finance, and Financial Literacy.

Copper Banking’s developer surface includes engineering blog, support, authentication, and 12 more developer resources.

🌐 Visit website 📡 Source on GitHub

23.6/100 emerging ▬ flat Agent 15/100 agent aware saas Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0

AccessSelf serve

1 APIs 1 MCP Servers

Company Financial-Services Fintech Consumer Finance Financial Literacy Rewards Neobank Mobile BankingTeen BankingMCP

Kin Score

Kin Score How this is scored →
scored 2026-09-08 · rubric v0.20.0

Composite quality — 23.6/100 · emerging

Contract Quality 0.0 / 21

Developer Ergonomics 3.2 / 17

Access Clarity 4.9 / 17

Operational Transparency 0.0 / 11

Contract Governance 1.9 / 10

Discoverability 6.5 / 9

Regulatory Posture 8.9 / 15

Agent readiness — 15/100 · agent aware

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

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

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 6 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 6 / 6

Agentic Commerce Well-Known Document 0 / 5

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/.

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 github.com/api-evangelist/copper-banking: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 1

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

Copper MCP Server

An undocumented Model Context Protocol server operated by Copper at mcp.getcopper.com. The host publishes RFC 8414 OAuth 2.0 Authorization Server Metadata at /.well-known/oauth-...

MCP Servers 1

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

Copper Banking MCP Server

MCP SERVER

Security Posture 2

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

Copper Banking Authentication

oauth2 · 1 scheme

SECURITY

Copper Banking Domain Security

TLSv1.3 · DMARC

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Copper Banking Scopes

2 scopes · authorizationCode

2 scopes

SCOPES

Resources

Agent Surfaces 3

MCP servers, agent skills, and machine-readable catalogs

WellKnown

WellKnown

MCPServer

MCPServer

LLMsTxt

LLMsTxt

Design & Contract 2

Pagination, idempotency, versioning, errors, and events

Conformance

Conformance

Lifecycle

Lifecycle

Access & Security 4

Authentication, authorization, and security posture

DomainSecurity

Compliance

OAuthScopes

Authentication

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 2

The organization behind the API

Website

Website

Blog

Blog

Other 1

Properties that don't map to a standard resource type

SecondaryMarket

SecondaryMarket

Source (apis.yml)

aid: copper-banking
name: Copper Banking
description: Copper (Copper Banking) is a Seattle-based consumer fintech founded in 2019 by Eddie Behringer and Stefan Berglund
  that began as a teen banking app and debit card built on the Synapse banking-as-a-service platform. After Synapse's collapse
  Copper abruptly discontinued its bank deposit accounts and debit cards in May 2024 and repositioned as a financial-empowerment
  and earning app, where members earn cash and gift-card rewards through cash back, surveys, receipt scanning, games and referrals,
  alongside financial-literacy content, guides and in-school workshops. Copper publishes no public developer portal, documentation
  or API specification; the only machine-readable surface reachable without credentials is an OAuth 2.0 authorization server
  for a Model Context Protocol endpoint at mcp.getcopper.com.
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  - scopes
  - security
  generated: '2026-09-02'
  method: derived
image: https://cdn.prod.website-files.com/61f9b891f832346a0a7b9f9a/673cf4a1dd4ac006b4602fab_OpenGraph_1200x627.jpg
url: https://raw.githubusercontent.com/api-evangelist/copper-banking/refs/heads/main/apis.yml
x-type: company
x-source: harvest:secondary-market
x-tier: profiled
x-tier-reason: enrichment-pipeline
specificationVersion: '0.23'
created: '2026-08-04'
modified: '2026-08-04'
tags:
- Company
- Financial-Services
- Fintech
- Consumer Finance
- Financial Literacy
- Rewards
- Neobank
- Mobile Banking
- Teen Banking
- MCP
tags_raw:
- Company
- Financial Services
- Fintech
- Consumer Finance
- Financial Literacy
- Rewards
- Neobank
- Mobile Banking
- Teen Banking
- Model Context Protocol
apis:
- name: Copper MCP Server
  description: An undocumented Model Context Protocol server operated by Copper at mcp.getcopper.com. The host publishes RFC
    8414 OAuth 2.0 Authorization Server Metadata at /.well-known/oauth-authorization-server declaring the `mcp` and `offline_access`
    scopes, authorization-code grant with PKCE (S256), refresh tokens, and RFC 7591 dynamic client registration. The MCP transport
    endpoint itself was not discoverable at any conventional path anonymously, so the tool list and input schemas could not
    be introspected. Copper publishes no documentation for this surface.
  humanURL: https://www.getcopper.com/
  baseURL: https://mcp.getcopper.com/
  tags:
  - MCP
  - Authentication
  - Agents
  tags_raw:
  - Model Context Protocol
  - OAuth
  - Agents
  properties:
  - type: MCPServer
    url: mcp/copper-banking-mcp.yml
  - type: OAuthScopes
    url: scopes/copper-banking-scopes.yml
  - type: Authentication
    url: authentication/copper-banking-authentication.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: DomainSecurity
  url: security/copper-banking-domain-security.yml
- type: Website
  url: https://www.getcopper.com/
- type: Blog
  url: https://www.getcopper.com/blog
- type: Support
  url: https://getcopper.zendesk.com/hc/en-us
- type: TermsOfService
  url: https://www.getcopper.com/legal/terms
- type: PrivacyPolicy
  url: https://cdn.prod.website-files.com/61f9b891f832346a0a7b9f9a/65554dcca822725a736a8e84_da54d9e097d505e5874cac4bd7088ba6_Privacy%20Policy_11.20.2023.docx.pdf
- type: Compliance
  url: https://www.getcopper.com/legal/glba
- type: WellKnown
  url: well-known/copper-banking-well-known.yml
- type: MCPServer
  url: mcp/copper-banking-mcp.yml
- type: OAuthScopes
  url: scopes/copper-banking-scopes.yml
- type: Authentication
  url: authentication/copper-banking-authentication.yml
- type: Conformance
  url: conformance/copper-banking-conformance.yml
- type: Lifecycle
  url: lifecycle/copper-banking-lifecycle.yml
- type: LLMsTxt
  url: llms/copper-banking-llms.txt
- type: SecondaryMarket
  url: https://forgeglobal.com/copper-banking_stock/
x-enrichment:
  date: '2026-08-04'
  status: enriched
  artifacts_added: 9
  pass: local-v1

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