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 is listed with 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 📡 Profile data on GitHub

21.6/100 emerging ▬ flat Agent 15/100 agent aware Front door AI 3/6 light saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

AccessSelf serve

1 API 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 2026-11-06 · rubric v0.27.0

Composite quality — 21.6/100 · 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 6.2 / 9

Regulatory Posture 5.6 / 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

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/.

Show this score on your site.

It updates itself when the score changes. Paste this where you link to your API docs:

<a href="https://apis.io/providers/copper-banking/"><img src="https://apis.io/badge/copper-banking/card.svg" alt="Copper Banking on APIs.io — Kin Score by API Evangelist"></a>

Other styles, a README pill and a shields.io endpoint are on the badge page.

Raise your score.

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

Machine-Readable Contract +18 pts — api_specs includes an OpenAPI document
MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
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)
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0

10 more unmet checks in the Agent Readiness table above.

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

Contract Quality scores 0.0 — up to +25.0 composite points
Developer Ergonomics scores 19.0 — up to +16.2 composite points
Access Clarity scores 28.9 — up to +14.2 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/copper-banking/apis.yml: open an issue on github.com/api-evangelist/copper-banking 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 →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
Consumer Lending Licensing (UK, US, Canada credit licence registers)	undeclared	-	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Standards implemented 2

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)

tagged — the provider's own APIs.json carries the standard as a tag; implementation not verified

Dynamic Client Registration

measured — observed by APIs.io (published)

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

Remote MCP server at mcp.getcopper.com.

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
  gated: none
  gated_source:
  - onboarding
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  - scopes
  - security
  generated: '2026-11-06'
  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
- Financial-Services
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
  - OAuth
  - Agents
  - Authentication
  tags_raw:
  - Model Context Protocol
  - OAuth
  - Agents
  - Authentication
  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

Copper Banking API — frequently asked questions

Does Copper Banking have an API?

Yes. APIs.io lists 1 API from Copper Banking, including Copper MCP Server.

How do I authenticate with the Copper Banking API?

Copper Banking documents its authentication (oauth2 · 1 scheme). The details are profiled on APIs.io as Copper Banking Authentication.

Does Copper Banking have an MCP server?

Yes. APIs.io lists 1 MCP server for Copper Banking: Remote MCP server at mcp.getcopper.com.

Is the Copper Banking API ready for AI agents?

Copper Banking has a Kin Score of 21.6 out of 100 (emerging) and an Agent Readiness score of 15.1 (agent-aware), scored by API Evangelist on 2026-11-06.

Work with this as data

Every provider here is available over the APIs.io API and to AI agents over MCP.

MCP server

One button, every client — Claude, Cursor, VS Code and the rest.

https://apis.io/mcp

Tools for providers

9 MCP tools reach this

find_providersBrowse and filter every provider in the catalog.
get_provider_artifactsEvery artifact this provider publishes, grouped by type.
get_provider_operationsEvery operation across all of their OpenAPIs — one call instead of parsing every spec.
get_provider_toolsEvery MCP tool they ship, with the operation each wraps.
get_provider_evidenceHow each part of their score was established. Free — the basis for a claim should not sit behind it.
get_provider_ratingPRO — composite, band, trend and facet scores.
apis_io_searchSTART HERE — APIs, providers and tags for one query, each with its total.
resolveTurn a domain, URL or GitHub org into the provider it belongs to.
find_cohortsEvery scored population of providers in the catalog.

All 92 tools →

Call it yourself

curl for this page

This provider

curl "https://apis.io/api/v1/providers/copper-banking"

All providers

curl "https://apis.io/api/v1/providers?limit=25"

Every operation they expose

curl "https://apis.io/api/v1/providers/copper-banking/operations?limit=25"

How their score was established

curl "https://apis.io/api/v1/providers/copper-banking/evidence"

Calls without X-API-Key need no key. Calls with it need a paid plan — get a key.

Get an API key

Free tier, no form to fill in. Signing in shares your email address with us — we store it to create your key and to recognise you if you sign in with another provider. See our Privacy Policy and Terms.

GitHub Google LinkedIn

A second provider on the same verified email joins the account you already have.