Era

Era is an AI-native personal finance platform that connects a user's bank accounts to any MCP-compatible AI assistant — Claude, ChatGPT, Gemini, Cursor, and others — so people can analyze spending, forecast cash flow, automate transaction categorization, and manage money through natural conversation. Every capability is exposed through the Era Context remote MCP server (65 tools over Streamable HTTP, OAuth 2.1) rather than a traditional REST API, with a portable cross-agent memory layer, scoped consent, and hard safety boundaries. Founded in 2023 by Stripe alumni and backed by Northzone, Era is a registered investment adviser targeting the mass-affluent market across the US, UK, and Canada.

Era is listed with 1 API on the APIs.io network. Tagged areas include Company, Fintech, Artificial Intelligence, Personal Finance, and Wealth Management.

Era’s developer surface includes authentication, documentation, API reference, getting-started guide, engineering blog, pricing, and 19 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

42.8/100 developing ▬ flat Agent 34/100 agent ready Front door AI 6/6 dominant Heartbeat 100/100 alive saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

AccessFreemiumSelf serve⚡ Free to try

1 API 1 MCP Servers 4 Agent Skills

Company Fintech Artificial Intelligence Personal Finance Wealth Management MCP Agent-Native Open Banking OAuth Authentication

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 42.8/100 · developing

Contract Quality 0.0 / 21

Developer Ergonomics 9.2 / 17

Access Clarity 12.1 / 17

Operational Transparency 4.9 / 11

Contract Governance 1.9 / 10

Discoverability 6.4 / 9

Regulatory Posture 5.3 / 15

Agent readiness — 34/100 · agent ready

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 12 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 0 / 6

Agent Skills 5 / 5

Well-Known Catalog 4 / 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 5 / 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/.

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

Machine-Readable Contract +18 pts — api_specs includes an OpenAPI document
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
Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link

5 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
Contract Governance scores 18.2 — up to +9.8 composite points
Developer Ergonomics scores 54.2 — up to +9.2 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/era/apis.yml: open an issue on github.com/api-evangelist/era 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
Asset and Wealth Management	regulated	19.2 (thin)	1	-

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 4

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)

measured — observed by APIs.io (verified)

OAuth

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

OAuth 2.0 Protected Resource Metadata

measured — observed by APIs.io (verified)

Dynamic Client Registration

measured — observed by APIs.io (published)

APIs 1

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

Era Context MCP Server

Era's remote Model Context Protocol server. Connect bank accounts to any MCP-compatible AI agent and manage money through natural conversation: spending analysis, cash-flow fore...

MCP Servers 1

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

Era Context

AI-native personal finance management. Connect bank accounts, analyze spending, forecast cash flow, automate transactions, and manage your money through natural conversation via...

MCP SERVER

Agent Skills 4

Packaged agent skills for driving this provider's APIs from an AI assistant.

Automate transaction categorization with rules

AGENT SKILL

Connect a bank account and analyze spending

AGENT SKILL

Set up portable cross-agent financial memory

AGENT SKILL

Find forgotten recurring subscriptions

AGENT SKILL

Era API pricing

Prices published by Era. This record is due for a re-check. A free plan or tier is listed.

Plan	Price
Basic	Free
Organize	$7.99
Automate	$19.99
Operate	$79.2

Plan details, limits and sources →

Billed by: subscription · FinOps profile →

Pricing Plans 2

Published pricing tiers and plan structures.

Era Plans

4 plans

PLANS

Era Price Estimates

0 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Era Rate Limits

4 limits

RATE LIMITS

FinOps 1

Cost, billing, and metering signals for API financial operations.

Era Finops

FINOPS

Security Posture 3

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

Era Authentication

oauth2/apiKey · 2 schemes

SECURITY

Era Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Era Vulnerability Disclosure

security.txt · contact published

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Era Scopes

10 scopes · authorizationCode

10 scopes

SCOPES

Resources

Get Started 2

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

GettingStarted

GettingStarted

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

MCPServer

LLMsTxt

WellKnown

AgentSkill

Design & Contract 2

Pagination, idempotency, versioning, errors, and events

Conventions

Conventions

Conformance

Conformance

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Access & Security 6

Authentication, authorization, and security posture

SecurityTxt

Authentication

OAuthScopes

Security

VulnerabilityDisclosure

VulnerabilityDisclosure

DomainSecurity

DomainSecurity

Operate 1

Status, limits, changes, and where to get help

RateLimits

RateLimits

Commercial 4

Pricing, plans, and the legal terms of use

Plans

Pricing

TermsOfService

PrivacyPolicy

Company 2

The organization behind the API

Blog

Blog

Website

Website

Other 1

Properties that don't map to a standard resource type

APICatalog

APICatalog

Source (apis.yml)

aid: era
name: Era
description: Era is an AI-native personal finance platform that connects a user's bank accounts to any MCP-compatible AI assistant
  — Claude, ChatGPT, Gemini, Cursor, and others — so people can analyze spending, forecast cash flow, automate transaction
  categorization, and manage money through natural conversation. Every capability is exposed through the Era Context remote
  MCP server (65 tools over Streamable HTTP, OAuth 2.1) rather than a traditional REST API, with a portable cross-agent memory
  layer, scoped consent, and hard safety boundaries. Founded in 2023 by Stripe alumni and backed by Northzone, Era is a registered
  investment adviser targeting the mass-affluent market across the US, UK, and Canada.
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: freemium
  onboarding: self-serve
  trial: false
  try_now: true
  public: false
  gated: none
  gated_source:
  - onboarding
  label: Freemium · Self-serve signup
  confidence: high
  source:
  - plans
  - authentication
  - scopes
  - rate-limits
  - security
  generated: '2026-11-06'
  method: derived
image: https://era.app/social-card.png
url: https://raw.githubusercontent.com/api-evangelist/era/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- northzone
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-19'
tags:
- Company
- Fintech
- Artificial Intelligence
- Personal Finance
- Wealth Management
- MCP
- Agent-Native
- Open Banking
- OAuth
- Authentication
tags_raw:
- Company
- Fintech
- Artificial Intelligence
- Personal Finance
- Wealth Management
- Model Context Protocol
- MCP
- Agent Native
- Open Banking
- OAuth
- agent-native
- Authentication
apis:
- name: Era Context MCP Server
  description: 'Era''s remote Model Context Protocol server. Connect bank accounts to any MCP-compatible AI agent and manage
    money through natural conversation: spending analysis, cash-flow forecasting, transaction automation, and a portable cross-agent
    financial memory. 65 production-registered tools over Streamable HTTP, OAuth 2.1.'
  humanURL: https://era.app/help/mcp-server-era-context
  baseURL: https://context.era.app
  tags:
  - MCP
  - Personal Finance
  - Agent-Native
  tags_raw:
  - MCP
  - Personal Finance
  - Agent Native
  - agent-native
  properties:
  - type: MCPServer
    url: mcp/era-mcp.yml
  - type: Authentication
    url: authentication/era-authentication.yml
  - type: OAuthScopes
    url: scopes/era-scopes.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: MCPServer
  url: mcp/era-mcp.yml
- type: LLMsTxt
  url: llms/era-llms.txt
- type: WellKnown
  url: well-known/era-well-known.yml
- type: APICatalog
  url: well-known/era-api-catalog.json
- type: SecurityTxt
  url: well-known/era-security.txt
- type: Authentication
  url: authentication/era-authentication.yml
- type: OAuthScopes
  url: scopes/era-scopes.yml
- type: Conventions
  url: conventions/era-conventions.yml
- type: Conformance
  url: conformance/era-conformance.yml
- type: Plans
  url: plans/era-plans.yml
- type: RateLimits
  url: rate-limits/era-rate-limits.yml
- type: AgentSkill
  url: skills/_index.yml
- type: Security
  url: https://era.app/context/security
- type: VulnerabilityDisclosure
  url: security/era-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/era-domain-security.yml
- type: DeveloperPortal
  url: https://era.app/context/finance-mcp
- type: Documentation
  url: https://era.app/help/mcp-server-era-context
- type: APIReference
  url: https://era.app/.well-known/mcp/server-card.json
- type: GettingStarted
  url: https://era.app/help/mcp-server-era-context
- type: Blog
  url: https://era.app/articles
- type: GitHubOrganization
  url: https://github.com/era-app
- type: Pricing
  url: https://era.app/pricing
- type: TermsOfService
  url: https://era.app/terms
- type: PrivacyPolicy
  url: https://era.app/privacy
- type: Website
  url: https://era.app
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence

Era API — frequently asked questions

Does Era have an API?

Yes. APIs.io lists 1 API from Era, including Era Context MCP Server.

How do I authenticate with the Era API?

Era documents its authentication (oauth2/apiKey · 2 schemes). The details are profiled on APIs.io as Era Authentication.

How much does the Era API cost?

APIs.io lists 4 pricing plans for Era, with each plan's price, limits and inclusions under Pricing on this page.

Does Era have an MCP server?

Yes. APIs.io lists 1 MCP server for Era: AI-native personal finance management. Connect bank accounts, analyze spending, forecast cash flow, automate transactions, and manage your money through natural conversation via MCP.

Is the Era API ready for AI agents?

Era has a Kin Score of 42.8 out of 100 (developing) and an Agent Readiness score of 33.6 (agent-ready), 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

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get_provider_evidenceHow each part of their score was established. Free — the basis for a claim should not sit behind it.
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