# Era

**Canonical:** https://apis.io/providers/era/  
**Website:** https://era.app  
**APIs profiled:** 1

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.

## Kin Score — 44.6 / 100 (developing)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+1.1 from 43.5).

| Facet | Score |
|---|---|
| Discoverability | 87.0 |
| Contract Quality | 0.0 |
| Governance | 18.2 |
| Contract Governance | 18.2 |
| Operational Transparency | 44.7 |
| Developer Ergonomics | 54.2 |
| Commercial Clarity | 63.2 |
| Access Clarity | 63.2 |

Regulatory layer — **Banking & Open Finance**: 60.8 (matched via tags).

## Agent readiness — 28.8 (agent-aware)

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

## Access

Freemium · Self-serve signup — onboarding: self-serve, pricing: freemium, trial: no (confidence: high).

## APIs (1)

- **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)

- **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...

## Security (3)

- **Era Authentication** — oauth2/apiKey · 2 schemes
- **Era Domain Security** — TLSv1.3 · HSTS · DMARC
- **Era Vulnerability Disclosure** — security.txt · contact published

## Plans (1)

- **Era Plans**

## Tags

Company, Fintech, Artificial Intelligence, Personal Finance, Wealth Management, MCP, agent-native, Open Banking, Authentication

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