Lili

Lili is a U.S. small-business banking and financial-management platform (banking services provided by Sunrise Banks, N.A., Member FDIC) that combines a business checking account, high-yield savings, a Visa debit card, invoicing, bill pay, expense categorization, tax buckets and business-credit products for LLCs, corporations, partnerships, sole proprietors and non-profits. For developers Lili publishes the Lili Connect platform at dev.lili.co: an Application API that creates a pre-filled business bank account application and returns a hosted or embeddable onboarding URL, a Customer Management API for payment notification and bank-letter retrieval, a Webhooks API for onboarding lifecycle events, and a remote, OAuth 2.0 protected MCP server at mcp.lili.co that exposes 44 read-oriented tools over balances, transactions, invoices, bills, suppliers, cards, tax estimates, statements and business profile for AI assistants and accountants.

Lili publishes 1 API on the APIs.io network. Tagged areas include Banking, Business Banking, Financial-Services, Fintech, and Embedded Finance.

The Lili catalog on APIs.io includes 1 event-driven AsyncAPI specification.

Lili’s developer surface includes documentation, API reference, getting-started guide, support, engineering blog, pricing, signup flow, and 30 more developer resources.

🌐 Visit website 📡 Source on GitHub

64.5/100 strong ▬ flat Agent 49/100 agent ready Front door AI 3/6 light saas Full breakdown ↓
scored 2026-09-20 · rubric v0.22.0

AccessFreemiumSelf serve⚡ Free to try

3 APIs 2 MCP Servers

Banking Business Banking Financial-Services Fintech Embedded Finance Onboarding KYC Webhook MCP agent-native Invoicing Bill Pay Accounting Small Business

Kin Score

Kin Score How this is scored →
scored 2026-09-20 · rubric v0.22.0

Composite quality — 64.5/100 · strong

Contract Quality 11.1 / 19

Developer Ergonomics 9.9 / 15

Access Clarity 12.6 / 15

Operational Transparency 2.3 / 10

Contract Governance 1.6 / 9

Discoverability 6.1 / 8

Regulatory Posture 11.6 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 49/100 · agent ready

Machine-Readable Contract 18 / 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 8 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 6 / 6

Agent Skills 5 / 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 5 / 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 applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% 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/lili: 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 2

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

Lili MCP Server

Remote, OAuth 2.0 protected Model Context Protocol server (Streamable HTTP, MCP spec 2025-03-26) exposing 44 tools that let an AI assistant read a Lili business customer's accou...

Lili API

The Lili API from Lili — 8 operation(s) for lili.

MCP Servers 2

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

Lili MCP Server

MCP SERVER

Lili MCP Server

MCP SERVER

Pricing Plans 1

Published pricing tiers and plan structures.

Lili Plans Pricing

4 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Lili Rate Limits

0 limits

RATE LIMITS

Event Specifications 1

AsyncAPI definitions for this provider's event-driven and streaming APIs.

Lili Webhooks

ASYNCAPI

Security Posture 2

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

Lili Authentication

apiKey/oauth2 · 2 schemes

SECURITY

Lili Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Lili Scopes

OAuth 2.0 · no documented scopes

0 scopes

SCOPES

Resources

Get Started 4

Portal, sign-up, and the first successful call

DeveloperPortal

GettingStarted

SignUp

Sandbox

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

MCPServer

WellKnown

AgentSkill

Design & Contract 7

Pagination, idempotency, versioning, errors, and events

Conventions

Lifecycle

Conformance

ErrorCatalog

DataModel

Components

Webhooks

Scroll for all 7

Build 2

SDKs, sample code, and the tooling you integrate with

DeclineCodes

DeclineCodes

Packages

Packages

Access & Security 4

Authentication, authorization, and security posture

Authentication

OAuthScopes

Compliance

DomainSecurity

Operate 4

Status, limits, changes, and where to get help

Support

ChangeLog

ChangeLog

RateLimits

Commercial 4

Pricing, plans, and the legal terms of use

Pricing

TermsOfService

PrivacyPolicy

Plans

Company 3

The organization behind the API

Website

Website

Blog

Blog

BlogRSS

BlogRSS

Other 3

Properties that don't map to a standard resource type

Overlay

Overlay

Overlay

Overlay

Overlay

Overlay

Source (apis.yml)

aid: lili
name: Lili
description: 'Lili is a U.S. small-business banking and financial-management platform (banking services provided by Sunrise
  Banks, N.A., Member FDIC) that combines a business checking account, high-yield savings, a Visa debit card, invoicing, bill
  pay, expense categorization, tax buckets and business-credit products for LLCs, corporations, partnerships, sole proprietors
  and non-profits. For developers Lili publishes the Lili Connect platform at dev.lili.co: an Application API that creates
  a pre-filled business bank account application and returns a hosted or embeddable onboarding URL, a Customer Management
  API for payment notification and bank-letter retrieval, a Webhooks API for onboarding lifecycle events, and a remote, OAuth
  2.0 protected MCP server at mcp.lili.co that exposes 44 read-oriented tools over balances, transactions, invoices, bills,
  suppliers, cards, tax estimates, statements and business profile for AI assistants and accountants.'
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: freemium
  onboarding: self-serve
  trial: false
  try_now: true
  public: false
  label: Freemium · Self-serve signup
  confidence: high
  source:
  - plans
  - authentication
  - scopes
  - rate-limits
  - security
  - sandbox
  generated: '2026-09-02'
  method: derived
image: https://lili.co/wp-content/uploads/2025/05/meta-preview.png
url: https://raw.githubusercontent.com/api-evangelist/lili/refs/heads/main/apis.yml
x-type: company
x-source: harvest:secondary-market
specificationVersion: '0.23'
created: '2026-08-25'
modified: '2026-09-16'
tags:
- Banking
- Business Banking
- Financial-Services
- Fintech
- Embedded Finance
- Onboarding
- KYC
- Webhook
- MCP
- agent-native
- Invoicing
- Bill Pay
- Accounting
- Small Business
tags_raw:
- banking
- business-banking
- financial-services
- fintech
- embedded-finance
- onboarding
- kyc
- webhooks
- mcp
- agent-native
- invoicing
- bill-pay
- accounting
- small-business
apis:
- name: Lili MCP Server
  description: Remote, OAuth 2.0 protected Model Context Protocol server (Streamable HTTP, MCP spec 2025-03-26) exposing 44
    tools that let an AI assistant read a Lili business customer's account summary, transactions, financial summaries, invoices,
    bills, suppliers, cards, tax bucket, statements, documents and business profile. Accountants can enumerate and switch
    between connected client accounts.
  humanURL: https://dev.lili.co/mcp
  baseURL: https://mcp.lili.co/mcp
  tags:
  - MCP
  - agent-native
  - Banking
  - Accounting
  properties:
  - type: MCPServer
    url: mcp/lili-mcp.yml
  - type: MCPServer
    url: https://mcp.lili.co/mcp
  - type: ToolCrosswalk
    url: mcp/lili-tool-crosswalk.yml
  - type: Documentation
    url: https://dev.lili.co/mcp
  - type: GettingStarted
    url: https://dev.lili.co/guides/lili-mcp-connect
  - type: Authentication
    url: authentication/lili-authentication.yml
  - type: OAuthScopes
    url: scopes/lili-scopes.yml
- aid: lili:lili-lili-api
  name: Lili API
  description: The Lili API from Lili — 8 operation(s) for lili.
  humanURL: https://dev.lili.co/apis/application
  baseURL: https://prod.lili.co
  tags:
  - Lili
  properties:
  - type: OpenAPI
    url: openapi/lili-lili-api-openapi.yml
  - type: Documentation
    url: https://dev.lili.co/apis/application
  - type: APIReference
    url: https://dev.lili.co/apis/application
  - type: GettingStarted
    url: https://dev.lili.co/guides/lili-connect-api
  - type: Authentication
    url: authentication/lili-authentication.yml
  - type: ErrorCatalog
    url: errors/lili-problem-types.yml
  - type: DataModel
    url: data-model/lili-data-model.yml
  - type: Sandbox
    url: sandbox/lili-sandbox.yml
  - type: Documentation
    url: https://dev.lili.co/apis/customermanagement
  - type: APIReference
    url: https://dev.lili.co/apis/customermanagement
  - type: DeclineCodes
    url: errors/lili-decline-codes.yml
  - type: Documentation
    url: https://dev.lili.co/apis/webhooks/webhooks
  - type: APIReference
    url: https://dev.lili.co/apis/webhooks/webhooks
  - type: GettingStarted
    url: https://dev.lili.co/guides/lili-webhooks
  - type: Webhooks
    url: asyncapi/lili-webhooks.yml
common:
- type: Overlay
  url: overlays/lili-application-api-overlay.yaml
- type: Overlay
  url: overlays/lili-customer-management-api-overlay.yaml
- type: Overlay
  url: overlays/lili-webhooks-api-overlay.yaml
- type: Website
  url: https://lili.co/
- type: DeveloperPortal
  url: https://dev.lili.co/
- type: Documentation
  url: https://dev.lili.co/lili-apis
- type: APIReference
  url: https://dev.lili.co/lili-apis
- type: GettingStarted
  url: https://dev.lili.co/guides/lili-quick-start
- type: Support
  url: https://lili.co/customer-support
- type: Blog
  url: https://lili.co/blog
- type: BlogRSS
  url: https://lili.co/feed
- type: Pricing
  url: https://lili.co/plans
- type: SignUp
  url: https://lili.co/business-banking
- type: TermsOfService
  url: https://lili.co/legal-documents/lili-terms-of-use
- type: PrivacyPolicy
  url: https://lili.co/legal-documents/lili-privacy-policy
- type: ChangeLog
  url: https://dev.lili.co/changelog
- type: ChangeLog
  url: changelog/lili-changelog.yml
- type: LLMsTxt
  url: llms/lili-llms.txt
- type: MCPServer
  url: mcp/lili-mcp.yml
- type: WellKnown
  url: well-known/lili-well-known.yml
- type: Authentication
  url: authentication/lili-authentication.yml
- type: OAuthScopes
  url: scopes/lili-scopes.yml
- type: Conventions
  url: conventions/lili-conventions.yml
- type: Lifecycle
  url: lifecycle/lili-lifecycle.yml
- type: Conformance
  url: conformance/lili-conformance.yml
- type: Compliance
  url: conformance/lili-conformance.yml
- type: ErrorCatalog
  url: errors/lili-problem-types.yml
- type: DeclineCodes
  url: errors/lili-decline-codes.yml
- type: DataModel
  url: data-model/lili-data-model.yml
- type: Sandbox
  url: sandbox/lili-sandbox.yml
- type: Components
  url: components/lili-components.yml
- type: Packages
  url: packages/lili-packages.yml
- type: Plans
  url: plans/lili-plans-pricing.yml
- type: RateLimits
  url: rate-limits/lili-rate-limits.yml
- type: Webhooks
  url: asyncapi/lili-webhooks.yml
- type: AgentSkill
  url: skills/_index.yml
- type: DomainSecurity
  url: security/lili-domain-security.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
x-forge-listing: https://forgeglobal.com/lili_stock/
x-enrichment:
  date: '2026-08-25'
  status: enriched
  artifacts_added: 34
  pass: local-v1

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