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 2 API contracts indexed 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, 1 JSON-LD context, and 1 Spectral governance ruleset.

Lili’s developer surface includes documentation, API reference, getting-started guide, support, engineering blog, pricing, signup flow, and 39 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

70.0/100 exemplar ▬ flat Agent 51/100 agent ready Front door AI 3/6 light saas Full breakdown ↓
scored 2026-10-31 · rubric v0.25.0 · Show this score on your site →

AccessFreemiumSelf serve⚡ Free to try

3 published contracts 1 MCP Servers 4 Agent Skills

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 2026-10-31 · rubric v0.25.0

Composite quality — 70.0/100 · exemplar

Contract Quality 14.8 / 21

Developer Ergonomics 12.4 / 17

Access Clarity 15.7 / 17

Operational Transparency 3.5 / 11

Contract Governance 3.6 / 10

Discoverability 6.0 / 9

Regulatory Posture 7.2 / 15

Agent readiness — 51/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 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

Pagination 5 / 5

Distinct Operations 3 / 3

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):

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)
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
Documented Reversibility +6 pts — a reversal operation in the contract, graded up when a window is documented too
Agentic Commerce Well-Known Document +5 pts — a parsing /.well-known/ucp.json or acp.json declaring a version and at least one service — `self` when its endpoints are on the provider's own domain, `platform` when they are on a vendor's
Dry-Run / Simulate Mode +4 pts — OpenAPI: destructive operations expose a dry_run / simulate / preview / validate_only parameter

2 more unmet checks in the Agent Readiness table above.

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

Operational Transparency scores 31.6 — up to +8.9 composite points
Contract Governance scores 35.6 — up to +7.7 composite points
Contract Quality scores 69.8 — up to +7.6 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/lili/apis.yml: open an issue on github.com/api-evangelist/lili 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
Open Banking	list	9.0	-	-
Xero App Store (SMB finance, payroll, inventory and invoicing apps built on Xero, by region)	list	9.0	-	-

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.

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 1

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

Lili MCP Server

Remote MCP server at mcp.lili.co over streamable HTTP requiring OAuth; 44 tools listed.

MCP SERVER

Agent Skills 4

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

lili-agent-reads-business-finances

AGENT SKILL

lili-open-business-account

AGENT SKILL

lili-simulate-sandbox-onboarding

AGENT SKILL

lili-track-application-webhooks

AGENT SKILL

Pricing Plans 2

Published pricing tiers and plan structures.

Lili Plans Pricing

8 plans

PLANS

Lili Price Estimates

0 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Lili Rate Limits

0 limits

RATE LIMITS

FinOps 1

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

Lili Finops

FINOPS

Event Specifications 1

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

Lili Webhooks

ASYNCAPI

Semantic Vocabularies 1

JSON-LD contexts and semantic vocabularies used across these APIs.

Lili Context

19 classes · 73 properties

JSON-LD

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Lili API Rules

17 rules · 13 errors 3 warnings 1 info

SPECTRAL

OpenAPI Overlays 3

Overlays applied on top of this provider's contracts. Each card says who wrote it: a document the provider publishes, or one API Evangelist derived or generated.

Lili Application Api Overlay

3 actions · update

DERIVED

Lili Customer Management Api Overlay

3 actions · update

DERIVED

Lili Webhooks Api Overlay

3 actions · update

DERIVED

JSON Schema 6

Standalone JSON Schema definitions for this provider's data models.

LeadRequest

33 properties

JSON SCHEMA

LeadResponse

7 properties

JSON SCHEMA

PaymentRequest

8 properties

JSON SCHEMA

WebhookCreateResponse

4 properties

JSON SCHEMA

WebhookRequest

4 properties

JSON SCHEMA

WebhookResponse

5 properties

JSON SCHEMA

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

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Lili Agentic Access

11 operations · 7 acting

AGENTIC

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 6

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

LLMsTxt

LLMsTxt

MCPServer

WellKnown

AgentSkill

Design & Contract 10

Pagination, idempotency, versioning, errors, and events

Spectral

JSONLD

Vocabulary

Conventions

Lifecycle

Conformance

ErrorCatalog

DataModel

Components

Webhooks

Scroll for all 10

Build 4

SDKs, sample code, and the tooling you integrate with

IntegrationEdges

SDKs

DeclineCodes

Packages

Access & Security 3

Authentication, authorization, and security posture

Authentication

Authentication

Compliance

Compliance

DomainSecurity

DomainSecurity

Operate 5

Status, limits, changes, and where to get help

Deprecation

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 5

Properties that don't map to a standard resource type

Hosts

Vendors

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'
x-docs-platform: redocly
x-docs-platform-confidence: high
x-docs-platform-checked: 2026-10-03
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
- Financial-Services
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: AgenticAccess
  url: agentic-access/lili-agentic-access.yml
- type: Spectral
  url: rules/lili-rules.yml
- type: JSONLD
  url: json-ld/lili-context.jsonld
- type: Vocabulary
  url: vocabulary/lili-vocabulary.yml
- type: Deprecation
  url: lifecycle/lili-lifecycle.yml
- type: LLMsTxt
  url: llms/lili-site-llms.txt
- type: Hosts
  url: hosts/lili-hosts.yml
- type: IntegrationEdges
  url: integrations/lili-integration-edges.yml
- type: Vendors
  url: vendors/lili-vendors.yml
- type: SDKs
  url: packages/lili-packages.yml
- 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: 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
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
  tags_raw:
  - 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
  aid: lili:lili-mcp-server
- 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
  - type: JSONSchema
    url: json-schema/lili-lead-request-schema.json
  - type: JSONSchema
    url: json-schema/lili-lead-response-schema.json
  - type: JSONSchema
    url: json-schema/lili-webhook-response-schema.json
  - type: JSONSchema
    url: json-schema/lili-webhook-create-response-schema.json
  - type: JSONSchema
    url: json-schema/lili-webhook-request-schema.json
  - type: JSONSchema
    url: json-schema/lili-payment-request-schema.json
x-forge-listing: https://forgeglobal.com/lili_stock/
x-enrichment:
  date: '2026-10-12'
  status: enriched
  artifacts_added: 1
  pass: local-v5

Lili API — frequently asked questions

Does Lili have an API?

Yes. APIs.io lists 2 APIs from Lili, including Lili MCP Server and Lili API.

Is there an OpenAPI specification for the Lili API?

Yes. APIs.io indexes 1 OpenAPI specification for Lili, each linked for download from this page.

How do I authenticate with the Lili API?

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

How much does the Lili API cost?

APIs.io lists 8 pricing plans for Lili, with each plan's price, limits and inclusions under Pricing Plans on this page.

Does Lili have an MCP server?

Yes. APIs.io lists 1 MCP server for Lili: Remote MCP server at mcp.lili.co over streamable HTTP requiring OAuth; 44 tools listed.

Is the Lili API ready for AI agents?

Lili has a Kin Score of 70.0 out of 100 (exemplar) and an Agent Readiness score of 51.4 (agent-ready), scored by API Evangelist on 2026-10-31.

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