# M&T Bank

**Canonical:** https://apis.io/providers/m-t-bank/  
**Website:** https://www.mtb.com/  
**APIs profiled:** 10

M&T Bank is a US super-regional bank holding company (M&T Bank Corporation, NYSE: MTB) headquartered in Buffalo, New York, operating through its national bank subsidiary Manufacturers and Traders Trust Company. With roughly $200 billion in assets it is one of the twenty largest US commercial banks, serving consumers, businesses, and institutional clients across the eastern United States, and it owns Wilmington Trust, its custody, fund-administration, and wealth arm. Unlike UK/AU open banking there is no single mandated contract in the US, so M&T's public API posture is split: it runs a real first-party Developer Portal / "API Store" at developer.mtb.com for institutional and wholesale clients (Banking & Treasury plus Wilmington Trust Custody APIs), gated behind Microsoft Entra login and Azure API Management subscription keys with per-product OpenAPI reference available only after authentication. Consumer-permissioned account data is shared through aggregators (Plaid) rather than a public first-party consumer API. No public FDX conformance or CFPB Section 1033 data-access API is documented on the portal at review time.

## Kin Score — 11.2 / 100 (emerging)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 11.2).

| Facet | Score |
|---|---|
| Discoverability | 72.2 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 2.4 |
| Commercial Clarity | 27.6 |
| Access Clarity | 27.6 |

Regulatory layer — **Banking & Open Finance**: 17.7 (matched via tags).

## Agent readiness — 0.0 (human-only)

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

## APIs (10)

- **Payment Initiation API** — Institutional payment initiation product listed in M&T's Banking and Treasury API group on the developer portal. Per-product reference is available after Entra login and Azure A...
- **Payment Status API** — Payment status lookup product in the Banking and Treasury API group. Reference gated behind portal authentication.
- **Cash Activity API** — Cash activity reporting product in the Banking and Treasury API group for treasury-management clients. Reference gated behind portal authentication.
- **Cash Projection API** — Cash projection / forecasting product in the Banking and Treasury API group. Reference gated behind portal authentication.
- **Pending Transactions API** — Pending transactions reporting product in the Banking and Treasury API group. Reference gated behind portal authentication.
- **Event Notification API** — Event notification setup and subscription product enabling callback/webhook delivery with request signing, listed in the Banking and Treasury API group. Reference gated behind p...
- **Custody End of Day API** — Wilmington Trust custody end-of-day product for institutional clients, listed in the portal's Custody API group. Reference gated behind portal authentication.
- **Fund Accounting API** — Fund valuation and accounting product (transfer-agency / fund-administration services) in the Custody API group. Reference gated behind portal authentication.
- **Account Valuations API** — Account valuations product supporting custody and institutional portfolio reporting. Reference gated behind portal authentication.
- **Position Exposure API** — Position exposure product for institutional custody/portfolio clients. Reference gated behind portal authentication.

## Security (1)

- **M T Bank Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Financial-Services, Banking, United States, Super-Regional Bank, Treasury Management, Payments, Custody, Fund Accounting, Open Finance, Data Aggregation

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/m-t-bank/). Scores are computed from the provider's own public artifacts under a published rubric.