MethodFi

Method (Method Financial) is the infrastructure layer for consumer liability data and payments. Its API lets developers create entities, verify identity, and use Connect to discover a user's complete liability picture across 15,000+ institutions (credit cards, auto loans, student loans, mortgages, personal loans) without credential sharing, then normalize that data and move money via ACH to pay down those liabilities. Additional products include credit scores, card-brand enrichment, financial attributes, transactions, updates/subscriptions for monitoring, reports, and embeddable UI (Opal/Elements). Method powers lending, personal finance management, and commerce/card-linking use cases.

MethodFi publishes 42 APIs on the APIs.io network, including Account Attributes API, Account Balances API, Account Card Brands API, and 39 more. Tagged areas include Company, Fintech, Liability Data, Payments, and Lending.

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

MethodFi’s developer surface includes authentication, sandbox, changelog, documentation, API reference, getting-started guide, support, and 33 more developer resources.

🌐 Visit website 📡 Source on GitHub

66.7/100 exemplar ▬ flat Agent 54/100 agent native Full breakdown ↓
scored 2026-08-17 · rubric v0.11.0

AccessSelf serve

42 APIs 1 MCP Servers

CompanyFintechLiability DataPaymentsLendingPersonal FinanceCreditACHDebtIdentity Verification

Kin Score

Kin Score How this is scored →
scored 2026-08-17 · rubric v0.11.0

Composite quality — 66.7/100 · exemplar

Contract Quality 15.8 / 21

Developer Ergonomics 12.1 / 17

Commercial Clarity 13.4 / 17

Operational Transparency 9.3 / 11

Governance 2.1 / 10

Discoverability 6.9 / 9

Regulatory Posture 7.0 / 15

Agent readiness — 54/100 · agent native

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

MCP Server 12 / 12

Machine-Readable Auth 10 / 10

Idempotency 9 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 7 / 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

Regulatory Posture applies to this provider. Its tags matched the Payments 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.

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/.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/methodfi: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 42

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

Open Collections 46

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

MCP Servers 1

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

Rate Limits 1

Documented rate limits and quota policies.

Methodfi Rate Limits

6 limits

RATE LIMITS

FinOps 1

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

Get Started 4

Portal, sign-up, and the first successful call

Sandbox

DeveloperPortal

GettingStarted

SignUp

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

MCPServer

LLMsTxt

AgentSkill

Design & Contract 8

Pagination, idempotency, versioning, errors, and events

Conventions

Idempotency

Components

Lifecycle

Conformance

ErrorCatalog

DataModel

Webhooks

Scroll for all 8

Build 6

SDKs, sample code, and the tooling you integrate with

PostmanWorkspace

Packages

SDKs

DeclineCodes

GitHubOrganization

GitHubOrganization

Postman

Postman

Access & Security 4

Authentication, authorization, and security posture

DomainSecurity

Authentication

Compliance

TrustCenter

Operate 5

Status, limits, changes, and where to get help

StatusPage

Deprecation

ChangeLog

RateLimits

Support

Commercial 4

Pricing, plans, and the legal terms of use

TermsOfService

PrivacyPolicy

Plans

FinOps

Company 2

The organization behind the API

Website

Website

LinkedIn

Other 1

Properties that don't map to a standard resource type

Overlay

Overlay

Source (apis.yml)

aid: methodfi
name: MethodFi
description: Method (Method Financial) is the infrastructure layer for consumer liability data and payments. Its API lets
  developers create entities, verify identity, and use Connect to discover a user's complete liability picture across 15,000+
  institutions (credit cards, auto loans, student loans, mortgages, personal loans) without credential sharing, then normalize
  that data and move money via ACH to pay down those liabilities. Additional products include credit scores, card-brand enrichment,
  financial attributes, transactions, updates/subscriptions for monitoring, reports, and embeddable UI (Opal/Elements). Method
  powers lending, personal finance management, and commerce/card-linking use cases.
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://framerusercontent.com/assets/ZHgWyxIoZ4u3muxNTrEuOhP9o.jpg
url: https://raw.githubusercontent.com/api-evangelist/methodfi/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- a16z
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-08-08'
x-enrichment:
  date: '2026-07-20'
  status: enriched
  artifacts_added: 25
  pass: local-v1
tags:
- Company
- Fintech
- Liability Data
- Payments
- Lending
- Personal Finance
- Credit
- ACH
- Debt
- Identity Verification
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
apis:
- aid: methodfi:methodfi-account-attributes-api
  name: MethodFi Account Attributes API
  description: Attribute data for accounts
  humanURL: https://docs.methodfi.com/reference/introduction
  baseURL: https://production.methodfi.com
  tags:
  - Account Attributes
  properties:
  - type: OpenAPI
    url: openapi/methodfi-account-attributes-api-openapi.yml
- aid: methodfi:methodfi-account-balances-api
  name: MethodFi Account Balances API
  description: Balance data for accounts
  humanURL: https://docs.methodfi.com/reference/introduction
  baseURL: https://production.methodfi.com
  tags:
  - Account Balances
  properties:
  - type: OpenAPI
    url: openapi/methodfi-account-balances-api-openapi.yml
- aid: methodfi:methodfi-account-card-brands-api
  name: MethodFi Account Card Brands API
  description: Card brand information for accounts
  humanURL: https://docs.methodfi.com/reference/introduction
  baseURL: https://production.methodfi.com
  tags:
  - Account Card Brands
  properties:
  - type: OpenAPI
    url: openapi/methodfi-account-card-brands-api-openapi.yml
- aid: methodfi:methodfi-account-consent-api
  name: MethodFi Account Consent API
  description: Consent management for accounts
  humanURL: https://docs.methodfi.com/reference/introduction
  baseURL: https://production.methodfi.com
  tags:
  - Account Consent
  properties:
  - type: OpenAPI
    url: openapi/methodfi-account-consent-api-openapi.yml
- aid: methodfi:methodfi-account-payment-instruments-api
  name: MethodFi Account Payment Instruments API
  description: Payment instruments for accounts
  humanURL: https://docs.methodfi.com/reference/introduction
  baseURL: https://production.methodfi.com
  tags:
  - Account Payment Instruments
  properties:
  - type: OpenAPI
    url: openapi/methodfi-account-payment-instruments-api-openapi.yml
- aid: methodfi:methodfi-account-payoffs-api
  name: MethodFi Account Payoffs API
  description: Payoff data for accounts
  humanURL: https://docs.methodfi.com/reference/introduction
  baseURL: https://production.methodfi.com
  tags:
  - Account Payoffs
  properties:
  - type: OpenAPI
    url: openapi/methodfi-account-payoffs-api-openapi.yml
- aid: methodfi:methodfi-account-products-api
  name: MethodFi Account Products API
  description: Products associated with accounts
  humanURL: https://docs.methodfi.com/reference/introduction
  baseURL: https://production.methodfi.com
  tags:
  - Account Products
  properties:
  - type: OpenAPI
    url: openapi/methodfi-account-products-api-openapi.yml
- aid: methodfi:methodfi-account-sensitive-api
  name: MethodFi Account Sensitive API
  description: Sensitive data for accounts
  humanURL: https://docs.methodfi.com/reference/introduction
  baseURL: https://production.methodfi.com
  tags:
  - Account Sensitive
  properties:
  - type: OpenAPI
    url: openapi/methodfi-account-sensitive-api-openapi.yml
- aid: methodfi:methodfi-account-subscriptions-api
  name: MethodFi Account Subscriptions API
  description: Subscriptions for accounts
  humanURL: https://docs.methodfi.com/reference/introduction
  baseURL: https://production.methodfi.com
  tags:
  - Account Subscriptions
  properties:
  - type: OpenAPI
    url: openapi/methodfi-account-subscriptions-api-openapi.yml
- aid: methodfi:methodfi-account-transactions-api
  name: MethodFi Account Transactions API
  description: Transactions for accounts
  humanURL: https://docs.methodfi.com/reference/introduction
  baseURL: https://production.methodfi.com
  tags:
  - Account Transactions
  properties:
  - type: OpenAPI
    url: openapi/methodfi-account-transactions-api-openapi.yml
- aid: methodfi:methodfi-account-updates-api
  name: MethodFi Account Updates API
  description: Update records for accounts
  humanURL: https://docs.methodfi.com/reference/introduction
  baseURL: https://production.methodfi.com
  tags:
  - Account Updates
  properties:
  - type: OpenAPI
    url: openapi/methodfi-account-updates-api-openapi.yml
- aid: methodfi:methodfi-account-verification-sessions-api
  name: MethodFi Account Verification Sessions API
  description: Verification sessions for accounts
  humanURL: https://docs.methodfi.com/reference/introduction
  baseURL: https://production.methodfi.com
  tags:
  - Account Verification Sessions
  properties:
  - type: OpenAPI
    url: openapi/methodfi-account-verification-sessions-api-openapi.yml
- aid: methodfi:methodfi-accounts-api
  name: MethodFi Accounts API
  description: Financial accounts (ACH, liability, clearing, debit card)
  humanURL: https://docs.methodfi.com/reference/introduction
  baseURL: https://production.methodfi.com
  tags:
  - Accounts
  properties:
  - type: OpenAPI
    url: openapi/methodfi-accounts-api-openapi.yml
- aid: methodfi:methodfi-card-products-api
  name: MethodFi Card Products API
  description: Card product definitions
  humanURL: https://docs.methodfi.com/reference/introduction
  baseURL: https://production.methodfi.com
  tags:
  - Card Products
  properties:
  - type: OpenAPI
    url: openapi/methodfi-card-products-api-openapi.yml
- aid: methodfi:methodfi-elements-api
  name: MethodFi Elements API
  description: Client-side Element endpoints
  humanURL: https://docs.methodfi.com/reference/introduction
  baseURL: https://production.methodfi.com
  tags:
  - Elements
  properties:
  - type: OpenAPI
    url: openapi/methodfi-elements-api-openapi.yml
- aid: methodfi:methodfi-entities-api
  name: MethodFi Entities API
  description: Individuals, corporations, and receive-only entities
  humanURL: https://docs.methodfi.com/reference/introduction
  baseURL: https://production.methodfi.com
  tags:
  - Entities
  properties:
  - type: OpenAPI
    url: openapi/methodfi-entities-api-openapi.yml
- aid: methodfi:methodfi-entity-attributes-api
  name: MethodFi Entity Attributes API
  description: Attribute data for entities
  humanURL: https://docs.methodfi.com/reference/introduction
  baseURL: https://production.methodfi.com
  tags:
  - Entity Attributes
  properties:
  - type: OpenAPI
    url: openapi/methodfi-entity-attributes-api-openapi.yml
- aid: methodfi:methodfi-entity-connects-api
  name: MethodFi Entity Connects API
  description: Account connection sessions for entities
  humanURL: https://docs.methodfi.com/reference/introduction
  baseURL: https://production.methodfi.com
  tags:
  - Entity Connects
  properties:
  - type: OpenAPI
    url: openapi/methodfi-entity-connects-api-openapi.yml
- aid: methodfi:methodfi-entity-consent-api
  name: MethodFi Entity Consent API
  description: Consent management for entities
  humanURL: https://docs.methodfi.com/reference/introduction
  baseURL: https://production.methodfi.com
  tags:
  - Entity Consent
  properties:
  - type: OpenAPI
    url: openapi/methodfi-entity-consent-api-openapi.yml
- aid: methodfi:methodfi-entity-credit-scores-api
  name: MethodFi Entity Credit Scores API
  description: Credit score data for entities
  humanURL: https://docs.methodfi.com/reference/introduction
  baseURL: https://production.methodfi.com
  tags:
  - Entity Credit Scores
  properties:
  - type: OpenAPI
    url: openapi/methodfi-entity-credit-scores-api-openapi.yml
- aid: methodfi:methodfi-entity-identities-api
  name: MethodFi Entity Identities API
  description: Identity verification data for entities
  humanURL: https://docs.methodfi.com/reference/introduction
  baseURL: https://production.methodfi.com
  tags:
  - Entity Identities
  properties:
  - type: OpenAPI
    url: openapi/methodfi-entity-identities-api-openapi.yml
- aid: methodfi:methodfi-entity-products-api
  name: MethodFi Entity Products API
  description: Products associated with entities
  humanURL: https://docs.methodfi.com/reference/introduction
  baseURL: https://production.methodfi.com
  tags:
  - Entity Products
  properties:
  - type: OpenAPI
    url: openapi/methodfi-entity-products-api-openapi.yml
- aid: methodfi:methodfi-entity-subscriptions-api
  name: MethodFi Entity Subscriptions API
  description: Subscriptions for entities
  humanURL: https://docs.methodfi.com/reference/introduction
  baseURL: https://production.methodfi.com
  tags:
  - Entity Subscriptions
  properties:
  - type: OpenAPI
    url: openapi/methodfi-entity-subscriptions-api-openapi.yml
- aid: methodfi:methodfi-entity-vehicles-api
  name: MethodFi Entity Vehicles API
  description: Vehicle data for entities
  humanURL: https://docs.methodfi.com/reference/introduction
  baseURL: https://production.methodfi.com
  tags:
  - Entity Vehicles
  properties:
  - type: OpenAPI
    url: openapi/methodfi-entity-vehicles-api-openapi.yml
- aid: methodfi:methodfi-entity-verification-sessions-api
  name: MethodFi Entity Verification Sessions API
  description: Verification sessions for entities
  humanURL: https://docs.methodfi.com/reference/introduction
  baseURL: https://production.methodfi.com
  tags:
  - Entity Verification Sessions
  properties:
  - type: OpenAPI
    url: openapi/methodfi-entity-verification-sessions-api-openapi.yml
- aid: methodfi:methodfi-events-api
  name: MethodFi Events API
  description: Webhook event log
  humanURL: https://docs.methodfi.com/reference/introduction
  baseURL: https://production.methodfi.com
  tags:
  - Events
  properties:
  - type: OpenAPI
    url: openapi/methodfi-events-api-openapi.yml
- aid: methodfi:methodfi-forwarding-requests-api
  name: MethodFi Forwarding Requests API
  description: Request forwarding with sensitive data injection
  humanURL: https://docs.methodfi.com/reference/introduction
  baseURL: https://production.methodfi.com
  tags:
  - Forwarding Requests
  properties:
  - type: OpenAPI
    url: openapi/methodfi-forwarding-requests-api-openapi.yml
- aid: methodfi:methodfi-managed-accounts-api
  name: MethodFi Managed Accounts API
  description: Method-managed accounts
  humanURL: https://docs.methodfi.com/reference/introduction
  baseURL: https://production.methodfi.com
  tags:
  - Managed Accounts
  properties:
  - type: OpenAPI
    url: openapi/methodfi-managed-accounts-api-openapi.yml
- aid: methodfi:methodfi-merchants-api
  name: MethodFi Merchants API
  description: Merchant directory
  humanURL: https://docs.methodfi.com/reference/introduction
  baseURL: https://production.methodfi.com
  tags:
  - Merchants
  properties:
  - type: OpenAPI
    url: openapi/methodfi-merchants-api-openapi.yml
- aid: methodfi:methodfi-opal-api
  name: MethodFi Opal API
  description: Opal client-side session and token management
  humanURL: https://docs.methodfi.com/reference/introduction
  baseURL: https://production.methodfi.com
  tags:
  - Opal
  properties:
  - type: OpenAPI
    url: openapi/methodfi-opal-api-openapi.yml
- aid: methodfi:methodfi-payment-reversals-api
  name: MethodFi Payment Reversals API
  description: Reversals for payments
  humanURL: https://docs.methodfi.com/reference/introduction
  baseURL: https://production.methodfi.com
  tags:
  - Payment Reversals
  properties:
  - type: OpenAPI
    url: openapi/methodfi-payment-reversals-api-openapi.yml
- aid: methodfi:methodfi-payments-api
  name: MethodFi Payments API
  description: ACH and clearing payments
  humanURL: https://docs.methodfi.com/reference/introduction
  baseURL: https://production.methodfi.com
  tags:
  - Payments
  properties:
  - type: OpenAPI
    url: openapi/methodfi-payments-api-openapi.yml
- aid: methodfi:methodfi-ping-api
  name: MethodFi Ping API
  description: Health check endpoint
  humanURL: https://docs.methodfi.com/reference/introduction
  baseURL: https://production.methodfi.com
  tags:
  - Ping
  properties:
  - type: OpenAPI
    url: openapi/methodfi-ping-api-openapi.yml
- aid: methodfi:methodfi-public-keys-api
  name: MethodFi Public Keys API
  description: Public key discovery endpoints for Message-Level Encryption.
  humanURL: https://docs.methodfi.com/reference/introduction
  baseURL: https://production.methodfi.com
  tags:
  - Public Keys
  properties:
  - type: OpenAPI
    url: openapi/methodfi-public-keys-api-openapi.yml
- aid: methodfi:methodfi-reports-api
  name: MethodFi Reports API
  description: Downloadable reports
  humanURL: https://docs.methodfi.com/reference/introduction
  baseURL: https://production.methodfi.com
  tags:
  - Reports
  properties:
  - type: OpenAPI
    url: openapi/methodfi-reports-api-openapi.yml
- aid: methodfi:methodfi-secrets-api
  name: MethodFi Secrets API
  description: Secure secret storage
  humanURL: https://docs.methodfi.com/reference/introduction
  baseURL: https://production.methodfi.com
  tags:
  - Secrets
  properties:
  - type: OpenAPI
    url: openapi/methodfi-secrets-api-openapi.yml
- aid: methodfi:methodfi-simulate-accounts-api
  name: MethodFi Simulate Accounts API
  description: Sandbox account simulation
  humanURL: https://docs.methodfi.com/reference/introduction
  baseURL: https://production.methodfi.com
  tags:
  - Simulate Accounts
  properties:
  - type: OpenAPI
    url: openapi/methodfi-simulate-accounts-api-openapi.yml
- aid: methodfi:methodfi-simulate-entities-api
  name: MethodFi Simulate Entities API
  description: Sandbox entity simulation
  humanURL: https://docs.methodfi.com/reference/introduction
  baseURL: https://production.methodfi.com
  tags:
  - Simulate Entities
  properties:
  - type: OpenAPI
    url: openapi/methodfi-simulate-entities-api-openapi.yml
- aid: methodfi:methodfi-simulate-events-api
  name: MethodFi Simulate Events API
  description: Sandbox event simulation
  humanURL: https://docs.methodfi.com/reference/introduction
  baseURL: https://production.methodfi.com
  tags:
  - Simulate Events
  properties:
  - type: OpenAPI
    url: openapi/methodfi-simulate-events-api-openapi.yml
- aid: methodfi:methodfi-simulate-payments-api
  name: MethodFi Simulate Payments API
  description: Sandbox payment simulation
  humanURL: https://docs.methodfi.com/reference/introduction
  baseURL: https://production.methodfi.com
  tags:
  - Simulate Payments
  properties:
  - type: OpenAPI
    url: openapi/methodfi-simulate-payments-api-openapi.yml
- aid: methodfi:methodfi-teams-api
  name: MethodFi Teams API
  description: Team and API key management
  humanURL: https://docs.methodfi.com/reference/introduction
  baseURL: https://production.methodfi.com
  tags:
  - Teams
  properties:
  - type: OpenAPI
    url: openapi/methodfi-teams-api-openapi.yml
- aid: methodfi:methodfi-webhooks-api
  name: MethodFi Webhooks API
  description: Webhook subscriptions
  humanURL: https://docs.methodfi.com/reference/introduction
  baseURL: https://production.methodfi.com
  tags:
  - Webhooks
  properties:
  - type: OpenAPI
    url: openapi/methodfi-webhooks-api-openapi.yml
common:
- type: Overlay
  url: overlays/methodfi-openapi-overlay.yaml
- type: PostmanWorkspace
  url: https://www.postman.com/kinlaneapi/methodfi/overview
- type: DomainSecurity
  url: security/methodfi-domain-security.yml
- type: AgenticAccess
  url: agentic-access/methodfi-agentic-access.yml
- type: Authentication
  url: authentication/methodfi-authentication.yml
- type: Conventions
  url: conventions/methodfi-conventions.yml
- type: Idempotency
  url: conventions/methodfi-conventions.yml
- type: Packages
  url: packages/methodfi-packages.yml
- type: SDKs
  url: packages/methodfi-packages.yml
- type: Components
  url: components/methodfi-components.yml
- type: Sandbox
  url: sandbox/methodfi-sandbox.yml
- type: Lifecycle
  url: lifecycle/methodfi-lifecycle.yml
- type: StatusPage
  url: https://methodfi.statuspage.io
- type: Deprecation
  url: lifecycle/methodfi-lifecycle.yml
- type: Conformance
  url: conformance/methodfi-conformance.yml
- type: Compliance
  url: https://methodfi.com/security
- type: ErrorCatalog
  url: errors/methodfi-problem-types.yml
- type: DeclineCodes
  url: errors/methodfi-decline-codes.yml
- type: ChangeLog
  url: changelog/methodfi-changelog.yml
- type: DataModel
  url: data-model/methodfi-data-model.yml
- type: Webhooks
  url: asyncapi/methodfi-webhooks.yml
- type: RateLimits
  url: rate-limits/methodfi-rate-limits.yml
- type: MCPServer
  url: mcp/methodfi-mcp.yml
- type: LLMsTxt
  url: llms/methodfi-llms.txt
- type: AgentSkill
  url: skills/_index.yml
- type: Website
  url: https://methodfi.com
- type: DeveloperPortal
  url: https://docs.methodfi.com
- type: Documentation
  url: https://docs.methodfi.com
- type: APIReference
  url: https://docs.methodfi.com/reference/introduction
- type: GettingStarted
  url: https://docs.methodfi.com/guides/quickstart
- type: Support
  url: https://methodfi.com/contact-us
- type: GitHubOrganization
  url: https://github.com/MethodFi
- type: Postman
  url: https://www.postman.com/methodfi/method-api
- type: SignUp
  url: https://dashboard.methodfi.com
- type: TermsOfService
  url: https://methodfi.com/legal/terms
- type: PrivacyPolicy
  url: https://methodfi.com/privacy
- type: TrustCenter
  url: security/methodfi-trust-center.yml
- type: LinkedIn
  url: https://www.linkedin.com/company/methodfi
- type: Plans
  url: plans/methodfi-plans-pricing.yml
- type: FinOps
  url: finops/methodfi-finops.yml
x-merged-from:
- method-fi

MethodFi

APIs 42

Postman Collections 42

Open Collections 46

MCP Servers 1

Pricing Plans 1

Rate Limits 1