ModernFi

ModernFi operates institution-owned deposit networks for U.S. banks and credit unions, giving them infrastructure to grow deposits, extend reciprocal deposit insurance beyond standard FDIC/NCUA limits, optimize funding, and deepen depositor relationships. Its Digital Banking API (v1) lets member institutions programmatically manage deposit accounts, depositors, transaction records and sweeps, monthly statements and files, custom rate benchmarks, and pricing groups — authenticated with OAuth 2.0 client credentials and pulled into treasury, ALCO, risk, and reporting systems. ModernFi is backed by a16z.

ModernFi publishes 7 APIs on the APIs.io network, including Accounts API, auth API, customBenchmarks API, and 4 more. Tagged areas include Company, Banking, Deposits, Fintech, and Credit Unions.

ModernFi’s developer surface includes documentation, API reference, getting-started guide, support, changelog, authentication, sandbox, and 20 more developer resources.

🌐 Visit website 📡 Source on GitHub

44.6/100 developing ▬ flat Agent 46/100 agent native Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0

AccessSelf serve

1 APIs 1 MCP Servers

Company Banking Deposits Fintech Credit Unions Financial-ServicesDeposit NetworkTreasury

Kin Score

Kin Score How this is scored →
scored 2026-09-08 · rubric v0.20.0

Composite quality — 44.6/100 · developing

Contract Quality 9.9 / 19

Developer Ergonomics 9.6 / 15

Access Clarity 1.6 / 15

Operational Transparency 4.1 / 10

Contract Governance 0.4 / 9

Discoverability 5.7 / 8

Regulatory Posture 5.5 / 15

Create-or-Update Ergonomics 2.8 / 10

Agent readiness — 46/100 · agent native

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 0 / 6

MCP Server 12 / 12

Machine-Readable Auth 10 / 10

Idempotency 9 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 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 0 / 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/modernfi: 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 7

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

ModernFi Accounts API

The Accounts API from ModernFi — 5 operation(s) for accounts.

ModernFi auth API

The auth API from ModernFi — 1 operation(s) for auth.

ModernFi customBenchmarks API

The customBenchmarks API from ModernFi — 2 operation(s) for custombenchmarks.

ModernFi Depositors API

The Depositors API from ModernFi — 3 operation(s) for depositors.

ModernFi files API

The files API from ModernFi — 4 operation(s) for files.

ModernFi pricingGroups API

The pricingGroups API from ModernFi — 4 operation(s) for pricinggroups.

ModernFi Transactions API

The Transactions API from ModernFi — 2 operation(s) for transactions.

Scroll for all 7

Open Collections 8

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

API Collection

OPEN COLLECTION

API Reference Accounts API

OPEN COLLECTION

API Reference Accounts auth API

OPEN COLLECTION

API Reference Accounts customBenchmarks API

OPEN COLLECTION

API Reference Accounts Depositors API

OPEN COLLECTION

API Reference Accounts files API

OPEN COLLECTION

API Reference Accounts pricingGroups API

OPEN COLLECTION

API Reference Accounts Transactions API

OPEN COLLECTION

Scroll for all 8

MCP Servers 1

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

ModernFi MCP Server

Official ModernFi documentation MCP server (Fern-hosted). Provides AI-powered search over the ModernFi developer documentation at docs.modernfi.com. This is a docs-search server...

MCP SERVER

Security Posture 2

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

Modernfi Authentication

oauth2/http · 2 schemes

SECURITY

Modernfi Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Agentic Access 1

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

Modernfi Agentic Access

37 operations · 19 acting

AGENTIC

Resources

Get Started 3

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

GettingStarted

GettingStarted

Sandbox

Sandbox

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 5

MCP servers, agent skills, and machine-readable catalogs

MCPServer

WellKnown

LLMsTxt

AgentSkill

AgenticAccess

Design & Contract 6

Pagination, idempotency, versioning, errors, and events

Conventions

Idempotency

ErrorCatalog

Lifecycle

Conformance

DataModel

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Access & Security 2

Authentication, authorization, and security posture

Authentication

Authentication

DomainSecurity

DomainSecurity

Operate 4

Status, limits, changes, and where to get help

Support

StatusPage

Deprecation

ChangeLog

Commercial 1

Pricing, plans, and the legal terms of use

PrivacyPolicy

PrivacyPolicy

Company 1

The organization behind the API

Website

Website

Other 2

Properties that don't map to a standard resource type

CapabilityMap

CapabilityMap

Overlay

Overlay

Source (apis.yml)

aid: modernfi
name: ModernFi
description: ModernFi operates institution-owned deposit networks for U.S. banks and credit unions, giving them infrastructure
  to grow deposits, extend reciprocal deposit insurance beyond standard FDIC/NCUA limits, optimize funding, and deepen depositor
  relationships. Its Digital Banking API (v1) lets member institutions programmatically manage deposit accounts, depositors,
  transaction records and sweeps, monthly statements and files, custom rate benchmarks, and pricing groups — authenticated
  with OAuth 2.0 client credentials and pulled into treasury, ALCO, risk, and reporting systems. ModernFi is backed by a16z.
url: https://raw.githubusercontent.com/api-evangelist/modernfi/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- a16z
x-tier: stub
x-tier-reason: portfolio-lead
deliveryModel:
  model: unknown
  open_source: false
  commercial: false
  callable_host: true
  label: Delivery model not determined — needs a product licence on record
  confidence: low
  source:
  - openapi
  generated: '2026-08-28'
  method: derived
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
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-20'
tags:
- Company
- Banking
- Deposits
- Fintech
- Credit Unions
- Financial-Services
- Deposit Network
- Treasury
tags_raw:
- Company
- Banking
- Deposits
- Fintech
- Credit Unions
- Financial Services
- Deposit Network
- Treasury
image: https://modernfi.com/favicon.ico
apis:
- aid: modernfi:modernfi-accounts-api
  name: ModernFi Accounts API
  description: The Accounts API from ModernFi — 5 operation(s) for accounts.
  humanURL: https://docs.modernfi.com
  baseURL: https://api.modernfi.com
  tags:
  - Account
  tags_raw:
  - Accounts
  properties:
  - type: OpenAPI
    url: openapi/modernfi-accounts-api-openapi.yml
  - type: Documentation
    url: https://docs.modernfi.com
  - type: APIReference
    url: https://docs.modernfi.com/api-reference
  - type: GettingStarted
    url: https://docs.modernfi.com/modernfi-developer-hub/getting-started
- aid: modernfi:modernfi-auth-api
  name: ModernFi auth API
  description: The auth API from ModernFi — 1 operation(s) for auth.
  humanURL: https://docs.modernfi.com
  baseURL: https://api.modernfi.com
  tags:
  - Authentication
  tags_raw:
  - auth
  properties:
  - type: OpenAPI
    url: openapi/modernfi-auth-api-openapi.yml
  - type: Documentation
    url: https://docs.modernfi.com
  - type: APIReference
    url: https://docs.modernfi.com/api-reference
  - type: GettingStarted
    url: https://docs.modernfi.com/modernfi-developer-hub/getting-started
- aid: modernfi:modernfi-custombenchmarks-api
  name: ModernFi customBenchmarks API
  description: The customBenchmarks API from ModernFi — 2 operation(s) for custombenchmarks.
  humanURL: https://docs.modernfi.com
  baseURL: https://api.modernfi.com
  tags: []
  tags_raw:
  - customBenchmarks
  properties:
  - type: OpenAPI
    url: openapi/modernfi-custombenchmarks-api-openapi.yml
  - type: Documentation
    url: https://docs.modernfi.com
  - type: APIReference
    url: https://docs.modernfi.com/api-reference
  - type: GettingStarted
    url: https://docs.modernfi.com/modernfi-developer-hub/getting-started
- aid: modernfi:modernfi-depositors-api
  name: ModernFi Depositors API
  description: The Depositors API from ModernFi — 3 operation(s) for depositors.
  humanURL: https://docs.modernfi.com
  baseURL: https://api.modernfi.com
  tags:
  - Depositors
  properties:
  - type: OpenAPI
    url: openapi/modernfi-depositors-api-openapi.yml
  - type: Documentation
    url: https://docs.modernfi.com
  - type: APIReference
    url: https://docs.modernfi.com/api-reference
  - type: GettingStarted
    url: https://docs.modernfi.com/modernfi-developer-hub/getting-started
- aid: modernfi:modernfi-files-api
  name: ModernFi files API
  description: The files API from ModernFi — 4 operation(s) for files.
  humanURL: https://docs.modernfi.com
  baseURL: https://api.modernfi.com
  tags:
  - File
  tags_raw:
  - files
  properties:
  - type: OpenAPI
    url: openapi/modernfi-files-api-openapi.yml
  - type: Documentation
    url: https://docs.modernfi.com
  - type: APIReference
    url: https://docs.modernfi.com/api-reference
  - type: GettingStarted
    url: https://docs.modernfi.com/modernfi-developer-hub/getting-started
- aid: modernfi:modernfi-pricinggroups-api
  name: ModernFi pricingGroups API
  description: The pricingGroups API from ModernFi — 4 operation(s) for pricinggroups.
  humanURL: https://docs.modernfi.com
  baseURL: https://api.modernfi.com
  tags: []
  tags_raw:
  - pricingGroups
  properties:
  - type: OpenAPI
    url: openapi/modernfi-pricinggroups-api-openapi.yml
  - type: Documentation
    url: https://docs.modernfi.com
  - type: APIReference
    url: https://docs.modernfi.com/api-reference
  - type: GettingStarted
    url: https://docs.modernfi.com/modernfi-developer-hub/getting-started
- aid: modernfi:modernfi-transactions-api
  name: ModernFi Transactions API
  description: The Transactions API from ModernFi — 2 operation(s) for transactions.
  humanURL: https://docs.modernfi.com
  baseURL: https://api.modernfi.com
  tags:
  - Transaction
  tags_raw:
  - Transactions
  properties:
  - type: OpenAPI
    url: openapi/modernfi-transactions-api-openapi.yml
  - type: Documentation
    url: https://docs.modernfi.com
  - type: APIReference
    url: https://docs.modernfi.com/api-reference
  - type: GettingStarted
    url: https://docs.modernfi.com/modernfi-developer-hub/getting-started
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://www.modernfi.com/
- type: CapabilityMap
  url: capabilities/modernfi-capability-edges.yml
  name: ModernFi Business Capability Map
- type: DeveloperPortal
  url: https://docs.modernfi.com
- type: Documentation
  url: https://docs.modernfi.com
- type: APIReference
  url: https://docs.modernfi.com/api-reference
- type: GettingStarted
  url: https://docs.modernfi.com/modernfi-developer-hub/getting-started
- type: Support
  url: https://modernfi.com/contact
- type: PrivacyPolicy
  url: https://modernfi.com/privacy
- type: GitHubOrganization
  url: https://github.com/modernfi
- type: StatusPage
  url: https://status.modernfi.com
- type: Deprecation
  url: https://docs.modernfi.com/topics/versioning
- type: ChangeLog
  url: changelog/modernfi-changelog.yml
- type: Authentication
  url: authentication/modernfi-authentication.yml
- type: Conventions
  url: conventions/modernfi-conventions.yml
- type: Idempotency
  url: conventions/modernfi-conventions.yml
- type: ErrorCatalog
  url: errors/modernfi-problem-types.yml
- type: Lifecycle
  url: lifecycle/modernfi-lifecycle.yml
- type: Conformance
  url: conformance/modernfi-conformance.yml
- type: DataModel
  url: data-model/modernfi-data-model.yml
- type: Sandbox
  url: sandbox/modernfi-sandbox.yml
- type: MCPServer
  url: mcp/modernfi-mcp.yml
- type: WellKnown
  url: well-known/modernfi-well-known.yml
- type: Overlay
  url: overlays/modernfi-digital-banking-overlay.yaml
- type: LLMsTxt
  url: llms/modernfi-llms.txt
- type: AgentSkill
  url: skills/_index.yml
- type: AgenticAccess
  url: agentic-access/modernfi-agentic-access.yml
- type: DomainSecurity
  url: security/modernfi-domain-security.yml
x-enrichment:
  date: '2026-07-20'
  status: enriched
  artifacts_added: 16
  pass: local-v1

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