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 API contracts indexed on the APIs.io network, including Accounts API, Auth API, Custom Benchmarks API, and 4 more. Tagged areas include Company, Banking, Deposits, Fintech, and Credit Union.

The ModernFi catalog on APIs.io includes 1 Spectral governance ruleset.

ModernFi’s developer surface includes engineering blog, documentation, API reference, getting-started guide, support, changelog, authentication, and 22 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

45.8/100 developing ▬ flat Agent 46/100 agent native Front door AI 1/6 silent Heartbeat 70/100 alive Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

1 published contract 1 MCP Servers 3 Agent Skills

Company Banking Deposits Fintech Credit Union Financial ServicesDeposit NetworkTreasury

What this lets a business do 2

Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →

Deposits & Savings Management

BC-1330

AccountspricingGroups

POST /digital-banking/v1/accounts PUT /digital-banking/v1/pricing-groups/{pricing_group_id}/rates POST /digital-banking/v1/pricing-groups/{pricing_group_id}/accounts

Banking Customer Management

BC-1300

Depositors

POST /digital-banking/v1/depositors

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 45.8/100 · developing

Contract Quality 9.9 / 19

Developer Ergonomics 9.9 / 15

Access Clarity 1.6 / 15

Operational Transparency 4.1 / 10

Contract Governance 1.6 / 9

Discoverability 5.4 / 8

Regulatory Posture 3.4 / 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

Pagination 0 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

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/.

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Agent readiness — checks not met, largest first (exact, from this profile):

A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Rate-Limit Signaling +7 pts — OpenAPI responses document X-RateLimit-* / RateLimit headers (verified), else a rate_limits artifact or RateLimits link (documented)
Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link
Typed Event Surface +6 pts — AsyncAPI document, OR webhooks/callbacks objects in the as-published OpenAPI, OR common[].type includes Webhooks
Documented Reversibility +6 pts — a reversal operation in the contract, graded up when a window is documented too
Pagination +5 pts — share of collection GETs (an array, or one wrapped in data/items/results ...) that declare a page/limit/offset/cursor parameter, a Link header or a next/cursor field; na with no collection GETs

5 more unmet checks in the Agent Readiness table above.

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

Access Clarity scores 10.5 — up to +17.9 composite points
Contract Quality scores 52.8 — up to +11.8 composite points
Contract Governance scores 18.2 — up to +9.8 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/modernfi/apis.yml: open an issue on github.com/api-evangelist/modernfi 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 →

Standards implemented 4

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

Model Context Protocol (MCP)

measured — observed by APIs.io (documented)

Dynamic Client Registration

measured — observed by APIs.io (published)

OpenAPI

measured — observed by APIs.io (published)

OAuth 2.0

measured — observed by APIs.io (declared)

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 Custom Benchmarks 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 Pricing Groups 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 7

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

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 7

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

Agent Skills 3

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

Onboard a depositor and open a deposit account

AGENT SKILL

Price accounts with pricing groups and custom benchmarks

AGENT SKILL

Record and reconcile account transactions

AGENT SKILL

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

ModernFi API Rules

50 rules · 43 errors 3 warnings 4 info

SPECTRAL

OpenAPI Overlays 1

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.

Modernfi Digital Banking Overlay

3 actions · update · modernfi-openapi-original.json

DERIVED

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 3

The organization behind the API

Blog

Blog

BlogRSS

BlogRSS

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: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - authentication
  - security
  - sandbox
  generated: '2026-11-06'
  method: derived
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-10-06'
x-docs-platform: fern
x-docs-platform-confidence: medium
x-docs-platform-checked: 2026-10-04
tags:
- Company
- Banking
- Deposits
- Fintech
- Credit Union
- Financial Services
- Deposit Network
- Treasury
tags_raw:
- Company
- Banking
- Deposits
- Fintech
- Credit Unions
- Financial Services
- Deposit Network
- Treasury
- Financial-Services
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 Custom Benchmarks 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 Pricing Groups 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:
- url: https://modernfi.com/insights
  type: Blog
- url: https://modernfi.com/insights/feed.xml
  type: BlogRSS
- 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

ModernFi API — frequently asked questions

Does ModernFi have an API?

Yes. APIs.io lists 7 APIs from ModernFi, including ModernFi Accounts API, ModernFi Auth API and ModernFi Custom Benchmarks API, and 4 more.

Is there an OpenAPI specification for the ModernFi API?

Yes. APIs.io indexes 7 OpenAPI specifications for ModernFi, each linked for download from this page.

How do I authenticate with the ModernFi API?

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

Does ModernFi have an MCP server?

Yes. APIs.io lists 1 MCP server for ModernFi: 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, not a full API-operat

Is the ModernFi API ready for AI agents?

ModernFi has a Kin Score of 45.8 out of 100 (developing) and an Agent Readiness score of 46.0 (agent-native), scored by API Evangelist on 2026-11-06.

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