# ModernFi

**Canonical:** https://apis.io/providers/modernfi/  
**Website:** https://docs.modernfi.com  
**APIs profiled:** 7

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.

## Kin Score — 46.0 / 100 (developing)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 46.0).

| Facet | Score |
|---|---|
| Discoverability | 92.6 |
| Contract Quality | 54.2 |
| Governance | 16.7 |
| Contract Governance | 16.7 |
| Operational Transparency | 42.1 |
| Developer Ergonomics | 63.7 |
| Commercial Clarity | 10.5 |
| Access Clarity | 10.5 |

Regulatory layer — **Banking & Open Finance**: 36.7 (matched via tags).

## Agent readiness — 45.8 (agent-ready)

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

## Access

Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: medium).

## APIs (7)

- **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.

## MCP servers (1)

- **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...

## Agentic access (1)

- **Modernfi Agentic Access** — 37 operations · 19 acting

## Security (2)

- **Modernfi Authentication** — oauth2/http · 2 schemes
- **Modernfi Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Company, Banking, Deposits, Fintech, Credit Unions, Financial-Services, Deposit Network, Treasury

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/modernfi/). Scores are computed from the provider's own public artifacts under a published rubric.