# MX

**Canonical:** https://apis.io/providers/mx/  
**Website:** https://www.mx.com/  
**APIs profiled:** 3

MX Technologies is a privately held financial data platform headquartered in Lehi, Utah, operating as a B2B data aggregator and open-finance infrastructure provider rather than a chartered bank or credit union. MX connects consumer and business accounts across tens of thousands of financial institutions and fintechs, then cleanses, categorizes, and enhances the resulting transaction data so banks and fintechs can build verification, aggregation, and personal-finance experiences. Unlike most US banks, MX runs a real, self-documented developer surface — the MX Platform API (HTTP Basic auth over https://api.mx.com), a Consent Management API, and a Data Access product that shares and consumes institution data using FDX and OAuth standards — with downloadable OpenAPI 3.0 specifications published at docs.mx.com. MX is one of the major US open-finance aggregators (alongside Plaid, Finicity, and Akoya) and positions Data Access as FDX-conformant, consumer-permissioned, tokenized data sharing.

## Kin Score — 57.9 / 100 (strong)

Scored 2026-08-17 under rubric 0.11.0. Trend: flat (+0.0 from 57.9).

| Facet | Score |
|---|---|
| Discoverability | 83.3 |
| Contract Quality | 64.6 |
| Governance | 20.8 |
| Operational Transparency | 94.7 |
| Developer Ergonomics | 53.8 |
| Commercial Clarity | 50.0 |

Regulatory layer — **Banking & Open Finance**: 45.6 (matched via tags).

## Agent readiness — 44.4 (agent-ready)

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

## Access

Paid · Partner/sales onboarding (API keys via developer portal) — onboarding: unknown, pricing: paid, trial: no (confidence: medium).

## APIs (3)

- **MX Platform API** — The MX Platform API aggregates and enhances financial data, connecting apps and websites to tens of thousands of financial institutions. Covers users, members, accounts, transac...
- **MX Data Access** — Data Access is MX's open-finance API platform for sharing an institution's financial data and accessing other institutions' data using FDX and OAuth standards, with tokenized, c...
- **MX Consent Management V4 API** — MX Consent Management V4 API from MX — 4 path(s) described in OpenAPI.

## MCP servers (1)

- **mx-mcp.yml**

## Security (4)

- **Mx Authentication** — http · 2 schemes
- **Mx Domain Security** — TLSv1.3 · HSTS · DMARC
- **Mx Vulnerability Disclosure** — security.txt · contact published
- **Mx Trust Center** — SOC 2, PCI DSS

## Tags

Financial Services, Banking, United States, Open Finance, Data Aggregation, FDX, Fintech, Financial Data

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