# Narmi

**Canonical:** https://apis.io/providers/narmi/  
**Website:** https://www.narmi.com  
**APIs profiled:** 44

Narmi is a digital banking platform for community banks and credit unions in the United States. The Narmi One platform unifies consumer and business digital banking, omnichannel account opening (Narmi Grow), instant payments over FedNow (Narmi Now), fraud prevention (Narmi Guard), lending (Narmi Lend), a digital back-office (Narmi Command), an API-driven open architecture (Narmi Open), and agentic AI capabilities (Narmi AI). Narmi integrates with major core banking systems including Corelation Keystone, Symitar, Jack Henry Silverlake, Fiserv DNA/Premier, FIS Horizon/IBS, and COCC. The Narmi Public API is a REST API (OAuth 2.0, 189 operations) exposing accounts, balances, transactions, cards, ACH, Fedwire, FedNow, SWIFT wires, deposits, alerts, and messaging. Narmi launched the first MCP server deployed by a U.S. bank (with Grasshopper Bank, August 2025).

## Kin Score — 56.4 / 100 (strong)

Scored 2026-08-17 under rubric 0.11.0. Trend: flat (+0.0 from 56.4).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 70.3 |
| Governance | 11.5 |
| Operational Transparency | 39.5 |
| Developer Ergonomics | 79.9 |
| Commercial Clarity | 34.2 |

Regulatory layer — **Payments**: 64.1 (matched via tags).

## Agent readiness — 59.2 (agent-native)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| MCP Server | yes |
| Auth Clarity | yes |
| Idempotency | documented |
| Error Semantics | verified |
| OpenAPI Examples | partial |
| Rate Limit Signal | no |
| Event Surface Described | yes |
| 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 (44)

- **Narmi account balances API** — The account balances API from Narmi — 2 operation(s) for account balances.
- **Narmi accounts API** — The accounts API from Narmi — 10 operation(s) for accounts.
- **Narmi ach companies API** — The ach companies API from Narmi — 1 operation(s) for ach companies.
- **Narmi ach destinations API** — The ach destinations API from Narmi — 1 operation(s) for ach destinations.
- **Narmi ach import API** — The ach import API from Narmi — 6 operation(s) for ach import.
- **Narmi ach payments API** — The ach payments API from Narmi — 5 operation(s) for ach payments.
- **Narmi ach transfers API** — The ach transfers API from Narmi — 1 operation(s) for ach transfers.
- **Narmi alerts API** — The alerts API from Narmi — 6 operation(s) for alerts.
- **Narmi automatic savings enrollment API** — The automatic savings enrollment API from Narmi — 1 operation(s) for automatic savings enrollment.
- **Narmi card linked offers API** — The card linked offers API from Narmi — 2 operation(s) for card linked offers.
- **Narmi cards API** — The cards API from Narmi — 10 operation(s) for cards.
- **Narmi data access management API** — The data access management API from Narmi — 2 operation(s) for data access management.
- **Narmi deposits API** — The deposits API from Narmi — 2 operation(s) for deposits.
- **Narmi documents API** — The documents API from Narmi — 3 operation(s) for documents.
- **Narmi enrollments API** — The enrollments API from Narmi — 5 operation(s) for enrollments.
- **Narmi express-checkout API** — The express-checkout API from Narmi — 2 operation(s) for express-checkout.
- **Narmi fedwire destinations API** — The fedwire destinations API from Narmi — 2 operation(s) for fedwire destinations.
- **Narmi fedwire templates API** — The fedwire templates API from Narmi — 2 operation(s) for fedwire templates.
- **Narmi income source API** — The income source API from Narmi — 2 operation(s) for income source.
- **Narmi instant transfers API** — The instant transfers API from Narmi — 4 operation(s) for instant transfers.
- **Narmi institution API** — The institution API from Narmi — 2 operation(s) for institution.
- **Narmi international wires API** — The international wires API from Narmi — 4 operation(s) for international wires.
- **Narmi me API** — The me API from Narmi — 1 operation(s) for me.
- **Narmi merchants API** — The merchants API from Narmi — 1 operation(s) for merchants.
- **Narmi mfa API** — The mfa API from Narmi — 3 operation(s) for mfa.
- **Narmi payees API** — The payees API from Narmi — 2 operation(s) for payees.
- **Narmi payments API** — The payments API from Narmi — 2 operation(s) for payments.
- **Narmi ping API** — The ping API from Narmi — 1 operation(s) for ping.
- **Narmi recipients API** — The recipients API from Narmi — 2 operation(s) for recipients.
- **Narmi reports API** — The reports API from Narmi — 3 operation(s) for reports.
- **Narmi same-day transfers API** — The same-day transfers API from Narmi — 1 operation(s) for same-day transfers.
- **Narmi scheduled transfers API** — The scheduled transfers API from Narmi — 1 operation(s) for scheduled transfers.
- **Narmi subscriptions API** — The subscriptions API from Narmi — 2 operation(s) for subscriptions.
- **Narmi support API** — The support API from Narmi — 1 operation(s) for support.
- **Narmi surveys API** — The surveys API from Narmi — 3 operation(s) for surveys.
- **Narmi swift wire templates API** — The swift wire templates API from Narmi — 2 operation(s) for swift wire templates.
- **Narmi teams API** — The teams API from Narmi — 1 operation(s) for teams.
- **Narmi threads API** — The threads API from Narmi — 6 operation(s) for threads.
- **Narmi transactions API** — The transactions API from Narmi — 3 operation(s) for transactions.
- **Narmi unverified ach transactions API** — The unverified ach transactions API from Narmi — 4 operation(s) for unverified ach transactions.
- …and 4 more, listed in full on the page.

## MCP servers (1)

- **narmi-mcp.yml**

## Agentic access (1)

- **Narmi Agentic Access** — 189 operations · 100 acting · 2 human-in-the-loop

## Security (3)

- **Narmi Authentication** — oauth2 · 1 scheme
- **Narmi Domain Security** — TLSv1.3 · HSTS · DMARC
- **Narmi Vulnerability Disclosure** — disclosure policy published

## Tags

Company, Fintech, Digital Banking, Banking, Payments, ACH, Wires, FedNow, Cards, Financial Services

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