Raymond James Bank

Raymond James Bank is a Florida-chartered state member bank headquartered in St. Petersburg, Florida, and a wholly owned subsidiary of Raymond James Financial, Inc. (NYSE: RJF), a diversified financial services holding company founded in 1962. Supervised by the Federal Reserve and the Florida Office of Financial Regulation, the bank provides securities-based lending, residential mortgages, commercial and industrial and commercial real estate loans, tax-exempt loans, and deposit products (including its Enhanced Savings Program) primarily to Raymond James wealth-management and institutional clients. On open finance, the bank runs no first-party public developer portal and publishes no downloadable API specifications; consumer-permissioned account data is reachable only indirectly through third-party aggregators such as Plaid. No FDX participation or CFPB Section 1033 data-access posture is publicly documented for this institution as of this record.

Raymond James Bank is listed with 1 API on the APIs.io network. Tagged areas include Financial Services, Banking, United States, Wealth Management, and Securities-Based Lending.

Raymond James Bank’s developer surface includes engineering blog, support, and 6 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

13.2/100 emerging ▬ flat Agent 0/100 human only Front door AI 1/6 silent saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

1 API

Financial Services Banking United States Wealth ManagementSecurities-Based LendingOpen Finance

Kin Score

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

Composite quality — 13.2/100 · emerging

Contract Quality 0.0 / 21

Developer Ergonomics 2.8 / 17

Access Clarity 4.7 / 17

Operational Transparency 0.0 / 11

Contract Governance 0.0 / 10

Discoverability 4.9 / 9

Regulatory Posture 1.7 / 15

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 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 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 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 could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% 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):

Machine-Readable Contract +18 pts — api_specs includes an OpenAPI document
MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
Machine-Readable Auth +10 pts — a served openid-configuration/oauth-authorization-server carrying `issuer` (served), else the securitySchemes class in the provider OpenAPIs — bound (mutualTLS, DPoP, Signature) > negotiable (oauth2 authorizationCode/clientCredentials, openIdConnect) > bearer (http bearer, apiKey)
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes

13 more unmet checks in the Agent Readiness table above.

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

Contract Quality scores 0.0 — up to +25.0 composite points
Developer Ergonomics scores 16.7 — up to +16.7 composite points
Access Clarity scores 27.6 — up to +14.5 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/raymond-james-bank/apis.yml: open an issue on github.com/api-evangelist/raymond-james-bank 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 →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
Consumer Lending Licensing (UK, US, Canada credit licence registers)	regulated	38.3 (thin)	-	-
US Banks and Credit Unions (FDIC BankFind + NCUA insured credit unions)	regulated	38.3 (thin)	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

APIs 1

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

Raymond James Bank Consumer Data Access (Aggregator-Only)

Raymond James Bank exposes no first-party public API. Consumer-permissioned account and transaction data is available only indirectly through third-party data aggregators (e.g.,...

Security Posture 1

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

Raymond James Bank Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Resources

Get Started 1

Portal, sign-up, and the first successful call

Login

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 2

Pricing, plans, and the legal terms of use

PrivacyPolicy

PrivacyPolicy

TermsOfService

TermsOfService

Company 3

The organization behind the API

Website

Website

About

About

Blog

Blog

Source (apis.yml)

aid: raymond-james-bank
url: https://raw.githubusercontent.com/api-evangelist/raymond-james-bank/refs/heads/main/apis.yml
name: Raymond James Bank
kind: company
description: 'Raymond James Bank is a Florida-chartered state member bank headquartered in St. Petersburg, Florida, and a
  wholly owned subsidiary of Raymond James Financial, Inc. (NYSE: RJF), a diversified financial services holding company founded
  in 1962. Supervised by the Federal Reserve and the Florida Office of Financial Regulation, the bank provides securities-based
  lending, residential mortgages, commercial and industrial and commercial real estate loans, tax-exempt loans, and deposit
  products (including its Enhanced Savings Program) primarily to Raymond James wealth-management and institutional clients.
  On open finance, the bank runs no first-party public developer portal and publishes no downloadable API specifications;
  consumer-permissioned account data is reachable only indirectly through third-party aggregators such as Plaid. No FDX participation
  or CFPB Section 1033 data-access posture is publicly documented for this institution as of this record.'
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - security
  generated: '2026-11-06'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Financial Services
- Banking
- United States
- Wealth Management
- Securities-Based Lending
- Open Finance
tags_raw:
- Financial Services
- Banking
- United States
- Wealth Management
- Securities-Based Lending
- Open Finance
- Financial-Services
created: '2026-07-23'
modified: '2026-07-23'
specificationVersion: '0.23'
apis:
- aid: raymond-james-bank:raymond-james-bank-data-access
  name: Raymond James Bank Consumer Data Access (Aggregator-Only)
  description: Raymond James Bank exposes no first-party public API. Consumer-permissioned account and transaction data is
    available only indirectly through third-party data aggregators (e.g., Plaid). This entry is an honest pointer to the bank's
    public web presence; there is no documented developer portal, base URL, or downloadable specification.
  humanURL: https://www.raymondjamesbank.com/
  tags:
  - Data Aggregation
  - Open Finance
  properties:
  - type: Documentation
    url: https://www.raymondjamesbank.com/privacy-and-security-statements
common:
- type: DomainSecurity
  url: security/raymond-james-bank-domain-security.yml
- type: Website
  url: https://www.raymondjamesbank.com/
- type: About
  url: https://www.raymondjamesbank.com/more/about-us
- type: Blog
  url: https://www.raymondjamesbank.com/more/news-and-media
- type: PrivacyPolicy
  url: https://www.raymondjamesbank.com/privacy-and-security-statements
- type: TermsOfService
  url: https://www.raymondjamesbank.com/terms-of-use
- type: Support
  url: https://www.raymondjamesbank.com/more/contact-us
- type: Login
  url: https://www.raymondjamesbank.com/account-login
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
x-tags-removed:
- Data Aggregation

Raymond James Bank API — frequently asked questions

Does Raymond James Bank have an API?

Yes. APIs.io lists 1 API from Raymond James Bank, including Raymond James Bank Consumer Data Access (Aggregator-Only).

Is the Raymond James Bank API ready for AI agents?

Raymond James Bank has a Kin Score of 13.2 out of 100 (emerging) and an Agent Readiness score of 0.0 (human-only), scored by API Evangelist on 2026-11-06.

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