Redwood Bank

Redwood Bank is a specialist UK challenger bank for small and medium-sized businesses, headquartered in Letchworth Garden City, Hertfordshire. Launched in 2017 after receiving its banking licence from the Prudential Regulation Authority and Financial Conduct Authority (Financial Services Register firm reference 755924, company number 09872265), it is wholly owned by Redwood Financial Partners Ltd — a vehicle controlled by Jonathan and David Rowland, with Warrington Borough Council holding a roughly one-third stake. Redwood focuses narrowly on business and charity savings accounts and individually underwritten commercial and buy-to-let mortgages, and is not one of the CMA9 mandated banks. Because its product range is deposit- and lending-only (it does not offer a payment / business current account), it falls outside the PSD2 scope that compels UK Open Banking, and as of this review it publishes no public developer portal, no OBIE Read/Write (AIS/PIS/CBPII) APIs, and no confirmed Open Banking Open Data endpoint.

Redwood Bank is listed with 1 API on the APIs.io network. Tagged areas include Financial Services, Banking, Business Banking, Small Business, and Savings.

Redwood Bank’s developer surface includes authentication, engineering blog, support, legal docs, and 7 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

15.1/100 emerging ▬ flat Agent 11/100 agent aware 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 Business Banking Small Business SavingsCommercial MortgagesOpen Banking PSD2 OBIE United Kingdom

Kin Score

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

Composite quality — 15.1/100 · emerging

Contract Quality 0.0 / 21

Developer Ergonomics 3.2 / 17

Access Clarity 3.6 / 17

Operational Transparency 0.0 / 11

Contract Governance 0.5 / 10

Discoverability 5.6 / 9

Regulatory Posture 3.0 / 15

Agent readiness — 11/100 · agent aware

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 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 6 / 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
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
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0

11 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 19.0 — up to +16.2 composite points
Access Clarity scores 21.1 — up to +15.8 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/redwood-bank/apis.yml: open an issue on github.com/api-evangelist/redwood-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
EU/EEA Payment and E-Money Institutions (PSD2 passports)	undeclared	-	-	-

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.

Standards implemented 1

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.

Open Banking Standard

tagged — the provider's own APIs.json carries the standard as a tag; implementation not verified

APIs 1

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

Redwood Bank Website Member Authentication (Umbraco Delivery API)

The OpenID Connect member-authentication surface (OpenIddict) behind the Umbraco headless-CMS "Content Delivery API" that powers redwoodbank.co.uk. This is the only live, machin...

Security Posture 2

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

Redwood Bank Authentication

oauth2/openIdConnect · 2 schemes

SECURITY

Redwood Bank Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Resources

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

WellKnown

WellKnown

Design & Contract 1

Pagination, idempotency, versioning, errors, and events

Conformance

Conformance

Access & Security 2

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Authentication

Authentication

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 3

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Legal

Legal

Company 3

The organization behind the API

Website

Website

Blog

Blog

LinkedIn

Source (apis.yml)

aid: redwood-bank
url: https://raw.githubusercontent.com/api-evangelist/redwood-bank/refs/heads/main/apis.yml
name: Redwood Bank
kind: company
description: Redwood Bank is a specialist UK challenger bank for small and medium-sized businesses, headquartered in Letchworth
  Garden City, Hertfordshire. Launched in 2017 after receiving its banking licence from the Prudential Regulation Authority
  and Financial Conduct Authority (Financial Services Register firm reference 755924, company number 09872265), it is wholly
  owned by Redwood Financial Partners Ltd — a vehicle controlled by Jonathan and David Rowland, with Warrington Borough Council
  holding a roughly one-third stake. Redwood focuses narrowly on business and charity savings accounts and individually underwritten
  commercial and buy-to-let mortgages, and is not one of the CMA9 mandated banks. Because its product range is deposit- and
  lending-only (it does not offer a payment / business current account), it falls outside the PSD2 scope that compels UK Open
  Banking, and as of this review it publishes no public developer portal, no OBIE Read/Write (AIS/PIS/CBPII) APIs, and no
  confirmed Open Banking Open Data endpoint.
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:
  - authentication
  - 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
- Business Banking
- Small Business
- Savings
- Commercial Mortgages
- Open Banking
- PSD2
- OBIE
- United Kingdom
tags_raw:
- Financial Services
- Banking
- Business Banking
- SME
- Savings
- Commercial Mortgages
- Open Banking
- PSD2
- OBIE
- United Kingdom
- Financial-Services
created: '2026-07-23'
modified: '2026-07-23'
specificationVersion: '0.23'
apis:
- name: Redwood Bank Website Member Authentication (Umbraco Delivery API)
  description: The OpenID Connect member-authentication surface (OpenIddict) behind the Umbraco headless-CMS "Content Delivery
    API" that powers redwoodbank.co.uk. This is the only live, machine-readable API surface published on the domain; it authenticates
    website members / gated content and is NOT an Open Banking or banking-product API. Discovered via the live /.well-known/openid-configuration
    and JWKS documents.
  humanURL: https://www.redwoodbank.co.uk/
  baseURL: https://redwoodbank.co.uk/umbraco/delivery/api/v1/
  properties:
  - type: OpenIDConnect
    url: https://www.redwoodbank.co.uk/.well-known/openid-configuration
  - type: Authentication
    url: authentication/redwood-bank-authentication.yml
  - type: WellKnown
    url: well-known/redwood-bank-well-known.yml
  - type: Conformance
    url: conformance/redwood-bank-conformance.yml
common:
- type: DomainSecurity
  url: security/redwood-bank-domain-security.yml
- type: WellKnown
  url: well-known/redwood-bank-well-known.yml
- type: Authentication
  url: authentication/redwood-bank-authentication.yml
- type: Conformance
  url: conformance/redwood-bank-conformance.yml
- type: Website
  url: https://www.redwoodbank.co.uk/
- type: Blog
  url: https://redwoodbank.co.uk/news
- type: Support
  url: https://redwoodbank.co.uk/contact-us/support
- type: TermsOfService
  url: https://redwoodbank.co.uk/legal/website-terms
- type: PrivacyPolicy
  url: https://redwoodbank.co.uk/legal/privacy
- type: Legal
  url: https://redwoodbank.co.uk/legal
- type: LinkedIn
  url: https://www.linkedin.com/company/redwoodbank/
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

Redwood Bank API — frequently asked questions

Does Redwood Bank have an API?

Yes. APIs.io lists 1 API from Redwood Bank, including Redwood Bank Website Member Authentication (Umbraco Delivery API).

How do I authenticate with the Redwood Bank API?

Redwood Bank documents its authentication (oauth2/openIdConnect · 2 schemes). The details are profiled on APIs.io as Redwood Bank Authentication.

Is the Redwood Bank API ready for AI agents?

Redwood Bank has a Kin Score of 15.1 out of 100 (emerging) and an Agent Readiness score of 10.8 (agent-aware), scored by API Evangelist on 2026-11-06.

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