Unit

Drive the product through a documented public API G

Agent access

Connect an agent via an official MCP server G

Agent access

Delegate tasks to a built-in AI assistant inside the product G

Agentic features

Plug MCP servers into this product so it can use their tools G

Agent access

Point an agent at llms.txt or agent-oriented docs G

Agent access

Build against official SDKs G

Agent access

Download a machine-readable API spec (OpenAPI or equivalent) G

Api quality

Explore an interactive API reference with runnable examples G

Api quality

Get AI-generated insights and suggestions from my data inside the product G

Agentic features

Rely on versioned APIs with a documented deprecation policy G

Api quality

Issue scoped/least-privilege API credentials for an agent G

Agent access

Operate the product with natural-language commands G

Agentic features

Run the product headlessly / in CI for automation G

Agent access

Set up automations that run autonomously in the background G

Agentic features

Subscribe to events via webhooks G

Agent access

Use an official CLI G

Agent access

Test against a sandbox environment without touching production data G

Api quality

Open a real, insured deposit account through the API — application to active account fully programmatic, with sandbox parity so the flow is tested before launch C

Account opening

The account structure is transparent — whether funds sit in FBO pools or individual accounts, where FDIC insurance actually attaches, and who can see the ledger, all documented plainly C

Fbo structures

Exactly who holds the charter — whether the platform is a bank, a direct program with a named partner bank, or middleware between me and someone else's sponsor — and what happens to my customers if the platform fails C

Charter clarity

Originate ACH through the API — credits and debits, same-day windows, and the unhappy paths (returns, NOCs, reversals) modeled as first-class objects with webhooks C

Ach

The ledger is real-time and event-driven — balance reads that reflect holds and pending activity, and webhooks for every transaction state change so my system mirrors the bank exactly C

Balances events

Customer verification is programmatic — KYC for individuals and KYB for businesses with document collection, watchlist screening, and clearly modeled application states C

Kyc kyb

Export all of my data in open formats and leave G

An agent can operate an account within policy — scoped credentials that let it read balances and initiate transfers under amount caps and counterparty allowlists, a use the vendor documents by name C

Agent operations

Define rules that trigger actions automatically on events G

Prevent my data from being used to train AI models G

Self-host the core product G

The platform ledger reconciles to the bank core — documented daily reconciliation between what the API reports and what the bank holds, the failure that sank Synapse-era programs C

Reconciliation

Accounts come with cards — issue virtual and physical debit cards tied to the account through the same API, with spend controls and digital wallet support C

Card issuance

An agent can read the full banking picture — accounts, transactions, pending activity, documents — through a clean API or MCP surface without screen-scraping a dashboard C

Agent visibility

Issue unique account and routing numbers at scale — virtual accounts for reconciliation, per-customer collection accounts, and sub-accounts under a master structure C

Virtual accounts

Do everything through the API that I can do in the UI G

The faster rails are there when I need them — domestic wires, RTP, and FedNow origination and receipt through the same API, with per-rail capabilities documented C

Instant rails

Transaction data is rich enough to build on — counterparty details, rail-specific metadata, stable identifiers, and enrichment that makes a raw bank feed usable in-product C

Data quality

Checks still work — programmatic check issuance and check deposit with image capture, because real businesses still receive and send paper C

Checks

Money can cross borders — international wires or SWIFT, FX with transparent rates, and the coverage map of currencies and corridors documented C

International

Perform bulk operations across many items at once G

Set risk controls per account and per program — transaction and velocity limits, holds on suspicious activity, and account freezes with documented reinstatement paths C

Limits holds

The compliance workload is tooled — transaction monitoring, sanctions screening, case management for alerts, and SAR-filing support with a clear split of duties between me, the platform, and the bank C

Compliance tooling

Card and ACH disputes are handled properly — Reg E investigation timelines, provisional credit mechanics, and my operational responsibilities documented and tooled C

Disputes

Choose where my data is stored (region/residency) G

Control data retention and deletion G

Fraud economics are explicit — who eats ACH return fraud, card disputes, and account takeover losses, with the platform's prevention tooling documented alongside the liability split C

Loss allocation

Growth doesn't hit invisible walls — program-level limits, approval stages, and the path to raising them are documented rather than discovered in an email from the bank C

Program scaling

Idle balances can earn — interest-bearing accounts or documented sweep options, with the rate mechanics and who keeps the spread spelled out C

Yield

Opt out of telemetry and usage tracking G

Read the product's source under an open license G

Schedule recurring jobs or workflows G

The paper obligations are automated — monthly statements generated per account, and tax documents (1099-INT) produced and retrievable through the API C

Statements

The product ships its own AI for banking operations — natural-language search over transactions, drafted responses to disputes and alerts, anomaly summaries — built in, not bolted on C

Builtin ai

Work the onboarding queue — see why an application is pending, supply additional documents, and understand which decisions are mine versus the bank's C

Review queues

Version, review, and roll back my automations G