How Mastercard Open Finance (Finicity)’s scores are calculated

Point an agent at llms.txt or agent-oriented docsweight 2

2 (weight) × 8 (quality) × 1.0 (full) = 16.0 of 20 max

• [probe] https://developer.mastercard.com/llms.txt“PROBE llms.txt: HTTP 200 at https://developer.mastercard.com/llms.txt # Mastercard Developers Mastercard Developers is a comprehensive API platform that provides issuers, acquirers, financia”
• [probe] https://developer.mastercard.com/platform/documentation/agent-toolkit/mcp-overview/“official MCP server documented at https://developer.mastercard.com/platform/documentation/agent-toolkit/mcp-overview/”
• [claimed-docs] https://developer.mastercard.com/platform/documentation/agent-toolkit/mcp-overview/index.md“Dynamic Code Generation: Generate accurate, working code examples based on current API specifications”
• [claimed-docs] https://developer.mastercard.com/platform/documentation/agent-toolkit/mcp-overview/index.md“I need to integrate Open Finance to verify account ownership and check balances for my fintech app”

Run the product headlessly / in CI for automationweight 2

2 (weight) × 6 (quality) × 0.6 (partial) = 7.2 of 20 max

• [claimed-docs] https://developer.mastercard.com/open-finance-us/documentation/onboarding/index.md“To create a token, you are required to provide the PartnerID along with the corresponding secret and appKey.”
• [claimed-docs] https://developer.mastercard.com/open-finance-us/documentation/onboarding/index.md“Use your Partner ID and Secret with the following endpoint whenever you need to generate a new access token”
• [claimed-docs] https://developer.mastercard.com/open-finance-us/documentation/onboarding/index.md“Test Drive is a non-billable, unlimited plan that provides access to all Open Finance API endpoints.”
• [claimed-docs] https://developer.mastercard.com/open-finance-us/documentation/integration-and-testing/test-the-apis/index.md“we provide you with a set of testing personas. Each persona represents an example of a user who might use your app.”
• [github] https://github.com/Mastercard/open-banking-us-openapi“The test project generates an API client library from the API specification like you would do in a real application”

Plug MCP servers into this product so it can use their toolsweight 3

n/a — not applicable to this product: excluded from numerator and denominator

• [probe] https://developer.mastercard.com/platform/documentation/agent-toolkit/mcp-overview/“official MCP server documented at https://developer.mastercard.com/platform/documentation/agent-toolkit/mcp-overview/”
• [claimed-docs] https://developer.mastercard.com/platform/documentation/agent-toolkit/mcp-overview/index.md“Dynamic Code Generation: Generate accurate, working code examples based on current API specifications”

Connect an agent via an official MCP serverweight 3

3 (weight) × 7 (quality) × 1.0 (full) = 21.0 of 30 max

• [claimed-docs] https://developer.mastercard.com/platform/documentation/agent-toolkit/mcp-overview/index.md“Dynamic Code Generation: Generate accurate, working code examples based on current API specifications”
• [claimed-docs] https://developer.mastercard.com/platform/documentation/agent-toolkit/mcp-overview/index.md“I need to integrate Open Finance to verify account ownership and check balances for my fintech app”
• [probe] https://developer.mastercard.com/platform/documentation/agent-toolkit/mcp-overview/“official MCP server documented at https://developer.mastercard.com/platform/documentation/agent-toolkit/mcp-overview/”

Use an official CLIweight 2

2 (weight) × 0 (quality) × 0.0 (none) = 0.0 of 20 max

no evidence cited — the verdict rests on absence of evidence, re-checked on refresh

Drive the product through a documented public APIweight 3

3 (weight) × 8 (quality) × 1.0 (full) = 24.0 of 30 max

• [claimed-docs] https://developer.mastercard.com/open-finance-us/documentation/onboarding/index.md“To create a token, you are required to provide the PartnerID along with the corresponding secret and appKey.”
• [claimed-docs] https://developer.mastercard.com/open-finance-us/documentation/onboarding/index.md“Use your Partner ID and Secret with the following endpoint whenever you need to generate a new access token”
• [claimed-docs] https://developer.mastercard.com/open-finance-us/documentation/onboarding/index.md“Test Drive is a non-billable, unlimited plan that provides access to all Open Finance API endpoints.”
• [github] https://github.com/Mastercard/open-banking-us-openapi“The test project generates an API client library from the API specification like you would do in a real application”
• [probe] https://developer.mastercard.com/llms.txt“PROBE llms.txt: HTTP 200 at https://developer.mastercard.com/llms.txt # Mastercard Developers Mastercard Developers is a comprehensive API platform that provides issuers, acquirers, financia”
• [probe] https://developer.mastercard.com/platform/documentation/agent-toolkit/mcp-overview/“official MCP server documented at https://developer.mastercard.com/platform/documentation/agent-toolkit/mcp-overview/”
• [claimed-docs] https://developer.mastercard.com/platform/documentation/agent-toolkit/mcp-overview/index.md“Dynamic Code Generation: Generate accurate, working code examples based on current API specifications”

Issue scoped/least-privilege API credentials for an agentweight 2

2 (weight) × 0 (quality) × 0.0 (none) = 0.0 of 20 max

• [claimed-docs] https://developer.mastercard.com/open-finance-us/documentation/onboarding/index.md“To create a token, you are required to provide the PartnerID along with the corresponding secret and appKey.”
• [claimed-docs] https://developer.mastercard.com/open-finance-us/documentation/onboarding/index.md“Use your Partner ID and Secret with the following endpoint whenever you need to generate a new access token”

Build against official SDKsweight 2

2 (weight) × 3 (quality) × 0.6 (partial) = 3.6 of 20 max

• [github] https://github.com/Mastercard/open-banking-us-openapi“The test project generates an API client library from the API specification like you would do in a real application”

Subscribe to events via webhooksweight 2

2 (weight) × 7 (quality) × 1.0 (full) = 14.0 of 20 max

• [claimed-docs] https://developer.mastercard.com/open-finance-us/documentation/webhooks/index.md“Webhooks allow you to receive real-time notifications when specific events occur, eliminating the need for constant polling.”
• [claimed-docs] https://developer.mastercard.com/open-finance-us/documentation/webhooks/obwms/index.md“OBWMS will provide a comprehensive API for managing real-time event notifications, enabling you to subscribe to specific events, ensuring you only receive relevant updates.”

Explore an interactive API reference with runnable examplesweight 2

2 (weight) × 0 (quality) × 0.0 (none) = 0.0 of 20 max

• [claimed-docs] https://developer.mastercard.com/open-finance-us/documentation/onboarding/index.md“Test Drive is a non-billable, unlimited plan that provides access to all Open Finance API endpoints.”
• [github] https://github.com/Mastercard/open-banking-us-openapi“The test project generates an API client library from the API specification like you would do in a real application”
• [claimed-docs] https://developer.mastercard.com/open-finance-us/documentation/integration-and-testing/test-the-apis/index.md“we provide you with a set of testing personas”

Download a machine-readable API spec (OpenAPI or equivalent)weight 2

2 (weight) × 8 (quality) × 1.0 (full) = 16.0 of 20 max

• [github] https://github.com/Mastercard/open-banking-us-openapi“The test project generates an API client library from the API specification like you would do in a real application”
• [probe] https://developer.mastercard.com/llms.txt“PROBE llms.txt: HTTP 200 at https://developer.mastercard.com/llms.txt # Mastercard Developers Mastercard Developers is a comprehensive API platform that provides issuers, acquirers, financia”
• [probe] https://developer.mastercard.com/platform/documentation/agent-toolkit/mcp-overview/“official MCP server documented at https://developer.mastercard.com/platform/documentation/agent-toolkit/mcp-overview/”
• [claimed-docs] https://developer.mastercard.com/platform/documentation/agent-toolkit/mcp-overview/index.md“Dynamic Code Generation: Generate accurate, working code examples based on current API specifications”

Test against a sandbox environment without touching production dataweight 1

1 (weight) × 8 (quality) × 1.0 (full) = 8.0 of 10 max

• [claimed-docs] https://developer.mastercard.com/open-finance-us/documentation/onboarding/index.md“Test Drive is a non-billable, unlimited plan that provides access to all Open Finance API endpoints.”
• [claimed-docs] https://developer.mastercard.com/open-finance-us/documentation/integration-and-testing/test-the-apis/index.md“we provide you with a set of testing personas”
• [claimed-docs] https://developer.mastercard.com/open-finance-us/documentation/integration-and-testing/test-the-apis/index.md“we provide you with a set of testing personas. Each persona represents an example of a user who might use your app.”
• [github] https://github.com/Mastercard/open-banking-us-openapi“The test project generates an API client library from the API specification like you would do in a real application”

Rely on versioned APIs with a documented deprecation policyweight 2

2 (weight) × 0 (quality) × 0.0 (none) = 0.0 of 20 max

no evidence cited — the verdict rests on absence of evidence, re-checked on refresh

Do everything through the API that I can do in the UIweight 2

2 (weight) × 6 (quality) × 0.6 (partial) = 7.2 of 20 max

• [claimed-docs] https://developer.mastercard.com/open-finance-us/documentation/webhooks/index.md“Webhooks allow you to receive real-time notifications when specific events occur, eliminating the need for constant polling.”
• [claimed-docs] https://developer.mastercard.com/open-finance-us/documentation/onboarding/index.md“Use your Partner ID and Secret with the following endpoint whenever you need to generate a new access token”
• [claimed-docs] https://developer.mastercard.com/open-finance-us/documentation/webhooks/obwms/index.md“OBWMS will provide a comprehensive API for managing real-time event notifications, enabling you to subscribe to specific events, ensuring you only receive relevant updates.”
• [claimed-docs] https://developer.mastercard.com/open-finance-us/documentation/products/manage/transaction-data/index.md“link them to at least one account via Connect”
• [claimed-docs] https://developer.mastercard.com/open-finance-us/documentation/products/manage/transaction-data/index.md“The Transaction Data Services provide account transaction data.”
• [claimed-docs] https://developer.mastercard.com/open-finance-us/documentation/products/pay/verification-account-owner/index.md“Retrieves account ownership details (name, address, email and phone - where available) from a connected account at a financial institution.”

Export all of my data in open formats and leaveweight 3

3 (weight) × 0 (quality) × 0.0 (none) = 0.0 of 30 max

no evidence cited — the verdict rests on absence of evidence, re-checked on refresh

Read the product's source under an open licenseweight 2

2 (weight) × 0 (quality) × 0.0 (none) = 0.0 of 20 max

no evidence cited — the verdict rests on absence of evidence, re-checked on refresh

Self-host the core productweight 3

n/a — not applicable to this product: excluded from numerator and denominator

no evidence cited — the verdict rests on absence of evidence, re-checked on refresh

Get AI-generated insights and suggestions from my data inside the productweight 2

2 (weight) × 0 (quality) × 0.0 (none) = 0.0 of 20 max

• [claimed-docs] https://developer.mastercard.com/open-finance-us/documentation/index.md“Insights into: * [Transaction types] * [Recurring transactions] * [Consumer spending] * [Loan payments]”
• [claimed-docs] https://developer.mastercard.com/platform/documentation/agent-toolkit/mcp-overview/index.md“Dynamic Code Generation: Generate accurate, working code examples based on current API specifications”
• [claimed-docs] https://developer.mastercard.com/platform/documentation/agent-toolkit/mcp-overview/index.md“I need to integrate Open Finance to verify account ownership and check balances for my fintech app”

Set up automations that run autonomously in the backgroundweight 2

2 (weight) × 0 (quality) × 0.0 (none) = 0.0 of 20 max

• [claimed-docs] https://developer.mastercard.com/open-finance-us/documentation/webhooks/index.md“Webhooks allow you to receive real-time notifications when specific events occur, eliminating the need for constant polling.”
• [claimed-docs] https://developer.mastercard.com/open-finance-us/documentation/webhooks/obwms/index.md“OBWMS will provide a comprehensive API for managing real-time event notifications, enabling you to subscribe to specific events, ensuring you only receive relevant updates.”
• [claimed-docs] https://developer.mastercard.com/platform/documentation/agent-toolkit/mcp-overview/index.md“Dynamic Code Generation: Generate accurate, working code examples based on current API specifications”

Delegate tasks to a built-in AI assistant inside the productweight 3

n/a — not applicable to this product: excluded from numerator and denominator

no evidence cited — the verdict rests on absence of evidence, re-checked on refresh

Operate the product with natural-language commandsweight 2

2 (weight) × 5 (quality) × 0.6 (partial) = 6.0 of 20 max

• [claimed-docs] https://developer.mastercard.com/platform/documentation/agent-toolkit/mcp-overview/index.md“Dynamic Code Generation: Generate accurate, working code examples based on current API specifications”
• [claimed-docs] https://developer.mastercard.com/platform/documentation/agent-toolkit/mcp-overview/index.md“I need to integrate Open Finance to verify account ownership and check balances for my fintech app”
• [probe] https://developer.mastercard.com/platform/documentation/agent-toolkit/mcp-overview/“official MCP server documented at https://developer.mastercard.com/platform/documentation/agent-toolkit/mcp-overview/”

Perform bulk operations across many items at onceweight 2

2 (weight) × 0 (quality) × 0.0 (none) = 0.0 of 20 max

no evidence cited — the verdict rests on absence of evidence, re-checked on refresh

Define rules that trigger actions automatically on eventsweight 3

3 (weight) × 0 (quality) × 0.0 (none) = 0.0 of 30 max

• [claimed-docs] https://developer.mastercard.com/open-finance-us/documentation/webhooks/index.md“Webhooks allow you to receive real-time notifications when specific events occur, eliminating the need for constant polling.”
• [claimed-docs] https://developer.mastercard.com/open-finance-us/documentation/webhooks/obwms/index.md“OBWMS will provide a comprehensive API for managing real-time event notifications, enabling you to subscribe to specific events, ensuring you only receive relevant updates.”

Schedule recurring jobs or workflowsweight 2

2 (weight) × 0 (quality) × 0.0 (none) = 0.0 of 20 max

no evidence cited — the verdict rests on absence of evidence, re-checked on refresh

Version, review, and roll back my automationsweight 1

n/a — not applicable to this product: excluded from numerator and denominator

no evidence cited — the verdict rests on absence of evidence, re-checked on refresh