Model Context Protocol · free developer access

Give your agent real business banking data.

Bancadia handles the banking partnerships and the data engineering. You keep the user relationship and decide when and how to make the recommendation.

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Who this is for

If your product already holds the context that decides which account a business qualifies for, you are two API calls away from making a recommendation with it.

AI bookkeeping & accounting

Your copilot already sees every transaction and fee a client pays. Recommending a better-fitting account is the natural next step.

Fractional CFO & FP&A

Runway and cash management advice lands better with a specific account attached, not a generic "shop around."

Treasury management

The most direct fit on this list: deciding where to hold cash needs real APY tiers, sweep structures, and balance requirements.

Advisor & RIA copilots

Advisors serving business-owner clients need the business banking half of the picture, not just the personal one.

Entity formation

"Open a business bank account" is step one of every post-incorporation checklist. You already know the entity type and state.

SMB finance & payroll

You hold the transaction volume, the payroll cadence, and the entity details that decide which account actually qualifies.

Two tools, one pattern

Query broadly to shortlist, then pull full detail on the one listing your user cares about.

1. `query_business_checking`

Compound filters across fees, eligibility, payment rails, integrations, and yield. Returns active, verified listings ordered by monthly fee.

POST https://mcp.bancadia.com/
Authorization: Bearer bcd_YOUR_TOKEN_HERE
Content-Type: application/json

{
  "jsonrpc": "2.0",
  "id": 1,
  "method": "tools/call",
  "params": {
    "name": "query_business_checking",
    "arguments": {
      "entity_types_accepted": ["llc"],
      "available_states": ["CA"],
      "monthly_fee_max": 0
    }
  }
}

2. `get_business_checking_listing`

The follow-up call. Returns everything a broad query leaves out: the gotcha fees (overdraft, NSF, dormancy), feature narrative, and fees and features nested under the specific plan tier they apply to.

{
  "jsonrpc": "2.0",
  "id": 2,
  "method": "tools/call",
  "params": {
    "name": "get_business_checking_listing",
    "arguments": { "listing_slug": "found-business-checking" }
  }
}

What you can filter on

Every parameter is optional and combines with AND semantics. Send as much context as you have.

Parameter	Type	Filters on
`entity_types_accepted`	string[]	Returns listings accepting all specified entity types (llc, s_corp, c_corp, sole_prop, partnership, nonprofit).
`available_states`	string[]	Returns listings available in all specified states. A listing marked ALL matches any state.
`monthly_fee_max`	number	Maximum monthly maintenance fee.
`minimum_opening_deposit_max`	number	Maximum opening deposit required.
`insurance_type`	fdic \| ncua \| uninsured	Deposit insurance type.
`free_transactions_min`	number	Minimum free transactions included per month.
`cash_deposit_available`	boolean	Whether physical cash deposits are supported at all.
`sub_accounts_supported`	boolean	Whether the account supports sub-accounts or envelopes.
`rtp_supported`	boolean	Real-time payments over any rail.
`rtp_network`	fednow \| rtp_network \| both \| none	A specific real-time payment network.
`accounting_integration_available`	boolean	Native accounting software integration.
`tax_integration_available`	boolean	Native tax-prep or tax-filing integration.
`expense_integration_available`	boolean	Native expense or spend-management integration.
`interest_bearing`	boolean	Whether the account earns interest.
`apy_min`	number	Minimum apy_max (best available rate), not the default rate.

Two more that rank instead of filter

target_industries and target_business_profiles soft-rank results toward listings built for a given kind of business. Non-matching but eligible listings are still returned, just ranked lower — so a recommendation never silently drops an account the user actually qualifies for.

target_industries: ecommerce · retail_storefront · restaurant_food_service · content_creator_solopreneur · professional_services · real_estate · healthcare_practice · construction_trades · trucking_logistics · agriculture · saas_tech · nonprofit · small_business_digital_first
target_business_profiles: early_stage_startup · vc_backed · bootstrapped_solopreneur · established_smb · high_growth · side_hustle

Three ways to connect

MCP-aware client

Claude Code, Claude Desktop, and anything else that speaks MCP. One claude mcp add command.

Raw JSON-RPC

A single streamable-HTTP endpoint. initialize, then tools/call.

Vercel AI SDK

createMCPClient hands the live tool manifest straight to streamText.

Browsing the manifest with tools/list needs no auth at all — a token is only required to call a tool.

Read the quickstart guide →View full MCP reference →

Coverage, and how this gets paid

Business checking is the only live category today. Coverage expands based on what integrating agents ask for. Data covers the United Statesonly. If you need a category Bancadia doesn’t carry yet, say so — requests from integrating agents are what drives the roadmap.

The data is free today. Bancadia is building the banking partnerships that pay affiliate commissions on funded accounts, and when those go live, the agent that made the recommendation takes a cut. Integrate now on free data; the revenue line arrives without you changing a line of code.

Bancadia is not an ad network. There are no impressions, no placement fees, and no bidding for position. Revenue is a commission on a realized conversion — bottom of the funnel, the same mechanic affiliate networks have always run.

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