Bancadia
For agent builders and partners

Methodology and disclosure

This page explains how products get into Bancadia's registry, exactly how results are ordered when an agent queries it, how commissions are meant to work, and what the data does and doesn't cover today. Product discovery is moving to APIs and MCP servers explains why we work this way.

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How products get into the registry

Bancadia lists US business checking accounts. Today, Bancadia compiles each listing from the institution's own published materials (product pages, fee schedules, terms and rate sheets) and maps it to a typed schema: fees and rates are numbers, eligible entity types and insurance type are fixed values, and no core product attribute is free text.

No institution pays to be listed, and no listing is included or excluded because of a commercial relationship. There are no live bank or affiliate partnerships today.

Only listings with an active status are returned to agents. Draft, paused and scheduled listings never are.

How results are ranked

When an agent calls query_business_checking, results go through three steps:

  1. Eligibility filters. Every argument the agent sends (entity types, states, fee ceilings, required features) is a hard filter, and a listing that fails any one isn't returned. Array filters require every value: a listing must accept every requested entity type and be available in every requested state. A listing available in ALL states matches any state.
  2. Base order: monthly fee, lowest first. Ties are broken by a fixed internal ID, so the same query returns the same order.
  3. Soft ranking by fit. If the agent sends target_industries or target_business_profiles, listings tagged for more of those segments move ahead of the rest, keeping fee order within each group. This step never excludes anything: an untagged listing that passed the filters is still returned, just lower.

That's the whole ordering. Commission, payout and commercial relationships are not inputs, and tool responses contain no commission fields. Agents can re-rank results by their own criteria, such as a business's expected net cost, and often should.

Segment tags describe who an account is built for, based on the institution's own positioning. A listing can have several tags or none.

How commissions work

Bancadia is built on a commission-share model. When a bank or affiliate program pays a commission on an account opened through an agent's recommendation, Bancadia is designed to keep part of it and pass a share to the agent that made the recommendation. Bancadia is paid on conversion only: no impressions, no placement fees, no bidding for position.

  • Nothing is live yet. There are no live bank partnerships, and no commissions are being earned or paid to anyone.
  • No published rates. The split isn't set, and we don't make payout promises. Terms will be agreed per integration as commissions become available.
  • Coverage and commissions expand together as partners come online.

Why commissions don't drive ranking

The ranking described above has no access to commission data, and responses don't carry any, so neither Bancadia's ordering nor the calling agent's model can favor a higher-paying account. When commission terms exist, they'll be kept separate from ranking, and we'll update this page to say how they're disclosed.

Disclosure

Every agent integration guide gives the agent a disclosure line to show its user, for example: "We may earn a commission if you open this account; it doesn't affect which accounts are shown." Application links are Bancadia-controlled bancadia.com/go/… redirects that log each click; raw affiliate tracker URLs are never returned. More detail is on the compliance and disclosure page.

What data we have today

  • US business checking only. The MCP server exposes two tools: query_business_checking and get_business_checking_listing. There are no tools for personal accounts, business savings, money market accounts or CDs today.
  • Coverage is early. The registry covers a limited set of institutions and doesn't include every account offered in a given state. An empty result means there's no match in the registry yet, not that no suitable account exists.
  • Some fields are incomplete. A null field means Bancadia doesn't have that data point for the listing yet. It doesn't mean the feature is absent.
  • Integrations are category-level. Filters such as accounting_integration_available say whether an account connects to some accounting software, not which one. Named integrations appear as feature text where we have them.

Data freshness

Every listing the MCP server returns carries two freshness signals:

  • last_modified: when the listing's data last changed in the registry.
  • is_verified: set once the listing's fields have been checked against the institution's source documents.

Active listings that haven't been updated within 30 days are flagged internally as stale and queued for review.

Institutions can change rates and fees at any time without notifying Bancadia. Agents should show the last_modified date when quoting a rate, and send users to the institution's application for final terms. To report an error, email [email protected].

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