Swytchcode is a CLI execution layer that sits between your AI agent and production APIs like Finicity—handling authentication, retries, idempotency, and policy control so your agent can call real APIs safely instead of failing silently.

How do I get started with Swytchcode?

Run "npx swytchcode" to install the CLI. Your first 2 live commands don't need an account; after that, run "swytchcode login". Dry runs, --explain, and demos don't count. Then run "swytchcode get finicity" to pull the Finicity manifest and you're ready to call it from your agent.

How does an AI agent actually call the Finicity API through Swytchcode?

Your agent runs "swytchcode exec finicity. " with arguments. Swytchcode validates the call against the Finicity manifest schema, attaches your stored credentials, executes the request, and returns structured JSON your agent can act on—no auth or HTTP handling lives in your agent's code.

What happens if a Finicity call fails, times out, or hits a rate limit?

Swytchcode assigns every Finicity call an idempotency key and retries it automatically on transient failures or rate limits. If your agent re-runs the same action, Swytchcode recognizes the retry and prevents duplicate writes—a raw HTTP call wouldn't give you that safety net.

Can I restrict which Finicity actions my agent is allowed to run?

Yes. Allow and deny rules, available on every plan, can limit which Finicity actions run. Approval workflows, available on Business and above, hold a matching command until someone approves or denies it in that workspace's Slack or Telegram channel. If nobody responds within 48 hours, the command doesn't run.

Where does Swytchcode store my Finicity credentials?

You authenticate once, and Swytchcode stores and refreshes your Finicity credentials server-side. Your agent—and the LLM behind it—only ever sees action names and results, never raw API keys or tokens.

Do I need to write a custom Finicity SDK integration for my agent?

No. "swytchcode get finicity" pulls a pre-built, versioned manifest describing every available Finicity action and its parameters, so your agent calls actions by name instead of you writing and maintaining request/response glue code.

How is calling Finicity through Swytchcode different from calling its API directly?

A direct call means you handle token refresh, retries, error parsing, and schema drift yourself, with no guardrails on what the agent can execute. Swytchcode does all of that and checks each call against your policy rules first, so an agent can't do something with Finicity you didn't explicitly approve.

Do I need a specific framework to call Finicity?

No. Swytchcode runs as a CLI or MCP server, so any agent, IDE assistant, or script can call it. Use the LLM and framework your team prefers.

Does Swytchcode log what my agent does with Finicity?

Yes. Every Finicity call—action, arguments, result, and timestamp—is written to a full audit trail, so you can debug unexpected agent behavior or review exactly what ran in production.

Get started

API Integration

Finicity API for AI Agents

Finicity (a Mastercard company) is an open banking network providing secure consumer-permissioned connections to more than 10,000 North American financial institutions. The API aggregates real-time banking data to deliver automated Verification of Income and Employment (VOI/VOE), Verification of Assets (VOA), and statement analysis. Lenders and fintech apps use it to streamline loan underwriting and instantly verify bank account ownership. Call the Finicity API from the agent stack you already run. Swytchcode supplies the manifest, then handles authentication, retries, idempotency, and validation on every call.

Copy paste to your AI agent

Visit official site View documentation

Provider: Finicity
Category: General
License: Proprietary
Manifest: finicity
Official site: www.mastercard.com/open-banking-us
API docs: View docs

Use cases

What can you build with the Finicity API?

Copy a prompt for the kind of Finicity assistant you want. Each one includes the skills.md setup.

Catch-up assistant

Lookup assistant

Failure watcher

Status writer

Record assistant

Access advisor

Setup guide

How to connect the Finicity API to an AI agent

Four steps, no SDK, no boilerplate. Every Finicity call routed through Swytchcode is idempotency-keyed and safe to retry.

1
Install the CLI
Run "npx swytchcode" to install the Swytchcode CLI—no account required to start.
2
Pull the manifest
Run "swytchcode get finicity" to pull the Finicity API manifest, including its schema and available actions.
3
Authenticate once
Provide your Finicity API credentials a single time. Swytchcode stores and refreshes them so your agent never handles raw secrets.
4
Call it from your agent
Run "swytchcode exec finicity.<action> --key value" from any agent or script. No SDK, no framework lock-in.

swytchcode get finicity
swytchcode exec finicity.<action> --key value

FAQ

Frequently asked questions

Build me a Finicity AI assistant

Copy the prompt into your agent. It will load Swytchcode and wire up Finicity.