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Roadmap

The bank2ai roadmap is intentionally narrow: keep the spec small, deepen the conformance story, and grow the marketplace.

Specification​

  • Flip the source-of-truth relationship. Today the spec is derived from the Python reference implementation; a drift test prevents desync. Long-term, the spec should be hand-authored and implementations validated against it. Tracked in the repo under specs/README.md.
  • More transfer rails. prepare-transfer ships with domestic-IS, sepa, sepa-instant, and swift in the Rail enum. Adding more (Faster Payments, ACH, FedNow, Pix, UPI, Interac, …) is additive and continues without breaking existing clients.
  • Loans, savings products, cards-as-objects. bank2ai today covers accounts, transactions, and transfers. Loans and dedicated savings products are the most-requested next domains.

Library​

  • Conformance test suite. A standalone package (bank2ai-conformance) that any server can run against itself.
  • Async streaming for get-transactions. For banks with large transaction histories, streaming results would beat collecting them all in memory.

Marketplace​

  • Public registry online. github.com/bank2ai/marketplace bootstrapped with the demo and reference bank servers.
  • Compatibility matrix. A page listing every published server with the spec versions and tools it supports.

Out of scope​

  • Authentication standardization. Banks differ; bank2ai deliberately stays out of authentication. See Authentication.
  • A bespoke transport. MCP is the transport; we're not inventing another one.

Suggesting changes​

Open an issue at github.com/bank2ai/bank2ai/issues describing the use case. Concrete bank or skill examples beat abstract requests.