The Rho API is a read-only REST API and a native MCP connection to Claude that gives Rho customers programmatic access to their own balances, transactions, statements, and related account data. It is available to every Rho customer, with no waitlist and no approval step. Tokens are read-only and cannot initiate payments or modify accounts. Full reference: docs.rho.co.
Rho is a fintech company, not a bank or an FDIC-insured depository institution. Checking account and card services provided by Webster Bank, a division of Santander Bank, N.A. Member FDIC, and by Lead Bank, Member FDIC.
What you get with the Rho API
¹ Rho API access tokens are read-only and limited to the read scopes selected when the token is created. Tokens cannot initiate payments or modify accounts, and can be revoked at any time. The Rho API is read-only today.
- 01
Sign in as an Owner or Admin
Only Account Owners and Admins can create Rho API access tokens, so programmatic access stays controlled from the start.
- 02
Create an access token
Go to Settings, then Configurations, then Access Tokens. Choose the read scopes the token needs. Tokens support an optional IP allowlist and expire on a schedule you set, up to one year.
- 03
Call the REST API
Send the token in the Authorization: Bearer header and pull accounts, transactions, statements, cards, and invoicing data from the documented GET endpoints; the full reference lives at docs.rho.co.
- 04
Or connect Claude instead
Add Rho from Anthropic's MCP connector directory and ask Claude about your balances, spend, and statements. No code required, and the connection is read-only.
Available to every Rho customer.
- Read-only REST API with a published OpenAPI specification, covering accounts, transactions, statements, cards, and invoicing
- Native MCP connection to Claude, listed in Anthropic's connector directory
- Public docs at docs.rho.co
- Scoped access tokens with optional IP allowlists and set expirations
- Runs alongside native QuickBooks Online, NetSuite, Sage Intacct, and Puzzle integrations
Skip the exports
Pull live Accounts, Transactions, and Statements data straight into your reconciliation workflow, no manual export required.
Ask, don't dig
Connect Claude with one command, then ask plain-language questions about vendor payments or weekly inflows from live Rho data.
Read-only, revocable access
Every token is read-only, created only by an Account Owner or Admin with 2FA, and auto-expires after inactivity.
| Rho | |
|---|---|
| Programmatic access to accounts and transactions | Read-only access to accounts and transactions |
| AI assistant and MCP integration | Native Claude connection plus an MCP guide in the developer docs |
| Can API tokens move money? | No, by design. Tokens are read-only and cannot initiate payments or modify accounts |
| Token and access security | Scoped, revocable tokens with optional IP allowlists, created by Account Owners and Admins only |
| Public developer documentation | Yes, docs.rho.co (REST reference, MCP guide, rate limits) |
| Rho | Mercury | Brex | Ramp | |
|---|---|---|---|---|
| Programmatic access to accounts and transactions | Read-only access to accounts and transactions | Pull balances and list transactions via REST API | Transactions API: view transactions, accounts, and statements | Transactions endpoints for spend visibility and querying |
| AI assistant and MCP integration | Native Claude connection plus an MCP guide in the developer docs | Native MCP server, read-only for AI tools | No MCP or AI-assistant integration documented on developer.brex.com | Three documented MCP servers |
| Can API tokens move money? | No, by design. Tokens are read-only and cannot initiate payments or modify accounts | Yes, the API can initiate ACH transfers | Yes, the Payments API sends ACH, domestic wires, and checks | Yes, write operations include bill creation, payment execution, and card issuance |
| Token and access security | Scoped, revocable tokens with optional IP allowlists, created by Account Owners and Admins only | Scoped tokens with fine-grained permissions and IP allow-listing | Admin-created tokens, scoped at creation, expire after 90 days unused | OAuth 2.0 with granular permission scopes |
| Public developer documentation | Yes, docs.rho.co (REST reference, MCP guide, rate limits) | Yes, docs.mercury.com | Yes, developer.brex.com (10 REST APIs) | Yes, docs.ramp.com (OpenAPI spec published) |
Competitive data collected from Mercury, Brex, and Ramp websites as of 2026-08-20, and may change. The Rho API is read-only today.
A business banking API gives a company programmatic access to its own bank accounts, so engineers can query balances and transactions with code instead of a dashboard. The Rho API is this kind of API: it gives Rho customers direct, read-only access to their accounts, transactions, and statements over REST.
Two neighboring categories cause most of the confusion. Open banking APIs and aggregators (Plaid, for example) are third parties that connect many banks to many apps on your behalf. Banking-as-a-service APIs let a software company embed banking inside its own product for its own users. The Rho API is neither: it is the banking platform's own front door to your own company's data, available to every Rho customer.
- Direct, read-only access to your own accounts, transactions, and statements
- Available to every Rho customer with read-only access today
- The banking platform's own front door to your own company's data
- Available to every Rho customer with no waitlist
A bank feed and a banking API solve different problems, and on Rho they run side by side.
The Rho API operates independently of Rho's native ledger-sync integrations with QuickBooks Online, NetSuite, Sage Intacct, and Puzzle, so accounting keeps flowing while your own tools read the same account through the API.
- Bank feed: pushed to one accounting destination on the feed's schedule
- Rho API: pulled on demand into any system you choose
- Bank feed data: a thin slice of posted transactions
- Rho API data: full detail on accounts and transactions
Rho runs a production MCP server, and Rho is listed in Anthropic's MCP connector directory, so Claude connects to a Rho account natively. The connection is read-only: Claude can analyze balances, transactions, and statements, but it cannot move money or change anything in the account.
1. In Claude, add Rho from Anthropic's connector directory. 2. Authorize the connection as a Rho Account Owner or Admin. 3. Ask Claude for runway math, spend by vendor, or a morning cash brief.
Other MCP clients can connect using the MCP guide at docs.rho.co; Claude is the natively supported client today. Access follows the same rules as every Rho token: read-only, scoped, and revocable at any time.
- Add Rho from Anthropic's connector directory in Claude
- Connection is read-only: Claude cannot move money or change anything
- Other MCP clients can connect using the MCP guide at docs.rho.co
Everything below runs on read-only data pulled through the Rho REST API or MCP. Burn and runway dashboards fed by the transactions endpoints. Reconciliation checks that compare Rho transaction data against your internal ledger. Morning cash briefs assembled by a script or an AI agent over MCP. Spend reporting that blends Rho data with CRM or billing data in your warehouse.
For a startup, the practical result is that the bank account becomes a queryable data source from day one. The Rho API is read-only today; every token is read-only, which also means a leaked token cannot move money.
- Burn and runway dashboards fed by the transactions endpoints
- Reconciliation checks comparing Rho data against your internal ledger
- Morning cash briefs assembled by a script or an AI agent over MCP
- Spend reporting blending Rho data with CRM or billing data in your warehouse
- Invoice and card-spend reports from the invoicing and cards endpoints
Open a Rho account, create a read-only token or connect Claude, and start building. API access is available to every Rho customer, with no waitlist and no approval step.
Frequently asked questions
An API (application programming interface) in banking lets software query a bank account directly, so balances and transactions flow into your own tools without manual exports. The Rho API is an example: it gives Rho customers read-only programmatic access to their accounts, transactions, and statements.
It depends on whether you need to read data or move money. The Rho API is read-only and available to every Rho customer, with a published OpenAPI specification and a native Claude connection. APIs that can initiate payments suit teams that need to automate transfers.
Yes. Add Rho from Anthropic's MCP connector directory in Claude, authorize as an Account Owner or Admin, and ask about balances, spend, and statements. The connection is read-only, so Claude cannot move money or change the account.
Yes. Rho runs a production MCP server and is listed in Anthropic's connector directory. Claude is the natively supported client today, and other MCP clients can connect using the MCP guide at docs.rho.co.
Sign in as an Account Owner or Admin, then go to Settings, Configurations, Access Tokens and create a token. Tokens support an optional IP allowlist and expire on a schedule you set, up to one year. There is no waitlist or approval step.
Yes. Rho API tokens are read-only, so they cannot initiate payments or modify accounts. The public OpenAPI specification lists 10 read scopes and only GET endpoints.
The Rho API v1 has GET endpoints for business, accounts, cards, transactions, statements, invoicing customers and invoices, cashflow and money-movement insights, reimbursements, users, credit programs, and the field catalog. The full list is in the OpenAPI specification at docs.rho.co.
Send an access token in the Authorization: Bearer header. Only Account Owners and Admins can create tokens, each token carries the read scopes selected when it is created, and tokens can be revoked at any time. Setting an IP allowlist is optional.
Plaid connects many banks to many apps through a third party. The Rho API is Rho's own read-only access to your own account data, with no aggregator in between. Both can sit alongside Rho's QuickBooks Online, NetSuite, Sage Intacct, and Puzzle integrations.
Rho is a fintech company, not a bank or an FDIC-insured depository institution. Checking account and card services provided by Webster Bank, a division of Santander Bank, N.A. Member FDIC, and by Lead Bank, Member FDIC. Rho API access tokens are read-only and limited to the read scopes selected when the token is created. Tokens cannot initiate payments or modify accounts. Product capabilities described on this page are current as of October 2026; see docs.rho.co for the current API reference. Competitive data collected from Mercury, Brex, and Ramp websites as of 2026-08-20, and may change.