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Guide

MCP vs API: when to use which, and why you may want both.

MCP and APIs are complementary. An API suits deterministic integrations where the developer decides every call; MCP suits AI agents that decide which tools to call at run time. DataGardener offers both: a Company Data API and DataGardener MCP, on the same intelligence.

The short version

An API is a contract between two programs: the developer decides, at design time, which requests to make and what to do with the responses. MCP is a protocol between an AI application and a server: the model decides, at run time, which tools to call based on the question in front of it. They solve different problems and most serious deployments use both.

Side by side

DimensionCompany Data APIDataGardener MCP
Who decides the callsYour developersThe agent, from the question
Typical useOnboarding checks, enrichment jobs, scheduled syncsBriefs, due diligence, market questions, monitoring with reasoning
InterfaceREST endpoints and documentationTask-level tools discovered by the host
OutputFieldsFields plus provenance, usage and a narrative
Latency per answerOne requestSeveral tool calls
Change managementCode change per new use caseNew question, no code change
EntitlementAPI key scoped to a customerOAuth connection scoped to a customer

When the API is the right choice

  • The flow is fixed and must be deterministic (compliance checks, batch enrichment).
  • Latency and cost per call matter more than flexibility.
  • No model is involved, or the model only formats a known result.

When MCP is the right choice

  • The question is open and the path to the answer depends on what is found.
  • Users ask in natural language and expect the evidence to be shown.
  • You want new use cases without new integration code.

Does MCP replace APIs?

No. An MCP server usually calls APIs internally. MCP standardises discovery and invocation for AI applications; APIs remain the backbone for programmatic integration. The DataGardener Company Data API and DataGardener MCP serve the same intelligence through two interfaces.

Trade-offs stated fairly

Agents make more calls than a scripted integration and need governance: tool permissions, entitlement and usage visibility. That is why DataGardener MCP tools are read-only, entitled per connection and report usage. For fixed, high-volume flows, the API remains the efficient path.

Related

MCP vs API: direct answers

Should I use the DataGardener API or DataGardener MCP?

Use the API when your software knows exactly which calls to make, for example an onboarding check that always fetches the same fields. Use MCP when an AI agent needs to decide which intelligence to consult based on a question, for example a borrower brief or supplier due diligence.

Can I use both?

Yes. Many products use the API for fixed flows and MCP for an assistant or investigation feature. Both draw on the same DataGardener intelligence and the same entitlement model.

Is MCP the same as function calling?

Function calling is a model feature: the model emits a structured call to a function the developer defined. MCP standardises how those functions are discovered and served by external servers, so any MCP host can use them without custom code.

Is MCP slower than an API?

An agent typically makes several tool calls to answer an open question, so an investigation takes longer than a single API request. For fixed lookups the API remains faster; for open questions the agent replaces hours of manual research.

Your agents already know how to think.Give them something worth knowing.

Built on DataGardener intelligence already used by leading UK organisations.