Column

Column is a chartered nationally-regulated bank purpose-built for developer APIs. Offers ACH, wires, FedNow, checks, BIN sponsorship, and bank-direct ledgering.

Column publishes 21 API contracts indexed on the APIs.io network, including ACH Transfers API, Wire Transfers API, International Wires API, and 18 more. Tagged areas include Fintech, Banking, Banking as a Service, ACH, and Wires.

The Column catalog on APIs.io includes 1 Spectral governance ruleset.

Column’s developer surface includes sandbox, API reference, changelog, getting-started guide, authentication, engineering blog, and 12 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

36.4/100 thin ▬ flat Agent 26/100 agent aware Front door AI 1/6 silent saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

AccessEnterprise

2 published contracts

Fintech Banking Banking as a Service ACH Wires Embedded Finance

What this lets a business do 3

Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →

Payments & Card Management

BC-1340

ACH TransfersBook TransfersCheck TransfersInternational WiresRealtime TransfersWire Transfers

Deposits & Savings Management

BC-1330

Account NumbersBank Accounts

Banking Customer Management

BC-1300

Entities

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 36.4/100 · thin

Contract Quality 9.4 / 19

Developer Ergonomics 7.5 / 15

Access Clarity 1.8 / 15

Operational Transparency 4.4 / 10

Contract Governance 1.2 / 9

Discoverability 4.8 / 8

Regulatory Posture 1.4 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 26/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 6 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 6 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Banking & Open Finance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document

7 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Access Clarity scores 11.8 — up to +17.6 composite points
Contract Quality scores 50.0 — up to +12.5 composite points
Contract Governance scores 13.6 — up to +10.4 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/column/apis.yml: open an issue on github.com/api-evangelist/column to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
US Banks and Credit Unions (FDIC BankFind + NCUA insured credit unions)	regulated	21.7 (thin)	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Standards implemented 3

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

NACHA

tagged — the provider's own APIs.json carries the standard as a tag; implementation not verified

OpenAPI

measured — observed by APIs.io (published)

AsyncAPI

measured — observed by APIs.io (published)

APIs 21

Individual APIs this provider publishes, each with its own machine-readable definition.

Column ACH Transfers API

Originate and receive ACH transfers with returns and reversal handling.

Column Wire Transfers API

Send domestic wires with drawdowns and return-request workflows.

Column International Wires API

Cross-border wires with FX quoting and amendments.

Column Realtime Transfers API

Instant RTP/FedNow transfers and Request for Payment (RFP).

Column Book Transfers API

Internal ledger movements between Column accounts.

Column Check Services API

Issue, print, mail and deposit physical checks.

Column Lending API

Loan disbursements, payments, sales and reporting.

Column Entities & Accounts API

Person and business entity onboarding plus bank accounts and account numbers.

Column Webhooks

HMAC-SHA256 signed event callbacks for ACH, wire, international wire (SWIFT), realtime (RTP/FedNow), book transfers, checks, bank accounts, identity verification, loans, and rep...

Column Account Numbers API

The Account Numbers API from Column — 2 operation(s) for account numbers.

Column ACH Transfers API

The ACH Transfers API from Column — 4 operation(s) for ach transfers.

Column Bank Accounts API

The Bank Accounts API from Column — 2 operation(s) for bank accounts.

Column Book Transfers API

The Book Transfers API from Column — 2 operation(s) for book transfers.

Column Check Transfers API

The Check Transfers API from Column — 3 operation(s) for check transfers.

Column Counterparties API

The Counterparties API from Column — 2 operation(s) for counterparties.

Column Entities API

The Entities API from Column — 4 operation(s) for entities.

Column Events API

The Events API from Column — 2 operation(s) for events.

Column International Wires API

The International Wires API from Column — 2 operation(s) for international wires.

Column Realtime Transfers API

The Realtime Transfers API from Column — 2 operation(s) for realtime transfers.

Column Webhooks API

The Webhooks API from Column — 2 operation(s) for webhooks.

Column Wire Transfers API

The Wire Transfers API from Column — 2 operation(s) for wire transfers.

Scroll for all 21

Open Collections 14

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

Column Account Numbers API

OPEN COLLECTION

Column Account Numbers ACH Transfers API

OPEN COLLECTION

Column Webhooks

OPEN COLLECTION

Column Account Numbers Bank Accounts API

OPEN COLLECTION

Column Account Numbers Book Transfers API

OPEN COLLECTION

Column Account Numbers Check Transfers API

OPEN COLLECTION

Column Account Numbers Counterparties API

OPEN COLLECTION

Column Account Numbers Entities API

OPEN COLLECTION

Column Account Numbers Events API

OPEN COLLECTION

Column Account Numbers International Wires API

OPEN COLLECTION

Column Account Numbers Realtime Transfers API

OPEN COLLECTION

Column Account Numbers Webhooks API

OPEN COLLECTION

Column Account Numbers Wire Transfers API

OPEN COLLECTION

Column API

OPEN COLLECTION

Scroll for all 14

Column API pricing

Not yet checked against Column's own pricing page. Compiled by API Evangelist on 2026-05-08 from column.com/; confirm before you rely on a figure.

Plan	Price
To Be Reconciled enterprise	—

Plan details, limits and sources →

Rate limits

Default: see provider documentation varies

Compiled by API Evangelist, not yet checked against Column's documentation. Rate-limit details →

Pricing Plans 1

Published pricing tiers and plan structures.

Column Plans Pricing

1 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Column Rate Limits

1 limits

RATE LIMITS

Service Levels 1

Uptime the provider promises or reports, as SLA4OAI. Read from its own pages; APIs.io runs no monitors.

Column

SLA

FinOps 1

Cost, billing, and metering signals for API financial operations.

Column Finops

FINOPS

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Column API Rules

58 rules · 44 errors 8 warnings 6 info

SPECTRAL

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Column Authentication

http · 1 scheme

SECURITY

Column Domain Security

TLSv1.3 · DMARC

SECURITY

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Column Agentic Access

44 operations · 21 acting

AGENTIC

Resources

Get Started 3

Portal, sign-up, and the first successful call

Sandbox

Sandbox

GettingStarted

GettingStarted

Login

Documentation 1

Reference material describing how the API behaves

APIReference

APIReference

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgenticAccess

LlmsText

LlmsText

Design & Contract 1

Pagination, idempotency, versioning, errors, and events

Webhooks

Webhooks

Access & Security 2

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Authentication

Authentication

Operate 3

Status, limits, changes, and where to get help

StatusPage

StatusPage

ChangeLog

ChangeLog

RateLimits

RateLimits

Commercial 2

Pricing, plans, and the legal terms of use

Plans

Plans

FinOps

FinOps

Company 3

The organization behind the API

LinkedIn

Website

Website

Blog

Blog

Other 1

Properties that don't map to a standard resource type

CapabilityMap

CapabilityMap

Source (apis.yml)

aid: column
url: https://raw.githubusercontent.com/api-evangelist/column/refs/heads/main/apis.yml
name: Column
kind: company
description: Column is a chartered nationally-regulated bank purpose-built for developer APIs. Offers ACH, wires, FedNow,
  checks, BIN sponsorship, and bank-direct ledgering.
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: enterprise
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Enterprise
  confidence: medium
  source:
  - plans
  - authentication
  - security
  generated: '2026-11-06'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/column.png
tags:
- Fintech
- Banking
- Banking as a Service
- ACH
- Wires
- Embedded Finance
tags_raw:
- Fintech
- Banking
- Banking as a Service
- ACH
- Wires
- Embedded Finance
created: '2026-05-08'
modified: '2026-05-30'
specificationVersion: '0.23'
apis:
- name: Column ACH Transfers API
  description: Originate and receive ACH transfers with returns and reversal handling.
  humanURL: https://column.com/docs/api
  baseURL: https://api.column.com
  tags:
  - ACH
  - Payments
  properties:
  - type: Documentation
    url: https://column.com/docs/api
- name: Column Wire Transfers API
  description: Send domestic wires with drawdowns and return-request workflows.
  humanURL: https://column.com/docs/api
  baseURL: https://api.column.com
  tags:
  - Wires
  - Payments
  properties:
  - type: Documentation
    url: https://column.com/docs/api
- name: Column International Wires API
  description: Cross-border wires with FX quoting and amendments.
  humanURL: https://column.com/docs/api
  baseURL: https://api.column.com
  tags:
  - Wires
  - Foreign Exchange
  - Cross-Border
  tags_raw:
  - Wires
  - FX
  - Cross-Border
  properties:
  - type: Documentation
    url: https://column.com/docs/api
- name: Column Realtime Transfers API
  description: Instant RTP/FedNow transfers and Request for Payment (RFP).
  humanURL: https://column.com/docs/api
  baseURL: https://api.column.com
  tags:
  - RTP
  - FedNow
  - Instant Payments
  properties:
  - type: Documentation
    url: https://column.com/docs/api
- name: Column Book Transfers API
  description: Internal ledger movements between Column accounts.
  humanURL: https://column.com/docs/api
  baseURL: https://api.column.com
  tags:
  - Book Transfers
  properties:
  - type: Documentation
    url: https://column.com/docs/api
- name: Column Check Services API
  description: Issue, print, mail and deposit physical checks.
  humanURL: https://column.com/docs/api
  baseURL: https://api.column.com
  tags:
  - Check
  - Payments
  properties:
  - type: Documentation
    url: https://column.com/docs/api
- name: Column Lending API
  description: Loan disbursements, payments, sales and reporting.
  humanURL: https://column.com/docs/api
  baseURL: https://api.column.com
  tags:
  - Lending
  - Loans
  properties:
  - type: Documentation
    url: https://column.com/docs/api
- name: Column Entities & Accounts API
  description: Person and business entity onboarding plus bank accounts and account numbers.
  humanURL: https://column.com/docs/api
  baseURL: https://api.column.com
  tags:
  - Account
  - KYC
  tags_raw:
  - Accounts
  - KYC
  properties:
  - type: Documentation
    url: https://column.com/docs/api
- name: Column Webhooks
  description: HMAC-SHA256 signed event callbacks for ACH, wire, international wire (SWIFT), realtime (RTP/FedNow), book transfers,
    checks, bank accounts, identity verification, loans, and reporting.
  humanURL: https://docs.column.com/working-with-the-api/events-and-webhooks/
  baseURL: https://api.column.com
  tags:
  - Webhook
  - Event
  - AsyncAPI
  tags_raw:
  - Webhooks
  - Events
  - AsyncAPI
  properties:
  - type: Documentation
    url: https://docs.column.com/working-with-the-api/events-and-webhooks/
  - type: AsyncAPI
    url: openapi/column-asyncapi.yml
- aid: column:column-account-numbers-api
  name: Column Account Numbers API
  description: The Account Numbers API from Column — 2 operation(s) for account numbers.
  humanURL: https://column.com/docs/api
  baseURL: https://api.column.com
  tags:
  - Account Numbers
  properties:
  - type: OpenAPI
    url: openapi/column-account-numbers-api-openapi.yml
- aid: column:column-ach-transfers-api
  name: Column ACH Transfers API
  description: The ACH Transfers API from Column — 4 operation(s) for ach transfers.
  humanURL: https://column.com/docs/api
  baseURL: https://api.column.com
  tags:
  - ACH Transfers
  properties:
  - type: OpenAPI
    url: openapi/column-ach-transfers-api-openapi.yml
- aid: column:column-bank-accounts-api
  name: Column Bank Accounts API
  description: The Bank Accounts API from Column — 2 operation(s) for bank accounts.
  humanURL: https://column.com/docs/api
  baseURL: https://api.column.com
  tags:
  - Bank Accounts
  properties:
  - type: OpenAPI
    url: openapi/column-bank-accounts-api-openapi.yml
- aid: column:column-book-transfers-api
  name: Column Book Transfers API
  description: The Book Transfers API from Column — 2 operation(s) for book transfers.
  humanURL: https://column.com/docs/api
  baseURL: https://api.column.com
  tags:
  - Book Transfers
  properties:
  - type: OpenAPI
    url: openapi/column-book-transfers-api-openapi.yml
- aid: column:column-check-transfers-api
  name: Column Check Transfers API
  description: The Check Transfers API from Column — 3 operation(s) for check transfers.
  humanURL: https://column.com/docs/api
  baseURL: https://api.column.com
  tags:
  - Check Transfers
  properties:
  - type: OpenAPI
    url: openapi/column-check-transfers-api-openapi.yml
- aid: column:column-counterparties-api
  name: Column Counterparties API
  description: The Counterparties API from Column — 2 operation(s) for counterparties.
  humanURL: https://column.com/docs/api
  baseURL: https://api.column.com
  tags:
  - Counterparties
  properties:
  - type: OpenAPI
    url: openapi/column-counterparties-api-openapi.yml
- aid: column:column-entities-api
  name: Column Entities API
  description: The Entities API from Column — 4 operation(s) for entities.
  humanURL: https://column.com/docs/api
  baseURL: https://api.column.com
  tags:
  - Entities
  properties:
  - type: OpenAPI
    url: openapi/column-entities-api-openapi.yml
- aid: column:column-events-api
  name: Column Events API
  description: The Events API from Column — 2 operation(s) for events.
  humanURL: https://column.com/docs/api
  baseURL: https://api.column.com
  tags:
  - Event
  tags_raw:
  - Events
  properties:
  - type: OpenAPI
    url: openapi/column-events-api-openapi.yml
- aid: column:column-international-wires-api
  name: Column International Wires API
  description: The International Wires API from Column — 2 operation(s) for international wires.
  humanURL: https://column.com/docs/api
  baseURL: https://api.column.com
  tags:
  - International Wires
  properties:
  - type: OpenAPI
    url: openapi/column-international-wires-api-openapi.yml
- aid: column:column-realtime-transfers-api
  name: Column Realtime Transfers API
  description: The Realtime Transfers API from Column — 2 operation(s) for realtime transfers.
  humanURL: https://column.com/docs/api
  baseURL: https://api.column.com
  tags:
  - Realtime Transfers
  properties:
  - type: OpenAPI
    url: openapi/column-realtime-transfers-api-openapi.yml
- aid: column:column-webhooks-api
  name: Column Webhooks API
  description: The Webhooks API from Column — 2 operation(s) for webhooks.
  humanURL: https://column.com/docs/api
  baseURL: https://api.column.com
  tags:
  - Webhook
  tags_raw:
  - Webhooks
  properties:
  - type: OpenAPI
    url: openapi/column-webhooks-api-openapi.yml
- aid: column:column-wire-transfers-api
  name: Column Wire Transfers API
  description: The Wire Transfers API from Column — 2 operation(s) for wire transfers.
  humanURL: https://column.com/docs/api
  baseURL: https://api.column.com
  tags:
  - Wire Transfers
  properties:
  - type: OpenAPI
    url: openapi/column-wire-transfers-api-openapi.yml
common:
- type: CapabilityMap
  url: capabilities/column-capability-edges.yml
  name: Column Business Capability Map
- type: Webhooks
  url: https://docs.column.com/api/webhooks/
- type: Sandbox
  url: https://docs.column.com/guides/sandbox-and-testing
- type: APIReference
  url: https://docs.column.com/api/
- type: StatusPage
  url: https://status.column.com
- type: ChangeLog
  url: https://column.com/changelog/
- type: GettingStarted
  url: https://docs.column.com/guides/getting-started
- type: Login
  url: https://dashboard.column.com/login
- type: AgenticAccess
  url: agentic-access/column-agentic-access.yml
- type: DomainSecurity
  url: security/column-domain-security.yml
- type: Authentication
  url: authentication/column-authentication.yml
- type: LinkedIn
  url: https://www.linkedin.com/company/column-bank
- type: Website
  url: https://column.com/
- url: https://column.com/blog
  type: Blog
- type: Plans
  url: plans/column-plans-pricing.yml
- type: RateLimits
  url: rate-limits/column-rate-limits.yml
- type: FinOps
  url: finops/column-finops.yml
- type: LlmsText
  url: https://column.com/llms.txt
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

Column API — frequently asked questions

Does Column have an API?

Yes. APIs.io lists 21 APIs from Column, including Column ACH Transfers API, Column Wire Transfers API and Column International Wires API, and 18 more.

Is there an OpenAPI specification for the Column API?

Yes. APIs.io indexes 17 OpenAPI specifications for Column, each linked for download from this page.

How do I authenticate with the Column API?

Column uses bearer-token authentication (http · 1 scheme). The details are profiled on APIs.io as Column Authentication.

How much does the Column API cost?

APIs.io lists 1 pricing plan for Column, with each plan's price, limits and inclusions under Pricing on this page.

Is the Column API ready for AI agents?

Column has a Kin Score of 36.4 out of 100 (thin) and an Agent Readiness score of 26.1 (agent-aware), scored by API Evangelist on 2026-11-06.

Work with this as data

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