Fin

Fin (fin.com) is a global cross-border payments infrastructure company that moves money internationally over stablecoin rails and direct liquidity networks instead of traditional correspondent banking, settling in minutes rather than days. Its Orchestration API lets businesses onboard individual and business customers (KYC/KYB), create beneficiaries, quote FX and fees, send transfer and batch payouts, provision multi-currency virtual accounts that convert fiat deposits to crypto (e.g. USD to USDC), and run crypto orchestration across exchanges. Founded by ex-Citadel engineers, Fin raised a $17M Series A to bring its stablecoin-powered high-value payments product to market. This profile was enriched from the public developer surface at developer.fin.com.

Fin publishes 10 API contracts indexed on the APIs.io network, including Authentication API, Balances API, Beneficiaries API, and 7 more. Tagged areas include Company, Payments, Cross-Border Payments, Stablecoins, and Fintech.

The Fin catalog on APIs.io includes 1 event-driven AsyncAPI specification and 1 Spectral governance ruleset.

Fin’s developer surface includes documentation, API reference, getting-started guide, authentication, changelog, sandbox, support, and 19 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

40.1/100 developing ▬ flat Agent 29/100 agent ready Front door AI 2/6 trace Heartbeat 18/100 dormant Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

2 published contracts 2 Agent Skills

Company Payments Cross-Border Payments Stablecoins Fintech Money Movement Foreign Exchange Virtual Accounts Cryptocurrency

Kin Score

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

Composite quality — 40.1/100 · developing

Contract Quality 11.0 / 19

Developer Ergonomics 9.9 / 15

Access Clarity 0.0 / 15

Operational Transparency 3.1 / 10

Contract Governance 1.6 / 9

Discoverability 5.5 / 8

Regulatory Posture 2.3 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 29/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 7 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 6 / 6

Agent Skills 5 / 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 0 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Payments 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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It updates itself when the score changes. Paste this where you link to your API docs:

<a href="https://apis.io/providers/fin/"><img src="https://apis.io/badge/fin/card.svg" alt="Fin on APIs.io — Kin Score by API Evangelist"></a>

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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)
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Rate-Limit Signaling +7 pts — OpenAPI responses document X-RateLimit-* / RateLimit headers (verified), else a rate_limits artifact or RateLimits link (documented)
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document
Delegated User Identity +6 pts — a served discovery document listing authorization_code in grant_types_supported (served), else an oauth2 authorizationCode flow or openIdConnect declared in an OpenAPI (documented)

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 0.0 — up to +20.0 composite points
Contract Quality scores 58.5 — up to +10.4 composite points
Contract Governance scores 18.2 — up to +9.8 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/fin/apis.yml: open an issue on github.com/api-evangelist/fin 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
Stablecoins and Tokenization (stablecoin issuers, tokenized assets)	regulated	36.4 (thin)	-	-
Canada RPAA Payment Service Providers (Bank of Canada registry + Payments Canada)	regulated	36.4 (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 2

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.

OpenAPI

measured — observed by APIs.io (published)

OAuth 2.0

measured — observed by APIs.io (declared)

APIs 10

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

Fin Authentication API

A modified OAuth 2.0 Client Credential Flow

Fin Balances API

Retrieve wallet balance information

Fin Beneficiaries API

Manage beneficiary accounts for payments and transfers

Fin Catalogue API

A set of endpoints to retrieve contextual data to assemble requests to fin.com's API

Fin Crypto Orchestration API

The Crypto Orchestration API from Fin — 3 operation(s) for crypto orchestration.

Fin Customers API

Customer management and document upload operations

Fin Fees & FX Rates API

Retrieve fees and foreign exchange rates

Fin Transactions API

Transaction history and management for beneficiaries

Fin Virtual Accounts API

Create and manage virtual accounts for USD to USDC conversions

Fin Webhooks API

The Webhooks API from Fin — 0 operation(s) for webhooks.

Scroll for all 10

Open Collections 9

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

Fin.com Authentication API

OPEN COLLECTION

Fin.com Authentication Balances API

OPEN COLLECTION

Fin.com Authentication Beneficiaries API

OPEN COLLECTION

Fin.com Authentication Catalogue API

OPEN COLLECTION

Fin.com Authentication Crypto Orchestration API

OPEN COLLECTION

Fin.com Authentication Customers API

OPEN COLLECTION

Fin.com Authentication Fees & FX Rates API

OPEN COLLECTION

Fin.com Authentication Transactions API

OPEN COLLECTION

Fin.com Authentication Virtual Accounts API

OPEN COLLECTION

Scroll for all 9

Agent Skills 2

Packaged agent skills for driving this provider's APIs from an AI assistant.

Onboard a customer and send a cross-border payout

AGENT SKILL

Provision a virtual account to collect and convert funds

AGENT SKILL

Service Levels 1

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

Fin

SLA

Event Specifications 1

AsyncAPI definitions for this provider's event-driven and streaming APIs.

Fin Webhooks

ASYNCAPI

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Fin API Rules

63 rules · 54 errors 8 warnings 1 info

SPECTRAL

OpenAPI Overlays 1

Overlays applied on top of this provider's contracts. Each card says who wrote it: a document the provider publishes, or one API Evangelist derived or generated.

Fin Openapi Overlay

2 actions · update · fin-openapi-original.yml

DERIVED

Security Posture 2

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

Fin Authentication

http/oauth2 · 1 scheme

SECURITY

Fin Domain Security

TLSv1.3 · DMARC

SECURITY

Agentic Access 1

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

Fin Agentic Access

62 operations · 31 acting

AGENTIC

Resources

Get Started 3

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

GettingStarted

GettingStarted

Sandbox

Sandbox

Documentation 3

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

OpenAPI

OpenAPI

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

X-MCPServerCandidate

AgentSkill

AgenticAccess

LLMsTxt

Design & Contract 6

Pagination, idempotency, versioning, errors, and events

Conventions

ErrorCatalog

Webhooks

Conformance

Lifecycle

DataModel

Access & Security 2

Authentication, authorization, and security posture

Authentication

Authentication

DomainSecurity

DomainSecurity

Operate 4

Status, limits, changes, and where to get help

StatusPage

Deprecation

ChangeLog

Support

Company 3

The organization behind the API

BlogRSS

BlogRSS

Blog

Blog

Website

Website

Other 1

Properties that don't map to a standard resource type

Overlay

Overlay

Source (apis.yml)

aid: fin
name: Fin
description: Fin (fin.com) is a global cross-border payments infrastructure company that moves money internationally over
  stablecoin rails and direct liquidity networks instead of traditional correspondent banking, settling in minutes rather
  than days. Its Orchestration API lets businesses onboard individual and business customers (KYC/KYB), create beneficiaries,
  quote FX and fees, send transfer and batch payouts, provision multi-currency virtual accounts that convert fiat deposits
  to crypto (e.g. USD to USDC), and run crypto orchestration across exchanges. Founded by ex-Citadel engineers, Fin raised
  a $17M Series A to bring its stablecoin-powered high-value payments product to market. This profile was enriched from the
  public developer surface at developer.fin.com.
url: https://raw.githubusercontent.com/api-evangelist/fin/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- accel
- iconiq-capital
- kleiner-perkins
x-backed-by-note: Inherited from the VC-portfolio stub that seeded this repo and left unverified. Public reporting attributes
  fin.com's $17M Series A to Pantera Capital, Sequoia Capital and Samsung Next; the listed firms were not confirmed for this
  entity.
x-tier: enriched
x-tier-reason: portfolio-lead
deliveryModel:
  model: unknown
  open_source: false
  commercial: false
  callable_host: true
  label: Delivery model not determined — needs a product licence on record
  confidence: low
  source:
  - openapi
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - authentication
  - security
  - sandbox
  generated: '2026-11-06'
  method: derived
image: https://cdn.sanity.io/images/xemwqsar/production/0e65aec0795ced77ed5301b8627cbb88059d11d2-1200x630.webp?w=1200&h=630&q=80&fit=crop
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-10-06'
x-docs-platform: mintlify
x-docs-platform-confidence: medium
x-docs-platform-checked: 2026-10-03
tags:
- Company
- Payments
- Cross-Border Payments
- Stablecoins
- Fintech
- Money Movement
- Foreign Exchange
- Virtual Accounts
- Cryptocurrency
tags_raw:
- Company
- Payments
- Cross-Border Payments
- Stablecoins
- Fintech
- Money Movement
- Foreign Exchange
- Virtual Accounts
- Crypto
apis:
- aid: fin:fin-authentication-api
  name: Fin Authentication API
  description: A modified OAuth 2.0 Client Credential Flow
  humanURL: https://developer.fin.com/
  baseURL: https://api.fin.com
  tags:
  - Authentication
  properties:
  - type: OpenAPI
    url: openapi/fin-authentication-api-openapi.yml
  - type: Authentication
    url: authentication/fin-authentication.yml
  - type: Webhooks
    url: asyncapi/fin-webhooks.yml
  - type: ErrorCatalog
    url: errors/fin-problem-types.yml
  - type: Conventions
    url: conventions/fin-conventions.yml
  - type: DataModel
    url: data-model/fin-data-model.yml
- aid: fin:fin-balances-api
  name: Fin Balances API
  description: Retrieve wallet balance information
  humanURL: https://developer.fin.com/
  baseURL: https://api.fin.com
  tags:
  - Balances
  properties:
  - type: OpenAPI
    url: openapi/fin-balances-api-openapi.yml
  - type: Authentication
    url: authentication/fin-authentication.yml
  - type: Webhooks
    url: asyncapi/fin-webhooks.yml
  - type: ErrorCatalog
    url: errors/fin-problem-types.yml
  - type: Conventions
    url: conventions/fin-conventions.yml
  - type: DataModel
    url: data-model/fin-data-model.yml
- aid: fin:fin-beneficiaries-api
  name: Fin Beneficiaries API
  description: Manage beneficiary accounts for payments and transfers
  humanURL: https://developer.fin.com/
  baseURL: https://api.fin.com
  tags:
  - Beneficiaries
  properties:
  - type: OpenAPI
    url: openapi/fin-beneficiaries-api-openapi.yml
  - type: Authentication
    url: authentication/fin-authentication.yml
  - type: Webhooks
    url: asyncapi/fin-webhooks.yml
  - type: ErrorCatalog
    url: errors/fin-problem-types.yml
  - type: Conventions
    url: conventions/fin-conventions.yml
  - type: DataModel
    url: data-model/fin-data-model.yml
- aid: fin:fin-catalogue-api
  name: Fin Catalogue API
  description: 'A set of endpoints to retrieve contextual data to assemble requests

    to fin.com''s API'
  humanURL: https://developer.fin.com/
  baseURL: https://api.fin.com
  tags:
  - Catalogue
  properties:
  - type: OpenAPI
    url: openapi/fin-catalogue-api-openapi.yml
  - type: Authentication
    url: authentication/fin-authentication.yml
  - type: Webhooks
    url: asyncapi/fin-webhooks.yml
  - type: ErrorCatalog
    url: errors/fin-problem-types.yml
  - type: Conventions
    url: conventions/fin-conventions.yml
  - type: DataModel
    url: data-model/fin-data-model.yml
- aid: fin:fin-crypto-orchestration-api
  name: Fin Crypto Orchestration API
  description: The Crypto Orchestration API from Fin — 3 operation(s) for crypto orchestration.
  humanURL: https://developer.fin.com/
  baseURL: https://api.fin.com
  tags:
  - Crypto Orchestration
  properties:
  - type: OpenAPI
    url: openapi/fin-crypto-orchestration-api-openapi.yml
  - type: Authentication
    url: authentication/fin-authentication.yml
  - type: Webhooks
    url: asyncapi/fin-webhooks.yml
  - type: ErrorCatalog
    url: errors/fin-problem-types.yml
  - type: Conventions
    url: conventions/fin-conventions.yml
  - type: DataModel
    url: data-model/fin-data-model.yml
- aid: fin:fin-customers-api
  name: Fin Customers API
  description: Customer management and document upload operations
  humanURL: https://developer.fin.com/
  baseURL: https://api.fin.com
  tags:
  - Customers
  properties:
  - type: OpenAPI
    url: openapi/fin-customers-api-openapi.yml
  - type: Authentication
    url: authentication/fin-authentication.yml
  - type: Webhooks
    url: asyncapi/fin-webhooks.yml
  - type: ErrorCatalog
    url: errors/fin-problem-types.yml
  - type: Conventions
    url: conventions/fin-conventions.yml
  - type: DataModel
    url: data-model/fin-data-model.yml
- aid: fin:fin-fees-fx-rates-api
  name: Fin Fees & FX Rates API
  description: Retrieve fees and foreign exchange rates
  humanURL: https://developer.fin.com/
  baseURL: https://api.fin.com
  tags:
  - Fees & FX Rates
  properties:
  - type: OpenAPI
    url: openapi/fin-fees-fx-rates-api-openapi.yml
  - type: Authentication
    url: authentication/fin-authentication.yml
  - type: Webhooks
    url: asyncapi/fin-webhooks.yml
  - type: ErrorCatalog
    url: errors/fin-problem-types.yml
  - type: Conventions
    url: conventions/fin-conventions.yml
  - type: DataModel
    url: data-model/fin-data-model.yml
- aid: fin:fin-transactions-api
  name: Fin Transactions API
  description: Transaction history and management for beneficiaries
  humanURL: https://developer.fin.com/
  baseURL: https://api.fin.com
  tags:
  - Transaction
  tags_raw:
  - Transactions
  properties:
  - type: OpenAPI
    url: openapi/fin-transactions-api-openapi.yml
  - type: Authentication
    url: authentication/fin-authentication.yml
  - type: Webhooks
    url: asyncapi/fin-webhooks.yml
  - type: ErrorCatalog
    url: errors/fin-problem-types.yml
  - type: Conventions
    url: conventions/fin-conventions.yml
  - type: DataModel
    url: data-model/fin-data-model.yml
- aid: fin:fin-virtual-accounts-api
  name: Fin Virtual Accounts API
  description: Create and manage virtual accounts for USD to USDC conversions
  humanURL: https://developer.fin.com/
  baseURL: https://api.fin.com
  tags:
  - Virtual Accounts
  properties:
  - type: OpenAPI
    url: openapi/fin-virtual-accounts-api-openapi.yml
  - type: Authentication
    url: authentication/fin-authentication.yml
  - type: Webhooks
    url: asyncapi/fin-webhooks.yml
  - type: ErrorCatalog
    url: errors/fin-problem-types.yml
  - type: Conventions
    url: conventions/fin-conventions.yml
  - type: DataModel
    url: data-model/fin-data-model.yml
- aid: fin:fin-webhooks-api
  name: Fin Webhooks API
  description: The Webhooks API from Fin — 0 operation(s) for webhooks.
  humanURL: https://developer.fin.com/
  baseURL: https://api.fin.com
  tags:
  - Webhook
  tags_raw:
  - Webhooks
  properties:
  - type: OpenAPI
    url: openapi/fin-webhooks-api-openapi.yml
common:
- url: https://www.fin.com/rss.xml
  type: BlogRSS
- type: DeveloperPortal
  url: https://developer.fin.com/
- type: Documentation
  url: https://developer.fin.com/
- type: APIReference
  url: https://developer.fin.com/api-reference
- type: GettingStarted
  url: https://developer.fin.com/index
- type: OpenAPI
  url: openapi/_original/fin-openapi-original.yml
- type: Overlay
  url: overlays/fin-openapi-overlay.yaml
- type: Authentication
  url: authentication/fin-authentication.yml
- type: Conventions
  url: conventions/fin-conventions.yml
- type: ErrorCatalog
  url: errors/fin-problem-types.yml
- type: Webhooks
  url: asyncapi/fin-webhooks.yml
- type: Conformance
  url: conformance/fin-conformance.yml
- type: Lifecycle
  url: lifecycle/fin-lifecycle.yml
- type: StatusPage
  url: https://fin.instatus.com
- type: Deprecation
  url: https://developer.fin.com/changelogs/2026-04-20
- type: ChangeLog
  url: changelog/fin-changelog.yml
- type: Sandbox
  url: sandbox/fin-sandbox.yml
- type: DataModel
  url: data-model/fin-data-model.yml
- type: X-MCPServerCandidate
  url: mcp/fin-mcp.yml
  note: 'Renamed from MCPServer 2026-09-03 (roadmap#247): the manifest self-describes as status: candidate — a tool list derived
    from the published API contracts, not an existing server. The scorer already read the manifest and reported mcp_server
    correctly; the MCPServer type was crediting the artifact-type surfaces with a server that does not exist.'
- type: AgentSkill
  url: skills/_index.yml
- type: AgenticAccess
  url: agentic-access/fin-agentic-access.yml
- type: DomainSecurity
  url: security/fin-domain-security.yml
- type: LLMsTxt
  url: llms/fin-llms.txt
- type: Support
  url: mailto:support@fin.com
- type: Blog
  url: https://www.fin.com/stories
- type: Website
  url: https://www.fin.com
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence

Fin API — frequently asked questions

Does Fin have an API?

Yes. APIs.io lists 10 APIs from Fin, including Fin Authentication API, Fin Balances API and Fin Beneficiaries API, and 7 more.

Is there an OpenAPI specification for the Fin API?

Yes. APIs.io indexes 10 OpenAPI specifications for Fin, each linked for download from this page.

How do I authenticate with the Fin API?

Fin uses bearer-token authentication (http/oauth2 · 1 scheme). The details are profiled on APIs.io as Fin Authentication.

Is the Fin API ready for AI agents?

Fin has a Kin Score of 40.1 out of 100 (developing) and an Agent Readiness score of 28.7 (agent-ready), scored by API Evangelist on 2026-11-06.

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