Personal Finance & Consumer Money

AE-190 Level 1 API Evangelist extension API Evangelist extension, CC BY-NC-SA 61 providers 219 API surfaces 24 rated strong or better

Money tools for individuals rather than institutions.

Personal Finance & Consumer Money (AE-190) is a level-1 business capability in the API Evangelist extension model. The catalog holds 219 API surface(s) from 61 provider(s) that can perform some part of it, 24 of them rated strong or better. Reach is the vendor surface that lands on this capability — it is not a claim about what any particular organisation has deployed.

Where this capability definition comes from. This capability is part of the API Evangelist extension to the business-capability model, written by API Evangelist and licensed CC BY-NC-SA 4.0. API Evangelist capability extension — https://apievangelist.com Audience: consumer It extends, and never modifies, Turbo EA Capabilities by Vincent Verdet (CC BY 4.0). · Extension provenance and licence

Sub-capabilities

Budgeting & Money Management AE-190.10API Evangelist extension, CC BY-NC-SA

consumer

Budgets, savings and financial health.

1 provider, 3 API surfaces

Consumer Credit Building AE-190.20API Evangelist extension, CC BY-NC-SA

consumer

Building and monitoring personal credit.

3 providers, 4 API surfaces

Retail Investing AE-190.30API Evangelist extension, CC BY-NC-SA

consumer

Apps for individuals to invest.

3 providers, 4 API surfaces

Remittances & P2P AE-190.40API Evangelist extension, CC BY-NC-SA

consumer

Sending money to people.

2 providers, 3 API surfaces

Consumer Data Access AE-190.50API Evangelist extension, CC BY-NC-SA

consumerb2b

Consumers sharing their financial data with apps.

53 providers, 200 API surfaces

Bill Pay & Rent AE-190.60API Evangelist extension, CC BY-NC-SA

consumer

Paying household bills.

no catalog coverage

Consumer Tax Filing AE-190.70API Evangelist extension, CC BY-NC-SA

consumer

Filing personal taxes.

1 provider, 3 API surfaces

Personal Insurance AE-190.80API Evangelist extension, CC BY-NC-SA

consumer

Insurance bought by individuals, often embedded.

2 providers, 2 API surfaces

Providers that reach this capability

Ordered by rating band. Reach means a provider publishes an API surface that can perform some part of this capability — it is not a claim that any particular organisation has deployed it.

Exemplar 8 Complete, well-documented, and agent-ready

StripeFinancial Connections1 API82.6 PluggyAccountInvestmentItemsLoan5 APIs72.4 Memo BankAIS1 API71.3 MoneyhubAccountsBeneficiariesHoldingsStanding Orders6 APIs70.3 UpAccountsBanking Account BalancesBanking Account Direct DebitsBanking Account Transactions6 APIs70.1 Method FinancialAccount BalancesAccountsConnectEntity Connects6 APIs69.7 Narmidata access management1 API67.9 MX TechnologiesAccountsBudgetsGoalsInsights9 APIs66.7

Strong 16 Solid coverage with minor gaps

TinkAccountsInvestmentsLoansTransactions4 APIs65.0 WestpacBanking Account BalancesBanking Account TransactionsBanking AccountsBanking Payees4 APIs62.7 Bendigo and Adelaide BankBanking Account BalancesBanking Account Direct DebitsBanking Account TransactionsBanking Accounts5 APIs62.2 VoPayIQ11 EndpointsWithdraw Endpoints2 APIs61.1 AirtmPayments / PayoutsPayouts2 APIs59.5 RolleeAccountsEndpoints2 APIs58.6 Citizens Financial GroupAccounts1 API58.3 FactsetPortfolioPositions2 APIs58.0 Lean TechnologiesAccounts Raw DataBalance Raw DataBeneficiaries Raw DataIdentity Raw Data20 APIs56.8 LynxInvestments1 API56.0 MastercardScores1 API55.7 Brightfield SoftwareConnect1 API55.2 ChariotAccountsContactCustomersStatements5 APIs55.2 AeropayBank Connection1 API54.7 AMP BankBanking Account Direct DebitsBanking Account TransactionsBanking Payees3 APIs54.7 PrometeoBanking1 API54.6

Developing 36 Usable, with meaningful gaps to close

Thin 1 Limited public surface area

UK Open BankingAccount Access ConsentsAccountsBalancesBeneficiaries7 APIs38.0

This page carries no rating. Capabilities are not rated. A capability is a description of what a business does, not a thing a company publishes, so a Kin Score would have nothing to measure.

The edge table is a Pro feature. This page shows which providers and tags reach Personal Finance & Consumer Money. The underlying tag → capability edges — each with the quoted fragment of the provider's own OpenAPI that evidences it, a calibrated confidence score, and the contract-provenance gate it passed — are available through the API, along with company-level capability maps. Only edges at confidence ≥ 0.7 with evidence found verbatim in the source contract are published at all.

See plans → · How the edges are graded →