Sila · FinOps Profile

Sila Money Finops

FinOps view of Sila spend. Unlike a flat SaaS API, Sila's cost is dominated by per-transaction and per-verification fees inherent to regulated money movement: each ACH debit / credit (issue_sila, redeem_sila), each identity verification (request_kyc / KYB), and virtual-account provisioning carry unit costs under a negotiated production agreement. The sandbox is free. Because rates are contracted and not published, the meters below are MODELED cost drivers, not reconciled unit prices.

Sila Money Finops is the FinOps profile for Sila on the APIs.io network, aligned with the FinOps Foundation Framework.

It defines 4 billable meters, billed in USD, on a monthly cycle, and pricing category usage-based.

The profile maps 8 FOCUS columns for cost-allocation reporting.

Tagged areas include Embedded Finance, Banking as a Service, Payments, ACH, and Fintech.

Category: Embedded Finance and Payments Pricing: Usage-Based Billing: Monthly FOCUS v1.3
Embedded FinanceBanking as a ServicePaymentsACHFintechFinOpsCost ManagementFOCUS

Framework Alignment

Framework
FinOps Foundation Framework
Data Spec
FOCUS v1.3

Charge Categories

UsagePurchaseAdjustment

FOCUS Columns

BillingCurrency
USD
ChargeCategory
Usage
InvoiceIssuerName
Sila
PricingCategory
Usage-Based
ProviderName
Sila
PublisherName
Sila
ServiceCategory
Embedded Finance and Payments
ServiceName
Sila Money API

Meters

ach_transactions
Unit: transactions
Per ACH money-movement transaction (issue_sila debit, redeem_sila credit). MODELED cost driver.
kyc_verifications
Unit: verifications
Per identity verification (request_kyc) and KYB verification. MODELED cost driver.
virtual_accounts
Unit: accounts
Virtual-account provisioning / maintenance (dedicated account and routing number). MODELED cost driver.
ach_returns
Unit: events
ACH returns / NSF and dispute-handling adjustments flowing through money movement. MODELED cost driver.

Sources