Markets · bedrock market · provisional
Accounting and Finance Ops
Platform market (ledger app stores) plus connector coverage. The Kin Score Market layer reads each provider in its market:
who it integrates with, how deep those integrations go, and where the market publishes its own structure.
Methodology.
25providers measured
19 (76.0%)declare their own
1 (4.0%)covered by others only
2 (8.0%)distribution only (sell through, not integrations)
3 (12.0%)undeclared
11declare compatibility (report only, not weighted)
1in-market workflows shown (5 bridges)
Provisional. Provisional and unweighted: the Market layer is not part of the composite or agent readiness. Leader lists are read within a position, never as one ranking. A provider that declares nothing we can
read is shown as undeclared, with no number: we never infer integrations.
Where this market publishes its structure
- Ledger app stores: Xero, FreshBooks, NetSuite machine-readable
- Unified API coverage: Codat, Rutter, Merge machine-readable
- QuickBooks App Store not machine-readable: closed to non-browser clients
- Sage Marketplace not machine-readable: closed to non-browser clients
Own = declares at least one integration itself; covered = visible only because an aggregator, standards body, regulator or partner contract names it; distribution-only = listed only on cloud marketplaces it sells through, a channel reported beside, never counted as its own declared integrations; undeclared = nothing we can read, so no number; declares_compatibility = providers with a `compatible` shape vote, report only (kin, 2026-10-13): never counted as own, never in depth or position.
Taxonomy how this market maps onto apis.io
Derived 2026-10-23 from the 25 providers in this market we could resolve in the
catalog. The percentage is the share of those providers carrying each one; it describes the market, not the tag or industry. Tag groups have no page of their own yet, so they are listed unlinked.
| Tags | Accounting 72%, Invoicing 40%, Fintech 32%, Payments 32%, Accounts Payable 28%, Finance 24%, Expense Management 24%, Small Business 20%, Payroll 20%, Spend Management 20%, Bill Pay 20% |
|---|
| Tag groups | Accounting 84%, Fintech 48%, Expense Management 40%, Finance 24%, Scheduling 20% |
|---|
| Industries | Accounting & Finance Operations 96%, Payments & Money Movement 44%, Financial Technology 36%, Human Resources & Payroll 24% |
|---|
| Capabilities | Financial Management 64%, Procurement Management 24%, Tax Management 20%, Developer Platform & API Ecosystem Management 20% |
|---|
share of resolved cohort carrying it; tags >=0.20 & >=3 members (max 12, junk dropped), tag_groups >=0.20 (cooccurrence, non-cross-cutting; max 8), industries >=0.20 (max 6), areas >=0.10 (max 6; areas are keyword-matched and sparse), capabilities L1 >=0.20 (max 8); derive-market-taxonomy.py
Leaders by position (provisional)
Provisional: grouped by position, depth compared within a position only. Distribution (cloud marketplaces) and iPaaS bridges are counted beside
position, never inside it. Unknown-builder listings are left out of position shares and counted here.
gravity 3 · other companies invest to build on it
| Provider | Depth | Integrations | In / out | Unknown builder | Distribution | iPaaS bridge | Mix |
|---|
| Xero |
55.8 |
153 |
135 / 18 |
0 |
1 |
7 |
partner-built 87%, provider-built 2%, ipaas-bridge 4%, contract 1%, standard 3%, covered 1%, builds-on-platform 2%, distribution 1% |
| Oracle NetSuite |
55.6 |
137 |
91 / 46 |
1 |
0 |
34 |
partner-built 68%, provider-built 1%, ipaas-bridge 24%, contract 1%, standard 1%, covered 1%, builds-on-platform 3%, unknown 1% |
| FreshBooks |
53.7 |
135 |
92 / 43 |
9 |
0 |
35 |
partner-built 66%, provider-built 1%, ipaas-bridge 26%, standard 1%, builds-on-platform 1%, unknown 7% |
builds-on 5 · publishes apps on other platforms' stores
| Provider | Depth | Integrations | In / out | Unknown builder | Distribution | iPaaS bridge | Mix |
|---|
| Ramp |
50.0 |
14 |
0 / 14 |
0 |
2 |
3 |
ipaas-bridge 21%, contract 7%, standard 14%, builds-on-platform 43%, distribution 14% |
| Agave |
44.1 |
3 |
0 / 3 |
0 |
1 |
0 |
builds-on-platform 50%, distribution 50% |
| Cledara |
34.5 thin |
2 |
0 / 2 |
0 |
0 |
0 |
builds-on-platform 100% |
| Expensify |
32.8 |
7 |
0 / 7 |
0 |
0 |
3 |
ipaas-bridge 43%, builds-on-platform 57% |
| Karbon |
19.7 thin |
2 |
0 / 2 |
0 |
0 |
1 |
ipaas-bridge 50%, builds-on-platform 50% |
coverage 3 · reaches banks, carriers, systems or channels (an aggregator)
| Provider | Depth | Integrations | In / out | Unknown builder | Distribution | iPaaS bridge | Mix |
|---|
| Merge |
49.4 |
124 |
0 / 124 |
0 |
1 |
2 |
ipaas-bridge 2%, coverage 93%, builds-on-platform 5%, distribution 1% |
| Codat |
47.7 |
25 |
0 / 25 |
0 |
2 |
3 |
ipaas-bridge 12%, standard 12%, coverage 68%, distribution 8% |
| Rutter |
47.1 |
28 |
0 / 28 |
0 |
0 |
0 |
standard 4%, coverage 93%, builds-on-platform 4% |
regulated 3 · named in a regulator's register or partners' contracts
| Provider | Depth | Integrations | In / out | Unknown builder | Distribution | iPaaS bridge | Mix |
|---|
| BILL |
36.4 thin |
2 |
0 / 2 |
0 |
0 |
0 |
contract 50%, builds-on-platform 50% |
| QuickBooks |
31.7 |
42 |
0 / 42 |
0 |
0 |
37 |
ipaas-bridge 88%, contract 7%, covered 2%, builds-on-platform 2% |
| Float Financial |
19.2 thin |
1 |
0 / 1 |
0 |
0 |
0 |
contract 100% |
standard 4 · listed by a voluntary standard's own directory
| Provider | Depth | Integrations | In / out | Unknown builder | Distribution | iPaaS bridge | Mix |
|---|
| Avalara |
53.7 |
26 |
0 / 26 |
0 |
6 |
1 |
ipaas-bridge 7%, standard 27%, builds-on-platform 27%, distribution 40% |
| Sage |
52.5 |
5 |
0 / 5 |
0 |
0 |
1 |
ipaas-bridge 20%, standard 60%, builds-on-platform 20% |
| Tradeshift |
50.2 |
5 |
0 / 5 |
0 |
2 |
0 |
standard 40%, builds-on-platform 20%, distribution 40% |
| Visma |
34.4 |
4 |
0 / 4 |
0 |
0 |
2 |
ipaas-bridge 50%, standard 50% |
mixed 1 · no single mode dominates
| Provider | Depth | Integrations | In / out | Unknown builder | Distribution | iPaaS bridge | Mix |
|---|
| Intuit |
57.0 |
11 |
0 / 11 |
0 |
0 |
0 |
contract 18%, standard 36%, builds-on-platform 45% |
list 1 · a long list on its own page, mostly unevidenced
| Provider | Depth | Integrations | In / out | Unknown builder | Distribution | iPaaS bridge | Mix |
|---|
| Pennylane |
29.9 |
302 |
0 / 302 |
0 |
0 |
2 |
own-page 98%, ipaas-bridge 1%, standard 1%, builds-on-platform 1% |
distribution 2 · only sells through cloud marketplaces
| Provider | Depth | Integrations | In / out | Unknown builder | Distribution | iPaaS bridge | Mix |
|---|
| Blnk Finance |
19.2 thin |
2 |
0 / 2 |
0 |
2 |
0 |
distribution 100% |
| Monite |
19.2 thin |
2 |
0 / 2 |
0 |
2 |
0 |
distribution 100% |
undeclared 3 · declares nothing we can read: no number
| Provider | Depth | Integrations | In / out | Unknown builder | Distribution | iPaaS bridge | Mix |
|---|
| Brex |
undeclared | - | - | - | - | - | |
| Ottimate |
undeclared | - | - | - | - | - | |
| Vic.ai |
undeclared | - | - | - | - | - | |
Top workflows by market votes
Workflows (Arazzo) and their phrasing are generated by API Evangelist, ranked by market votes (integration edges in the graph, weighted by channel).
In-market workflows only: a step on the market provider's side maps to this market's business capabilities (BC-200, BC-220, BC-500.30), and the partner is not a generic export/notify app. Other workflows are counted as bridges (including any whose steps do not resolve to a capability yet). Methodology.
In-market: 1; bridges: 5 (1 not yet mapped to a capability).
| Workflow | Between | Votes | Weighted | Arazzo |
|---|
Calculate Avalara tax on Stripe Checkout sessions
Before creating a Stripe Checkout Session, call AvaTax createTransaction to compute the correct tax line and attach it to the session totals. |
Avalara
↔ Stripe |
2 |
1.0 |
workflow generated by API Evangelist |