Markets · bedrock market · provisional

Australia AFS, Credit and ADI Registers (ASIC + APRA licensing)

Regulated register market (asic afs + credit licences, apra adi + general insurer authorisations). 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.

125providers measured
16 (12.8%)declare their own
62 (49.6%)covered by others only
5 (4.0%)distribution only (sell through, not integrations)
42 (33.6%)undeclared
1declare compatibility (report only, not weighted)
1in-market workflows shown
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

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 125 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.

TagsAustralia 98%, Open Banking 46%, CDR 41%, Finance 40%, Consumer Banking 40%, Banks 40%, Product Reference Data 34%, Payments 22%
Tag groupsFinance 98%, Fintech 37%, Insurance 27%
IndustriesBanking & Open Banking 46%, Payments & Money Movement 20%
CapabilitiesBanking Product Management 36%, Payments & Card Management 28%

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 1 · other companies invest to build on it

ProviderDepthIntegrationsIn / outUnknown builderDistributioniPaaS bridgeMix
Rest Super 11.5 thin 1 0 / 1 0 0 0 partner-built 100%

builds-on 4 · publishes apps on other platforms' stores

ProviderDepthIntegrationsIn / outUnknown builderDistributioniPaaS bridgeMix
Airwallex 54.0 50 0 / 50 0 4 31 ipaas-bridge 67%, contract 9%, builds-on-platform 15%, distribution 9%
eWAY 36.4 6 0 / 6 0 4 0 builds-on-platform 33%, distribution 67%
Codafication 17.2 thin 1 0 / 1 0 0 0 builds-on-platform 100%
Limepay 17.2 thin 1 0 / 1 0 0 0 builds-on-platform 100%

coverage 1 · reaches banks, carriers, systems or channels (an aggregator)

ProviderDepthIntegrationsIn / outUnknown builderDistributioniPaaS bridgeMix
Steadfast Group 30.7 thin 2 0 / 2 0 0 0 contract 50%, coverage 50%

covered 3 · reached mainly through aggregators

ProviderDepthIntegrationsIn / outUnknown builderDistributioniPaaS bridgeMix
BTC Markets 27.9 thin 2 0 / 2 0 0 0 covered 100%
QBE Insurance 17.2 thin 1 0 / 1 0 0 0 covered 100%
CoinSpot 9.6 thin 1 0 / 1 0 0 0 covered 100%

regulated 60 · named in a regulator's register or partners' contracts

ProviderDepthIntegrationsIn / outUnknown builderDistributioniPaaS bridgeMix
Alex Bank 57.5 3 0 / 3 0 0 0 contract 100%
AMP Bank 57.5 4 0 / 4 0 0 0 contract 100%
Australian Military Bank 57.5 4 0 / 4 0 0 0 contract 100%
Bank Australia 57.5 4 0 / 4 0 0 0 contract 100%
Bank of Queensland 57.5 5 0 / 5 0 0 0 contract 100%
Bank of Sydney 57.5 4 0 / 4 0 0 0 contract 100%
Bendigo and Adelaide Bank 57.5 4 0 / 4 0 0 0 contract 100%
Beyond Bank Australia 57.5 5 0 / 5 0 0 0 contract 100%
Defence Bank 57.5 4 0 / 4 0 0 0 contract 100%
Gateway Bank 57.5 4 0 / 4 0 0 0 contract 100%
HSBC Bank Australia 57.5 3 0 / 3 0 0 0 contract 100%
Hume Bank 57.5 4 0 / 4 0 0 0 contract 100%
Judo Bank 57.5 4 0 / 4 0 0 0 contract 100%
Macquarie Bank 57.5 3 0 / 3 0 0 0 contract 100%
MyState Bank 57.5 4 0 / 4 0 0 0 contract 100%
National Australia Bank 57.5 5 0 / 5 0 0 0 contract 100%
P&N Bank 57.5 4 0 / 4 0 0 0 contract 100%
Police Bank 57.5 4 0 / 4 0 0 0 contract 100%
Rabobank Australia 57.5 4 0 / 4 0 0 0 contract 100%
Regional Australia Bank 57.5 4 0 / 4 0 0 0 contract 100%
Teachers Mutual Bank 57.5 3 0 / 3 0 0 0 contract 100%
Westpac 56.7 7 0 / 7 0 0 0 contract 86%, standard 14%
Australia and New Zealand Banking Group (ANZ) 56.4 5 0 / 5 0 0 0 contract 80%, standard 20%
Commonwealth Bank 56.2 9 0 / 9 0 0 0 contract 80%, standard 20%
Tyro Payments 56.1 4 0 / 4 0 0 0 contract 80%, standard 20%
Auswide Bank 38.3 thin 2 0 / 2 0 0 0 contract 100%
Avenue Bank 38.3 thin 2 0 / 2 0 0 0 contract 100%
Cuscal 38.3 thin 2 0 / 2 0 0 0 contract 100%
Great Southern Bank 38.3 thin 2 0 / 2 0 0 0 contract 100%
MOVE Bank 38.3 thin 2 0 / 2 0 0 0 contract 100%
Unity Bank 38.3 thin 2 0 / 2 0 0 0 contract 100%
Youi 38.3 thin 2 0 / 2 0 0 0 contract 100%
Till Payments 36.4 thin 2 0 / 2 0 0 0 contract 50%, builds-on-platform 50%
Up 36.4 thin 2 0 / 2 0 0 0 contract 50%, standard 50%
Aware Super 28.8 thin 2 0 / 2 0 1 0 contract 50%, distribution 50%
Australian Retirement Trust 19.2 thin 1 0 / 1 0 0 0 contract 100%
AustralianSuper 19.2 thin 1 0 / 1 0 0 0 contract 100%
Bank First 19.2 thin 1 0 / 1 0 0 0 contract 100%
Bank of Melbourne 19.2 thin 1 0 / 1 0 0 0 contract 100%
Bank of us 19.2 thin 1 0 / 1 0 0 0 contract 100%
BankSA 19.2 thin 1 0 / 1 0 0 0 contract 100%
BankVic 19.2 thin 1 0 / 1 0 0 0 contract 100%
Bankwest 19.2 thin 1 0 / 1 0 0 0 contract 100%
BCU Bank 19.2 thin 1 0 / 1 0 0 0 contract 100%
Cover Genius 19.2 thin 1 0 / 1 0 0 0 contract 100%
G&C Mutual Bank 19.2 thin 1 0 / 1 0 0 0 contract 100%
Greater Bank 19.2 thin 1 0 / 1 0 0 0 contract 100%
Honey Insurance 19.2 thin 1 0 / 1 0 0 0 contract 100%
Hostplus 19.2 thin 1 0 / 1 0 0 0 contract 100%
IMB Bank 19.2 thin 1 0 / 1 0 0 0 contract 100%
Newcastle Permanent Building Society 19.2 thin 1 0 / 1 0 0 0 contract 100%
PayMate 19.2 thin 1 0 / 1 0 0 0 contract 100%
People First Bank 19.2 thin 1 0 / 1 0 0 0 contract 100%
Pinnacle Investment Management 19.2 thin 1 0 / 1 0 0 0 contract 100%
Qudos Bank 19.2 thin 1 0 / 1 0 0 0 contract 100%
RACQ Bank 19.2 thin 1 0 / 1 0 0 0 contract 100%
St.George Bank 19.2 thin 1 0 / 1 0 0 0 contract 100%
Summerland Bank 19.2 thin 1 0 / 1 0 0 0 contract 100%
Suncorp Bank 19.2 thin 1 0 / 1 0 0 0 contract 100%
UniSuper 19.2 thin 1 0 / 1 0 0 0 contract 100%

core 2 · builds the connectors its customers need

ProviderDepthIntegrationsIn / outUnknown builderDistributioniPaaS bridgeMix
Zip 21.6 14 0 / 14 0 1 0 partner-built 12%, provider-built 50%, own-page 19%, builds-on-platform 12%, distribution 6%
Assembly Payments 4.0 thin 1 0 / 1 0 0 0 provider-built 100%

list 6 · a long list on its own page, mostly unevidenced

ProviderDepthIntegrationsIn / outUnknown builderDistributioniPaaS bridgeMix
Afterpay 36.8 29 0 / 29 0 1 1 own-page 90%, ipaas-bridge 3%, contract 3%, distribution 3%
Basiq 22.7 12 0 / 12 0 1 0 own-page 75%, contract 17%, distribution 8%
Bupa Australia 9.0 3 0 / 3 0 0 0 own-page 100%
Pin Payments 9.0 47 0 / 47 0 0 0 own-page 100%
Suncorp Group 6.0 thin 2 0 / 2 0 0 0 own-page 100%
Insignia Financial 3.0 thin 1 0 / 1 0 0 0 own-page 100%

long-tail 1 · reached only through iPaaS bridges

ProviderDepthIntegrationsIn / outUnknown builderDistributioniPaaS bridgeMix
Pinch Payments 2.5 thin 1 0 / 1 0 0 1 ipaas-bridge 100%

distribution 5 · only sells through cloud marketplaces

ProviderDepthIntegrationsIn / outUnknown builderDistributioniPaaS bridgeMix
Challenger 28.8 3 0 / 3 0 3 0 distribution 100%
Fat Zebra 19.2 thin 2 0 / 2 0 2 0 distribution 100%
nib 9.6 thin 1 0 / 1 0 1 0 distribution 100%
PropertyMe 9.6 thin 1 0 / 1 0 1 0 distribution 100%
Ray White 9.6 thin 1 0 / 1 0 1 0 distribution 100%

undeclared 42 · declares nothing we can read: no number

ProviderDepthIntegrationsIn / outUnknown builderDistributioniPaaS bridgeMix
Ailo undeclared-----
APRA undeclared-----
ASX undeclared-----
AUB Group undeclared-----
Australian Unity Bank undeclared-----
Azupay undeclared-----
Billhero undeclared-----
Budget Direct undeclared-----
Butn undeclared-----
Console Group undeclared-----
CoreLogic Australia undeclared-----
Deterra Royalties undeclared-----
Ensurance undeclared-----
Evari undeclared-----
Generation Development Group undeclared-----
HCF undeclared-----
Hnry undeclared-----
HUB24 undeclared-----
Insurance Australia Group undeclared-----
ING Australia undeclared-----
Insurance Council of Australia undeclared-----
LJ Hooker undeclared-----
Magellan Financial Group undeclared-----
McGrath undeclared-----
Medibank undeclared-----
Monoova undeclared-----
NPP Australia (AP+) undeclared-----
Open undeclared-----
PayTo undeclared-----
Perpetual undeclared-----
PEXA undeclared-----
Premier Investments undeclared-----
Pricefinder undeclared-----
PSC Insurance undeclared-----
Region Group undeclared-----
Soul Patts undeclared-----
TAL undeclared-----
ubank undeclared-----
Weel undeclared-----
Zai undeclared-----
Zeller undeclared-----
Zepto 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 (), 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: 0.

WorkflowBetweenVotesWeightedArazzo
Codat
Basiq ↔ Codat 0 0.0 workflow generated by API Evangelist

Generated 2026-10-24 from API Evangelist's own files; nothing on this page is a model's judgement. Provisional and unweighted; not part of the Kin Score composite or agent readiness. Read the Market layer methodology. Disagree with an edge? Every edge cites its evidence and can be corrected through the normal correction path.