Markets · bedrock market · provisional
Consumer Lending Licensing (UK, US, Canada credit licence registers)
Regulated register market (fca lending permissions, cfpb supervision, osfi frfis). 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.
709providers measured
63 (8.9%)declare their own
175 (24.7%)covered by others only
34 (4.8%)distribution only (sell through, not integrations)
437 (61.6%)undeclared
72declare compatibility (report only, not weighted)
15in-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
- UK FCA Financial Services Register (register.fca.org.uk, the site's own guest aura JSON: getFirmDetails + FirmDetail initMethod) machine-readable, 161 UK-slice catalog names looked up; 62 authorised firms with a lending permission; 41 linked by FCA-stated website
- CFPB supervised institutions (consumerfinance.gov institutions page, CFPB_Institutions_06302026_Dist.xlsx) machine-readable, 193 depository institutions + affiliates over $10B, names only; 29 linked (Wikidata P856 / register-name)
- OSFI Who we regulate (open.canada.ca dataset b27ec3ef, who_we_regulate_fi_eng.csv) machine-readable, 130 banks / trust / loan companies kept (insurers, fraternal, rep offices dropped); 14 linked; foreign bank branches held
- NMLS Consumer Access (nmlsconsumeraccess.org) not machine-readable: Cloudflare 403 to non-browser clients; in a browser every search redirects to TuringTestPage.aspx (CAPTCHA); not passed
- ASIC credit licensees (data.gov.au/data/dataset/asic-credit-licensees) not machine-readable: HTTP 503 on every retry (2026-10-21, whole data.gov.au host); ASIC Connect is a per-name portal
- UK FCA register API (register.fca.org.uk/Developer) not machine-readable: requires an API key; not used (the site's own public JSON read instead)
- FCAC / FINTRAC lists (canada.ca, fintrac-canafe.canada.ca) not machine-readable: connection refused from this network; OSFI's open-data FRFI list read instead
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 709 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 | Fintech 69%, Lending 50%, Financial Services 48%, Payments 31%, Banking 26%, Mortgage 20% |
|---|---|
| Tag groups | Fintech 91%, Consumer Finance 32%, Real Estate 23% |
| Industries | Financial Technology 70%, Financial Services 49%, Payments & Money Movement 39%, Banking & Open Banking 36% |
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.
builds-on 27 · publishes apps on other platforms' stores
| Provider | Depth | Integrations | In / out | Unknown builder | Distribution | iPaaS bridge | Mix |
|---|---|---|---|---|---|---|---|
| Jifiti | 51.7 | 3 | 0 / 3 | 0 | 0 | 0 | builds-on-platform 100% |
| Sezzle | 51.7 | 3 | 0 / 3 | 0 | 0 | 0 | builds-on-platform 100% |
| Synchrony Financial | 51.7 | 3 | 0 / 3 | 0 | 0 | 0 | builds-on-platform 100% |
| Wayflyer | 46.0 | 4 | 0 / 4 | 0 | 1 | 0 | standard 25%, builds-on-platform 50%, distribution 25% |
| nCino | 42.7 | 6 | 0 / 6 | 0 | 1 | 1 | ipaas-bridge 17%, standard 17%, builds-on-platform 50%, distribution 17% |
| Klump | 36.4 | 3 | 0 / 3 | 0 | 2 | 0 | builds-on-platform 33%, distribution 67% |
| ChargeAfter | 34.5 thin | 2 | 0 / 2 | 0 | 0 | 0 | builds-on-platform 100% |
| Silvr | 34.5 thin | 2 | 0 / 2 | 0 | 0 | 0 | builds-on-platform 100% |
| Uncapped | 34.5 thin | 2 | 0 / 2 | 0 | 0 | 0 | builds-on-platform 100% |
| Mambu | 22.2 | 3 | 0 / 3 | 0 | 0 | 2 | ipaas-bridge 67%, builds-on-platform 33% |
| Apurata | 17.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | builds-on-platform 100% |
| Bluevine | 17.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | builds-on-platform 100% |
| Conekta | 17.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | builds-on-platform 100% |
| Fairplay | 17.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | builds-on-platform 100% |
| LayUp Technologies | 17.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | builds-on-platform 100% |
| Lendio | 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% |
| MaxRewards | 17.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | builds-on-platform 100% |
| Nav | 17.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | builds-on-platform 100% |
| OnDeck | 17.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | builds-on-platform 100% |
| Satago | 17.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | builds-on-platform 100% |
| Small Business Administration (SBA) | 17.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | builds-on-platform 100% |
| Sellersfi | 17.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | builds-on-platform 100% |
| Tamara | 17.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | builds-on-platform 100% |
| Visa Acceptance | 17.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | builds-on-platform 100% |
| Biz2Credit | 0 | 0 / 0 | 0 | 0 | 0 | builds-on-platform 100% | |
| Pipe | 0 | 0 / 0 | 0 | 0 | 0 | builds-on-platform 100% |
coverage 1 · reaches banks, carriers, systems or channels (an aggregator)
| Provider | Depth | Integrations | In / out | Unknown builder | Distribution | iPaaS bridge | Mix |
|---|---|---|---|---|---|---|---|
| Black Knight | 39.5 | 37 | 0 / 37 | 0 | 0 | 0 | standard 3%, coverage 97% |
covered 3 · reached mainly through aggregators
| Provider | Depth | Integrations | In / out | Unknown builder | Distribution | iPaaS bridge | Mix |
|---|---|---|---|---|---|---|---|
| Figure Markets | 35.3 thin | 2 | 0 / 2 | 0 | 0 | 0 | covered 100% |
| Branch | 17.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | covered 100% |
| State Farm | 17.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | covered 100% |
regulated 141 · named in a regulator's register or partners' contracts
| Provider | Depth | Integrations | In / out | Unknown builder | Distribution | iPaaS bridge | Mix |
|---|---|---|---|---|---|---|---|
| PicPay | 65.1 | 6 | 0 / 6 | 0 | 0 | 0 | contract 83%, standard 17% |
| Mercado Pago | 64.3 | 5 | 0 / 5 | 0 | 0 | 0 | contract 80%, builds-on-platform 20% |
| Nu (Nubank) | 64.3 | 5 | 0 / 5 | 0 | 0 | 0 | contract 80%, standard 20% |
| Visa | 58.4 | 15 | 0 / 15 | 0 | 0 | 0 | contract 60%, standard 27%, builds-on-platform 13% |
| NatWest Group | 58.0 | 4 | 0 / 4 | 0 | 0 | 0 | contract 60%, standard 40% |
| Asaas | 57.9 | 7 | 0 / 7 | 0 | 0 | 0 | contract 57%, builds-on-platform 43% |
| Deutsche Bank | 57.5 | 12 | 0 / 12 | 0 | 0 | 0 | contract 75%, standard 25% |
| East West Bancorp | 57.5 | 3 | 0 / 3 | 0 | 0 | 0 | contract 100% |
| Flagstar | 57.5 | 3 | 0 / 3 | 0 | 0 | 0 | contract 100% |
| Interswitch | 57.5 | 3 | 0 / 3 | 0 | 0 | 0 | contract 100% |
| LemFi | 57.5 | 3 | 0 / 3 | 0 | 0 | 0 | contract 100% |
| N26 | 57.5 | 3 | 0 / 3 | 0 | 0 | 0 | contract 100% |
| Popular | 57.5 | 3 | 0 / 3 | 0 | 0 | 0 | contract 100% |
| Texas Capital Bank | 57.5 | 3 | 0 / 3 | 0 | 0 | 0 | contract 100% |
| Wells Fargo | 56.5 | 8 | 0 / 8 | 0 | 0 | 0 | contract 62%, standard 25%, builds-on-platform 12% |
| BMO Financial Group | 56.4 | 5 | 0 / 5 | 0 | 0 | 0 | contract 80%, standard 20% |
| CIBC | 56.1 | 4 | 0 / 4 | 0 | 0 | 0 | contract 75%, standard 25% |
| Investec | 56.1 | 4 | 0 / 4 | 0 | 0 | 0 | contract 75%, standard 25% |
| Axos Bank | 55.6 | 3 | 0 / 3 | 0 | 0 | 0 | contract 67%, standard 33% |
| Golden 1 Credit Union | 55.6 | 3 | 0 / 3 | 0 | 0 | 0 | contract 67%, standard 33% |
| Royal Bank of Canada | 55.6 | 9 | 0 / 9 | 0 | 0 | 0 | contract 56%, standard 33%, builds-on-platform 11% |
| Santander UK | 55.6 | 3 | 0 / 3 | 0 | 0 | 0 | contract 67%, standard 33% |
| Tangerine | 55.6 | 3 | 0 / 3 | 0 | 0 | 0 | contract 67%, standard 33% |
| Citi | 55.2 | 5 | 0 / 5 | 0 | 0 | 0 | contract 60%, standard 40% |
| Authorize.net | 44.4 | 7 | 0 / 7 | 0 | 3 | 0 | contract 43%, builds-on-platform 14%, distribution 43% |
| FT Cash | 41.9 thin | 2 | 0 / 2 | 0 | 0 | 0 | contract 100% |
| Iugu | 41.4 | 5 | 0 / 5 | 0 | 1 | 1 | ipaas-bridge 20%, contract 40%, standard 20%, distribution 20% |
| Fintecture | 40.2 | 7 | 0 / 7 | 0 | 4 | 0 | contract 29%, builds-on-platform 14%, distribution 57% |
| Chase | 39.6 thin | 2 | 0 / 2 | 0 | 0 | 0 | contract 50%, standard 50% |
| Alliant Credit Union | 38.3 thin | 2 | 0 / 2 | 0 | 0 | 0 | contract 100% |
| Amartha | 38.3 thin | 2 | 0 / 2 | 0 | 0 | 0 | contract 100% |
| Amex Bank of Canada | 38.3 thin | 2 | 0 / 2 | 0 | 0 | 0 | contract 100% |
| Atlantic Union Bank | 38.3 thin | 2 | 0 / 2 | 0 | 0 | 0 | contract 100% |
| B2B Bank | 38.3 thin | 2 | 0 / 2 | 0 | 0 | 0 | contract 100% |
| Bank of Hawaii | 38.3 thin | 2 | 0 / 2 | 0 | 0 | 0 | contract 100% |
| Bank of Ireland (UK) | 38.3 thin | 2 | 0 / 2 | 0 | 0 | 0 | contract 100% |
| Bank OZK | 38.3 thin | 2 | 0 / 2 | 0 | 0 | 0 | contract 100% |
| Bridgewater Bank | 38.3 thin | 2 | 0 / 2 | 0 | 0 | 0 | contract 100% |
| Brim Financial | 38.3 thin | 2 | 0 / 2 | 0 | 0 | 0 | contract 100% |
| C. Hoare & Co. | 38.3 thin | 2 | 0 / 2 | 0 | 0 | 0 | contract 100% |
| Canadian Tire Bank | 38.3 thin | 2 | 0 / 2 | 0 | 0 | 0 | contract 100% |
| Cashplus Bank | 38.3 thin | 2 | 0 / 2 | 0 | 0 | 0 | contract 100% |
| City National Bank | 38.3 thin | 2 | 0 / 2 | 0 | 0 | 0 | contract 100% |
| Coast Capital Savings | 38.3 thin | 2 | 0 / 2 | 0 | 0 | 0 | contract 100% |
| Columbia Bank | 38.3 thin | 2 | 0 / 2 | 0 | 0 | 0 | contract 100% |
| Coutts | 38.3 thin | 2 | 0 / 2 | 0 | 0 | 0 | contract 100% |
| Coventry Building Society | 38.3 thin | 2 | 0 / 2 | 0 | 0 | 0 | contract 100% |
| Cullen/Frost Bankers | 38.3 thin | 2 | 0 / 2 | 0 | 0 | 0 | contract 100% |
| Customers Bank | 38.3 thin | 2 | 0 / 2 | 0 | 0 | 0 | contract 100% |
| Cynergy Bank | 38.3 thin | 2 | 0 / 2 | 0 | 0 | 0 | contract 100% |
| Equitable Bank | 38.3 thin | 2 | 0 / 2 | 0 | 0 | 0 | contract 100% |
| First Hawaiian Bank | 38.3 thin | 2 | 0 / 2 | 0 | 0 | 0 | contract 100% |
| First Horizon | 38.3 thin | 2 | 0 / 2 | 0 | 0 | 0 | contract 100% |
| Kroo | 38.3 thin | 2 | 0 / 2 | 0 | 0 | 0 | contract 100% |
| Laurentian Bank of Canada | 38.3 thin | 2 | 0 / 2 | 0 | 0 | 0 | contract 100% |
| Manulife Bank | 38.3 thin | 2 | 0 / 2 | 0 | 0 | 0 | contract 100% |
| Metro Bank | 38.3 thin | 2 | 0 / 2 | 0 | 0 | 0 | contract 100% |
| MidFirst Bank | 38.3 thin | 2 | 0 / 2 | 0 | 0 | 0 | contract 100% |
| National Bank of Canada | 38.3 thin | 2 | 0 / 2 | 0 | 0 | 0 | contract 100% |
| Nationwide Building Society | 38.3 thin | 2 | 0 / 2 | 0 | 0 | 0 | contract 100% |
| Old National Bank | 38.3 thin | 2 | 0 / 2 | 0 | 0 | 0 | contract 100% |
| Prosperity Bank | 38.3 thin | 2 | 0 / 2 | 0 | 0 | 0 | contract 100% |
| Randolph-Brooks FCU | 38.3 thin | 2 | 0 / 2 | 0 | 0 | 0 | contract 100% |
| Raymond James Bank | 38.3 thin | 2 | 0 / 2 | 0 | 0 | 0 | contract 100% |
| Sallie Mae Bank | 38.3 thin | 2 | 0 / 2 | 0 | 0 | 0 | contract 100% |
| SchoolsFirst FCU | 38.3 thin | 2 | 0 / 2 | 0 | 0 | 0 | contract 100% |
| Secure Trust Bank | 38.3 thin | 2 | 0 / 2 | 0 | 0 | 0 | contract 100% |
| State Employees' Credit Union | 38.3 thin | 2 | 0 / 2 | 0 | 0 | 0 | contract 100% |
| Tandem Bank | 38.3 thin | 2 | 0 / 2 | 0 | 0 | 0 | contract 100% |
| TSB Bank | 38.3 thin | 2 | 0 / 2 | 0 | 0 | 0 | contract 100% |
| Valley National Bank | 38.3 thin | 2 | 0 / 2 | 0 | 0 | 0 | contract 100% |
| Vancity Community Investment Bank | 38.3 thin | 2 | 0 / 2 | 0 | 0 | 0 | contract 100% |
| VyStar Credit Union | 38.3 thin | 2 | 0 / 2 | 0 | 0 | 0 | contract 100% |
| Weatherbys Bank | 38.3 thin | 2 | 0 / 2 | 0 | 0 | 0 | contract 100% |
| Yorkshire Building Society | 38.3 thin | 2 | 0 / 2 | 0 | 0 | 0 | contract 100% |
| zopa | 38.3 thin | 2 | 0 / 2 | 0 | 0 | 0 | contract 100% |
| Bank of Scotland | 36.4 thin | 2 | 0 / 2 | 0 | 0 | 0 | contract 50%, standard 50% |
| Citizens Financial Group | 36.4 thin | 2 | 0 / 2 | 0 | 0 | 0 | contract 50%, standard 50% |
| HSBC | 36.4 thin | 2 | 0 / 2 | 0 | 0 | 0 | contract 50%, standard 50% |
| Navy Federal Credit Union | 36.4 thin | 2 | 0 / 2 | 0 | 0 | 0 | contract 50%, standard 50% |
| NG.Cash | 36.4 thin | 2 | 0 / 2 | 0 | 0 | 0 | contract 50%, standard 50% |
| RE/MAX | 36.4 thin | 2 | 0 / 2 | 0 | 0 | 0 | contract 50%, standard 50% |
| Self | 36.4 thin | 2 | 0 / 2 | 0 | 0 | 0 | contract 50%, standard 50% |
| Varo Bank | 36.4 thin | 2 | 0 / 2 | 0 | 0 | 0 | contract 50%, standard 50% |
| Cleo | 28.8 thin | 2 | 0 / 2 | 0 | 1 | 0 | contract 50%, distribution 50% |
| Lendable | 28.8 thin | 2 | 0 / 2 | 0 | 1 | 0 | contract 50%, distribution 50% |
| Neo Financial | 28.8 thin | 2 | 0 / 2 | 0 | 2 | 0 | contract 33%, distribution 67% |
| Unchained Capital | 28.8 thin | 2 | 0 / 2 | 0 | 1 | 0 | contract 50%, distribution 50% |
| Xfers | 28.8 thin | 2 | 0 / 2 | 0 | 1 | 0 | contract 50%, distribution 50% |
| Bitstack | 22.7 thin | 1 | 0 / 1 | 0 | 0 | 0 | contract 100% |
| Money View | 22.7 thin | 1 | 0 / 1 | 0 | 0 | 0 | contract 100% |
| Shriram Finance | 22.7 thin | 1 | 0 / 1 | 0 | 0 | 0 | contract 100% |
| SK Finance | 22.7 thin | 1 | 0 / 1 | 0 | 0 | 0 | contract 100% |
| Vastu Housing Finance Corporation | 22.7 thin | 1 | 0 / 1 | 0 | 0 | 0 | contract 100% |
| Akulaku | 19.5 thin | 1 | 0 / 1 | 0 | 0 | 0 | contract 100% |
| Kredivo | 19.5 thin | 1 | 0 / 1 | 0 | 0 | 0 | contract 100% |
| Abra | 19.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | contract 100% |
| Acorns | 19.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | contract 100% |
| Agrolend | 19.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | contract 100% |
| AIB Group (UK) | 19.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | contract 100% |
| Alliance Data Systems (Bread Financial Holdings) | 19.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | contract 100% |
| Ally Financial | 19.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | contract 100% |
| Anyfin | 19.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | contract 100% |
| Atom Bank plc | 19.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | contract 100% |
| Barclays | 19.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | contract 100% |
| Carmoola | 19.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | contract 100% |
| Chase UK | 19.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | contract 100% |
| Citcon | 19.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | contract 100% |
| Clearscore | 19.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | contract 100% |
| Close Brothers | 19.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | contract 100% |
| CRED | 19.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | contract 100% |
| Estateguru | 19.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | contract 100% |
| Fifth Third Bancorp | 19.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | contract 100% |
| Finda | 19.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | contract 100% |
| Habito | 19.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | contract 100% |
| Hampden & Co | 19.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | contract 100% |
| Handelsbanken UK | 19.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | contract 100% |
| Jumo | 19.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | contract 100% |
| KakaoBank | 19.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | contract 100% |
| Kuda | 19.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | contract 100% |
| Lead Bank | 19.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | contract 100% |
| Leeds Building Society | 19.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | contract 100% |
| LendInvest | 19.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | contract 100% |
| Moneybox | 19.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | contract 100% |
| Nave Bank | 19.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | contract 100% |
| Northmill | 19.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | contract 100% |
| Paragon Bank | 19.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | contract 100% |
| Principality Building Society | 19.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | contract 100% |
| Principly | 19.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | contract 100% |
| Proportunity | 19.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | contract 100% |
| Scratchpay | 19.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | contract 100% |
| Shawbrook Bank | 19.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | contract 100% |
| Sidekick | 19.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | contract 100% |
| Skipton Building Society | 19.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | contract 100% |
| SoFi Technologies | 19.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | contract 100% |
| Solaris | 19.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | contract 100% |
| Triodos Bank UK | 19.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | contract 100% |
| Wagestream | 19.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | contract 100% |
| Yonder | 19.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | contract 100% |
| Zilch | 19.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | contract 100% |
| Aspora | 17.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | contract 50%, standard 50% |
standard 48 · listed by a voluntary standard's own directory
| Provider | Depth | Integrations | In / out | Unknown builder | Distribution | iPaaS bridge | Mix |
|---|---|---|---|---|---|---|---|
| Capital One | 53.7 | 5 | 0 / 5 | 0 | 0 | 0 | contract 20%, standard 60%, builds-on-platform 20% |
| Truework | 51.7 | 3 | 0 / 3 | 0 | 0 | 0 | standard 100% |
| Capchase | 40.9 thin | 2 | 0 / 2 | 0 | 0 | 0 | standard 50%, builds-on-platform 50% |
| Fundbox | 40.9 thin | 2 | 0 / 2 | 0 | 0 | 0 | standard 50%, builds-on-platform 50% |
| Paymob | 35.8 thin | 2 | 0 / 2 | 0 | 0 | 0 | standard 50%, builds-on-platform 50% |
| Jack Henry & Associates | 35.6 thin | 2 | 0 / 2 | 0 | 0 | 0 | standard 100% |
| 8fig | 34.5 thin | 2 | 0 / 2 | 0 | 0 | 0 | standard 50%, builds-on-platform 50% |
| Addi | 34.5 thin | 2 | 0 / 2 | 0 | 0 | 0 | standard 50%, builds-on-platform 50% |
| FlyHomes | 34.5 thin | 2 | 0 / 2 | 0 | 0 | 0 | standard 100% |
| Landis | 34.5 thin | 2 | 0 / 2 | 0 | 0 | 0 | standard 100% |
| Nova Credit | 34.5 thin | 2 | 0 / 2 | 0 | 0 | 0 | standard 100% |
| Ocrolus | 34.5 thin | 2 | 0 / 2 | 0 | 0 | 0 | standard 50%, builds-on-platform 50% |
| Papaya Pay | 34.5 thin | 2 | 0 / 2 | 0 | 0 | 0 | standard 50%, builds-on-platform 50% |
| Point | 34.5 thin | 2 | 0 / 2 | 0 | 0 | 0 | standard 100% |
| Tilt | 34.5 thin | 2 | 0 / 2 | 0 | 0 | 0 | standard 100% |
| Yeeld | 34.5 thin | 2 | 0 / 2 | 0 | 0 | 0 | standard 50%, builds-on-platform 50% |
| Freddie Mac | 27.5 thin | 2 | 0 / 2 | 0 | 1 | 0 | standard 50%, distribution 50% |
| Amount | 26.8 thin | 2 | 0 / 2 | 0 | 1 | 0 | standard 50%, distribution 50% |
| Method Financial | 26.8 thin | 2 | 0 / 2 | 0 | 1 | 0 | standard 50%, distribution 50% |
| Notarize | 23.6 thin | 1 | 0 / 1 | 0 | 0 | 0 | standard 100% |
| Sunbit | 23.6 thin | 1 | 0 / 1 | 0 | 0 | 0 | standard 100% |
| SavvyMoney | 20.4 thin | 1 | 0 / 1 | 0 | 0 | 0 | standard 100% |
| Auxmoney | 17.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | standard 100% |
| Bloom Credit | 17.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | standard 100% |
| Bruce | 17.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | standard 100% |
| Built | 17.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | standard 100% |
| Clear Capital | 17.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | standard 100% |
| Cross River Bank | 17.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | standard 100% |
| Discover | 17.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | standard 100% |
| Earnest | 17.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | standard 100% |
| Earnin | 17.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | standard 100% |
| Fannie Mae | 17.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | standard 100% |
| Funding Circle | 17.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | standard 100% |
| Hometap | 17.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | standard 100% |
| Kavak | 17.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | standard 100% |
| Lentra | 17.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | standard 100% |
| Mercantile | 17.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | standard 100% |
| Mos | 17.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | standard 100% |
| Petal | 17.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | standard 100% |
| PLACE | 17.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | standard 100% |
| Prodigy Finance | 17.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | standard 100% |
| Propel | 17.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | standard 100% |
| Rent-A-Center | 17.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | standard 100% |
| Salient | 17.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | standard 100% |
| Snapdocs | 17.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | standard 100% |
| Tellus | 17.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | standard 100% |
| Vesta | 17.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | standard 100% |
| Clutch | 17.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | standard 100% |
core 4 · builds the connectors its customers need
| Provider | Depth | Integrations | In / out | Unknown builder | Distribution | iPaaS bridge | Mix |
|---|---|---|---|---|---|---|---|
| QI Tech | 47.1 | 10 | 0 / 10 | 0 | 0 | 0 | provider-built 90%, contract 10% |
| Tabby | 46.6 | 13 | 0 / 13 | 0 | 2 | 0 | provider-built 77%, builds-on-platform 8%, distribution 15% |
| Cash App | 38.4 | 11 | 0 / 11 | 0 | 0 | 0 | partner-built 18%, provider-built 36%, own-page 36%, contract 9% |
| Zip | 21.6 | 14 | 0 / 14 | 0 | 1 | 0 | partner-built 12%, provider-built 50%, own-page 19%, builds-on-platform 12%, distribution 6% |
mixed 6 · no single mode dominates
| Provider | Depth | Integrations | In / out | Unknown builder | Distribution | iPaaS bridge | Mix |
|---|---|---|---|---|---|---|---|
| Klarna | 60.2 | 34 | 0 / 34 | 0 | 2 | 3 | partner-built 18%, provider-built 6%, own-page 26%, ipaas-bridge 9%, contract 15%, standard 9%, builds-on-platform 12%, distribution 6% |
| Affirm | 55.3 | 7 | 0 / 7 | 0 | 0 | 0 | contract 14%, standard 43%, builds-on-platform 43% |
| American Express | 54.6 | 11 | 0 / 11 | 0 | 0 | 0 | contract 45%, standard 45%, builds-on-platform 9% |
| Mastercard | 52.4 | 13 | 0 / 13 | 0 | 4 | 0 | contract 31%, standard 23%, builds-on-platform 15%, distribution 31% |
| Billie | 50.5 | 3 | 0 / 3 | 0 | 1 | 0 | standard 33%, builds-on-platform 33%, distribution 33% |
| Splitit | 46.0 | 3 | 0 / 3 | 0 | 1 | 0 | contract 33%, builds-on-platform 33%, distribution 33% |
list 4 · a long list on its own page, mostly unevidenced
| Provider | Depth | Integrations | In / out | Unknown builder | Distribution | iPaaS bridge | Mix |
|---|---|---|---|---|---|---|---|
| Afterpay | 36.8 | 29 | 0 / 29 | 0 | 1 | 1 | own-page 90%, ipaas-bridge 3%, contract 3%, distribution 3% |
| Total Expert | 29.3 | 13 | 0 / 13 | 0 | 0 | 0 | own-page 69%, standard 15%, builds-on-platform 15% |
| Basiq | 22.7 | 12 | 0 / 12 | 0 | 1 | 0 | own-page 75%, contract 17%, distribution 8% |
| Iress | 16.4 | 5 | 0 / 5 | 0 | 0 | 0 | own-page 80%, coverage 20% |
long-tail 4 · reached only through iPaaS bridges
| Provider | Depth | Integrations | In / out | Unknown builder | Distribution | iPaaS bridge | Mix |
|---|---|---|---|---|---|---|---|
| Klutch | 12.1 thin | 2 | 0 / 2 | 0 | 1 | 1 | ipaas-bridge 50%, distribution 50% |
| Lev | 5.6 | 6 | 0 / 6 | 0 | 0 | 6 | ipaas-bridge 100% |
| Homebot | 5.5 | 36 | 0 / 36 | 0 | 0 | 31 | ipaas-bridge 100% |
| LendingPad | 2.5 thin | 1 | 0 / 1 | 0 | 0 | 1 | ipaas-bridge 100% |
distribution 34 · only sells through cloud marketplaces
| Provider | Depth | Integrations | In / out | Unknown builder | Distribution | iPaaS bridge | Mix |
|---|---|---|---|---|---|---|---|
| Unit | 28.8 | 3 | 0 / 3 | 0 | 3 | 0 | distribution 100% |
| PAY.JP | 28.7 | 4 | 0 / 4 | 0 | 4 | 0 | distribution 100% |
| Blnk Finance | 19.2 thin | 2 | 0 / 2 | 0 | 2 | 0 | distribution 100% |
| Kanmon | 19.2 thin | 2 | 0 / 2 | 0 | 2 | 0 | distribution 100% |
| Landmark Information Group | 19.2 thin | 2 | 0 / 2 | 0 | 2 | 0 | distribution 100% |
| AltScore | 9.6 thin | 1 | 0 / 1 | 0 | 1 | 0 | distribution 100% |
| Aplazo | 9.6 thin | 1 | 0 / 1 | 0 | 1 | 0 | distribution 100% |
| ATTOM | 9.6 thin | 1 | 0 / 1 | 0 | 1 | 0 | distribution 100% |
| Blend | 9.6 thin | 1 | 0 / 1 | 0 | 1 | 0 | distribution 100% |
| Bowery Valuation | 9.6 thin | 1 | 0 / 1 | 0 | 1 | 0 | distribution 100% |
| Celsius Network | 9.6 thin | 1 | 0 / 1 | 0 | 1 | 0 | distribution 100% |
| Coru | 9.6 thin | 1 | 0 / 1 | 0 | 1 | 0 | distribution 100% |
| Credit Karma | 9.6 thin | 1 | 0 / 1 | 0 | 1 | 0 | distribution 100% |
| Finiata | 9.6 thin | 1 | 0 / 1 | 0 | 1 | 0 | distribution 100% |
| FintechOS | 9.6 thin | 1 | 0 / 1 | 0 | 1 | 0 | distribution 100% |
| flowpay.io | 9.6 thin | 1 | 0 / 1 | 0 | 1 | 0 | distribution 100% |
| Heron | 9.6 thin | 1 | 0 / 1 | 0 | 1 | 0 | distribution 100% |
| Hokodo | 9.6 thin | 1 | 0 / 1 | 0 | 1 | 0 | distribution 100% |
| HouseCanary | 9.6 thin | 1 | 0 / 1 | 0 | 1 | 0 | distribution 100% |
| Imprint | 9.6 thin | 1 | 0 / 1 | 0 | 1 | 0 | distribution 100% |
| Jerry | 9.6 thin | 1 | 0 / 1 | 0 | 1 | 0 | distribution 100% |
| La Haus | 9.6 thin | 1 | 0 / 1 | 0 | 1 | 0 | distribution 100% |
| M2P Fintech | 9.6 thin | 1 | 0 / 1 | 0 | 1 | 0 | distribution 100% |
| MoMo | 9.6 thin | 1 | 0 / 1 | 0 | 1 | 0 | distribution 100% |
| Nesto | 9.6 thin | 1 | 0 / 1 | 0 | 1 | 0 | distribution 100% |
| Parafin | 9.6 thin | 1 | 0 / 1 | 0 | 1 | 0 | distribution 100% |
| PatientFi | 9.6 thin | 1 | 0 / 1 | 0 | 1 | 0 | distribution 100% |
| Pretto | 9.6 thin | 1 | 0 / 1 | 0 | 1 | 0 | distribution 100% |
| Purplebricks | 9.6 thin | 1 | 0 / 1 | 0 | 1 | 0 | distribution 100% |
| Ray White | 9.6 thin | 1 | 0 / 1 | 0 | 1 | 0 | distribution 100% |
| Scalapay | 9.6 thin | 1 | 0 / 1 | 0 | 1 | 0 | distribution 100% |
| TartanHQ | 9.6 thin | 1 | 0 / 1 | 0 | 1 | 0 | distribution 100% |
| Valon | 9.6 thin | 1 | 0 / 1 | 0 | 1 | 0 | distribution 100% |
| Xepelin | 9.6 thin | 1 | 0 / 1 | 0 | 1 | 0 | distribution 100% |
undeclared 437 · declares nothing we can read: no number
| Provider | Depth | Integrations | In / out | Unknown builder | Distribution | iPaaS bridge | Mix |
|---|---|---|---|---|---|---|---|
| 10x Banking Technology Services | undeclared | - | - | - | - | - | |
| 8B Education Investments | undeclared | - | - | - | - | - | |
| 8percent | undeclared | - | - | - | - | - | |
| Aaron's | undeclared | - | - | - | - | - | |
| Able | undeclared | - | - | - | - | - | |
| Abwab Ai | undeclared | - | - | - | - | - | |
| Academic Capital Exchange | undeclared | - | - | - | - | - | |
| Accord | undeclared | - | - | - | - | - | |
| Aceable | undeclared | - | - | - | - | - | |
| Acorn Finance | undeclared | - | - | - | - | - | |
| Acrisure | undeclared | - | - | - | - | - | |
| Admiral Group | undeclared | - | - | - | - | - | |
| Advance Tech Lending | undeclared | - | - | - | - | - | |
| Adventum Student Living | undeclared | - | - | - | - | - | |
| AdvisorCheck | undeclared | - | - | - | - | - | |
| Aella Credit | undeclared | - | - | - | - | - | |
| Aerem | undeclared | - | - | - | - | - | |
| Aggra | undeclared | - | - | - | - | - | |
| Agora Data | undeclared | - | - | - | - | - | |
| AI Bank | undeclared | - | - | - | - | - | |
| AI Unlimited Group | undeclared | - | - | - | - | - | |
| Albo | undeclared | - | - | - | - | - | |
| Alix | undeclared | - | - | - | - | - | |
| Alphaeon Credit | undeclared | - | - | - | - | - | |
| Alt | undeclared | - | - | - | - | - | |
| Alt Bank | undeclared | - | - | - | - | - | |
| Amalan | undeclared | - | - | - | - | - | |
| Amparo | undeclared | - | - | - | - | - | |
| Anchor Finance | undeclared | - | - | - | - | - | |
| AND Global | undeclared | - | - | - | - | - | |
| APAC Financial Services | undeclared | - | - | - | - | - | |
| Apollo Agriculture | undeclared | - | - | - | - | - | |
| Applepie Capital | undeclared | - | - | - | - | - | |
| Approva | undeclared | - | - | - | - | - | |
| Apto | undeclared | - | - | - | - | - | |
| Arro | undeclared | - | - | - | - | - | |
| Arthanfinance | undeclared | - | - | - | - | - | |
| Arya | undeclared | - | - | - | - | - | |
| Asaak | undeclared | - | - | - | - | - | |
| Ascentfunding | undeclared | - | - | - | - | - | |
| Assurly | undeclared | - | - | - | - | - | |
| Asula | undeclared | - | - | - | - | - | |
| Atlas Card | undeclared | - | - | - | - | - | |
| Atom Bank | undeclared | - | - | - | - | - | |
| Atrato | undeclared | - | - | - | - | - | |
| Autobooks | undeclared | - | - | - | - | - | |
| AutoFi | undeclared | - | - | - | - | - | |
| Automax Ai | undeclared | - | - | - | - | - | |
| Ava | undeclared | - | - | - | - | - | |
| Avant | undeclared | - | - | - | - | - | |
| Avantifinance | undeclared | - | - | - | - | - | |
| Aven | undeclared | - | - | - | - | - | |
| Avenews | undeclared | - | - | - | - | - | |
| Avenue One | undeclared | - | - | - | - | - | |
| Avida Holding | undeclared | - | - | - | - | - | |
| Aviva | undeclared | - | - | - | - | - | |
| Bachatt | undeclared | - | - | - | - | - | |
| Balerion | undeclared | - | - | - | - | - | |
| Ballard Spahr | undeclared | - | - | - | - | - | |
| Bankbazaar | undeclared | - | - | - | - | - | |
| Bankjoy | undeclared | - | - | - | - | - | |
| BankruptcyWatch | undeclared | - | - | - | - | - | |
| Barclays US | undeclared | - | - | - | - | - | |
| Baubap | undeclared | - | - | - | - | - | |
| Beem | undeclared | - | - | - | - | - | |
| Better | undeclared | - | - | - | - | - | |
| BharatPe | undeclared | - | - | - | - | - | |
| Bibit | undeclared | - | - | - | - | - | |
| Billease | undeclared | - | - | - | - | - | |
| BILT | undeclared | - | - | - | - | - | |
| Bilt Rewards | undeclared | - | - | - | - | - | |
| Blooma | undeclared | - | - | - | - | - | |
| Bluestem Brands | undeclared | - | - | - | - | - | |
| Brace | undeclared | - | - | - | - | - | |
| Pylon (formerly Braid Lending) | undeclared | - | - | - | - | - | |
| Bread Financial | undeclared | - | - | - | - | - | |
| Brightmoney | undeclared | - | - | - | - | - | |
| Brigit | undeclared | - | - | - | - | - | |
| Bumped | undeclared | - | - | - | - | - | |
| Can Capital | undeclared | - | - | - | - | - | |
| Capim | undeclared | - | - | - | - | - | |
| card.io | undeclared | - | - | - | - | - | |
| Cardless | undeclared | - | - | - | - | - | |
| Carefull | undeclared | - | - | - | - | - | |
| CARFAX | undeclared | - | - | - | - | - | |
| Caribou | undeclared | - | - | - | - | - | |
| Casavo | undeclared | - | - | - | - | - | |
| cashbus | undeclared | - | - | - | - | - | |
| Cavco Industries | undeclared | - | - | - | - | - | |
| Cazoo | undeclared | - | - | - | - | - | |
| Century Communities | undeclared | - | - | - | - | - | |
| Consumer Financial Protection Bureau (CFPB) | undeclared | - | - | - | - | - | |
| ChangEd | undeclared | - | - | - | - | - | |
| Charlie Finance | undeclared | - | - | - | - | - | |
| Cherry | undeclared | - | - | - | - | - | |
| Chime | undeclared | - | - | - | - | - | |
| Fortune Technology (China FIF) | undeclared | - | - | - | - | - | |
| Cholamandalam | undeclared | - | - | - | - | - | |
| Circle Asia | undeclared | - | - | - | - | - | |
| Clearco | undeclared | - | - | - | - | - | |
| Clerkie | undeclared | - | - | - | - | - | |
| Clikalia | undeclared | - | - | - | - | - | |
| Comfi | undeclared | - | - | - | - | - | |
| CommonBond | undeclared | - | - | - | - | - | |
| Comun | undeclared | - | - | - | - | - | |
| Concerto | undeclared | - | - | - | - | - | |
| Connells Group | undeclared | - | - | - | - | - | |
| Constantinople | undeclared | - | - | - | - | - | |
| Copper Banking | undeclared | - | - | - | - | - | |
| Copper.co | undeclared | - | - | - | - | - | |
| Copperlane | undeclared | - | - | - | - | - | |
| CoreLogic Australia | undeclared | - | - | - | - | - | |
| Credgenics | undeclared | - | - | - | - | - | |
| Credi2 | undeclared | - | - | - | - | - | |
| CrediFi | undeclared | - | - | - | - | - | |
| Credilinq.ai | undeclared | - | - | - | - | - | |
| Credit Genie | undeclared | - | - | - | - | - | |
| Credit Sesame | undeclared | - | - | - | - | - | |
| Creditas | undeclared | - | - | - | - | - | |
| Crosslend | undeclared | - | - | - | - | - | |
| CRS Credit API | undeclared | - | - | - | - | - | |
| CUNA Mutual Group (TruStage) | undeclared | - | - | - | - | - | |
| DeepSparks | undeclared | - | - | - | - | - | |
| Defacto | undeclared | - | - | - | - | - | |
| defi SOLUTIONS | undeclared | - | - | - | - | - | |
| Deserve | undeclared | - | - | - | - | - | |
| Doma | undeclared | - | - | - | - | - | |
| Drivio | undeclared | - | - | - | - | - | |
| dv01 | undeclared | - | - | - | - | - | |
| Dwight Capital | undeclared | - | - | - | - | - | |
| EarnUp | undeclared | - | - | - | - | - | |
| EasyKnock | undeclared | - | - | - | - | - | |
| EDUFI | undeclared | - | - | - | - | - | |
| Efficient Capital Labs | undeclared | - | - | - | - | - | |
| Ekpa | undeclared | - | - | - | - | - | |
| Encompass | undeclared | - | - | - | - | - | |
| Erad | undeclared | - | - | - | - | - | |
| Erudifi | undeclared | - | - | - | - | - | |
| Even Financial | undeclared | - | - | - | - | - | |
| Fairbanc | undeclared | - | - | - | - | - | |
| FairMoney | undeclared | - | - | - | - | - | |
| Falcon | undeclared | - | - | - | - | - | |
| Farm Credit Administration | undeclared | - | - | - | - | - | |
| Federal Student Aid | undeclared | - | - | - | - | - | |
| Feesable | undeclared | - | - | - | - | - | |
| Federal Housing Finance Agency (FHFA) | undeclared | - | - | - | - | - | |
| Fi Money | undeclared | - | - | - | - | - | |
| Fibe | undeclared | - | - | - | - | - | |
| Fidelity National Financial | undeclared | - | - | - | - | - | |
| Fig | undeclared | - | - | - | - | - | |
| Figure Technology Solutions | undeclared | - | - | - | - | - | |
| Finbots.AI | undeclared | - | - | - | - | - | |
| Fincompare | undeclared | - | - | - | - | - | |
| Fincura | undeclared | - | - | - | - | - | |
| Finmid | undeclared | - | - | - | - | - | |
| Finova Capital | undeclared | - | - | - | - | - | |
| Fintor | undeclared | - | - | - | - | - | |
| First American Financial | undeclared | - | - | - | - | - | |
| First Circle | undeclared | - | - | - | - | - | |
| First National of Nebraska | undeclared | - | - | - | - | - | |
| FirstCash Holdings | undeclared | - | - | - | - | - | |
| Fivestargroup | undeclared | - | - | - | - | - | |
| Flat | undeclared | - | - | - | - | - | |
| Flex | undeclared | - | - | - | - | - | |
| Flueid | undeclared | - | - | - | - | - | |
| Foxtons | undeclared | - | - | - | - | - | |
| Fund That Flip | undeclared | - | - | - | - | - | |
| Fundera | undeclared | - | - | - | - | - | |
| Funding Societies | undeclared | - | - | - | - | - | |
| Fundly | undeclared | - | - | - | - | - | |
| Gain Credit | undeclared | - | - | - | - | - | |
| Balance | undeclared | - | - | - | - | - | |
| Cino | undeclared | - | - | - | - | - | |
| Ginnie Mae | undeclared | - | - | - | - | - | |
| Good Leap | undeclared | - | - | - | - | - | |
| Graviti | undeclared | - | - | - | - | - | |
| GrowXCD | undeclared | - | - | - | - | - | |
| Habi | undeclared | - | - | - | - | - | |
| Happy Money | undeclared | - | - | - | - | - | |
| Harvest Platform | undeclared | - | - | - | - | - | |
| Hello Alice | undeclared | - | - | - | - | - | |
| High Mark Credit Information Services | undeclared | - | - | - | - | - | |
| Highline | undeclared | - | - | - | - | - | |
| Hilltop Holdings | undeclared | - | - | - | - | - | |
| Home Account | undeclared | - | - | - | - | - | |
| Home Trust | undeclared | - | - | - | - | - | |
| Homeday | undeclared | - | - | - | - | - | |
| HomeFirst | undeclared | - | - | - | - | - | |
| HomeLight | undeclared | - | - | - | - | - | |
| Hometrack | undeclared | - | - | - | - | - | |
| HomeVision | undeclared | - | - | - | - | - | |
| Homeward | undeclared | - | - | - | - | - | |
| HUD - US Department of Housing and Urban Development | undeclared | - | - | - | - | - | |
| Hum Capital | undeclared | - | - | - | - | - | |
| huspy | undeclared | - | - | - | - | - | |
| Hypercore | undeclared | - | - | - | - | - | |
| Ideal Invest | undeclared | - | - | - | - | - | |
| IKF Finance | undeclared | - | - | - | - | - | |
| Iman | undeclared | - | - | - | - | - | |
| Indifi | undeclared | - | - | - | - | - | |
| InstaPaisa | undeclared | - | - | - | - | - | |
| Interhyp | undeclared | - | - | - | - | - | |
| Investly | undeclared | - | - | - | - | - | |
| Ivella | undeclared | - | - | - | - | - | |
| Jar | undeclared | - | - | - | - | - | |
| Jaris | undeclared | - | - | - | - | - | |
| Jenfi | undeclared | - | - | - | - | - | |
| Jodo | undeclared | - | - | - | - | - | |
| Jumba | undeclared | - | - | - | - | - | |
| Juno | undeclared | - | - | - | - | - | |
| Jupiter Money | undeclared | - | - | - | - | - | |
| Kaaj | undeclared | - | - | - | - | - | |
| Kafene | undeclared | - | - | - | - | - | |
| Kalto | undeclared | - | - | - | - | - | |
| Kapital | undeclared | - | - | - | - | - | |
| Kasheesh | undeclared | - | - | - | - | - | |
| Kennek | undeclared | - | - | - | - | - | |
| Khazna | undeclared | - | - | - | - | - | |
| Kiavi | undeclared | - | - | - | - | - | |
| Kickpay | undeclared | - | - | - | - | - | |
| Kikoff | undeclared | - | - | - | - | - | |
| Kita | undeclared | - | - | - | - | - | |
| Klar | undeclared | - | - | - | - | - | |
| Klarna Kosma | undeclared | - | - | - | - | - | |
| Knight Fintech | undeclared | - | - | - | - | - | |
| Koin | undeclared | - | - | - | - | - | |
| Konfio | undeclared | - | - | - | - | - | |
| KreditBee | undeclared | - | - | - | - | - | |
| Monedo | undeclared | - | - | - | - | - | |
| Kriya | undeclared | - | - | - | - | - | |
| Kudos | undeclared | - | - | - | - | - | |
| Kueski | undeclared | - | - | - | - | - | |
| Landcor Data | undeclared | - | - | - | - | - | |
| Lane API | undeclared | - | - | - | - | - | |
| Leaky | undeclared | - | - | - | - | - | |
| Leap Finance | undeclared | - | - | - | - | - | |
| Leif | undeclared | - | - | - | - | - | |
| LendAPI | undeclared | - | - | - | - | - | |
| Lendbuzz | undeclared | - | - | - | - | - | |
| LendingClub | undeclared | - | - | - | - | - | |
| LendKey | undeclared | - | - | - | - | - | |
| Lendo | undeclared | - | - | - | - | - | |
| Lendorse | undeclared | - | - | - | - | - | |
| Lendsquare | undeclared | - | - | - | - | - | |
| Lendtable | undeclared | - | - | - | - | - | |
| LendUp | undeclared | - | - | - | - | - | |
| LendUp Global | undeclared | - | - | - | - | - | |
| Lennar | undeclared | - | - | - | - | - | |
| Leo1 | undeclared | - | - | - | - | - | |
| Levocred AI | undeclared | - | - | - | - | - | |
| Coadjute | undeclared | - | - | - | - | - | |
| LIQUiDITY Group | undeclared | - | - | - | - | - | |
| LittleFund | undeclared | - | - | - | - | - | |
| Lower | undeclared | - | - | - | - | - | |
| Mastercard Gateway API | undeclared | - | - | - | - | - | |
| Maxwell Financial | undeclared | - | - | - | - | - | |
| Maza | undeclared | - | - | - | - | - | |
| McGrath | undeclared | - | - | - | - | - | |
| MeridianLink | undeclared | - | - | - | - | - | |
| MFellows | undeclared | - | - | - | - | - | |
| Milo Credit | undeclared | - | - | - | - | - | |
| Mintifi | undeclared | - | - | - | - | - | |
| MISMO | undeclared | - | - | - | - | - | |
| Mission Lane | undeclared | - | - | - | - | - | |
| MNT-Halan | undeclared | - | - | - | - | - | |
| Money You're Owed | undeclared | - | - | - | - | - | |
| Morado | undeclared | - | - | - | - | - | |
| Morty | undeclared | - | - | - | - | - | |
| Mr. Cooper Group | undeclared | - | - | - | - | - | |
| MRU | undeclared | - | - | - | - | - | |
| Muse Finance | undeclared | - | - | - | - | - | |
| NAKAD | undeclared | - | - | - | - | - | |
| Nationstar Mortgage Holdings | undeclared | - | - | - | - | - | |
| Navient | undeclared | - | - | - | - | - | |
| Nawy | undeclared | - | - | - | - | - | |
| Nelo | undeclared | - | - | - | - | - | |
| NerdWallet | undeclared | - | - | - | - | - | |
| New York Community Bancorp | undeclared | - | - | - | - | - | |
| Nexu | undeclared | - | - | - | - | - | |
| Nibbles PBC | undeclared | - | - | - | - | - | |
| Noah | undeclared | - | - | - | - | - | |
| Noble | undeclared | - | - | - | - | - | |
| Noh | undeclared | - | - | - | - | - | |
| OakNorth | undeclared | - | - | - | - | - | |
| Octane Lending | undeclared | - | - | - | - | - | |
| Ocwen Financial | undeclared | - | - | - | - | - | |
| Ofbusiness | undeclared | - | - | - | - | - | |
| OJO Labs | undeclared | - | - | - | - | - | |
| One | undeclared | - | - | - | - | - | |
| ONE ZERO Digital Bank | undeclared | - | - | - | - | - | |
| OneBlinc | undeclared | - | - | - | - | - | |
| Onecard | undeclared | - | - | - | - | - | |
| OneMain Holdings | undeclared | - | - | - | - | - | |
| OnePay | undeclared | - | - | - | - | - | |
| Oolka | undeclared | - | - | - | - | - | |
| OPay | undeclared | - | - | - | - | - | |
| Oper Credits | undeclared | - | - | - | - | - | |
| Oportun | undeclared | - | - | - | - | - | |
| Oradian | undeclared | - | - | - | - | - | |
| Orbii | undeclared | - | - | - | - | - | |
| Orchard | undeclared | - | - | - | - | - | |
| Oto Capital | undeclared | - | - | - | - | - | |
| Own Up | undeclared | - | - | - | - | - | |
| Oxyzo | undeclared | - | - | - | - | - | |
| Oze | undeclared | - | - | - | - | - | |
| Pagar.me | undeclared | - | - | - | - | - | |
| Paidy | undeclared | - | - | - | - | - | |
| Paperstack | undeclared | - | - | - | - | - | |
| Pashouses | undeclared | - | - | - | - | - | |
| PawnHero | undeclared | - | - | - | - | - | |
| Payflex | undeclared | - | - | - | - | - | |
| Payitoff | undeclared | - | - | - | - | - | |
| PayJoy | undeclared | - | - | - | - | - | |
| Payna | undeclared | - | - | - | - | - | |
| PayNearMe | undeclared | - | - | - | - | - | |
| Paytient | undeclared | - | - | - | - | - | |
| PayZen | undeclared | - | - | - | - | - | |
| PC Financial | undeclared | - | - | - | - | - | |
| PeerStreet | undeclared | - | - | - | - | - | |
| PennyMac Financial Services | undeclared | - | - | - | - | - | |
| PeopleFund, Perfect Technologies | undeclared | - | - | - | - | - | |
| Perpay | undeclared | - | - | - | - | - | |
| PEXA | undeclared | - | - | - | - | - | |
| PiggyVest | undeclared | - | - | - | - | - | |
| Pine | undeclared | - | - | - | - | - | |
| Pinhome | undeclared | - | - | - | - | - | |
| Possible Finance | undeclared | - | - | - | - | - | |
| PrecisionLender | undeclared | - | - | - | - | - | |
| Pricefinder | undeclared | - | - | - | - | - | |
| Prime Meridian | undeclared | - | - | - | - | - | |
| Prism Data | undeclared | - | - | - | - | - | |
| Properly | undeclared | - | - | - | - | - | |
| Prosper | undeclared | - | - | - | - | - | |
| Provide | undeclared | - | - | - | - | - | |
| Prypco | undeclared | - | - | - | - | - | |
| Qardy | undeclared | - | - | - | - | - | |
| QueroQuitar | undeclared | - | - | - | - | - | |
| R2 | undeclared | - | - | - | - | - | |
| Radian Group | undeclared | - | - | - | - | - | |
| Raseedi | undeclared | - | - | - | - | - | |
| Rebaja Tus Cuentas | undeclared | - | - | - | - | - | |
| Red Ventures | undeclared | - | - | - | - | - | |
| Redcarpetup | undeclared | - | - | - | - | - | |
| Refyne | undeclared | - | - | - | - | - | |
| Reggora | undeclared | - | - | - | - | - | |
| Renew Financial | undeclared | - | - | - | - | - | |
| Reno | undeclared | - | - | - | - | - | |
| RenoFi | undeclared | - | - | - | - | - | |
| Roam | undeclared | - | - | - | - | - | |
| Rocket Companies | undeclared | - | - | - | - | - | |
| Rollee | undeclared | - | - | - | - | - | |
| Rupeek | undeclared | - | - | - | - | - | |
| Rupifi | undeclared | - | - | - | - | - | |
| Ryland Group | undeclared | - | - | - | - | - | |
| SarisAI | undeclared | - | - | - | - | - | |
| SeedFi | undeclared | - | - | - | - | - | |
| Shara | undeclared | - | - | - | - | - | |
| ShopBack | undeclared | - | - | - | - | - | |
| Shriram City | undeclared | - | - | - | - | - | |
| SimpleNexus | undeclared | - | - | - | - | - | |
| simplifile | undeclared | - | - | - | - | - | |
| Skeps | undeclared | - | - | - | - | - | |
| Slice | undeclared | - | - | - | - | - | |
| Slope | undeclared | - | - | - | - | - | |
| Smava | undeclared | - | - | - | - | - | |
| Sokowatch / Wasoko | undeclared | - | - | - | - | - | |
| Solar Mosaic | undeclared | - | - | - | - | - | |
| SoLo Funds | undeclared | - | - | - | - | - | |
| Souqalmal | undeclared | - | - | - | - | - | |
| Splash Financial | undeclared | - | - | - | - | - | |
| Splitero | undeclared | - | - | - | - | - | |
| Sprift | undeclared | - | - | - | - | - | |
| Step | undeclared | - | - | - | - | - | |
| Stockpile | undeclared | - | - | - | - | - | |
| StoreCash | undeclared | - | - | - | - | - | |
| Stori | undeclared | - | - | - | - | - | |
| StreamLoan | undeclared | - | - | - | - | - | |
| Sumeria | undeclared | - | - | - | - | - | |
| Summer | undeclared | - | - | - | - | - | |
| Super.com | undeclared | - | - | - | - | - | |
| SwitchMe | undeclared | - | - | - | - | - | |
| Syscap | undeclared | - | - | - | - | - | |
| Tala | undeclared | - | - | - | - | - | |
| Tammwel | undeclared | - | - | - | - | - | |
| Taylor Morrison Home | undeclared | - | - | - | - | - | |
| Theorem | undeclared | - | - | - | - | - | |
| Three Wheels United | undeclared | - | - | - | - | - | |
| Tienda Pago | undeclared | - | - | - | - | - | |
| Tomo Guides | undeclared | - | - | - | - | - | |
| TomoCredit | undeclared | - | - | - | - | - | |
| Tonik | undeclared | - | - | - | - | - | |
| Toqio | undeclared | - | - | - | - | - | |
| Traive | undeclared | - | - | - | - | - | |
| Tranched | undeclared | - | - | - | - | - | |
| Tri Pointe Homes | undeclared | - | - | - | - | - | |
| Trim | undeclared | - | - | - | - | - | |
| Tripplus | undeclared | - | - | - | - | - | |
| Trovy | undeclared | - | - | - | - | - | |
| True Footage | undeclared | - | - | - | - | - | |
| TrueAccord | undeclared | - | - | - | - | - | |
| Truehold | undeclared | - | - | - | - | - | |
| Trussle | undeclared | - | - | - | - | - | |
| Trust | undeclared | - | - | - | - | - | |
| Tuum | undeclared | - | - | - | - | - | |
| Ummeed Housing Finance | undeclared | - | - | - | - | - | |
| Uni | undeclared | - | - | - | - | - | |
| Unison | undeclared | - | - | - | - | - | |
| Unlock | undeclared | - | - | - | - | - | |
| UpEquity | undeclared | - | - | - | - | - | |
| Upgrade | undeclared | - | - | - | - | - | |
| Upstart | undeclared | - | - | - | - | - | |
| Upswing | undeclared | - | - | - | - | - | |
| Uzum | undeclared | - | - | - | - | - | |
| Validus Capital | undeclared | - | - | - | - | - | |
| Vanquis Banking Group | undeclared | - | - | - | - | - | |
| Vauld | undeclared | - | - | - | - | - | |
| Velotax | undeclared | - | - | - | - | - | |
| Vendease | undeclared | - | - | - | - | - | |
| Veritasfin | undeclared | - | - | - | - | - | |
| Veritus | undeclared | - | - | - | - | - | |
| Vestris | undeclared | - | - | - | - | - | |
| Vridhi Home Finance | undeclared | - | - | - | - | - | |
| WeLab | undeclared | - | - | - | - | - | |
| Winden | undeclared | - | - | - | - | - | |
| Wisetack | undeclared | - | - | - | - | - | |
| Wollit | undeclared | - | - | - | - | - | |
| Womply | undeclared | - | - | - | - | - | |
| X1 | undeclared | - | - | - | - | - | |
| Yo Fio | undeclared | - | - | - | - | - | |
| Yubi | undeclared | - | - | - | - | - | |
| Zed | undeclared | - | - | - | - | - | |
| Zest AI | undeclared | - | - | - | - | - | |
| Zet | undeclared | - | - | - | - | - | |
| Zidisha | undeclared | - | - | - | - | - | |
| Zillow Group | undeclared | - | - | - | - | - | |
| Ziro | undeclared | - | - | - | - | - | |
| Zolo | 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: 24; bridges: 0.
| Workflow | Between | Votes | Weighted | Arazzo |
|---|---|---|---|---|
| Stripe Afterpay as a Stripe payment method, via Stripe account manager |
Cash App ↔ Stripe | 2 | 0.9 | workflow generated by API Evangelist |
| stripe |
Cash App ↔ Stripe | 2 | 0.9 | workflow generated by API Evangelist |
| Stripe Listed under platform-solutions/acquiring-partners/stripe/ in Klarna's live llms.txt (200, 2026-10-12); the linked pages returned 404 on 2026-10-12. |
Klarna ↔ Stripe | 2 | 0.9 | workflow generated by API Evangelist |
| Stripe Partner Ecosystem |
Klarna ↔ Stripe | 2 | 0.9 | workflow generated by API Evangelist |
| stripe |
Klarna ↔ Stripe | 2 | 0.9 | workflow generated by API Evangelist |
| goto-gojek |
Akulaku ↔ GoTo Group (Gojek + Tokopedia) | 1 | 0.9 | workflow generated by API Evangelist |
| goto-gojek |
Kredivo ↔ GoTo Group (Gojek + Tokopedia) | 1 | 0.9 | workflow generated by API Evangelist |
| stripe |
Visa ↔ Stripe | 1 | 0.9 | workflow generated by API Evangelist |
| total-system-services |
Visa ↔ Total System Services | 1 | 0.9 | workflow generated by API Evangelist |
| BigCommerce Afterpay payment option in BigCommerce checkout |
Cash App ↔ BigCommerce | 1 | 0.0 | workflow generated by API Evangelist |
| Ecwid Afterpay payment method enabled in Ecwid admin |
Cash App ↔ Ecwid by Lightspeed | 1 | 0.0 | workflow generated by API Evangelist |
| Salesforce Commerce Cloud Afterpay cartridges for SFRA and SiteGenesis |
Cash App ↔ Salesforce Commerce Cloud | 1 | 0.0 | workflow generated by API Evangelist |
| Shopify Afterpay and Cash App Pay at Shopify checkout, on-site messaging app |
Cash App ↔ Shopify | 1 | 0.0 | workflow generated by API Evangelist |
| Wix Afterpay payment method enabled in Wix admin |
Cash App ↔ Wix | 1 | 0.0 | workflow generated by API Evangelist |
| WooCommerce Afterpay WooCommerce Plugin |
Cash App ↔ WooCommerce | 1 | 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.