Markets · bedrock market · provisional

EU/EEA Payment and E-Money Institutions (PSD2 passports)

Regulated register market (eba psd2 / emd2 register, with passports). 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.

190providers measured
44 (23.2%)declare their own
102 (53.7%)covered by others only
3 (1.6%)distribution only (sell through, not integrations)
41 (21.6%)undeclared
16declare 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

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 190 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.

TagsPayments 79%, Fintech 57%, Open Banking 51%, Banking 44%, PSD2 43%, Financial Services 39%, United Kingdom 29%, Account Information 27%, OBIE 21%
Tag groupsFintech 96%, Finance 51%, United Kingdom 48%
IndustriesPayments & Money Movement 81%, Banking & Open Banking 65%, Financial Technology 62%, Financial Services 42%
CapabilitiesPayments & Card Management 31%, Banking Customer 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 4 · other companies invest to build on it

ProviderDepthIntegrationsIn / outUnknown builderDistributioniPaaS bridgeMix
Stripe 70.6 959 819 / 140 0 11 37 partner-built 89%, provider-built 2%, ipaas-bridge 4%, contract 2%, standard 1%, builds-on-platform 1%, distribution 1%
Coinbase 56.3 1840 1824 / 16 0 3 2 partner-built 99%
GoCardless 54.0 60 12 / 48 0 2 34 partner-built 21%, ipaas-bridge 61%, contract 7%, standard 2%, builds-on-platform 5%, distribution 4%
Plaid 52.9 59 0 / 59 0 6 2 partner-built 72%, ipaas-bridge 3%, contract 5%, standard 8%, builds-on-platform 2%, distribution 10%

builds-on 11 · 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%
Przelewy24 51.7 3 0 / 3 0 0 0 builds-on-platform 100%
Satispay 47.4 4 0 / 4 0 1 0 contract 25%, builds-on-platform 50%, distribution 25%
Mollie 46.6 16 0 / 16 0 6 2 ipaas-bridge 12%, contract 19%, covered 6%, builds-on-platform 25%, distribution 38%
Trust Payments 45.0 6 0 / 6 0 2 0 contract 17%, builds-on-platform 50%, distribution 33%
Riskified 44.3 5 0 / 5 0 0 1 ipaas-bridge 20%, contract 20%, builds-on-platform 60%
Shift4 35.4 8 0 / 8 0 4 1 ipaas-bridge 12%, contract 12%, builds-on-platform 25%, distribution 50%
Silvr 34.5 thin 2 0 / 2 0 0 0 builds-on-platform 100%
Kevin. 17.2 thin 1 0 / 1 0 0 0 builds-on-platform 100%
KOMOJU 17.2 thin 1 0 / 1 0 0 0 builds-on-platform 100%
Malt 17.2 thin 1 0 / 1 0 0 0 builds-on-platform 100%

coverage 3 · reaches banks, carriers, systems or channels (an aggregator)

ProviderDepthIntegrationsIn / outUnknown builderDistributioniPaaS bridgeMix
TrueLayer 54.2 68 0 / 68 0 0 0 contract 4%, coverage 96%
Tink 53.1 1713 0 / 1713 0 0 0 coverage 100%
Token.io 50.4 1790 0 / 1790 0 2 0 coverage 100%

regulated 105 · named in a regulator's register or partners' contracts

ProviderDepthIntegrationsIn / outUnknown builderDistributioniPaaS bridgeMix
Crossmint 58.9 3 0 / 3 0 0 0 contract 100%
Fiat Republic 58.9 3 0 / 3 0 0 0 contract 100%
NatWest Group 58.0 4 0 / 4 0 0 0 contract 60%, standard 40%
Wise 58.0 16 0 / 16 0 0 2 ipaas-bridge 12%, contract 62%, standard 12%, covered 6%, builds-on-platform 6%
Deutsche Bank 57.5 12 0 / 12 0 0 0 contract 75%, standard 25%
LemFi 57.5 3 0 / 3 0 0 0 contract 100%
Nium 57.5 5 0 / 5 0 0 0 contract 100%
Rabobank 57.5 4 0 / 4 0 0 0 contract 100%
Remitly 57.5 4 0 / 4 0 0 0 contract 100%
Tipalti 57.5 3 0 / 3 0 0 0 contract 100%
Flywire 56.8 6 0 / 6 0 0 0 contract 67%, standard 17%, builds-on-platform 17%
ABN AMRO 56.4 5 0 / 5 0 0 0 contract 80%, standard 20%
BBVA 56.4 5 0 / 5 0 0 0 contract 80%, standard 20%
dLocal 56.4 5 0 / 5 0 0 0 contract 80%, standard 20%
Worldpay 56.4 9 0 / 9 0 0 0 contract 56%, standard 22%, builds-on-platform 22%
Investec 56.1 4 0 / 4 0 0 0 contract 75%, standard 25%
Robinhood 56.0 6 0 / 6 0 0 0 contract 57%, standard 43%
ING 55.6 3 0 / 3 0 0 0 contract 67%, standard 33%
Payoneer 55.6 6 0 / 6 0 0 0 contract 67%, builds-on-platform 33%
Santander UK 55.6 3 0 / 3 0 0 0 contract 67%, standard 33%
Wealth Reader 55.6 3 0 / 3 0 0 0 contract 67%, standard 33%
Nuvei 55.1 9 0 / 9 0 0 0 contract 56%, standard 11%, builds-on-platform 33%
Bullish 54.1 6 0 / 6 0 0 0 contract 57%, standard 14%, covered 29%
Zero Hash 53.1 8 0 / 8 0 1 0 contract 50%, standard 25%, builds-on-platform 12%, distribution 12%
Finary 51.9 4 0 / 4 0 0 0 contract 75%, covered 25%
MoonPay 50.5 4 0 / 4 0 2 0 contract 50%, standard 17%, distribution 33%
Currencycloud 43.1 8 0 / 8 0 4 0 contract 50%, distribution 50%
Trustly Group 41.1 7 0 / 7 0 4 0 contract 43%, distribution 57%
Fintecture 40.2 7 0 / 7 0 4 0 contract 29%, builds-on-platform 14%, distribution 57%
Worldline 39.6 thin 2 0 / 2 0 0 0 contract 67%, standard 33%
Bancontact 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%
C. Hoare & Co. 38.3 thin 2 0 / 2 0 0 0 contract 100%
Cashplus Bank 38.3 thin 2 0 / 2 0 0 0 contract 100%
Corpay 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%
Cynergy Bank 38.3 thin 2 0 / 2 0 0 0 contract 100%
Groupe BPCE 38.3 thin 2 0 / 2 0 0 0 contract 100%
Kroo 38.3 thin 2 0 / 2 0 0 0 contract 100%
Metro Bank 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%
Nopan 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%
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%
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%
Danske Bank (UK) 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%
Modulr 36.4 thin 2 0 / 2 0 0 0 contract 67%, standard 33%
Salt Edge 36.4 thin 2 0 / 2 0 0 0 contract 50%, standard 50%
Soldo 36.4 thin 2 0 / 2 0 0 0 contract 67%, standard 33%
PagoPA 29.9 thin 2 0 / 2 0 1 0 contract 50%, distribution 50%
Billogram 28.8 thin 2 0 / 2 0 1 0 contract 50%, distribution 50%
PayU 28.8 thin 2 0 / 2 0 1 0 contract 67%, distribution 33%
bunq 24.6 38 0 / 38 0 0 31 ipaas-bridge 89%, contract 6%, standard 3%, covered 3%
Safello 23.4 thin 1 0 / 1 0 0 0 contract 100%
Bitstack 22.7 thin 1 0 / 1 0 0 0 contract 100%
FalconX 22.7 thin 1 0 / 1 0 0 0 contract 100%
Flowdesk 22.7 thin 1 0 / 1 0 0 0 contract 100%
Bokio 21.7 thin 2 0 / 2 0 0 1 ipaas-bridge 50%, contract 50%
Finom 21.7 thin 2 0 / 2 0 0 1 ipaas-bridge 50%, contract 50%
Deblock 21.3 thin 1 0 / 1 0 0 0 contract 100%
Goin 21.3 thin 1 0 / 1 0 0 0 contract 100%
AIB Group (UK) 19.2 thin 1 0 / 1 0 0 0 contract 100%
Allica Bank 19.2 thin 1 0 / 1 0 0 0 contract 100%
Barclays 19.2 thin 1 0 / 1 0 0 0 contract 100%
Chase UK 19.2 thin 1 0 / 1 0 0 0 contract 100%
Clearing 19.2 thin 1 0 / 1 0 0 0 contract 100%
The Co-operative Bank 19.2 thin 1 0 / 1 0 0 0 contract 100%
Enable Banking 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%
Insurely 19.2 thin 1 0 / 1 0 0 0 contract 100%
Juni 19.2 thin 1 0 / 1 0 0 0 contract 100%
Kontomatik 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%
Lydia 19.2 thin 1 0 / 1 0 0 0 contract 100%
Monument Bank 19.2 thin 1 0 / 1 0 0 0 contract 100%
Navro 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%
Shawbrook Bank 19.2 thin 1 0 / 1 0 0 0 contract 100%
Silverflow 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%
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%
Volt 19.2 thin 1 0 / 1 0 0 0 contract 100%
Yapily 19.2 thin 1 0 / 1 0 0 0 contract 100%
Paymentsense 18.3 thin 1 0 / 1 0 0 0 contract 50%, standard 50%
Aspora 17.2 thin 1 0 / 1 0 0 0 contract 50%, standard 50%
HiPay 17.2 thin 1 0 / 1 0 0 0 contract 50%, builds-on-platform 50%
Weavr 17.2 thin 1 0 / 1 0 0 0 contract 50%, standard 50%
Cashflows 9.6 thin 1 0 / 1 0 1 0 contract 50%, distribution 50%
Bud Financial 0 0 / 0 0 0 0 contract 100%
iBanFirst 0 0 / 0 0 0 0 contract 100%
Lemonway 0 0 / 0 0 0 0 contract 100%
OFX 0 0 / 0 0 0 0 contract 100%
QPLIX 0 0 / 0 0 0 0 contract 100%
SendWave 0 0 / 0 0 0 0 contract 100%
Wallester 0 0 / 0 0 0 0 contract 100%

standard 10 · listed by a voluntary standard's own directory

ProviderDepthIntegrationsIn / outUnknown builderDistributioniPaaS bridgeMix
TietoEVRY 48.3 3 0 / 3 0 1 0 standard 67%, distribution 33%
Moneyhub 47.4 4 0 / 4 0 1 0 contract 25%, standard 50%, distribution 25%
SumUp 44.4 3 0 / 3 0 0 1 ipaas-bridge 25%, contract 25%, standard 50%
Cobot 19.7 thin 2 0 / 2 0 0 1 ipaas-bridge 50%, standard 50%
Konsentus 17.2 thin 1 0 / 1 0 0 0 standard 100%
Lloyds Banking Group 17.2 thin 1 0 / 1 0 0 0 standard 100%
Nomos 17.2 thin 1 0 / 1 0 0 0 standard 100%
UK Open Banking 17.2 thin 1 0 / 1 0 0 0 standard 100%
rebtel 17.2 thin 1 0 / 1 0 0 0 standard 100%
LegitFit 15.4 5 0 / 5 0 0 1 ipaas-bridge 50%, standard 50%

mixed 7 · no single mode dominates

ProviderDepthIntegrationsIn / outUnknown builderDistributioniPaaS bridgeMix
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%
OKX 56.0 5 0 / 5 0 0 0 contract 33%, standard 33%, covered 33%
American Express 54.6 11 0 / 11 0 0 0 contract 45%, standard 45%, builds-on-platform 9%
Billie 50.5 3 0 / 3 0 1 0 standard 33%, builds-on-platform 33%, distribution 33%
Montonio 47.4 4 0 / 4 0 1 0 contract 25%, standard 25%, builds-on-platform 25%, distribution 25%
Starling Bank 46.0 3 0 / 3 0 0 0 contract 33%, covered 33%, builds-on-platform 33%
Experian 45.9 11 0 / 11 0 5 0 contract 17%, standard 25%, builds-on-platform 17%, distribution 42%

list 4 · a long list on its own page, mostly unevidenced

ProviderDepthIntegrationsIn / outUnknown builderDistributioniPaaS bridgeMix
Qonto 44.2 18 0 / 18 0 0 2 own-page 61%, ipaas-bridge 11%, contract 6%, standard 11%, covered 6%, builds-on-platform 6%
Pennylane 29.9 302 0 / 302 0 0 2 own-page 98%, ipaas-bridge 1%, standard 1%, builds-on-platform 1%
Memo Bank 20.0 82 0 / 82 0 0 0 own-page 99%, contract 1%
Bancomat 9.0 14 0 / 14 0 0 0 own-page 100%

long-tail 2 · reached only through iPaaS bridges

ProviderDepthIntegrationsIn / outUnknown builderDistributioniPaaS bridgeMix
Worksome 12.1 thin 2 0 / 2 0 1 1 ipaas-bridge 50%, distribution 50%
ablefy 5.2 31 0 / 31 0 0 30 ipaas-bridge 100%

distribution 3 · only sells through cloud marketplaces

ProviderDepthIntegrationsIn / outUnknown builderDistributioniPaaS bridgeMix
Spare 28.8 3 0 / 3 0 3 0 distribution 100%
Fidor Bank 9.6 thin 1 0 / 1 0 1 0 distribution 100%
lemon.markets 9.6 thin 1 0 / 1 0 1 0 distribution 100%

undeclared 41 · declares nothing we can read: no number

ProviderDepthIntegrationsIn / outUnknown builderDistributioniPaaS bridgeMix
Algbra undeclared-----
ANNA Money undeclared-----
Causa Prima undeclared-----
ComplyBridge undeclared-----
Connexis Cash undeclared-----
Defacto undeclared-----
Djust undeclared-----
Donnerstag Ai undeclared-----
element 5 AG undeclared-----
FeezBack undeclared-----
first direct undeclared-----
Flatpay undeclared-----
Form3 undeclared-----
Fraudio undeclared-----
GB Bank undeclared-----
GCash undeclared-----
Genome undeclared-----
Halifax undeclared-----
helios undeclared-----
Holvi undeclared-----
Hrmony undeclared-----
Joko undeclared-----
Klarna Kosma undeclared-----
Mettle undeclared-----
MONI (Ex-Monisnap) undeclared-----
Number26 undeclared-----
Orange Business undeclared-----
Ordo undeclared-----
Payt undeclared-----
Recognise Bank undeclared-----
Redwood Bank undeclared-----
SantéVet undeclared-----
Sibill undeclared-----
Sumeria undeclared-----
Swan undeclared-----
Telleroo undeclared-----
The Bank of London undeclared-----
Topi undeclared-----
Trezy undeclared-----
Vanquis Banking Group undeclared-----
Virgin Money UK 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: 68; bridges: 0.

WorkflowBetweenVotesWeightedArazzo
Push Stripe successful charges as HubSpot deals
When a Stripe charge succeeds, look up the matching HubSpot Contact and create a Closed Won HubSpot Deal with the charge amount and currency.
Stripe ↔ HubSpot 2 2.0 workflow generated by API Evangelist
Sync Stripe customers into Salesforce contacts
When a Stripe customer is created, look them up by email and create the matching Salesforce Contact with billing details.
Stripe ↔ Salesforce 2 2.0 workflow generated by API Evangelist
Replace WooCommerce Stripe plugin with declarative integration
List WooCommerce store orders and create a matching Stripe payment intent for a selected order's total and currency.
Stripe ↔ WooCommerce 2 1.9 workflow generated by API Evangelist
Get Slack notifications for new Stripe sales
Get Slack notifications for new Stripe sales
Stripe ↔ Slack 3 1.8 workflow generated by API Evangelist
Post Stripe payment alerts to Slack channels
Retrieve a Stripe charge and post a payment alert to a designated Slack channel.
Stripe ↔ Slack 3 1.8 workflow generated by API Evangelist
Post failed Stripe payments to Slack
Post failed Stripe payments to Slack
Stripe ↔ Slack 3 1.8 workflow generated by API Evangelist
plaid
Riskified ↔ Plaid 2 1.8 workflow generated by API Evangelist
Add Stripe Checkout completers to a Mailchimp audience
When a Stripe Checkout session completes, subscribe the buyer to a Mailchimp audience with plan and MRR merge tags.
Stripe ↔ Mailchimp 2 1.4 workflow generated by API Evangelist
Add new Stripe customers to Mailchimp lists
Add new Stripe customers to Mailchimp lists
Stripe ↔ Mailchimp 2 1.4 workflow generated by API Evangelist
Attach Stripe customer history to Zendesk tickets
On ticket open, fetch the requester's Stripe customer and recent charges and open a Zendesk ticket enriched with that billing history.
Stripe ↔ Zendesk 2 1.4 workflow generated by API Evangelist
Create Xero invoices for new Stripe payments
Create Xero invoices for new Stripe payments
Stripe ↔ Xero 2 1.4 workflow generated by API Evangelist
File Stripe sales through TaxJar
Sync paid Stripe invoices to TaxJar as order transactions for automated sales tax filing.
Stripe ↔ TaxJar 2 1.4 workflow generated by API Evangelist
Reconcile Stripe payouts in Xero bank transactions
List Stripe payouts and create matching Xero bank transactions for reconciliation.
Stripe ↔ Xero 2 1.4 workflow generated by API Evangelist
Sync BigCommerce orders to Stripe payments
For a BigCommerce storefront order, materialize the matching Stripe PaymentIntent so financial reporting consolidates in Stripe.
Stripe ↔ BigCommerce 2 1.4 workflow generated by API Evangelist
Sync Stripe trial-end events to Iterable
Retrieve a Stripe subscription nearing trial end and track it as a custom user event in Iterable to trigger conversion campaigns.
Stripe ↔ Iterable 2 1.4 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.