Open Banking
Regulated market (registers) plus aggregator 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.
Where this market publishes its structure
- Australia CDR Register machine-readable
- Open Finance Brasil directory machine-readable
- UK Open Banking directory machine-readable
- Aggregator bank coverage: TrueLayer, Tink, Token.io machine-readable
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.
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
| Provider | Depth | Integrations | In / out | Unknown builder | Distribution | iPaaS bridge | Mix |
|---|---|---|---|---|---|---|---|
| Plaid | 52.3 | 44 | 0 / 44 | 0 | 0 | 0 | partner-built 96%, contract 4% |
coverage 1 · reaches banks, carriers, systems or channels (an aggregator)
| Provider | Depth | Integrations | In / out | Unknown builder | Distribution | iPaaS bridge | Mix |
|---|---|---|---|---|---|---|---|
| Token.io | 50.2 | 1787 | 0 / 1787 | 0 | 0 | 0 | coverage 100% |
regulated 3 · named in a regulator's register or partners' contracts
| Provider | Depth | Integrations | In / out | Unknown builder | Distribution | iPaaS bridge | Mix |
|---|---|---|---|---|---|---|---|
| Mastercard | 38.3 thin | 2 | 0 / 2 | 0 | 0 | 0 | contract 100% |
| Fintecture | 19.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | contract 100% |
| Moneyhub | 19.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | contract 100% |
core 2 · builds the connectors its customers need
| Provider | Depth | Integrations | In / out | Unknown builder | Distribution | iPaaS bridge | Mix |
|---|---|---|---|---|---|---|---|
| iDenfy | 38.4 | 9 | 0 / 9 | 0 | 0 | 0 | provider-built 100% |
| IBANforge | 20.7 | 5 | 0 / 5 | 0 | 0 | 0 | provider-built 100% |
list 4 · a long list on its own page, mostly unevidenced
| Provider | Depth | Integrations | In / out | Unknown builder | Distribution | iPaaS bridge | Mix |
|---|---|---|---|---|---|---|---|
| Total Expert | 15.8 | 10 | 0 / 10 | 0 | 0 | 0 | own-page 90%, standard 10% |
| Bancomat | 9.0 | 14 | 0 / 14 | 0 | 0 | 0 | own-page 100% |
| Lili | 9.0 | 6 | 0 / 6 | 0 | 0 | 0 | own-page 100% |
| Pennylane | 9.0 | 296 | 0 / 296 | 0 | 0 | 0 | own-page 100% |
undeclared 13 · declares nothing we can read: no number
| Provider | Depth | Integrations | In / out | Unknown builder | Distribution | iPaaS bridge | Mix |
|---|---|---|---|---|---|---|---|
| Azupay | undeclared | - | - | - | - | - | |
| Barclays | undeclared | - | - | - | - | - | |
| BB&T Corp (Truist) | undeclared | - | - | - | - | - | |
| Citi | undeclared | - | - | - | - | - | |
| Citizens Financial Group | undeclared | - | - | - | - | - | |
| Genome | undeclared | - | - | - | - | - | |
| Groupe BPCE | undeclared | - | - | - | - | - | |
| iBanFirst | undeclared | - | - | - | - | - | |
| MX Technologies | undeclared | - | - | - | - | - | |
| SoFi Technologies | undeclared | - | - | - | - | - | |
| Trustly Group | undeclared | - | - | - | - | - | |
| Unstoppable Finance (Iron) | undeclared | - | - | - | - | - | |
| Wealth Reader | undeclared | - | - | - | - | - |
Workflows
No in-market workflows yet; bridges: 2 (1 not yet mapped to a capability). In-market workflows only: a step on the market provider's side maps to this market's business capabilities (BC-1340, BC-1320, BC-1300, BC-210.40), 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.
Generated 2026-10-13 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.