Markets · bedrock market · provisional
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.
24providers measured
11 (45.8%)declare their own
10 (41.7%)covered by others only
3 (12.5%)undeclared
3declare compatibility (report only, not weighted)
0in-market workflows shown (2 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
- 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.
Taxonomy how this market maps onto apis.io
Derived 2026-10-23 from the 24 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 | Open Banking 75%, Payments 62%, Banking 62%, Fintech 46%, Financial Services 33%, PSD2 33%, MCP 21%, Account-to-Account 21% |
|---|
| Tag groups | Fintech 92%, Finance 83%, United Kingdom 38%, ACH 38%, Fraud Prevention 25%, MCP 21%, Payouts 21% |
|---|
| Industries | Banking & Open Banking 100%, Payments & Money Movement 67%, Financial Technology 58%, Financial Services 38%, Cybersecurity & Identity 25%, Accounting & Finance Operations 21% |
|---|
| Capabilities | Developer Platform & API Ecosystem Management 29%, Payments & Card Management 21% |
|---|
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
| Provider | Depth | Integrations | In / out | Unknown builder | Distribution | iPaaS bridge | Mix |
|---|
| 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% |
coverage 1 · reaches banks, carriers, systems or channels (an aggregator)
| Provider | Depth | Integrations | In / out | Unknown builder | Distribution | iPaaS bridge | Mix |
|---|
| Token.io |
50.4 |
1790 |
0 / 1790 |
0 |
2 |
0 |
coverage 100% |
regulated 10 · named in a regulator's register or partners' contracts
| Provider | Depth | Integrations | In / out | Unknown builder | Distribution | iPaaS bridge | Mix |
|---|
| Wealth Reader |
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% |
| 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% |
| Groupe BPCE |
38.3 thin |
2 |
0 / 2 |
0 |
0 |
0 |
contract 100% |
| Citizens Financial Group |
36.4 thin |
2 |
0 / 2 |
0 |
0 |
0 |
contract 50%, standard 50% |
| Barclays |
19.2 thin |
1 |
0 / 1 |
0 |
0 |
0 |
contract 100% |
| BB&T Corp (Truist) |
19.2 thin |
1 |
0 / 1 |
0 |
0 |
0 |
contract 100% |
| SoFi Technologies |
19.2 thin |
1 |
0 / 1 |
0 |
0 |
0 |
contract 100% |
| iBanFirst |
|
0 |
0 / 0 |
0 |
0 |
0 |
contract 100% |
standard 2 · listed by a voluntary standard's own directory
| Provider | Depth | Integrations | In / out | Unknown builder | Distribution | iPaaS bridge | Mix |
|---|
| Moneyhub |
47.4 |
4 |
0 / 4 |
0 |
1 |
0 |
contract 25%, standard 50%, distribution 25% |
| MX Technologies |
34.9 |
4 |
0 / 4 |
0 |
1 |
1 |
ipaas-bridge 25%, standard 50%, distribution 25% |
core 2 · builds the connectors its customers need
| Provider | Depth | Integrations | In / out | Unknown builder | Distribution | iPaaS bridge | Mix |
|---|
| iDenfy |
43.1 |
12 |
0 / 12 |
0 |
2 |
1 |
provider-built 69%, ipaas-bridge 8%, builds-on-platform 8%, distribution 15% |
| IBANforge |
23.0 |
7 |
0 / 7 |
0 |
2 |
0 |
provider-built 71%, distribution 29% |
mixed 1 · no single mode dominates
| Provider | Depth | Integrations | In / out | Unknown builder | Distribution | iPaaS bridge | Mix |
|---|
| Mastercard |
52.4 |
13 |
0 / 13 |
0 |
4 |
0 |
contract 31%, standard 23%, builds-on-platform 15%, distribution 31% |
list 4 · 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% |
| Total Expert |
29.3 |
13 |
0 / 13 |
0 |
0 |
0 |
own-page 69%, standard 15%, builds-on-platform 15% |
| Bancomat |
9.0 |
14 |
0 / 14 |
0 |
0 |
0 |
own-page 100% |
| Lili |
9.0 |
6 |
0 / 6 |
0 |
0 |
0 |
own-page 100% |
undeclared 3 · declares nothing we can read: no number
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.