Markets · bedrock market · provisional
RegTech, AML/KYC and Money Transmission
Regulated + assurance market (fincen msb registration, uk dvs register, kantara trust status list). 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.
63providers measured
24 (38.1%)declare their own
21 (33.3%)covered by others only
10 (15.9%)distribution only (sell through, not integrations)
8 (12.7%)undeclared
6declare compatibility (report only, not weighted)
0in-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
- FinCEN MSB Registrant Search (msb.fincen.gov retrieve.msb.list.php, full list) machine-readable, 34,207 registrations, 22,948 names with 409/415/414; 354 pre-selected; 38 registrations linked -> 33 providers; 46 held; no domains (Wikidata P856 bridge)
- UK digital verification services register (access-dvs-register.service.gov.uk download-register + service pages) machine-readable, 65 services, 47 providers; 9 linked; 37 without a catalog holder
- Kantara Initiative Trust Status List (kantarainitiative.org/trust-status-list, embedded JSON) machine-readable, 31 rows, 26 organisations; 11 linked; 4 assessors held
- NMLS Consumer Access (state money-transmitter licences) not machine-readable: HTTP 403 to non-browser clients (Cloudflare); no bulk download
- FCA Financial Services Register (UK EMIs / payment institutions) not machine-readable: register API needs a key (HTTP 403); register.fca.org.uk/s is a Salesforce Lightning SPA; no data extract
- EBA EUCLID payment institutions register not machine-readable: not read this pass (Angular app; download endpoint not located)
- Wolfsberg Group not machine-readable: questionnaire standard, no participant register
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 63 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 | Identity Verification 48%, KYC 44%, Fraud Prevention 40%, AML 35%, Compliance 33%, Fintech 32%, Payments 29%, Biometrics 21% |
|---|
| Tag groups | Fraud Prevention 70%, Fintech 44%, Security 40%, Payouts 30% |
|---|
| Industries | Cybersecurity & Identity 68%, Financial Technology 37%, Payments & Money Movement 37%, Legal & Compliance Tech 35% |
|---|
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 5 · publishes apps on other platforms' stores
| Provider | Depth | Integrations | In / out | Unknown builder | Distribution | iPaaS bridge | Mix |
|---|
| Airwallex |
54.0 |
50 |
0 / 50 |
0 |
4 |
31 |
ipaas-bridge 67%, contract 9%, builds-on-platform 15%, distribution 9% |
| CLEAR |
46.4 |
5 |
0 / 5 |
0 |
2 |
0 |
standard 20%, builds-on-platform 40%, distribution 40% |
| LSEG |
41.1 |
7 |
0 / 7 |
0 |
3 |
0 |
standard 14%, coverage 14%, builds-on-platform 29%, distribution 43% |
| PortOne |
32.6 |
6 |
0 / 6 |
0 |
6 |
0 |
builds-on-platform 14%, distribution 86% |
| CipherOwl |
17.2 thin |
1 |
0 / 1 |
0 |
0 |
0 |
builds-on-platform 100% |
regulated 16 · named in a regulator's register or partners' contracts
| Provider | Depth | Integrations | In / out | Unknown builder | Distribution | iPaaS bridge | Mix |
|---|
| Wise |
58.0 |
16 |
0 / 16 |
0 |
0 |
2 |
ipaas-bridge 12%, contract 62%, standard 12%, covered 6%, builds-on-platform 6% |
| Ebury |
57.5 |
3 |
0 / 3 |
0 |
0 |
0 |
contract 100% |
| LemFi |
57.5 |
3 |
0 / 3 |
0 |
0 |
0 |
contract 100% |
| Nium |
57.5 |
5 |
0 / 5 |
0 |
0 |
0 |
contract 100% |
| Paysend |
57.5 |
3 |
0 / 3 |
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% |
| Payoneer |
55.6 |
6 |
0 / 6 |
0 |
0 |
0 |
contract 67%, builds-on-platform 33% |
| The Western Union Company |
55.6 |
3 |
0 / 3 |
0 |
0 |
0 |
contract 67%, standard 33% |
| Zero Hash |
53.1 |
8 |
0 / 8 |
0 |
1 |
0 |
contract 50%, standard 25%, builds-on-platform 12%, distribution 12% |
| Afriex |
50.3 |
4 |
0 / 4 |
0 |
1 |
0 |
contract 75%, distribution 25% |
| AU10TIX |
49.2 |
5 |
0 / 5 |
0 |
2 |
0 |
contract 40%, standard 20%, distribution 40% |
| Currencycloud |
43.1 |
8 |
0 / 8 |
0 |
4 |
0 |
contract 50%, distribution 50% |
| Corpay |
38.3 thin |
2 |
0 / 2 |
0 |
0 |
0 |
contract 100% |
| Certn |
38.2 thin |
2 |
0 / 2 |
0 |
0 |
0 |
contract 50%, builds-on-platform 50% |
| OFX |
|
0 |
0 / 0 |
0 |
0 |
0 |
contract 100% |
standard 18 · listed by a voluntary standard's own directory
| Provider | Depth | Integrations | In / out | Unknown builder | Distribution | iPaaS bridge | Mix |
|---|
| Jumio |
61.3 |
3 |
0 / 3 |
0 |
0 |
0 |
standard 100% |
| Sumsub |
58.1 |
3 |
0 / 3 |
0 |
0 |
0 |
standard 100% |
| Incode |
57.6 |
6 |
0 / 6 |
0 |
0 |
0 |
standard 67%, builds-on-platform 33% |
| Socure |
56.5 |
4 |
0 / 4 |
0 |
0 |
0 |
standard 50%, builds-on-platform 50% |
| Veriff |
54.3 |
4 |
0 / 4 |
0 |
0 |
1 |
ipaas-bridge 25%, contract 25%, standard 50% |
| Onfido |
53.8 |
6 |
0 / 6 |
0 |
1 |
0 |
contract 17%, standard 50%, builds-on-platform 17%, distribution 17% |
| 1Kosmos |
53.2 |
4 |
0 / 4 |
0 |
1 |
0 |
standard 50%, builds-on-platform 25%, distribution 25% |
| Persona |
46.9 |
10 |
0 / 10 |
0 |
0 |
2 |
ipaas-bridge 20%, contract 10%, standard 50%, builds-on-platform 20% |
| TransUnion |
43.3 |
9 |
0 / 9 |
0 |
4 |
0 |
contract 11%, standard 33%, builds-on-platform 11%, distribution 44% |
| Shufti Pro |
40.9 thin |
2 |
0 / 2 |
0 |
0 |
0 |
standard 50%, builds-on-platform 50% |
| Didit |
35.7 |
3 |
0 / 3 |
0 |
1 |
1 |
ipaas-bridge 33%, standard 33%, distribution 33% |
| ComplyAdvantage |
34.5 |
4 |
0 / 4 |
0 |
3 |
0 |
standard 25%, distribution 75% |
| Chainalysis |
26.8 thin |
2 |
0 / 2 |
0 |
1 |
0 |
standard 50%, distribution 50% |
| Elliptic |
17.2 thin |
1 |
0 / 1 |
0 |
0 |
0 |
standard 100% |
| ExchangeRate-API |
17.2 thin |
1 |
0 / 1 |
0 |
0 |
0 |
standard 100% |
| Hummingbird |
17.2 thin |
1 |
0 / 1 |
0 |
0 |
0 |
standard 100% |
| MetaMap |
17.2 thin |
1 |
0 / 1 |
0 |
0 |
0 |
standard 100% |
| Middesk |
17.2 thin |
1 |
0 / 1 |
0 |
0 |
0 |
standard 100% |
core 1 · 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% |
mixed 4 · no single mode dominates
| Provider | Depth | Integrations | In / out | Unknown builder | Distribution | iPaaS bridge | Mix |
|---|
| ID.me |
53.8 |
6 |
0 / 6 |
0 |
1 |
0 |
contract 33%, standard 33%, builds-on-platform 17%, distribution 17% |
| LexisNexis Risk Solutions |
53.7 |
8 |
0 / 8 |
0 |
1 |
0 |
contract 25%, standard 25%, builds-on-platform 38%, distribution 12% |
| Experian |
45.9 |
11 |
0 / 11 |
0 |
5 |
0 |
contract 17%, standard 25%, builds-on-platform 17%, distribution 42% |
| Truora |
44.1 |
3 |
0 / 3 |
0 |
1 |
0 |
standard 33%, builds-on-platform 33%, distribution 33% |
long-tail 1 · reached only through iPaaS bridges
| Provider | Depth | Integrations | In / out | Unknown builder | Distribution | iPaaS bridge | Mix |
|---|
| Fixer |
5.0 thin |
2 |
0 / 2 |
0 |
0 |
2 |
ipaas-bridge 100% |
distribution 10 · only sells through cloud marketplaces
| Provider | Depth | Integrations | In / out | Unknown builder | Distribution | iPaaS bridge | Mix |
|---|
| Neutrino API |
28.8 |
3 |
0 / 3 |
0 |
3 |
0 |
distribution 100% |
| Smile Identity |
28.8 |
3 |
0 / 3 |
0 |
3 |
0 |
distribution 100% |
| Trulioo |
28.8 |
5 |
0 / 5 |
0 |
5 |
0 |
distribution 100% |
| Prove |
28.7 |
4 |
0 / 4 |
0 |
4 |
0 |
distribution 100% |
| Authologic |
19.2 thin |
2 |
0 / 2 |
0 |
2 |
0 |
distribution 100% |
| SiftingIO |
19.2 thin |
2 |
0 / 2 |
0 |
2 |
0 |
distribution 100% |
| Fenergo |
9.6 thin |
1 |
0 / 1 |
0 |
1 |
0 |
distribution 100% |
| Highnote |
9.6 thin |
1 |
0 / 1 |
0 |
1 |
0 |
distribution 100% |
| Signzy |
9.6 thin |
1 |
0 / 1 |
0 |
1 |
0 |
distribution 100% |
| TRM Labs |
9.6 thin |
1 |
0 / 1 |
0 |
1 |
0 |
distribution 100% |
undeclared 8 · declares nothing we can read: no number