US Open Banking (FDX)
Standards market (fdx registry) with aggregator coverage that is closed. 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
- FDX Registry (registry.financialdataexchange.org) machine-readable
- FDX certified implementations not machine-readable: no public list
- CFPB 1033 covered data providers / recognized standards not machine-readable: 403 to non-browser clients; no machine-readable list
- Plaid, MX, Finicity, Yodlee institution lists not machine-readable: API keys required
- Akoya data provider network not machine-readable: no public list
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 25 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 | Payments 64%, Financial Services 60%, Banking 56%, Open Banking 56%, United States 36%, Fortune 500 32%, Finance 24%, Consumer Banking 24%, Open Finance 24%, Fintech 20%, Credit Cards 20%, Data Aggregation 20% |
|---|---|
| Tag groups | Fintech 96%, Finance 76%, United States 56%, Real-Time 24%, Consumer Finance 24%, FDX 20% |
| Industries | Banking & Open Banking 80%, Financial Services 76%, Payments & Money Movement 68%, Financial Technology 52%, Cybersecurity & Identity 24%, Data & Analytics 20% |
| Areas | Authentication 12% |
| Capabilities | Payments & Card 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 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% |
regulated 9 · named in a regulator's register or partners' contracts
| Provider | Depth | Integrations | In / out | Unknown builder | Distribution | iPaaS bridge | Mix |
|---|---|---|---|---|---|---|---|
| Yodlee | 57.0 | 4 | 0 / 4 | 0 | 0 | 0 | contract 50%, standard 50% |
| Wells Fargo | 56.5 | 8 | 0 / 8 | 0 | 0 | 0 | contract 62%, standard 25%, builds-on-platform 12% |
| USAA | 55.8 | 4 | 0 / 4 | 0 | 0 | 0 | contract 50%, standard 25%, covered 25% |
| PNC | 55.6 | 3 | 0 / 3 | 0 | 0 | 0 | contract 67%, standard 33% |
| US Bancorp | 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% |
| Chase | 39.6 thin | 2 | 0 / 2 | 0 | 0 | 0 | contract 50%, standard 50% |
| Charles Schwab | 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% |
standard 10 · listed by a voluntary standard's own directory
| Provider | Depth | Integrations | In / out | Unknown builder | Distribution | iPaaS bridge | Mix |
|---|---|---|---|---|---|---|---|
| Bank of America | 56.7 | 7 | 0 / 7 | 0 | 0 | 0 | contract 43%, standard 57% |
| Capital One | 53.7 | 5 | 0 / 5 | 0 | 0 | 0 | contract 20%, standard 60%, builds-on-platform 20% |
| Fidelity Investments | 47.4 | 4 | 0 / 4 | 0 | 1 | 0 | contract 25%, standard 50%, distribution 25% |
| Jack Henry & Associates | 35.6 thin | 2 | 0 / 2 | 0 | 0 | 0 | standard 100% |
| MX Technologies | 34.9 | 4 | 0 / 4 | 0 | 1 | 1 | ipaas-bridge 25%, standard 50%, distribution 25% |
| Akoya | 20.4 thin | 1 | 0 / 1 | 0 | 0 | 0 | standard 100% |
| Discover | 17.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | standard 100% |
| Finicity | 17.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | standard 100% |
| The Clearing House (RTP) | 17.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | standard 100% |
| Truist Financial | 17.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | standard 100% |
mixed 5 · no single mode dominates
| Provider | Depth | Integrations | In / out | Unknown builder | Distribution | iPaaS bridge | Mix |
|---|---|---|---|---|---|---|---|
| Intuit | 57.0 | 11 | 0 / 11 | 0 | 0 | 0 | contract 18%, standard 36%, builds-on-platform 45% |
| Fiserv | 56.4 | 7 | 0 / 7 | 0 | 0 | 0 | contract 29%, standard 43%, builds-on-platform 29% |
| 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% |
| Morningstar | 48.9 | 6 | 0 / 6 | 0 | 1 | 0 | contract 33%, standard 17%, coverage 17%, builds-on-platform 17%, distribution 17% |
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.