# 9Spokes

**Canonical:** https://apis.io/providers/9spokes/  
**Website:** https://www.9spokes.com/  
**APIs profiled:** 0

9Spokes provides a SMB financial insights platform for banks and fintechs, turning SMB banking, cash‑flow, merchant and business‑app data into actionable analytics. The service helps financial institutions gain deeper visibility into small‑business customers, improve credit decisions, and enhance product offerings through data‑driven insights.

## Kin Score — 9.0 / 100 (minimal)

Scored 2026-10-31 under rubric 0.25.0.

| Facet | Score |
|---|---|
| Discoverability | 50.0 |
| Contract Quality | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 5.3 |
| Developer Ergonomics | 2.4 |
| Access Clarity | 21.1 |

Regulatory layer — **Banking & Open Finance**: 11.0 (matched via tags).

## Agent readiness — 0.0 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |
| Delegated Identity | no |
| Protected Resource Metadata | no |
| Dynamic Client Registration | no |
| Agentic Commerce | no |
| Pagination Ratio | na |
| Operation Distinctiveness | na |

## Security (1)

- **9Spokes Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Company, Fintech, Banking, SMB, DataAnalytics

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/9spokes/). Scores are computed from the provider's own public artifacts under a published rubric.