AI Bank (aiBank, 百信银行 / 中信百信银行股份有限公司 — CITIC aiBank Co., Ltd.) is a Beijing-based digital direct bank, launched in November 2017 as China's first independent legal-person direct bank, a joint venture founded by China CITIC Bank and Baidu. It operates with no physical branches, serving retail customers — particularly younger consumers — and small and micro enterprises entirely through digital channels. Its own site describes the business lines as wealth management (财富管理), consumer finance (消费金融), industrial digital finance (产业数字金融), bills and notes (票据业务) and ecosystem finance (生态金融). The bank is positioned as an open-banking operator that embeds banking capability into partner platforms, but it publishes no public developer portal, API reference or machine-readable specification; its integration surface is reached through partner business agreements rather than public self-service onboarding.
AI Bank is profiled on the APIs.io network. Tagged areas include Company, Banking, Digital Banking, Financial-Services, and Consumer Finance.
Regulatory Posture applies to this provider. Its tags matched the
Banking & Open Finance regime, so
Regulatory Posture carries 15 points of the composite.
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applicability map is public and we will correct it.
Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for
this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero:
never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and
several others — scorable at all.
The six quality facets above are damped to 85 points between them,
because the conditional facet above carries the other
15. That is why each facet's contribution is shown against a damped
maximum: raising a quality facet moves the composite by 85% of its nominal
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aid: ai-bank
name: AI Bank
description: AI Bank (aiBank, 百信银行 / 中信百信银行股份有限公司 — CITIC aiBank Co., Ltd.) is a Beijing-based digital direct bank, launched
in November 2017 as China's first independent legal-person direct bank, a joint venture founded by China CITIC Bank and
Baidu. It operates with no physical branches, serving retail customers — particularly younger consumers — and small and
micro enterprises entirely through digital channels. Its own site describes the business lines as wealth management (财富管理),
consumer finance (消费金融), industrial digital finance (产业数字金融), bills and notes (票据业务) and ecosystem finance (生态金融). The bank
is positioned as an open-banking operator that embeds banking capability into partner platforms, but it publishes no public
developer portal, API reference or machine-readable specification; its integration surface is reached through partner business
agreements rather than public self-service onboarding.
url: https://raw.githubusercontent.com/api-evangelist/ai-bank/refs/heads/main/apis.yml
x-type: company
x-source: harvest:secondary-market
x-tier: stub
x-tier-reason: harvest
deliveryModel:
model: unknown
open_source: false
commercial: false
callable_host: false
label: Delivery model not determined — needs a product licence on record
confidence: low
source:
- none
generated: '2026-08-28'
method: derived
accessModel:
pricing: unknown
onboarding: unknown
trial: false
try_now: false
public: false
label: Unknown
confidence: low
source:
- security
generated: '2026-09-02'
method: derived
specificationVersion: '0.23'
created: '2026-08-06'
modified: '2026-08-06'
tags:
- Company
- Banking
- Digital Banking
- Financial-Services
- Consumer Finance
- SME Lending
- Wealth Management
- Fintech
- China
tags_raw:
- Company
- Banking
- Digital Banking
- Financial Services
- Consumer Finance
- SME Lending
- Wealth Management
- FinTech
- China
apis: []
maintainers:
- FN: Kin Lane
email: kin@apievangelist.com
- FN: APIs.json
email: info@apis.io
common:
- type: Website
url: https://www.aibank.com/
- type: DomainSecurity
url: security/ai-bank-domain-security.yml
- type: LLMsTxt
url: llms/ai-bank-llms.txt
x-identity:
legal_name: 中信百信银行股份有限公司
legal_name_en: CITIC aiBank Co., Ltd.
brand: 百信银行 / aiBank
headquarters: Beijing, China
founded: 2017-11
domains:
- aibank.com
- citicaibank.cn
secondary_market_listing: https://www.hiive.com/securities/ai-bank-stock
evidence:
- url: https://www.aibank.com/
http_status: 200
note: page title 中信百信银行门户网站; meta description 中信百信银行是中信银行控股的数字普惠银行
- url: https://www.hiive.com/securities/ai-bank-stock
http_status: 200
note: secondary-market listing that seeded this profile; Series A November 2020
x-enrichment:
date: '2026-08-06'
status: minimal
artifacts_added: 3
pass: local-v1
x-coverage:
state: gated
reason: partner-login
detail: AI Bank's open-banking host open.aibank.com resolves in DNS (119.253.84.40) but never completes a TCP connection
from the public internet, and the corporate site at www.aibank.com carries no developer, 开放平台 or API section anywhere
in its navigation — the bank's embedded-finance integrations are reached through partner business agreements, so no contract
or reference is publicly readable.
evidence:
- url: https://www.aibank.com/
status: 200
- url: https://open.aibank.com/
status: 0
- url: https://www.aibank.com/.well-known/agent-card.json
status: 200
checked: '2026-08-06'
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