AI Bank website screenshot

AI Bank

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.

🌐 Visit website 📡 Source on GitHub
5.7/100 minimal ▬ flat Agent 0/100 human only Full breakdown ↓
scored 2026-08-17 · rubric v0.11.0
0 APIs
CompanyBankingDigital BankingFinancial ServicesConsumer FinanceSME LendingWealth ManagementFinTechChina

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-08-17 · rubric v0.11.0
Composite quality — 5.7/100 · minimal
Contract Quality 0.0 / 21
Developer Ergonomics 0.0 / 17
Commercial Clarity 0.0 / 17
Operational Transparency 0.0 / 11
Governance 0.0 / 10
Discoverability 4.6 / 9
Regulatory Posture 1.1 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 10
MCP Server 0 / 12
Machine-Readable Auth 0 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
A2A Agent Card 0 / 8
Dry-Run / Simulate Mode 0 / 4
Regulatory Posture applies to this provider. Its tags matched the Banking & Open Finance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.
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 weight, not 100%. The full arithmetic is at apis.io/rating/.
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/ai-bank: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

Security Posture 1

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Ai Bank Domain Security

no transport/DNS hardening detected

SECURITY

Resources

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt
LLMsTxt

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity
DomainSecurity

Company 1

The organization behind the API

Website
Website

Source (apis.yml)

apis.yml Raw ↑ 
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
specificationVersion: '0.20'
created: '2026-08-06'
modified: '2026-08-06'
tags:
- 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'