AI Bank

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
  probe_state: gated
  source:
  - security
  generated: '2026-11-06'
  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
- Financial-Services
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'