# AI Bank

**Canonical:** https://apis.io/providers/ai-bank/  
**Website:** https://www.aibank.com/  
**APIs profiled:** 0

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.

## Kin Score — 1.8 / 100 (minimal)

Scored 2026-08-19 under rubric 0.12.0. Trend: flat (-3.9 from 5.7).

| Facet | Score |
|---|---|
| Discoverability | 53.7 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 0.0 |
| Commercial Clarity | 0.0 |
| Access Clarity | 0.0 |

Regulatory layer — **Banking & Open Finance**: 7.6 (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 |

## Security (1)

- **Ai Bank Domain Security** — no transport/DNS hardening detected

## Tags

Company, Banking, Digital Banking, Financial Services, Consumer Finance, SME Lending, Wealth Management, FinTech, China

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