Algbra website screenshot

Algbra

Algbra is a UK values-based, sustainability-focused fintech operated by Algbra FS UK Limited (company number 12629086), an electronic money institution authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 (FRN 952360); its parent, Algbra Group Limited, is a certified B Corporation. Rather than a licensed clearing bank or building society, Algbra is a challenger provider of ethical multi-currency accounts, cards, savings and Banking-as-a-Service infrastructure. Through the Algbra Labs developer platform it exposes two API surfaces - a first-party Partner Banking (BaaS) API for onboarding, accounts, cards, payments and transactions, and a UK Open Banking dedicated interface conformant to the Open Banking Implementation Entity (OBIE) Read/Write Standard v3.1.8 covering Account & Transaction Information (AIS), Payment Initiation (PIS) and Confirmation of Funds (CBPII), delivered via the Tell Money (Tell Connect) platform. As a non-CMA9 ASPSP it meets PSD2 access-to-account obligations, securing the interface with FAPI-grade OAuth2/OIDC, mutual-TLS using OBIE OBWAC/OBSEAL eIDAS certificates, PS256 request-object signing, Dynamic Client Registration (DCR v3.2) and PSD2 strong customer authentication.

Algbra publishes 5 APIs on the APIs.io network, including Account Access API, Accounts API, Balances API, and 2 more. Tagged areas include Financial-Services, Banking, Open Banking, PSD2, and OBIE.

The Algbra catalog on APIs.io includes 1 event-driven AsyncAPI specification.

Algbra’s developer surface includes authentication, sandbox, getting-started guide, documentation, signup flow, engineering blog, pricing, and 21 more developer resources.

🌐 Visit website 📡 Source on GitHub
55.4/100 strong ▬ flat Agent 39/100 agent native saas Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0
AccessSelf serve
1 APIs
Financial-ServicesBankingOpen BankingPSD2OBIEUnited KingdomPaymentsAccount InformationFintechEthical FinanceBanking as a Service

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-09-08 · rubric v0.20.0
Composite quality — 55.4/100 · strong
Contract Quality 11.1 / 19
Developer Ergonomics 9.9 / 15
Access Clarity 6.7 / 15
Operational Transparency 1.8 / 10
Contract Governance 0.4 / 9
Discoverability 5.7 / 8
Regulatory Posture 13.3 / 15
Create-or-Update Ergonomics 0.0 / 10
Agent readiness — 39/100 · agent native
Machine-Readable Contract 18 / 18
Agentic Access Contract 10 / 10
Documented Reversibility 0 / 6
MCP Server 0 / 12
Machine-Readable Auth 10 / 10
Idempotency 9 / 9
Stable Error Semantics 8 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 7 / 7
Typed Event Surface 6 / 6
Agent Skills 5 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
A2A Agent Card 0 / 8
Dry-Run / Simulate Mode 0 / 4
Delegated User Identity 6 / 6
Protected Resource Metadata 0 / 5
Registration Without a Human 0 / 6
Agentic Commerce Well-Known Document 0 / 5
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.
Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.
The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% 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/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from github.com/api-evangelist/algbra: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 8

Individual APIs this provider publishes, each with its own machine-readable definition.

Algbra Payment Initiation API (PIS)

Algbra's UK Open Banking Payment Initiation (PIS) dedicated interface under the OBIE Read/Write Standard v3.1.8, allowing authorised PISP Third Party Providers to initiate payme...

Algbra Confirmation of Funds API (CBPII)

Algbra's UK Open Banking Confirmation of Funds (CBPII) dedicated interface under the OBIE Read/Write Standard v3.1.8, allowing authorised CBPII Third Party Providers to confirm ...

Algbra Partner Banking API

Algbra Labs' first-party Partner Banking (Banking-as-a-Service) API for B2B partners, covering customer onboarding and compliance checks, primary and virtual accounts, card issu...

Algbra Account Access API

The Account Access API from Algbra — 2 operation(s) for account access.

Algbra Accounts API

The Accounts API from Algbra — 2 operation(s) for accounts.

Algbra Balances API

The Balances API from Algbra — 1 operation(s) for balances.

Algbra Beneficiaries API

The Beneficiaries API from Algbra — 1 operation(s) for beneficiaries.

Algbra Transactions API

The Transactions API from Algbra — 1 operation(s) for transactions.

Scroll for all 8

Open Collections 1

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

Account and Transaction API Specification

OPEN COLLECTION

Arazzo Workflows 1

Multi-step API workflows described with the Arazzo specification.

Algbra OBIE account-access and read

Create an OBIE account-access consent, confirm it is authorised, then read the customer's accounts, balances and transactions through Algbra's UK Open Banking (AIS) dedicated in...

ARAZZO

Event Specifications 1

AsyncAPI definitions for this provider's event-driven and streaming APIs.

Algbra Partner Banking Webhooks

ASYNCAPI

Security Posture 3

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

Algbra Authentication

oauth2 · 2 schemes

SECURITY

Algbra Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Algbra Vulnerability Disclosure

Hackerone · contact published

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Algbra Scopes

4 scopes · authorizationCode/clientCredentials

4 scopes

SCOPES

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Algbra Agentic Access

8 operations · 2 acting

8 operations · 2 acting

AGENTIC

Resources

Get Started 4

Portal, sign-up, and the first successful call

Sandbox
Sandbox
 GettingStarted
GettingStarted
 DeveloperPortal
DeveloperPortal
 SignUp
SignUp

Documentation 1

Reference material describing how the API behaves

Documentation
Documentation

Agent Surfaces 3

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess
AgenticAccess
 LLMsTxt
LLMsTxt
 AgentSkill
AgentSkill

Design & Contract 7

Pagination, idempotency, versioning, errors, and events

Conventions
Conventions
 Idempotency
Idempotency
 Conformance
Conformance
 ErrorCatalog
ErrorCatalog
 Lifecycle
Lifecycle
 DataModel
DataModel
 Arazzo
Arazzo

Scroll for all 7

Access & Security 5

Authentication, authorization, and security posture

DomainSecurity
DomainSecurity
 OAuthScopes
OAuthScopes
 Authentication
Authentication
 Security
Security
 VulnerabilityDisclosure
VulnerabilityDisclosure

Operate 1

Status, limits, changes, and where to get help

Support
Support

Commercial 3

Pricing, plans, and the legal terms of use

Pricing
Pricing
 TermsOfService
TermsOfService
 PrivacyPolicy
PrivacyPolicy

Company 3

The organization behind the API

Website
Website
 Blog
Blog
 LinkedIn
LinkedIn

Other 1

Properties that don't map to a standard resource type

Overlay
Overlay

Source (apis.yml)

apis.yml Raw ↑ 
aid: algbra
url: https://raw.githubusercontent.com/api-evangelist/algbra/refs/heads/main/apis.yml
name: Algbra
kind: company
description: Algbra is a UK values-based, sustainability-focused fintech operated by Algbra FS UK Limited (company number
  12629086), an electronic money institution authorised by the Financial Conduct Authority under the Electronic Money Regulations
  2011 (FRN 952360); its parent, Algbra Group Limited, is a certified B Corporation. Rather than a licensed clearing bank
  or building society, Algbra is a challenger provider of ethical multi-currency accounts, cards, savings and Banking-as-a-Service
  infrastructure. Through the Algbra Labs developer platform it exposes two API surfaces - a first-party Partner Banking (BaaS)
  API for onboarding, accounts, cards, payments and transactions, and a UK Open Banking dedicated interface conformant to
  the Open Banking Implementation Entity (OBIE) Read/Write Standard v3.1.8 covering Account & Transaction Information (AIS),
  Payment Initiation (PIS) and Confirmation of Funds (CBPII), delivered via the Tell Money (Tell Connect) platform. As a non-CMA9
  ASPSP it meets PSD2 access-to-account obligations, securing the interface with FAPI-grade OAuth2/OIDC, mutual-TLS using
  OBIE OBWAC/OBSEAL eIDAS certificates, PS256 request-object signing, Dynamic Client Registration (DCR v3.2) and PSD2 strong
  customer authentication.
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Partner onboarding / OBIE Dynamic Client Registration
  confidence: medium
  source:
  - authentication
  - documentation
  generated: '2026-07-23'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Financial-Services
- Banking
- Open Banking
- PSD2
- OBIE
- United Kingdom
- Payments
- Account Information
- Fintech
- Ethical Finance
- Banking as a Service
tags_raw:
- Financial Services
- Banking
- Open Banking
- PSD2
- OBIE
- United Kingdom
- Payments
- Account Information
- Fintech
- Ethical Finance
- Banking as a Service
created: '2026-07-23'
modified: '2026-07-23'
specificationVersion: '0.23'
apis:
- aid: algbra:algbra-payment-initiation-api
  name: Algbra Payment Initiation API (PIS)
  description: Algbra's UK Open Banking Payment Initiation (PIS) dedicated interface under the OBIE Read/Write Standard v3.1.8,
    allowing authorised PISP Third Party Providers to initiate payments on a customer's behalf (scope 'payments'). Documented
    as part of Algbra's OBIE-conformant interface; secured with FAPI OAuth2/OIDC, mTLS and PSD2 SCA. No first-party OpenAPI
    is published separately from the OBIE standard specification.
  humanURL: https://developer.algbralabs.com/open-banking-uk/introduction
  baseURL: https://secure.tell.systems/algbra/open-banking/v3.1/pisp
  tags:
  - Payments
  - Open Banking
  - PIS
  properties:
  - type: Documentation
    url: https://developer.algbralabs.com/open-banking-uk/introduction
  - type: APIReference
    url: https://openbankinguk.github.io/read-write-api-site3/v3.1.8/profiles/
- aid: algbra:algbra-confirmation-of-funds-api
  name: Algbra Confirmation of Funds API (CBPII)
  description: Algbra's UK Open Banking Confirmation of Funds (CBPII) dedicated interface under the OBIE Read/Write Standard
    v3.1.8, allowing authorised CBPII Third Party Providers to confirm the availability of funds (scope 'fundsconfirmations').
    Documented as part of Algbra's OBIE-conformant interface; secured with FAPI OAuth2/OIDC, mTLS and PSD2 SCA.
  humanURL: https://developer.algbralabs.com/open-banking-uk/introduction
  baseURL: https://secure.tell.systems/algbra/open-banking/v3.1/cbpii
  tags:
  - Confirmation of Funds
  - Open Banking
  - CBPII
  properties:
  - type: Documentation
    url: https://developer.algbralabs.com/open-banking-uk/introduction
  - type: APIReference
    url: https://openbankinguk.github.io/read-write-api-site3/v3.1.8/profiles/
- aid: algbra:algbra-partner-banking-api
  name: Algbra Partner Banking API
  description: Algbra Labs' first-party Partner Banking (Banking-as-a-Service) API for B2B partners, covering customer onboarding
    and compliance checks, primary and virtual accounts, card issuing, internal/inbound/outbound and automated payments, counterparty
    validation, transactions, activity feeds, investments and webhooks. Secured with API keys, mTLS and payload signing over
    IP-whitelisted hosts (Shared/Isolated Tenancy or Standalone deployment).
  humanURL: https://developer.algbralabs.com/partner-banking/introduction
  baseURL: https://horizon-link.algbralabs.com
  tags:
  - Banking as a Service
  - Payments
  - Account
  tags_raw:
  - Banking as a Service
  - Payments
  - Accounts
  properties:
  - type: Documentation
    url: https://developer.algbralabs.com/partner-banking/introduction
  - type: Documentation
    url: https://developer.algbralabs.com/partner-banking/getting-started
  - type: Authentication
    url: https://developer.algbralabs.com/partner-banking/getting-started/authentication
  - type: Documentation
    url: https://developer.algbralabs.com/partner-banking/getting-started/api-hosts
  - type: Documentation
    url: https://developer.algbralabs.com/partner-banking/concepts/webhooks
  - type: Webhooks
    url: asyncapi/algbra-partner-banking-webhooks.yml
- aid: algbra:algbra-account-access-api
  name: Algbra Account Access API
  description: The Account Access API from Algbra — 2 operation(s) for account access.
  humanURL: https://developer.algbralabs.com/open-banking-uk/introduction
  baseURL: https://secure.tell.systems/algbra/open-banking/v3.1/aisp
  tags:
  - Account Access
  properties:
  - type: OpenAPI
    url: openapi/algbra-account-access-api-openapi.yml
  - type: Documentation
    url: https://developer.algbralabs.com/open-banking-uk/introduction
  - type: APIReference
    url: https://developer.algbralabs.com/open-banking-uk/api-reference
  - type: Documentation
    url: https://developer.algbralabs.com/open-banking-uk/api-reference/account-access-consents
  - type: Documentation
    url: https://developer.algbralabs.com/open-banking-uk/api-reference/accounts
- aid: algbra:algbra-accounts-api
  name: Algbra Accounts API
  description: The Accounts API from Algbra — 2 operation(s) for accounts.
  humanURL: https://developer.algbralabs.com/open-banking-uk/introduction
  baseURL: https://secure.tell.systems/algbra/open-banking/v3.1/aisp
  tags:
  - Account
  tags_raw:
  - Accounts
  properties:
  - type: OpenAPI
    url: openapi/algbra-accounts-api-openapi.yml
  - type: Documentation
    url: https://developer.algbralabs.com/open-banking-uk/introduction
  - type: APIReference
    url: https://developer.algbralabs.com/open-banking-uk/api-reference
  - type: Documentation
    url: https://developer.algbralabs.com/open-banking-uk/api-reference/account-access-consents
  - type: Documentation
    url: https://developer.algbralabs.com/open-banking-uk/api-reference/accounts
- aid: algbra:algbra-balances-api
  name: Algbra Balances API
  description: The Balances API from Algbra — 1 operation(s) for balances.
  humanURL: https://developer.algbralabs.com/open-banking-uk/introduction
  baseURL: https://secure.tell.systems/algbra/open-banking/v3.1/aisp
  tags:
  - Balances
  properties:
  - type: OpenAPI
    url: openapi/algbra-balances-api-openapi.yml
  - type: Documentation
    url: https://developer.algbralabs.com/open-banking-uk/introduction
  - type: APIReference
    url: https://developer.algbralabs.com/open-banking-uk/api-reference
  - type: Documentation
    url: https://developer.algbralabs.com/open-banking-uk/api-reference/account-access-consents
  - type: Documentation
    url: https://developer.algbralabs.com/open-banking-uk/api-reference/accounts
- aid: algbra:algbra-beneficiaries-api
  name: Algbra Beneficiaries API
  description: The Beneficiaries API from Algbra — 1 operation(s) for beneficiaries.
  humanURL: https://developer.algbralabs.com/open-banking-uk/introduction
  baseURL: https://secure.tell.systems/algbra/open-banking/v3.1/aisp
  tags:
  - Beneficiaries
  properties:
  - type: OpenAPI
    url: openapi/algbra-beneficiaries-api-openapi.yml
  - type: Documentation
    url: https://developer.algbralabs.com/open-banking-uk/introduction
  - type: APIReference
    url: https://developer.algbralabs.com/open-banking-uk/api-reference
  - type: Documentation
    url: https://developer.algbralabs.com/open-banking-uk/api-reference/account-access-consents
  - type: Documentation
    url: https://developer.algbralabs.com/open-banking-uk/api-reference/accounts
- aid: algbra:algbra-transactions-api
  name: Algbra Transactions API
  description: The Transactions API from Algbra — 1 operation(s) for transactions.
  humanURL: https://developer.algbralabs.com/open-banking-uk/introduction
  baseURL: https://secure.tell.systems/algbra/open-banking/v3.1/aisp
  tags:
  - Transaction
  tags_raw:
  - Transactions
  properties:
  - type: OpenAPI
    url: openapi/algbra-transactions-api-openapi.yml
  - type: Documentation
    url: https://developer.algbralabs.com/open-banking-uk/introduction
  - type: APIReference
    url: https://developer.algbralabs.com/open-banking-uk/api-reference
  - type: Documentation
    url: https://developer.algbralabs.com/open-banking-uk/api-reference/account-access-consents
  - type: Documentation
    url: https://developer.algbralabs.com/open-banking-uk/api-reference/accounts
common:
- type: AgenticAccess
  url: agentic-access/algbra-agentic-access.yml
- type: DomainSecurity
  url: security/algbra-domain-security.yml
- type: OAuthScopes
  url: scopes/algbra-scopes.yml
- type: Authentication
  url: authentication/algbra-authentication.yml
- type: Conventions
  url: conventions/algbra-conventions.yml
- type: Idempotency
  url: conventions/algbra-conventions.yml
- type: Conformance
  url: conformance/algbra-conformance.yml
- type: ErrorCatalog
  url: errors/algbra-problem-types.yml
- type: Lifecycle
  url: lifecycle/algbra-lifecycle.yml
- type: DataModel
  url: data-model/algbra-data-model.yml
- type: Sandbox
  url: sandbox/algbra-sandbox.yml
- type: Overlay
  url: overlays/algbra-account-transaction-api-overlay.yaml
- type: LLMsTxt
  url: llms/algbra-llms.txt
- type: AgentSkill
  url: skills/_index.yml
- type: Arazzo
  name: Algbra OBIE account-access and read
  url: arazzo/algbra-account-access-flow.yml
- type: Security
  url: https://www.algbra.com/responsible-disclosure/
- type: GettingStarted
  url: https://developer.algbralabs.com/partner-banking/getting-started
- type: Website
  url: https://www.algbra.com/
- type: DeveloperPortal
  url: https://developer.algbralabs.com/home
- type: Documentation
  url: https://developer.algbralabs.com/open-banking-uk/introduction
- type: SignUp
  url: https://developer.algbralabs.com/partner-banking/getting-started/partner-onboarding
- type: Blog
  url: https://www.algbra.com/news/category/blog/
- type: Pricing
  url: https://www.algbra.com/fees-and-charges/
- type: TermsOfService
  url: https://www.algbra.com/terms-and-conditions/
- type: PrivacyPolicy
  url: https://www.algbra.com/privacy-policy/
- type: Support
  url: https://www.algbra.com/help/
- type: VulnerabilityDisclosure
  url: https://www.algbra.com/responsible-disclosure/
- type: LinkedIn
  url: https://algbra.com/socials/linkedin
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

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