# Algbra

**Canonical:** https://apis.io/providers/algbra/  
**Website:** https://www.algbra.com/  
**APIs profiled:** 4

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.

## Kin Score — 53.8 / 100 (developing)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 53.8).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 58.0 |
| Governance | 16.7 |
| Contract Governance | 16.7 |
| Operational Transparency | 10.5 |
| Developer Ergonomics | 58.9 |
| Commercial Clarity | 44.7 |
| Access Clarity | 44.7 |

Regulatory layer — **Banking & Open Finance**: 78.5 (matched via tags).

## Agent readiness — 45.5 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | documented |
| Error Semantics | documented |
| OpenAPI Examples | no |
| Rate Limit Signal | verified |
| Event Surface Described | yes |
| Agent Skills | derived |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Partner onboarding / OBIE Dynamic Client Registration — onboarding: self-serve, pricing: unknown, trial: no (confidence: medium).

## APIs (4)

- **Algbra Account and Transaction Information API (AIS)** — Algbra's UK Open Banking Account & Transaction Information (AIS) dedicated interface, conformant to the OBIE Read/Write Standard v3.1, enabling authorised AISP Third Party Provi...
- **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...

## Agentic access (1)

- **Algbra Agentic Access** — 8 operations · 2 acting

## Security (3)

- **Algbra Authentication** — oauth2 · 2 schemes
- **Algbra Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC
- **Algbra Vulnerability Disclosure** — Hackerone · contact published

## Tags

Financial-Services, Banking, Open Banking, PSD2, OBIE, United Kingdom, Payments, Account Information, Fintech, Ethical Finance, Banking as a Service

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