Apache Fineract

Apache Fineract is an open‑source core banking platform that provides a cloud‑ready, headless API‑first solution for digital financial services. It enables banks, fintechs, and NGOs to create loan, savings, and accounting products, supporting financial inclusion for unbanked populations worldwide. The project is governed by the Apache Software Foundation and offers extensive documentation, community support, and a robust security model.

Apache Fineract is listed with 1 API on the APIs.io network. Tagged areas include Company, OpenSource, FinTech, Banking, and API.

Apache Fineract’s developer surface includes engineering blog, documentation, getting-started guide, and 11 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

15.0/100 emerging Agent 6/100 agent aware Full breakdown ↓
scored 2026-10-31 · rubric v0.25.0 · Show this score on your site →

1 API

CompanyOpenSourceFinTechBankingAPI

Kin Score

Kin Score How this is scored →
scored 2026-10-31 · rubric v0.25.0

Composite quality — 15.0/100 · emerging

Contract Quality 0.0 / 21

Developer Ergonomics 4.0 / 17

Access Clarity 3.6 / 17

Operational Transparency 1.2 / 11

Contract Governance 0.0 / 10

Discoverability 4.6 / 9

Regulatory Posture 2.4 / 15

Agent readiness — 6/100 · agent aware

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 12 / 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 4 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

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 could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

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/.

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Agent readiness — checks not met, largest first (exact, from this profile):

Machine-Readable Contract +18 pts — api_specs includes an OpenAPI document
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
Machine-Readable Auth +10 pts — a served openid-configuration/oauth-authorization-server carrying `issuer` (served), else the securitySchemes class in the provider OpenAPIs — bound (mutualTLS, DPoP, Signature) > negotiable (oauth2 authorizationCode/clientCredentials, openIdConnect) > bearer (http bearer, apiKey)
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes

11 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Contract Quality scores 0.0 — up to +25.0 composite points
Access Clarity scores 21.1 — up to +15.8 composite points
Developer Ergonomics scores 23.8 — up to +15.2 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

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 the provider profile at artifacts.apis.io/apache-fineract/apis.yml: open an issue on github.com/api-evangelist/apache-fineract to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 1

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

Apache Fineract

Apache Fineract is an open source core banking platform offering a headless API‑first solution.

Security Posture 2

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

Apache Fineract Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Apache Fineract Vulnerability Disclosure

security.txt · contact published

SECURITY

Resources

Get Started 1

Portal, sign-up, and the first successful call

GettingStarted

GettingStarted

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

WellKnown

WellKnown

Access & Security 5

Authentication, authorization, and security posture

SecurityTxt

SecurityTxt

SecurityTxt

SecurityTxt

Security

Security

VulnerabilityDisclosure

VulnerabilityDisclosure

DomainSecurity

DomainSecurity

Commercial 2

Pricing, plans, and the legal terms of use

PrivacyPolicy

PrivacyPolicy

TermsOfService

TermsOfService

Company 2

The organization behind the API

Blog

Blog

Website

Website

Other 2

Properties that don't map to a standard resource type

Hosts

Hosts

Vendors

Vendors

Source (apis.yml)

aid: apache-fineract
name: Apache Fineract
description: Apache Fineract is an open‑source core banking platform that provides a cloud‑ready, headless API‑first solution
  for digital financial services. It enables banks, fintechs, and NGOs to create loan, savings, and accounting products, supporting
  financial inclusion for unbanked populations worldwide. The project is governed by the Apache Software Foundation and offers
  extensive documentation, community support, and a robust security model.
url: https://artifacts.apis.io/apache-fineract/apis.yml
x-type: company
x-source: harvest:new-submission
x-tier: profiled
x-tier-reason: enrichment pass 2026-10-28 (modular-v1; was harvest)
specificationVersion: '0.20'
created: '2026-10-28'
modified: '2026-10-28'
tags:
- Company
- OpenSource
- FinTech
- Banking
- API
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: SecurityTxt
  url: well-known/apache-fineract-www-security.txt
- type: SecurityTxt
  url: well-known/apache-fineract-apache-security.txt
- type: WellKnown
  url: well-known/apache-fineract-well-known.yml
- type: Hosts
  url: hosts/apache-fineract-hosts.yml
- type: Vendors
  url: vendors/apache-fineract-vendors.yml
- type: Security
  url: https://www.apache.org/security
- type: Blog
  url: https://security.apache.org/blog
- type: VulnerabilityDisclosure
  url: security/apache-fineract-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/apache-fineract-domain-security.yml
- type: Website
  url: https://fineract.apache.org/
- type: Documentation
  url: https://fineract.apache.org/docs/stable/
- type: GettingStarted
  url: https://fineract.apache.org/docs/stable/
- type: PrivacyPolicy
  url: https://privacy.apache.org/policies/privacy-policy-public.html
- type: TermsOfService
  url: https://www.apache.org/licenses/LICENSE-2.0
apis:
- name: Apache Fineract
  description: Apache Fineract is an open source core banking platform offering a headless API‑first solution.
  humanURL: https://fineract.apache.org/
  baseURL: null
  properties: []
  aid: apache-fineract:apache-fineract
x-submission-probe: 200, 2026-10-26
x-coverage:
  state: unreadable
  reason: no-machine-readable-spec
  detail: Documentation pages exist but no machine‑readable OpenAPI, AsyncAPI, GraphQL, gRPC or WSDL contracts were found.
  evidence:
  - url: https://fineract.apache.org/
    status: 200
  checked: '2026-10-28'
x-enrichment:
  date: '2026-10-28'
  status: enriched
  artifacts_added: 11
  pass: modular-v1
  engine: identity=local,contract=local,surfaces=local,docs=local,regulatory=local

Apache Fineract API — frequently asked questions

Does Apache Fineract have an API?

Yes. APIs.io lists 1 API from Apache Fineract, including Apache Fineract.

Is the Apache Fineract API ready for AI agents?

Apache Fineract has a Kin Score of 15.0 out of 100 (emerging) and an Agent Readiness score of 6.0 (agent-aware), scored by API Evangelist on 2026-10-31.

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