Array US

Array US (Array) is a New York-based embedded finance and fintech infrastructure company. Array provides white-label, embeddable consumer credit, identity, and financial data products that banks, credit unions, fintechs, and consumer brands integrate into their own apps and marketing funnels through Array's developer tools, embeddable components, and APIs. Its product catalog includes credit score monitoring (My Credit Manager), identity and privacy protection, credit building (BuildCredit account and rent reporting), background checks, debt management and navigation, subscription management, property and home-value data, financial calculators, student loan aid, and a personalized Offers Engine and marketplace. Array is backed by Battery Ventures among other venture investors and was surfaced in the API Evangelist network as a Battery Ventures portfolio company.

Array US is profiled on the APIs.io network. Tagged areas include Company, Fintech, Embedded Finance, Consumer Credit, and Identity.

Array US’s developer surface includes pricing, support, engineering blog, and 8 more developer resources.

🌐 Visit website 📡 Source on GitHub

18.2/100 emerging ▬ flat Agent 0/100 human only Full breakdown ↓
scored 2026-07-27 · rubric v0.5

0 APIs

CompanyFintechEmbedded FinanceConsumer CreditIdentityFinancial DataCredit MonitoringBackground Checks

Kin Score

Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5

Composite quality — 18.2/100 · emerging

Contract Quality 0.0 / 25

Developer Ergonomics 3.0 / 20

Commercial Clarity 6.3 / 20

Operational Transparency 2.1 / 13

Governance 0.0 / 12

Discoverability 6.8 / 10

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 15

MCP Server 0 / 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 0 / 4

Consent & Bot Identity 0 / 3

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/array-us: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

Get Started 1

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

Design & Contract 2

Pagination, idempotency, versioning, errors, and events

Lifecycle

Lifecycle

Components

Components

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Operate 2

Status, limits, changes, and where to get help

Support

Support

StatusPage

StatusPage

Commercial 3

Pricing, plans, and the legal terms of use

Pricing

Pricing

PrivacyPolicy

PrivacyPolicy

TermsOfService

TermsOfService

Company 2

The organization behind the API

Website

Website

Blog

Blog

Source (apis.yml)

aid: array-us
name: Array US
description: Array US (Array) is a New York-based embedded finance and fintech infrastructure company. Array provides white-label,
  embeddable consumer credit, identity, and financial data products that banks, credit unions, fintechs, and consumer brands
  integrate into their own apps and marketing funnels through Array's developer tools, embeddable components, and APIs. Its
  product catalog includes credit score monitoring (My Credit Manager), identity and privacy protection, credit building (BuildCredit
  account and rent reporting), background checks, debt management and navigation, subscription management, property and home-value
  data, financial calculators, student loan aid, and a personalized Offers Engine and marketplace. Array is backed by Battery
  Ventures among other venture investors and was surfaced in the API Evangelist network as a Battery Ventures portfolio company.
url: https://raw.githubusercontent.com/api-evangelist/array-us/refs/heads/main/apis.yml
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source: []
  generated: '2026-07-22'
  method: derived
image: https://array.com/assets/array-featured-image.png
x-type: company
x-source: vc-portfolio
x-backed-by:
- battery-ventures
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-18'
tags:
- Company
- Fintech
- Embedded Finance
- Consumer Credit
- Identity
- Financial Data
- Credit Monitoring
- Background Checks
apis: []
common:
- type: DomainSecurity
  url: security/array-us-domain-security.yml
- type: Website
  url: https://array.com
- type: DeveloperPortal
  url: https://array.com/developers
- type: Pricing
  url: https://array.com/product-pricing/all-features
- type: Support
  url: https://array.com/help
- type: Blog
  url: https://array.com/company/newsroom
- type: PrivacyPolicy
  url: https://array.com/privacy
- type: TermsOfService
  url: https://array.com/legal/terms
- type: Lifecycle
  url: lifecycle/array-us-lifecycle.yml
- type: StatusPage
  url: https://status.array.com
- type: Components
  url: components/array-us-components.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence