Array

Array is an embedded fintech products platform that lets financial institutions, fintechs, credit-service companies, and consumer brands seamlessly integrate consumer credit, identity, and background data into their own user experiences and marketing funnels. Array packages products such as credit scores and monitoring (My Credit Manager), identity and privacy protection, background checks, credit building (BuildCredit), debt management and navigation, an offers engine, property and home-value data, and a subscription manager, delivered as embeddable white-label components, private- label experiences, and APIs so clients can drive engagement, conversion, revenue, and consumer financial progress. Headquartered in New York City and led by CEO Martin Toha, Array is backed by investors including General Catalyst. This profile was seeded from a VC portfolio lead and enriched from Array's public website; its developer documentation (docs.array.com, on ReadMe) is password-gated, so no public OpenAPI or SDK surface could be harvested.

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

Array’s developer surface includes documentation, pricing, support, engineering blog, and 10 more developer resources.

🌐 Visit website 📡 Source on GitHub

19.9/100 emerging ▬ flat Agent 0/100 human only Full breakdown ↓
scored 2026-07-27 · rubric v0.5

0 APIs

CompanyFintechEmbedded FinanceCredit DataIdentityBackground ChecksCredit MonitoringConsumer DataFinancial ServicesAPI

Kin Score

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

Composite quality — 19.9/100 · emerging

Contract Quality 0.0 / 25

Developer Ergonomics 4.8 / 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: 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

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

Design & Contract 1

Pagination, idempotency, versioning, errors, and events

Lifecycle

Lifecycle

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

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 3

The organization behind the API

Website

Website

Blog

Blog

About

About

Other 1

Properties that don't map to a standard resource type

Deployment

Deployment

Source (apis.yml)

aid: array
name: Array
description: Array is an embedded fintech products platform that lets financial institutions, fintechs, credit-service companies,
  and consumer brands seamlessly integrate consumer credit, identity, and background data into their own user experiences
  and marketing funnels. Array packages products such as credit scores and monitoring (My Credit Manager), identity and privacy
  protection, background checks, credit building (BuildCredit), debt management and navigation, an offers engine, property
  and home-value data, and a subscription manager, delivered as embeddable white-label components, private- label experiences,
  and APIs so clients can drive engagement, conversion, revenue, and consumer financial progress. Headquartered in New York
  City and led by CEO Martin Toha, Array is backed by investors including General Catalyst. This profile was seeded from a
  VC portfolio lead and enriched from Array's public website; its developer documentation (docs.array.com, on ReadMe) is password-gated,
  so no public OpenAPI or SDK surface could be harvested.
url: https://raw.githubusercontent.com/api-evangelist/array/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- general-catalyst
x-tier: stub
x-tier-reason: portfolio-lead
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
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-18'
tags:
- Company
- Fintech
- Embedded Finance
- Credit Data
- Identity
- Background Checks
- Credit Monitoring
- Consumer Data
- Financial Services
- API
apis: []
common:
- type: DomainSecurity
  url: security/array-domain-security.yml
- type: Website
  url: https://array.com
- type: DeveloperPortal
  url: https://array.com/developers
- type: Documentation
  url: https://docs.array.com
- type: Deployment
  url: https://array.com/deployment
- 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: About
  url: https://array.com/company/about-us
- type: TermsOfService
  url: https://array.com/legal
- type: PrivacyPolicy
  url: https://array.com/privacy
- type: StatusPage
  url: https://status.array.com
- type: Lifecycle
  url: lifecycle/array-lifecycle.yml
- type: LLMsTxt
  url: llms/array-llms.txt
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