Array

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. Array's production API is served
  from https://array.io/api with a mirrored sandbox at https://sandbox.array.io/api, and its embeddable web components load
  from https://embed.array.io. This profile was seeded from a VC portfolio lead and enriched from Array's public website,
  its live API error responses, its Statuspage API and its public embed loader; its developer documentation (docs.array.com,
  on ReadMe) is password-protected at every path, so the OpenAPI specification and Postman collection Array advertises there
  could not 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
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
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: '0.23'
created: '2026-07-17'
modified: '2026-08-10'
tags:
- Company
- Fintech
- Embedded Finance
- Credit Data
- Identity
- Background Checks
- Credit Monitoring
- Consumer Data
- Financial-Services
tags_raw:
- Company
- Fintech
- Embedded Finance
- Credit Data
- Identity
- Background Checks
- Credit Monitoring
- Consumer Data
- Financial Services
- API
apis:
- aid: array:array-api
  name: Array API
  description: Array's REST API for embedded consumer-credit, identity and background-data products. Confirmed live at https://array.io/api
    — the /api/user/v2 and /api/report/v2 routes answer with structured JSON validation errors to anonymous callers, and the
    Array embed loader (embed.array.io/cms/array-web-component.js) targets https://array.io in production and https://sandbox.array.io
    in sandbox mode. The reference, OpenAPI specification and Postman collection are published on docs.array.com, which is
    password-protected at every path, so the machine-readable contract could not be harvested.
  humanURL: https://array.com/developers
  baseURL: https://array.io/api
  tags:
  - Credit Data
  - Identity
  - Background Checks
  - Embedded Finance
  properties:
  - type: DeveloperPortal
    url: https://array.com/developers
  - type: Authentication
    url: authentication/array-authentication.yml
  - type: Sandbox
    url: sandbox/array-sandbox.yml
  - type: Conventions
    url: conventions/array-conventions.yml
  - type: ErrorCatalog
    url: errors/array-problem-types.yml
  - type: RateLimits
    url: rate-limits/array-rate-limits.yml
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
- type: Components
  url: components/array-components.yml
- type: Authentication
  url: authentication/array-authentication.yml
- type: Sandbox
  url: sandbox/array-sandbox.yml
- type: Conventions
  url: conventions/array-conventions.yml
- type: ErrorCatalog
  url: errors/array-problem-types.yml
- type: Packages
  url: packages/array-packages.yml
- type: SDKs
  url: packages/array-packages.yml
- type: RateLimits
  url: rate-limits/array-rate-limits.yml
- type: Plans
  url: plans/array-plans-pricing.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
x-enrichment:
  date: '2026-08-10'
  status: enriched
  artifacts_added: 8
  pass: local-v1
  note: 'Contract discovery found the real API estate the previous rounds missed: array.io (not array.com) is the API host,
    with a live sandbox at sandbox.array.io and public embed loaders at embed.array.io. The OpenAPI, Postman collection and
    sandbox identities Array advertises all sit behind the docs.array.com password gate and remain uncaptured.'
x-merged-from:
- array-us