# Array

**Canonical:** https://apis.io/providers/array/  
**Website:** https://array.com  
**APIs profiled:** 1

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.

## Kin Score — 25.5 / 100 (emerging)

Scored 2026-08-17 under rubric 0.11.0. Trend: flat (+0.0 from 25.5).

| Facet | Score |
|---|---|
| Discoverability | 75.9 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Operational Transparency | 15.8 |
| Developer Ergonomics | 47.8 |
| Commercial Clarity | 31.6 |

## Agent readiness — 15.8 (agent-aware)

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

## Access

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## APIs (1)

- **Array API** — 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 ...

## Security (2)

- **Array Authentication** — apiKey · 4 schemes
- **Array Domain Security** — TLSv1.3 · HSTS · DMARC

## Plans (1)

- **Array Plans Pricing**

## Tags

Company, Fintech, Embedded Finance, Credit Data, Identity, Background Checks, Credit Monitoring, Consumer Data, Financial Services, API

---

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