# Axos Bank

**Canonical:** https://apis.io/providers/axos-bank/  
**Website:** https://www.axosbank.com/  
**APIs profiled:** 4

Axos Bank is a branchless, digital-first federal savings bank chartered and regulated by the U.S. Office of the Comptroller of the Currency (OCC) and a member of the FDIC. Founded in 2000 as Bank of Internet USA and rebranded Axos in 2018, it is the primary banking subsidiary of Axos Financial, Inc. (NYSE AX), a Delaware financial holding company headquartered in San Diego, California with roughly $29 billion in consolidated assets. Axos offers consumer and commercial deposit, lending, and treasury-management products online, and runs a first-party developer / Banking-as-a-Service program. That program is real but partner-gated - the public API Store documents four API product families (Account Enrollment, Account Maintenance, Payment Solutions, and Account Reporting) secured with OAuth 2.0, but access requires contacting the Axos API team; there is no self-serve signup, no publicly downloadable OpenAPI/Swagger specification, and no documented first-party FDX participation or published CFPB Section 1033 data-access posture.

## Kin Score — 19.5 / 100 (emerging)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 19.5).

| Facet | Score |
|---|---|
| Discoverability | 72.2 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 38.1 |
| Commercial Clarity | 27.6 |
| Access Clarity | 27.6 |

Regulatory layer — **Banking & Open Finance**: 25.3 (matched via tags).

## Agent readiness — 8.5 (agent-aware)

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

## APIs (4)

- **Axos Account Enrollment API** — Submit new account applications and open new Axos deposit and commercial accounts programmatically. Partner-gated access secured with OAuth 2.0; no public OpenAPI specification ...
- **Axos Account Maintenance API** — Keep client funds current - check balances, manage stop payments, update account information, close accounts, and move funds between deposit and commercial accounts. Partner-gat...
- **Axos Payment Solutions API** — Enable fund transfers between Axos accounts and track payment status, including domestic wire origination. Partner-gated access secured with OAuth 2.0; no public OpenAPI specifi...
- **Axos Account Reporting API** — Access transaction reports, query company data, and identify client accounts for data-driven reporting. Partner-gated access secured with OAuth 2.0; no public OpenAPI specificat...

## Security (2)

- **Axos Bank Authentication** — oauth2/apiKey · 2 schemes
- **Axos Bank Domain Security** — TLSv1.2 · HSTS · DNSSEC · DMARC

## Tags

Financial-Services, Banking, United States, Banking as a Service, Open Finance, Payments, Digital Bank

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