BackBase website screenshot

BackBase

BackBase provides an AI-native Banking Operating System that enables banks to deliver digital experiences, integrate open banking, and accelerate product innovation. The platform offers modular components for customer engagement, core banking, risk management, and marketplace extensions, helping financial institutions modernize their services and improve operational efficiency.

BackBase publishes 8 API contracts indexed on the APIs.io network, including Approve API, Bbt API, Patch API, and 5 more. Tagged areas include Banking, Fintech, Digital Banking, API Platform, and AI-Native.

The BackBase catalog on APIs.io includes 1 JSON-LD context and 2 Spectral governance rulesets.

BackBase’s developer surface includes documentation, engineering blog, getting-started guide, and 22 more developer resources.

🌐 Visit website📡 Profile data on GitHub
34.5/100 thin ▬ flat Agent 28/100 agent aware Full breakdown ↓
scored 2026-10-17 · rubric v0.24.0
4 published contracts
BankingFintechDigital BankingAPI PlatformAI-Native

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-10-17 · rubric v0.24.0
Composite quality — 34.5/100 · thin
Contract Quality 10.8 / 19
Developer Ergonomics 4.9 / 15
Access Clarity 1.6 / 15
Operational Transparency 1.5 / 10
Contract Governance 2.0 / 9
Discoverability 6.0 / 8
Regulatory Posture 2.5 / 15
Create-or-Update Ergonomics 0.0 / 10
Agent readiness — 28/100 · agent aware
Machine-Readable Contract 18 / 18
Agentic Access Contract 10 / 10
Documented Reversibility 6 / 6
MCP Server 0 / 12
Machine-Readable Auth 0 / 10
Idempotency 0 / 9
Stable Error Semantics 8 / 8
Request/Response Examples 7 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 0 / 6
Agent Skills 5 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
A2A Agent Card 0 / 8
Dry-Run / Simulate Mode 0 / 4
Delegated User Identity 0 / 6
Protected Resource Metadata 0 / 5
Registration Without a Human 0 / 6
Agentic Commerce Well-Known Document 0 / 5
Regulatory Posture applies to this provider. Its tags matched the Banking & Open Finance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.
Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.
The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from github.com/api-evangelist/backbase: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 8

Individual APIs this provider publishes, each with its own machine-readable definition.

BackBase Approve API

Payment approval API.

BackBase Bbt API

The bbt API from BackBase — 1 operation(s) for bbt.

BackBase Patch API

The patch API from BackBase — 1 operation(s) for patch.

BackBase Payment Orders API

Core payments API.

BackBase Test API

The test API from BackBase — 4 operation(s) for test.

BackBase Utility API

Utility endpoints.

BackBase Validate API

Validation of a payment.

BackBase Wallet API

The wallet API from BackBase — 2 operation(s) for wallet.

Scroll for all 8

Semantic Vocabularies 1

JSON-LD contexts and semantic vocabularies used across these APIs.

Backbase Context

71 classes · 138 properties

JSON-LD

Spectral Rules 2

Spectral governance rulesets for linting and validating these APIs.

BackBase — backbase openapi tools rules

7 rules · 7 errors

SPECTRAL

BackBase API Rules

13 rules · 11 errors 1 warnings 1 info

SPECTRAL

OpenAPI Overlays 1

Overlays applied on top of this provider's contracts. Each card says who wrote it: a document the provider publishes, or one API Evangelist derived or generated.

Backbase Payment Order Client Api Overlay

1 action · update

UNRECORDED

JSON Schema 12

Standalone JSON Schema definitions for this provider's data models.

BbtBuild-infoGetGetResponseBody

1 properties

JSON SCHEMA

BulkPaymentOrdersApprovalPutResponse

5 properties

JSON SCHEMA

DateQueryParamGetResponseBody

14 properties

JSON SCHEMA

PaymentCard

10 properties

JSON SCHEMA

PaymentCardsPostResponseBody

1 properties

JSON SCHEMA

PaymentOrderGet

32 properties

JSON SCHEMA

PaymentOrdersPostResponse

13 properties

JSON SCHEMA

InitiatePaymentOrder

10 properties

JSON SCHEMA

PaymentOrdersValidatePostResponse

17 properties

JSON SCHEMA

InitiatePaymentOrder

10 properties

JSON SCHEMA

TestHeadersResponseBody

1 properties

JSON SCHEMA

TestValuesGetResponseBody

2 properties

JSON SCHEMA

Scroll for all 12

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Backbase Domain Security

TLSv1.3 · DMARC

SECURITY

Backbase Vulnerability Disclosure

security.txt

SECURITY

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Backbase Agentic Access

26 operations · 12 acting

26 operations · 12 acting

AGENTIC

Resources

Get Started 1

Portal, sign-up, and the first successful call

GettingStarted
GettingStarted

Documentation 1

Reference material describing how the API behaves

Documentation
Documentation

Agent Surfaces 3

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess
AgenticAccess
 AgentSkill
AgentSkill
 LLMsTxt
LLMsTxt

Design & Contract 7

Pagination, idempotency, versioning, errors, and events

Spectral
Spectral
 JSONLD
JSONLD
 Vocabulary
Vocabulary
 DataModel
DataModel
 ErrorCatalog
ErrorCatalog
 Conformance
Conformance
 SpectralRules
SpectralRules

Scroll for all 7

Build 3

SDKs, sample code, and the tooling you integrate with

SDKs
SDKs
 Packages
Packages
 GitHubOrganization
GitHubOrganization

Access & Security 3

Authentication, authorization, and security posture

Security
Security
 VulnerabilityDisclosure
VulnerabilityDisclosure
 DomainSecurity
DomainSecurity

Commercial 1

Pricing, plans, and the legal terms of use

PrivacyPolicy
PrivacyPolicy

Company 3

The organization behind the API

Newsroom
Newsroom
 Blog
Blog
 Website
Website

Other 3

Properties that don't map to a standard resource type

Overlay
Overlay
 Hosts
Hosts
 Vendors
Vendors

Source (apis.yml)

apis.yml Raw ↑ 
aid: backbase
name: BackBase
image: https://cdn.prod.website-files.com/688b633d00cf5931b997219b/69e897c9dfa32eb11c5bb807_Open%20Graph.jpg
description: BackBase provides an AI-native Banking Operating System that enables banks to deliver digital experiences, integrate
  open banking, and accelerate product innovation. The platform offers modular components for customer engagement, core banking,
  risk management, and marketplace extensions, helping financial institutions modernize their services and improve operational
  efficiency.
url: https://raw.githubusercontent.com/api-evangelist/backbase/refs/heads/main/apis.yml
x-type: company
x-source: harvest:secondary-market
x-tier: profiled
x-tier-reason: enrichment pass 2026-09-27 (modular-v1; was harvest)
specificationVersion: '0.20'
created: '2026-09-27'
modified: '2026-09-27'
tags:
- Banking
- Fintech
- Digital Banking
- API Platform
- AI-Native
tags_raw:
- Banking
- FinTech
- Digital Banking
- API Platform
- AI-native
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: AgenticAccess
  url: agentic-access/backbase-agentic-access.yml
- type: Spectral
  url: rules/backbase-rules.yml
- type: JSONLD
  url: json-ld/backbase-context.jsonld
- type: Vocabulary
  url: vocabulary/backbase-vocabulary.yml
- type: AgentSkill
  url: skills/_index.yml
- type: DataModel
  url: data-model/backbase-data-model.yml
- type: ErrorCatalog
  url: errors/backbase-problem-types.yml
- type: Conformance
  url: conformance/backbase-conformance.yml
- type: Overlay
  url: overlays/backbase-payment-order-client-api-overlay.yaml
- type: LLMsTxt
  url: llms/backbase-llms.txt
- type: Hosts
  url: hosts/backbase-hosts.yml
- type: Vendors
  url: vendors/backbase-vendors.yml
- type: SDKs
  url: packages/backbase-packages.yml
- type: Packages
  url: packages/backbase-packages.yml
- type: Security
  url: https://www.backbase.com/about/security
- type: PrivacyPolicy
  url: https://www.backbase.com/legal/privacy-policy
- type: Newsroom
  url: https://www.backbase.com/press
- type: Documentation
  url: https://www.backbase.com/insight/guides
- type: Blog
  url: https://www.backbase.com/blog
- type: GettingStarted
  url: https://www.backbase.com/blog/agentic-onboarding-commercial-banking
- type: GitHubOrganization
  url: https://github.com/Backbase
- type: VulnerabilityDisclosure
  url: security/backbase-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/backbase-domain-security.yml
- type: Website
  url: https://www.backbase.com
- type: SpectralRules
  url: https://github.com/Backbase/backbase-openapi-tools/blob/6290a82f514c77c90e697555040df39820e15024/boat-quay/openapi-rules.yml
apis:
- aid: backbase:backbase-approve-api
  name: BackBase Approve API
  description: Payment approval API.
  humanURL: https://www.backbase.com/insight/guides
  baseURL: https://api.backbase.com
  tags:
  - approve
  properties:
  - type: OpenAPI
    url: openapi/backbase-approve-api-openapi.yml
  - type: JSONSchema
    url: json-schema/backbase-payment-order-get-response-schema.json
  - type: JSONSchema
    url: json-schema/backbase-payment-orders-validate-post-response-schema.json
  - type: JSONSchema
    url: json-schema/backbase-bulk-payment-orders-approval-put-response-schema.json
  - type: JSONSchema
    url: json-schema/backbase-payment-orders-post-response-schema.json
  - type: JSONSchema
    url: json-schema/backbase-payment-orders-post-schema.json
  - type: JSONSchema
    url: json-schema/backbase-payment-orders-validate-post-schema.json
  - type: JSONSchema
    url: json-schema/backbase-payment-card-schema.json
  - type: JSONSchema
    url: json-schema/backbase-date-query-param-get-response-body-schema.json
  - type: JSONSchema
    url: json-schema/backbase-test-headers-response-body-schema.json
  - type: JSONSchema
    url: json-schema/backbase-test-values-get-response-body-schema.json
  - type: JSONSchema
    url: json-schema/backbase-bbt-build-info-get-get-response-body-schema.json
  - type: JSONSchema
    url: json-schema/backbase-payment-cards-post-response-body-schema.json
- aid: backbase:backbase-bbt-api
  name: BackBase Bbt API
  description: The bbt API from BackBase — 1 operation(s) for bbt.
  humanURL: https://www.backbase.com/insight/guides
  baseURL: https://api.backbase.com
  tags:
  - bbt
  properties:
  - type: OpenAPI
    url: openapi/backbase-bbt-api-openapi.yml
  - type: JSONSchema
    url: json-schema/backbase-payment-order-get-response-schema.json
  - type: JSONSchema
    url: json-schema/backbase-payment-orders-validate-post-response-schema.json
  - type: JSONSchema
    url: json-schema/backbase-bulk-payment-orders-approval-put-response-schema.json
  - type: JSONSchema
    url: json-schema/backbase-payment-orders-post-response-schema.json
  - type: JSONSchema
    url: json-schema/backbase-payment-orders-post-schema.json
  - type: JSONSchema
    url: json-schema/backbase-payment-orders-validate-post-schema.json
  - type: JSONSchema
    url: json-schema/backbase-payment-card-schema.json
  - type: JSONSchema
    url: json-schema/backbase-date-query-param-get-response-body-schema.json
  - type: JSONSchema
    url: json-schema/backbase-test-headers-response-body-schema.json
  - type: JSONSchema
    url: json-schema/backbase-test-values-get-response-body-schema.json
  - type: JSONSchema
    url: json-schema/backbase-bbt-build-info-get-get-response-body-schema.json
  - type: JSONSchema
    url: json-schema/backbase-payment-cards-post-response-body-schema.json
- aid: backbase:backbase-patch-api
  name: BackBase Patch API
  description: The patch API from BackBase — 1 operation(s) for patch.
  humanURL: https://www.backbase.com/insight/guides
  baseURL: https://api.backbase.com
  tags: []
  tags_raw:
  - patch
  properties:
  - type: OpenAPI
    url: openapi/backbase-patch-api-openapi.yml
  - type: JSONSchema
    url: json-schema/backbase-payment-order-get-response-schema.json
  - type: JSONSchema
    url: json-schema/backbase-payment-orders-validate-post-response-schema.json
  - type: JSONSchema
    url: json-schema/backbase-bulk-payment-orders-approval-put-response-schema.json
  - type: JSONSchema
    url: json-schema/backbase-payment-orders-post-response-schema.json
  - type: JSONSchema
    url: json-schema/backbase-payment-orders-post-schema.json
  - type: JSONSchema
    url: json-schema/backbase-payment-orders-validate-post-schema.json
  - type: JSONSchema
    url: json-schema/backbase-payment-card-schema.json
  - type: JSONSchema
    url: json-schema/backbase-date-query-param-get-response-body-schema.json
  - type: JSONSchema
    url: json-schema/backbase-test-headers-response-body-schema.json
  - type: JSONSchema
    url: json-schema/backbase-test-values-get-response-body-schema.json
  - type: JSONSchema
    url: json-schema/backbase-bbt-build-info-get-get-response-body-schema.json
  - type: JSONSchema
    url: json-schema/backbase-payment-cards-post-response-body-schema.json
- aid: backbase:backbase-payment-orders-api
  name: BackBase Payment Orders API
  description: Core payments API.
  humanURL: https://www.backbase.com/insight/guides
  baseURL: https://api.backbase.com
  tags:
  - Payment Orders
  tags_raw:
  - payment-orders
  properties:
  - type: OpenAPI
    url: openapi/backbase-payment-orders-api-openapi.yml
  - type: JSONSchema
    url: json-schema/backbase-payment-order-get-response-schema.json
  - type: JSONSchema
    url: json-schema/backbase-payment-orders-validate-post-response-schema.json
  - type: JSONSchema
    url: json-schema/backbase-bulk-payment-orders-approval-put-response-schema.json
  - type: JSONSchema
    url: json-schema/backbase-payment-orders-post-response-schema.json
  - type: JSONSchema
    url: json-schema/backbase-payment-orders-post-schema.json
  - type: JSONSchema
    url: json-schema/backbase-payment-orders-validate-post-schema.json
  - type: JSONSchema
    url: json-schema/backbase-payment-card-schema.json
  - type: JSONSchema
    url: json-schema/backbase-date-query-param-get-response-body-schema.json
  - type: JSONSchema
    url: json-schema/backbase-test-headers-response-body-schema.json
  - type: JSONSchema
    url: json-schema/backbase-test-values-get-response-body-schema.json
  - type: JSONSchema
    url: json-schema/backbase-bbt-build-info-get-get-response-body-schema.json
  - type: JSONSchema
    url: json-schema/backbase-payment-cards-post-response-body-schema.json
- aid: backbase:backbase-test-api
  name: BackBase Test API
  description: The test API from BackBase — 4 operation(s) for test.
  humanURL: https://www.backbase.com/insight/guides
  baseURL: https://api.backbase.com
  tags: []
  tags_raw:
  - test
  properties:
  - type: OpenAPI
    url: openapi/backbase-test-api-openapi.yml
  - type: JSONSchema
    url: json-schema/backbase-payment-order-get-response-schema.json
  - type: JSONSchema
    url: json-schema/backbase-payment-orders-validate-post-response-schema.json
  - type: JSONSchema
    url: json-schema/backbase-bulk-payment-orders-approval-put-response-schema.json
  - type: JSONSchema
    url: json-schema/backbase-payment-orders-post-response-schema.json
  - type: JSONSchema
    url: json-schema/backbase-payment-orders-post-schema.json
  - type: JSONSchema
    url: json-schema/backbase-payment-orders-validate-post-schema.json
  - type: JSONSchema
    url: json-schema/backbase-payment-card-schema.json
  - type: JSONSchema
    url: json-schema/backbase-date-query-param-get-response-body-schema.json
  - type: JSONSchema
    url: json-schema/backbase-test-headers-response-body-schema.json
  - type: JSONSchema
    url: json-schema/backbase-test-values-get-response-body-schema.json
  - type: JSONSchema
    url: json-schema/backbase-bbt-build-info-get-get-response-body-schema.json
  - type: JSONSchema
    url: json-schema/backbase-payment-cards-post-response-body-schema.json
- aid: backbase:backbase-utility-api
  name: BackBase Utility API
  description: Utility endpoints.
  humanURL: https://www.backbase.com/insight/guides
  baseURL: https://api.backbase.com
  tags:
  - Utility
  tags_raw:
  - utility
  properties:
  - type: OpenAPI
    url: openapi/backbase-utility-api-openapi.yml
  - type: JSONSchema
    url: json-schema/backbase-payment-order-get-response-schema.json
  - type: JSONSchema
    url: json-schema/backbase-payment-orders-validate-post-response-schema.json
  - type: JSONSchema
    url: json-schema/backbase-bulk-payment-orders-approval-put-response-schema.json
  - type: JSONSchema
    url: json-schema/backbase-payment-orders-post-response-schema.json
  - type: JSONSchema
    url: json-schema/backbase-payment-orders-post-schema.json
  - type: JSONSchema
    url: json-schema/backbase-payment-orders-validate-post-schema.json
  - type: JSONSchema
    url: json-schema/backbase-payment-card-schema.json
  - type: JSONSchema
    url: json-schema/backbase-date-query-param-get-response-body-schema.json
  - type: JSONSchema
    url: json-schema/backbase-test-headers-response-body-schema.json
  - type: JSONSchema
    url: json-schema/backbase-test-values-get-response-body-schema.json
  - type: JSONSchema
    url: json-schema/backbase-bbt-build-info-get-get-response-body-schema.json
  - type: JSONSchema
    url: json-schema/backbase-payment-cards-post-response-body-schema.json
- aid: backbase:backbase-validate-api
  name: BackBase Validate API
  description: Validation of a payment.
  humanURL: https://www.backbase.com/insight/guides
  baseURL: https://api.backbase.com
  tags:
  - Validate
  tags_raw:
  - validate
  properties:
  - type: OpenAPI
    url: openapi/backbase-validate-api-openapi.yml
  - type: JSONSchema
    url: json-schema/backbase-payment-order-get-response-schema.json
  - type: JSONSchema
    url: json-schema/backbase-payment-orders-validate-post-response-schema.json
  - type: JSONSchema
    url: json-schema/backbase-bulk-payment-orders-approval-put-response-schema.json
  - type: JSONSchema
    url: json-schema/backbase-payment-orders-post-response-schema.json
  - type: JSONSchema
    url: json-schema/backbase-payment-orders-post-schema.json
  - type: JSONSchema
    url: json-schema/backbase-payment-orders-validate-post-schema.json
  - type: JSONSchema
    url: json-schema/backbase-payment-card-schema.json
  - type: JSONSchema
    url: json-schema/backbase-date-query-param-get-response-body-schema.json
  - type: JSONSchema
    url: json-schema/backbase-test-headers-response-body-schema.json
  - type: JSONSchema
    url: json-schema/backbase-test-values-get-response-body-schema.json
  - type: JSONSchema
    url: json-schema/backbase-bbt-build-info-get-get-response-body-schema.json
  - type: JSONSchema
    url: json-schema/backbase-payment-cards-post-response-body-schema.json
- aid: backbase:backbase-wallet-api
  name: BackBase Wallet API
  description: The wallet API from BackBase — 2 operation(s) for wallet.
  humanURL: https://www.backbase.com/insight/guides
  baseURL: https://api.backbase.com
  tags:
  - Wallets
  tags_raw:
  - wallet
  properties:
  - type: OpenAPI
    url: openapi/backbase-wallet-api-openapi.yml
  - type: JSONSchema
    url: json-schema/backbase-payment-order-get-response-schema.json
  - type: JSONSchema
    url: json-schema/backbase-payment-orders-validate-post-response-schema.json
  - type: JSONSchema
    url: json-schema/backbase-bulk-payment-orders-approval-put-response-schema.json
  - type: JSONSchema
    url: json-schema/backbase-payment-orders-post-response-schema.json
  - type: JSONSchema
    url: json-schema/backbase-payment-orders-post-schema.json
  - type: JSONSchema
    url: json-schema/backbase-payment-orders-validate-post-schema.json
  - type: JSONSchema
    url: json-schema/backbase-payment-card-schema.json
  - type: JSONSchema
    url: json-schema/backbase-date-query-param-get-response-body-schema.json
  - type: JSONSchema
    url: json-schema/backbase-test-headers-response-body-schema.json
  - type: JSONSchema
    url: json-schema/backbase-test-values-get-response-body-schema.json
  - type: JSONSchema
    url: json-schema/backbase-bbt-build-info-get-get-response-body-schema.json
  - type: JSONSchema
    url: json-schema/backbase-payment-cards-post-response-body-schema.json
x-enrichment:
  date: '2026-09-27'
  status: enriched
  artifacts_added: 34
  pass: modular-v1
  engine: identity=local,contract=local,surfaces=local,docs=local,regulatory=local

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