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 23 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

35.4/100 thin ▲ 5.1 Agent 29/100 agent ready Heartbeat 100/100 alive Full breakdown ↓
scored 2026-11-13 · rubric v0.28.0 · Show this score on your site →

2 published contracts 1 Agent Skills

Banking Fintech Digital Banking API Platform AI-native

Kin Score

Kin Score How this is scored →
scored 2026-11-13 · rubric v0.28.0

Composite quality — 35.4/100 · thin

Contract Quality 11.7 / 19

Developer Ergonomics 4.9 / 15

Access Clarity 1.9 / 15

Operational Transparency 1.4 / 10

Contract Governance 2.0 / 9

Discoverability 5.6 / 8

Regulatory Posture 2.5 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 29/100 · agent ready

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

Pagination 0 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

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/.

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Agent readiness — checks not met, largest first (exact, from this profile):

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship Ask about this →
Machine-Readable Auth +10 pts — a served openid-configuration/oauth-authorization-server carrying `issuer` (served), else the securitySchemes class in the provider OpenAPIs — bound (mutualTLS, DPoP, Signature) > negotiable (oauth2 authorizationCode/clientCredentials, openIdConnect) > bearer (http bearer, apiKey) Ask about this →
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented) Ask about this →
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0 Ask about this →
Rate-Limit Signaling +7 pts — OpenAPI responses document X-RateLimit-* / RateLimit headers (verified), else a rate_limits artifact or RateLimits link (documented) Ask about this →
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document Ask about this →

8 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Access Clarity scores 12.8 — up to +17.4 composite points Ask about this →
Developer Ergonomics scores 32.7 — up to +13.5 composite points Ask about this →
Operational Transparency scores 14.3 — up to +11.1 composite points Ask about this →

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Not sure how this applies to your stack? Ask about any one item. Kin Lane reads every question, looks at your profile and your situation, and replies with what a fix would take — scoped to that one area, priced up front, yours whether you ship it or not. Ask a question →

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 the provider profile at artifacts.apis.io/backbase/apis.yml: open an issue on github.com/api-evangelist/backbase to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Standards implemented 1

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

OpenAPI

measured — observed by APIs.io (published)

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

Agent Skills 1

Packaged agent skills for driving this provider's APIs from an AI assistant.

payment-orders

AGENT SKILL

Privacy & Data 1

Its role, the data it processes, retention and transfers, quoted from its own privacy page.

BackBase

20 quoted statements, read from BackBase's own page on 2026-11-09.

PRIVACY

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. Counts are the severity each rule declares, not results of running them.

BackBase — backbase openapi tools rules

7 rules · 7 error-severity

SPECTRAL

BackBase API Rules

13 rules · 11 error-severity 1 warn-severity 1 info-severity

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 14

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

BbtBuild-infoGetGetResponseBody

1 properties

JSON SCHEMA

BulkPaymentOrdersApprovalPutResponse

5 properties

JSON SCHEMA

CurrenciesGet

0 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

RateGet

1 properties

JSON SCHEMA

TestHeadersResponseBody

1 properties

JSON SCHEMA

TestValuesGetResponseBody

2 properties

JSON SCHEMA

Scroll for all 14

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 (API Evangelist recommendations) 1

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

BackBase Agentic Access

26 operations · 10 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

JSONLD

Vocabulary

DataModel

ErrorCatalog

Conformance

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 4

Properties that don't map to a standard resource type

Overlay

Hosts

Vendors

DataProcessing

Source (apis.yml)

aid: backbase
name: BackBase
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - security
  generated: '2026-11-13'
  method: derived
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
- type: DataProcessing
  url: privacy/backbase-privacy-policy.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
  tags_raw:
  - approve
  properties:
  - type: OpenAPI
    url: openapi/backbase-approve-api-openapi.yml
  - type: JSONSchema
    url: json-schema/backbase-payment-orders-post-response-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-bbt-build-info-get-get-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
- 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
- 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-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
- 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-currencies-get-schema.json
  - type: JSONSchema
    url: json-schema/backbase-rate-get-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-orders-validate-post-response-schema.json
  - type: JSONSchema
    url: json-schema/backbase-payment-orders-validate-post-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-card-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

BackBase API — frequently asked questions

Does BackBase have an API?

Yes. APIs.io lists 8 APIs from BackBase, including BackBase Approve API, BackBase Bbt API and BackBase Patch API, and 5 more.

Is there an OpenAPI specification for the BackBase API?

Yes. APIs.io indexes 8 OpenAPI specifications for BackBase, each linked for download from this page.

Is the BackBase API ready for AI agents?

BackBase has a Kin Score of 35.4 out of 100 (thin) and an Agent Readiness score of 28.7 (agent-ready), scored by API Evangelist on 2026-11-13.

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apis_io_searchSTART HERE — APIs, providers and tags for one query, each with its total.
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