Bank Jago

PT Bank Jago Tbk is a technology-based digital bank in Indonesia, listed on the Indonesia Stock Exchange (IDX: ARTO) and backed by investors including Ribbit Capital and GoTo. Rather than a branch network, Bank Jago is delivered through the life-centric Jago mobile application and is deeply embedded into partner ecosystems — Gojek/GoPay for payments, and Bibit/Stockbit for investing — via API-based integrations. Its Open API payment surface is exposed through Indonesia's national SNAP (Standar Nasional Open API Pembayaran) programme, administered through the ASPI developer directory, rather than a self-hosted public developer portal. Bank Jago is regulated by the Indonesian Financial Services Authority (OJK) and Bank Indonesia. This API Evangelist profile is compiled from public sources as a fintech company lead; the bank publishes no self-hosted OpenAPI, SDK, or developer documentation at this time.

Bank Jago is profiled on the APIs.io network. Tagged areas include Company, Fintech, Banking, Digital Bank, and Indonesia.

Bank Jago’s developer surface includes engineering blog and 7 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

11.6/100 emerging ▬ flat Agent 0/100 human only saas Full breakdown ↓
scored 2026-10-17 · rubric v0.24.0

0 APIs

Company Fintech Banking Digital Bank Indonesia Open Banking Payments SNAP

Kin Score

Kin Score How this is scored →
scored 2026-10-17 · rubric v0.24.0

Composite quality — 11.6/100 · emerging

Contract Quality 0.0 / 21

Developer Ergonomics 0.4 / 17

Access Clarity 3.6 / 17

Operational Transparency 0.0 / 11

Contract Governance 1.9 / 10

Discoverability 4.7 / 9

Regulatory Posture 2.3 / 15

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 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 could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% 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/bank-jago: 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 →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
Gulf and Southeast Asia Open Finance	regulated	19.2 (thin)	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Security Posture 1

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

Bank Jago Domain Security

TLSv1.2 · HSTS · DNSSEC · DMARC

SECURITY

Resources

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

WellKnown

WellKnown

LLMsTxt

LLMsTxt

Design & Contract 1

Pagination, idempotency, versioning, errors, and events

Conformance

Conformance

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Commercial 2

Pricing, plans, and the legal terms of use

PrivacyPolicy

PrivacyPolicy

TermsOfService

TermsOfService

Company 2

The organization behind the API

Blog

Blog

Website

Website

Source (apis.yml)

aid: bank-jago
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://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/bank-jago.png
name: Bank Jago
description: 'PT Bank Jago Tbk is a technology-based digital bank in Indonesia, listed on the Indonesia Stock Exchange (IDX:
  ARTO) and backed by investors including Ribbit Capital and GoTo. Rather than a branch network, Bank Jago is delivered through
  the life-centric Jago mobile application and is deeply embedded into partner ecosystems — Gojek/GoPay for payments, and
  Bibit/Stockbit for investing — via API-based integrations. Its Open API payment surface is exposed through Indonesia''s
  national SNAP (Standar Nasional Open API Pembayaran) programme, administered through the ASPI developer directory, rather
  than a self-hosted public developer portal. Bank Jago is regulated by the Indonesian Financial Services Authority (OJK)
  and Bank Indonesia. This API Evangelist profile is compiled from public sources as a fintech company lead; the bank publishes
  no self-hosted OpenAPI, SDK, or developer documentation at this time.'
url: https://raw.githubusercontent.com/api-evangelist/bank-jago/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- ribbit-capital
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-10-06'
tags:
- Company
- Fintech
- Banking
- Digital Bank
- Indonesia
- Open Banking
- Payments
- SNAP
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- url: https://www.jago.com/en/blog
  type: Blog
- type: Website
  url: https://www.jago.com/en
- type: PrivacyPolicy
  url: https://www.jago.com/en/privacy-policy
- type: TermsOfService
  url: https://www.jago.com/en/terms-and-conditions
- type: Conformance
  url: conformance/bank-jago-conformance.yml
- type: DomainSecurity
  url: security/bank-jago-domain-security.yml
- type: WellKnown
  url: well-known/bank-jago-well-known.yml
- type: LLMsTxt
  url: llms/bank-jago-llms.txt
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence

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