Bankiom

Bankiom is a Dubai-based consumer fintech founded in 2018 by Danny Abla. It began as a UAE/GCC lifestyle neobank offering free virtual prepaid Mastercard cards, multi-bank account aggregation, spending insights, and instant peer transfers through a mobile app across the UAE, Saudi Arabia, Bahrain, Kuwait, and Oman. Bankiom has since repositioned as an autonomous AI money agent that securely connects to a user's bank, audits roughly 90 days of transactions, and surfaces the fees, interest, unused rewards, forgotten subscriptions, and expiring loyalty points a customer should not be paying, charging only a capped share of verified savings. It is a consumer-facing application and does not publish a public developer API, SDKs, or developer portal at this time.

Bankiom is profiled on the APIs.io network. Tagged areas include Company, Fintech, Banking, Neobank, and Personal Finance.

Bankiom’s developer surface includes support and 4 more developer resources.

🌐 Visit website 📡 Source on GitHub

2.4/100 minimal ▬ flat Agent 0/100 human only saas Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0

0 APIs

Company Fintech Banking Neobank Personal Finance AI Agent Payments UAE GCC

Kin Score

Kin Score How this is scored →
scored 2026-09-08 · rubric v0.20.0

Composite quality — 2.4/100 · minimal

Contract Quality 0.0 / 21

Developer Ergonomics 0.8 / 17

Access Clarity 0.0 / 17

Operational Transparency 0.0 / 11

Contract Governance 0.0 / 10

Discoverability 4.3 / 9

Regulatory Posture 1.1 / 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/bankiom: 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 →

Security Posture 1

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

Bankiom Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Resources

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 1

The organization behind the API

Website

Website

Source (apis.yml)

aid: bankiom
name: Bankiom
description: Bankiom is a Dubai-based consumer fintech founded in 2018 by Danny Abla. It began as a UAE/GCC lifestyle neobank
  offering free virtual prepaid Mastercard cards, multi-bank account aggregation, spending insights, and instant peer transfers
  through a mobile app across the UAE, Saudi Arabia, Bahrain, Kuwait, and Oman. Bankiom has since repositioned as an autonomous
  AI money agent that securely connects to a user's bank, audits roughly 90 days of transactions, and surfaces the fees, interest,
  unused rewards, forgotten subscriptions, and expiring loyalty points a customer should not be paying, charging only a capped
  share of verified savings. It is a consumer-facing application and does not publish a public developer API, SDKs, or developer
  portal at this time.
url: https://raw.githubusercontent.com/api-evangelist/bankiom/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- 500-global
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
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-18'
image: https://www.bankiom.com/favicon.png
tags:
- Company
- Fintech
- Banking
- Neobank
- Personal Finance
- AI Agent
- Payments
- UAE
- GCC
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://www.bankiom.com
- type: TermsOfService
  url: https://www.bankiom.com/terms
- type: PrivacyPolicy
  url: https://www.bankiom.com/privacy
- type: Support
  url: mailto:puravida@bankiom.com
- type: DomainSecurity
  url: security/bankiom-domain-security.yml
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence

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