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

14.6/100 minimal ▬ flat Agent 0/100 human only Full breakdown ↓
scored 2026-07-27 · rubric v0.5

0 APIs

CompanyFintechBankingNeobankPersonal FinanceAI AgentPaymentsUAEGCC

Kin Score

Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5

Composite quality — 14.6/100 · minimal

Contract Quality 0.0 / 25

Developer Ergonomics 0.9 / 20

Commercial Clarity 4.2 / 20

Operational Transparency 0.0 / 13

Governance 0.0 / 12

Discoverability 6.8 / 10

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 15

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

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. 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. Want it done for you? Prioritized profiling — $2,500 →

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
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source: []
  generated: '2026-07-22'
  method: derived
specificationVersion: '0.20'
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