# Bankiom

**Canonical:** https://apis.io/providers/bankiom/  
**Website:** https://www.bankiom.com  
**APIs profiled:** 0

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.

## Kin Score — 2.4 / 100 (minimal)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 2.4).

| Facet | Score |
|---|---|
| Discoverability | 50.0 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 4.8 |
| Commercial Clarity | 0.0 |
| Access Clarity | 0.0 |

Regulatory layer — **Banking & Open Finance**: 7.6 (matched via tags).

## Agent readiness — 0.0 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## Security (1)

- **Bankiom Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Company, Fintech, Banking, Neobank, Personal Finance, AI Agent, Payments, UAE, GCC

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/bankiom/). Scores are computed from the provider's own public artifacts under a published rubric.