fineconomy

BANKSapi verbindet Ihre Anwendung per API mit über 3.000 Banken: Kontodaten, SEPA-Zahlungen, Pay by Bank und Datenanalysen – PSD2-Lizenz inklusive. Das Unternehmen bietet umfassende Banking‑APIs für Kontoinformationen, Zahlungsinitiierung, Datenanalyse und Frontend‑Integration, unterstützt von einer PSD2‑Lizenz und richtet sich an Entwickler, FinTech‑Startups und etablierte Banken, die digitale Services skalieren wollen.

fineconomy is listed with 1 API on the APIs.io network. Tagged areas include Banking, API, FinTech, Payments, and DataAnalytics.

The fineconomy catalog on APIs.io includes 1 JSON-LD context and 1 Spectral governance ruleset.

fineconomy’s developer surface includes authentication, documentation, API reference, getting-started guide, support, and 19 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

35.3/100 thin Agent 21/100 agent aware Full breakdown ↓
scored 2026-10-31 · rubric v0.25.0 · Show this score on your site →

1 API

BankingAPIFinTechPaymentsDataAnalytics

Kin Score

Kin Score How this is scored →
scored 2026-10-31 · rubric v0.25.0

Composite quality — 35.3/100 · thin

Contract Quality 5.2 / 21

Developer Ergonomics 10.4 / 17

Access Clarity 2.7 / 17

Operational Transparency 3.5 / 11

Contract Governance 2.0 / 10

Discoverability 4.9 / 9

Regulatory Posture 4.6 / 15

Agent readiness — 21/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 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 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 5 / 5

Distinct Operations 0 / 3

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/.

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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
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
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)
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes
Rate-Limit Signaling +7 pts — OpenAPI responses document X-RateLimit-* / RateLimit headers (verified), else a rate_limits artifact or RateLimits link (documented)

11 more unmet checks in the Agent Readiness table above.

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

Contract Quality scores 24.7 — up to +18.8 composite points
Access Clarity scores 15.8 — up to +16.8 composite points
Contract Governance scores 19.7 — up to +9.6 composite points

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.

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/banksapi/apis.yml: open an issue on github.com/api-evangelist/banksapi 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 →

APIs 1

Individual APIs this provider publishes, each with its own machine-readable definition.

fineconomy API

fineconomy API as documented publicly: 29 operations. Contract generated from the documentation by API Evangelist (2026-10-20); not the provider's own document.

Semantic Vocabularies 1

JSON-LD contexts and semantic vocabularies used across these APIs.

Banksapi Context

12 classes · 31 properties

JSON-LD

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

fineconomy API Rules

10 rules · 9 errors 1 info

SPECTRAL

JSON Schema 6

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

GetCustomerV2AiAffinitiesHideResponse

2 properties

JSON SCHEMA

GetCustomerV2AiDisposableMoneyReturnsResponse

12 properties

JSON SCHEMA

GetCustomerV2AiSalesTriggersReturnsResponse

9 properties

JSON SCHEMA

GetCustomerV2AiTaggingRulesPlaygroundResponse

5 properties

JSON SCHEMA

PutCustomerV2BankzugaengeAccessidProductidKontoumsaetzeTrans

1 properties

JSON SCHEMA

PutCustomerV2BankzugaengeAccessidProductidKontoumsaetzeTrans2

1 properties

JSON SCHEMA

Security Posture 3

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

Banksapi Authentication

1 scheme

SECURITY

Banksapi Domain Security

TLSv1.3 · DMARC

SECURITY

Banksapi Trust Center

ISO 27001, GDPR

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Banksapi Scopes

5 scopes · clientCredentials

5 scopes

SCOPES

Resources

Get Started 2

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

GettingStarted

GettingStarted

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 3

MCP servers, agent skills, and machine-readable catalogs

AgentSkill

AgentSkill

LLMsTxt

LLMsTxt

WellKnown

WellKnown

Design & Contract 5

Pagination, idempotency, versioning, errors, and events

Spectral

JSONLD

Vocabulary

DataModel

Conformance

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Access & Security 7

Authentication, authorization, and security posture

Compliance

Authentication

SecurityTxt

Security

OAuthScopes

TrustCenter

DomainSecurity

Scroll for all 7

Operate 2

Status, limits, changes, and where to get help

StatusPage

StatusPage

Support

Support

Company 1

The organization behind the API

Website

Website

Other 1

Properties that don't map to a standard resource type

Hosts

Hosts

Source (apis.yml)

aid: banksapi
name: fineconomy
image: https://banksapi.de/wp-content/themes/banksapi/img/social/og-default-de.jpg
description: 'BANKSapi verbindet Ihre Anwendung per API mit über 3.000 Banken: Kontodaten, SEPA-Zahlungen, Pay by Bank und
  Datenanalysen – PSD2-Lizenz inklusive. Das Unternehmen bietet umfassende Banking‑APIs für Kontoinformationen, Zahlungsinitiierung,
  Datenanalyse und Frontend‑Integration, unterstützt von einer PSD2‑Lizenz und richtet sich an Entwickler, FinTech‑Startups
  und etablierte Banken, die digitale Services skalieren wollen.'
url: https://raw.githubusercontent.com/api-evangelist/banksapi/refs/heads/main/apis.yml
x-type: company
x-source: harvest:g2-catalog
x-tier: profiled
x-tier-reason: enrichment pass 2026-10-20 (modular-v1; was harvest)
specificationVersion: '0.20'
created: '2026-10-20'
modified: '2026-10-20'
tags:
- Banking
- API
- FinTech
- Payments
- DataAnalytics
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Spectral
  url: rules/banksapi-rules.yml
- type: JSONLD
  url: json-ld/banksapi-context.jsonld
- type: Vocabulary
  url: vocabulary/banksapi-vocabulary.yml
- type: AgentSkill
  url: skills/_index.yml
- type: DataModel
  url: data-model/banksapi-data-model.yml
- type: Compliance
  url: https://banksapi.de/en/security/
- type: Authentication
  url: authentication/banksapi-authentication.yml
- type: Conformance
  url: conformance/banksapi-conformance.yml
- type: LLMsTxt
  url: llms/banksapi-llms.txt
- type: SecurityTxt
  url: well-known/banksapi-status-security.txt
- type: WellKnown
  url: well-known/banksapi-well-known.yml
- type: Hosts
  url: hosts/banksapi-hosts.yml
- type: StatusPage
  url: https://status.banksapi.de/
- type: Security
  url: https://banksapi.de/en/security/
- type: GitHubOrganization
  url: https://github.com/BANKSapi
- type: OAuthScopes
  url: scopes/banksapi-scopes.yml
- type: TrustCenter
  url: security/banksapi-trust-center.yml
- type: DomainSecurity
  url: security/banksapi-domain-security.yml
- type: Website
  url: https://banksapi.de/
- type: DeveloperPortal
  url: https://docs.banksapi.de/
- type: Documentation
  url: https://docs.banksapi.de/guide/
- type: APIReference
  url: https://docs.banksapi.de/api/
- type: GettingStarted
  url: https://docs.banksapi.de/guide/quickstart.html
- type: Support
  url: https://banksapi.de/testzugang/
apis:
- aid: banksapi:banksapi-api
  name: fineconomy API
  description: 'fineconomy API as documented publicly: 29 operations. Contract generated from the documentation by API Evangelist
    (2026-10-20); not the provider''s own document.'
  humanURL: https://docs.banksapi.de/api/ai-connect.html
  properties:
  - type: OpenAPI
    url: openapi/_ae-authored/banksapi-openapi-generated.yml
    x-provenance: generated
  - type: JSONSchema
    url: json-schema/banksapi-get-customer-v2-ai-disposable-money-returns-response-schema.json
  - type: JSONSchema
    url: json-schema/banksapi-get-customer-v2-ai-sales-triggers-returns-response-schema.json
  - type: JSONSchema
    url: json-schema/banksapi-get-customer-v2-ai-tagging-rules-playground-response-schema.json
  - type: JSONSchema
    url: json-schema/banksapi-put-customer-v2-bankzugaenge-accessid-productid-kontoumsaetze-trans-schema.json
  - type: JSONSchema
    url: json-schema/banksapi-put-customer-v2-bankzugaenge-accessid-productid-kontoumsaetze-trans2-schema.json
  - type: JSONSchema
    url: json-schema/banksapi-get-customer-v2-ai-affinities-hide-response-schema.json
x-enrichment:
  date: '2026-10-20'
  status: enriched
  artifacts_added: 26
  pass: modular-v1
  engine: identity=local,contract=local,surfaces=local,docs=local,regulatory=local

fineconomy API — frequently asked questions

Does fineconomy have an API?

Yes. APIs.io lists 1 API from fineconomy, including fineconomy API.

Is there an OpenAPI specification for the fineconomy API?

Yes. APIs.io indexes 1 OpenAPI specification for fineconomy, each linked for download from this page.

How do I authenticate with the fineconomy API?

fineconomy documents its authentication (1 scheme). The details are profiled on APIs.io as Banksapi Authentication.

Is the fineconomy API ready for AI agents?

fineconomy has a Kin Score of 35.3 out of 100 (thin) and an Agent Readiness score of 21.1 (agent-aware), scored by API Evangelist on 2026-10-31.

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