# Banyan Systems

**Canonical:** https://apis.io/providers/banyan-systems/  
**Website:** https://developers.banyan.com/docs  
**APIs profiled:** 1

Banyan is a privacy-first, item-level receipt data infrastructure platform that acts as middleware between merchants, banks, fintechs, and merchant service providers so they can securely share and enrich transaction data without bilateral contracts. Merchants send receipt and item detail to Banyan (via REST API or batch), and financial institutions submit card transactions to be matched and enriched with SKU-level line items, powering products like card-linked offers (CLO), expense management, and receipt display inside banking apps. Banyan has processed over 21 billion receipts across a network of 40,000+ merchant stores and 5,000+ financial institutions. Founded in 2013, backed by Battery Ventures, Fin Capital, M13, TTV Capital and others, and acquired by Bilt Rewards in March 2025. The public developer platform at developers.banyan.com exposes an OAuth2 REST API (api.banyan.com/rest/v1) plus a webhook egress surface for enriched transactions and offer redemptions.

## Kin Score — 34.0 / 100 (thin)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 34.0).

| Facet | Score |
|---|---|
| Discoverability | 87.0 |
| Contract Quality | 45.1 |
| Governance | 18.2 |
| Contract Governance | 18.2 |
| Operational Transparency | 15.8 |
| Developer Ergonomics | 38.1 |
| Commercial Clarity | 10.5 |
| Access Clarity | 10.5 |

Regulatory layer — **Payments**: 32.8 (matched via tags).

## Agent readiness — 32.5 (agent-aware)

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

## Access

Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: medium).

## APIs (1)

- **Banyan API** — Banyan's OAuth2 REST API for submitting receipt and transaction data, retrieving enriched (item-level) transactions, managing card-linked-offer campaigns/offers/activations, rec...

## MCP servers (1)

- **Banyan Systems MCP Server**

## Security (2)

- **Banyan Systems Authentication** — oauth2 · 1 scheme
- **Banyan Systems Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC

## Tags

Company, Receipt Data, Transaction Enrichment, Item-Level Data, Card-Linked Offers, Fintech, Payments, Data Collaboration, Webhook

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