# Basiq

**Canonical:** https://apis.io/providers/basiq/  
**Website:** https://basiq.io/  
**APIs profiled:** 6

Basiq is an Australian open banking and financial data API platform providing unified access to bank account data and enrichment services. It enables fintechs, lenders, and financial service providers to connect to 180+ Australian and New Zealand banks via CDR (Consumer Data Right) and third-party connectors. The Basiq API provides user management, bank connections, account balances, transaction history, income verification, and expense categorization. Uses JWT Bearer token authentication.

## Kin Score — 33.9 / 100 (thin)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 33.9).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 65.0 |
| Governance | 25.0 |
| Contract Governance | 25.0 |
| Operational Transparency | 7.9 |
| Developer Ergonomics | 19.0 |
| Commercial Clarity | 15.8 |
| Access Clarity | 15.8 |

Regulatory layer — **Banking & Open Finance**: 21.5 (matched via tags).

## Agent readiness — 29.1 (agent-aware)

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

## Access

Freemium · Self-serve signup — onboarding: self-serve, pricing: freemium, trial: no (confidence: high).

## APIs (6)

- **Basiq Accounts API** — The Accounts API from Basiq — 2 operation(s) for accounts.
- **Basiq Affordability API** — The Affordability API from Basiq — 2 operation(s) for affordability.
- **Basiq Authentication API** — The Authentication API from Basiq — 1 operation(s) for authentication.
- **Basiq Connections API** — The Connections API from Basiq — 2 operation(s) for connections.
- **Basiq Transactions API** — The Transactions API from Basiq — 2 operation(s) for transactions.
- **Basiq Users API** — The Users API from Basiq — 2 operation(s) for users.

## Agentic access (1)

- **Basiq Agentic Access** — 14 operations · 5 acting

## Security (2)

- **Basiq Authentication** — http · 1 scheme
- **Basiq Domain Security** — TLSv1.3 · HSTS · DMARC

## Plans (1)

- **Basiq Plans Pricing**

## Use cases (6)

- **Lending and Credit Assessment** — Use income verification and expense data to assess creditworthiness and affordability.
- **Personal Finance Apps** — Aggregate bank accounts and transactions for budgeting and financial planning tools.
- **Mortgage Applications** — Automate bank statement verification and income confirmation for home loan applications.
- **BNPL Affordability** — Assess buy-now-pay-later affordability using real-time transaction and income data.
- **Financial Advisory** — Provide financial planners with complete client financial pictures across institutions.
- **Account Verification** — Verify bank account ownership for payment and identity verification workflows.

## Tags

Australia, Banking, CDR, Financial Data, Fintech, Open Banking, Transaction

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