Binkey

Binkey enables loyalty programs to seamlessly add FSA and HSA claims filing to the customer experience, allowing merchants to accept pre‑tax health benefit payments directly at checkout. Founded in 2022, the fintech provides an API‑enabled payment platform that automates eligibility verification and claim processing, improving the intersection of healthcare financing and e‑commerce.

Binkey is listed with 1 API on the APIs.io network. Tagged areas include Fintech, Payments, Healthcare, and Loyalty.

Binkey’s developer surface includes documentation, engineering blog, and 10 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

17.1/100 emerging ▬ flat Agent 0/100 human only Full breakdown ↓
scored 2026-10-23 · rubric v0.25.0 · Show this score on your site →

1 API

Fintech Payments Healthcare Loyalty

Kin Score

Kin Score How this is scored →
scored 2026-10-23 · rubric v0.25.0

Composite quality — 17.1/100 · emerging

Contract Quality 0.0 / 21

Developer Ergonomics 2.0 / 17

Access Clarity 3.6 / 17

Operational Transparency 2.9 / 11

Contract Governance 1.9 / 10

Discoverability 3.8 / 9

Regulatory Posture 2.2 / 15

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

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

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 3 / 3

Regulatory Posture applies to this provider. Its tags matched the Health 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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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 github.com/api-evangelist/binkey: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
MACH & Headless Commerce	undeclared	-	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

APIs 1

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

Binkey API

API documentation for Binkey's payment platform, enabling FSA/HSA claim filing at checkout.

Security Posture 1

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

Binkey Domain Security

TLSv1.3

SECURITY

Resources

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

WellKnown

WellKnown

Design & Contract 1

Pagination, idempotency, versioning, errors, and events

Conformance

Conformance

Access & Security 2

Authentication, authorization, and security posture

SecurityTxt

SecurityTxt

DomainSecurity

DomainSecurity

Operate 1

Status, limits, changes, and where to get help

StatusPage

StatusPage

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 2

The organization behind the API

Website

Website

Blog

Blog

Other 2

Properties that don't map to a standard resource type

Hosts

Hosts

Vendors

Vendors

Source (apis.yml)

aid: binkey
name: Binkey
description: Binkey enables loyalty programs to seamlessly add FSA and HSA claims filing to the customer experience, allowing
  merchants to accept pre‑tax health benefit payments directly at checkout. Founded in 2022, the fintech provides an API‑enabled
  payment platform that automates eligibility verification and claim processing, improving the intersection of healthcare
  financing and e‑commerce.
url: https://raw.githubusercontent.com/api-evangelist/binkey/refs/heads/main/apis.yml
x-type: company
x-source: harvest:secondary-market
x-tier: profiled
x-tier-reason: enrichment pass 2026-09-28 (modular-v1; was harvest)
specificationVersion: '0.20'
created: '2026-09-28'
modified: '2026-09-28'
tags:
- Fintech
- Payments
- Healthcare
- Loyalty
tags_raw:
- Fintech
- Payments
- Healthcare
- API
- Loyalty
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Conformance
  url: conformance/binkey-conformance.yml
- type: SecurityTxt
  url: well-known/binkey-status-security.txt
- type: WellKnown
  url: well-known/binkey-well-known.yml
- type: Hosts
  url: hosts/binkey-hosts.yml
- type: Vendors
  url: vendors/binkey-vendors.yml
- type: TermsOfService
  url: https://www.binkey.com/terms-of-service.html
- type: StatusPage
  url: https://status.binkey.com/
- type: PrivacyPolicy
  url: https://www.binkey.com/privacy-policy.html
- type: DomainSecurity
  url: security/binkey-domain-security.yml
- type: Website
  url: https://www.binkey.com
- type: Documentation
  url: https://www.binkey.com/api-documentation.html
- type: Blog
  url: https://www.binkey.com/blog/
apis:
- name: Binkey API
  description: API documentation for Binkey's payment platform, enabling FSA/HSA claim filing at checkout.
  humanURL: https://www.binkey.com/api-documentation.html
  aid: binkey:binkey-api
x-coverage:
  state: gated
  reason: partner-login
  detail: Docs endpoint redirects to a login page requiring partner credentials.
  evidence:
  - url: https://docs.binkey.com/openapi.json
    status: 302
  checked: '2026-09-28'
x-enrichment:
  date: '2026-09-28'
  status: enriched
  artifacts_added: 8
  pass: modular-v1
  engine: identity=local,contract=local,surfaces=local,docs=local,regulatory=local

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