Open-source double-entry ledger for financial products (wallets, loans, payouts, escrow, cards). Available as self-hosted Blnk Core (OSS engine) and Blnk Cloud (managed), plus Blnk Watch for transaction monitoring. Exposes REST APIs with a public OpenAPI spec, hosted MCP servers, llms.txt, and installable agent skills.
Blnk Finance publishes 10 API contracts indexed on the APIs.io network, including Accounts API, Backup API, Balance Monitors API, and 7 more. Tagged areas include Fintech, Financial Services, Ledger, Double-Entry, and Payments.
The Blnk Finance catalog on APIs.io includes 1 event-driven AsyncAPI specification.
Blnk Finance’s developer surface includes authentication, documentation, API reference, getting-started guide, support, engineering blog, pricing, and 37 more developer resources.
The questions people put to an LLM, and the jobs they hand an agent, that Blnk Finance's APIs answer — each one linked to the operation that does it.
Generated by API Evangelist
Regulatory Posture applies to this provider. Its tags matched the
Payments 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/.
Show this score on your site.
It updates itself when the score changes. Paste this where you link to your API docs:
<a href="https://apis.io/providers/blnkfinance/"><img src="https://apis.io/badge/blnkfinance/card.svg" alt="Blnk Finance on APIs.io — Kin Score by API Evangelist"></a>
Other styles, a README pill and a shields.io endpoint are on the badge page.
Raise your score.
Agent readiness — checks not met, largest first (exact, from this profile):
Documented Reversibility+6 pts — a reversal operation in the contract, graded up when a window is documented too
Agentic Commerce Well-Known Document+5 pts — a parsing /.well-known/ucp.json or acp.json declaring a version and at least one service — `self` when its endpoints are on the provider's own domain, `platform` when they are on a vendor's
Protected Resource Metadata+5 pts — a served /.well-known/oauth-protected-resource carrying `resource` (documented), and naming its authorization_servers (verified)
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.
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.
Managed Cloud REST surface covering OAuth auth, a Proxy API to a Core instance, Data API, Filters API, Alerts API, and the MCP endpoint. Auth via API keys or OAuth.
Overlays applied on top of this provider's contracts. Each card says who wrote it: a document the provider publishes, or one API Evangelist derived or generated.
name: Blnk Finance
aid: blnkfinance
description: Open-source double-entry ledger for financial products (wallets, loans, payouts, escrow, cards). Available as
self-hosted Blnk Core (OSS engine) and Blnk Cloud (managed), plus Blnk Watch for transaction monitoring. Exposes REST APIs
with a public OpenAPI spec, hosted MCP servers, llms.txt, and installable agent skills.
url: https://raw.githubusercontent.com/api-evangelist/open-source-ledger-for-financial-products-blnk-finance/refs/heads/main/apis.yml
deliveryModel:
model: saas
open_source: false
commercial: true
callable_host: false
label: Hosted service · you call their endpoint
confidence: medium
source:
- pricing
generated: '2026-08-28'
method: derived
accessModel:
pricing: freemium
onboarding: self-serve
trial: false
try_now: true
public: false
label: Freemium · Self-serve signup
confidence: high
source:
- plans
- authentication
- scopes
- rate-limits
- security
- sandbox
generated: '2026-09-02'
method: derived
created: '2026-08-26'
modified: '2026-08-27'
specificationVersion: '0.21'
x-docs-platform: mintlify
x-docs-platform-confidence: medium
x-docs-platform-checked: 2026-09-20
x-docs-hosting: vercel
tags:
- Fintech
- Financial Services
- Ledger
- Double-Entry
- Payments
- Wallets
- Lending
- Banking Infrastructure
- Open Source
- MCP
- AI Agents
- Developer Tools
- A2A
tags_raw:
- fintech
- financial-services
- ledger
- double-entry-accounting
- payments
- wallets
- lending
- banking-infrastructure
- open-source
- mcp
- ai-agents
- developer-tools
- Financial-Services
- Open-Source
- A2A
apis:
- name: Blnk Cloud API
description: Managed Cloud REST surface covering OAuth auth, a Proxy API to a Core instance, Data API, Filters API, Alerts
API, and the MCP endpoint. Auth via API keys or OAuth.
humanURL: https://docs.blnkfinance.com/cloud/reference/overview.md
baseURL: https://api.cloud.blnkfinance.com
tags:
- Fintech
- Financial Services
- Ledger
- Double-Entry
- Payments
- Wallets
- Lending
- Banking Infrastructure
- Open Source
- MCP
- AI Agents
- Developer Tools
tags_raw:
- fintech
- financial-services
- ledger
- double-entry-accounting
- payments
- wallets
- lending
- banking-infrastructure
- open-source
- mcp
- ai-agents
- developer-tools
- Financial-Services
- Open-Source
properties:
- type: Documentation
url: https://docs.blnkfinance.com/cloud/reference/overview.md
- type: MCPServer
url: https://docs.blnkfinance.com/mcp
description: 'Open, no-auth Mintlify DOCUMENTATION-SEARCH MCP on a first-party host. Probed live 2026-08-27: initialize
+ tools/list returned 200, serverInfo "Blnk Finance", protocolVersion 2025-11-25, 3 tools. It is NOT the ledger MCP
-- that is https://api.cloud.blnkfinance.com/mcp/{instance_id}.'
- type: LLMsTxt
url: https://blnkfinance.com/llms.txt
- type: LLMsTxt
url: https://docs.blnkfinance.com/llms.txt
- type: AgentSkill
url: https://docs.blnkfinance.com/home/llms.md
description: 'Blnk''s "Build with LLMs" page: documents installing the 14 provider-authored Agent Skills via "npx skills
add https://docs.blnkfinance.com". Verified 200 on 2026-08-27.'
- type: APIReference
url: https://docs.blnkfinance.com/cloud/reference/overview
- type: MCPServer
url: mcp/blnkfinance-mcp.yml
description: 'Cloud ledger MCP: https://api.cloud.blnkfinance.com/mcp/{instance_id}, 33 tools, Bearer + mcp:read/mcp:write.'
- type: ToolCrosswalk
url: mcp/blnkfinance-tool-crosswalk.yml
- type: OAuthScopes
url: scopes/blnkfinance-scopes.yml
- type: AgentSkill
url: skills/_index.yml
- name: Blnk Watch API
description: Rule-based transaction monitoring API (transaction evaluation, instruction management, Git-backed rule sync).
Beta.
humanURL: https://docs.blnkfinance.com/watch/reference/overview.md
baseURL: https://api.cloud.blnkfinance.com
tags:
- Fintech
- Financial Services
- Ledger
- Double-Entry
- Payments
- Wallets
- Lending
- Banking Infrastructure
- Open Source
- MCP
- AI Agents
- Developer Tools
tags_raw:
- fintech
- financial-services
- ledger
- double-entry-accounting
- payments
- wallets
- lending
- banking-infrastructure
- open-source
- mcp
- ai-agents
- developer-tools
- Financial-Services
- Open-Source
properties:
- type: Documentation
url: https://docs.blnkfinance.com/watch/reference/overview.md
- type: APIReference
url: https://docs.blnkfinance.com/watch/reference/overview
- aid: blnkfinance:blnkfinance-accounts-api
name: Blnk Finance Accounts API
description: The Accounts API from Blnk Finance — 2 operation(s) for accounts.
humanURL: https://docs.blnkfinance.com/reference/overview.md
baseURL: http://localhost:5001
tags:
- Account
tags_raw:
- Accounts
properties:
- type: OpenAPI
url: openapi/blnkfinance-accounts-api-openapi.yml
- type: Documentation
url: https://docs.blnkfinance.com/reference/overview.md
- type: LLMsTxt
url: https://blnkfinance.com/llms.txt
- type: LLMsTxt
url: https://docs.blnkfinance.com/llms.txt
- type: APIReference
url: https://docs.blnkfinance.com/reference/overview
- type: DataModel
url: data-model/blnkfinance-data-model.yml
- type: Webhooks
url: asyncapi/blnkfinance-webhooks.yml
- type: ErrorCatalog
url: errors/blnkfinance-error-codes.yml
- aid: blnkfinance:blnkfinance-backup-api
name: Blnk Finance Backup API
description: The Backup API from Blnk Finance — 2 operation(s) for backup.
humanURL: https://docs.blnkfinance.com/reference/overview.md
baseURL: http://localhost:5001
tags:
- Backup
properties:
- type: OpenAPI
url: openapi/blnkfinance-backup-api-openapi.yml
- type: Documentation
url: https://docs.blnkfinance.com/reference/overview.md
- type: LLMsTxt
url: https://blnkfinance.com/llms.txt
- type: LLMsTxt
url: https://docs.blnkfinance.com/llms.txt
- type: APIReference
url: https://docs.blnkfinance.com/reference/overview
- type: DataModel
url: data-model/blnkfinance-data-model.yml
- type: Webhooks
url: asyncapi/blnkfinance-webhooks.yml
- type: ErrorCatalog
url: errors/blnkfinance-error-codes.yml
- aid: blnkfinance:blnkfinance-balance-monitors-api
name: Blnk Finance Balance Monitors API
description: The Balance Monitors API from Blnk Finance — 2 operation(s) for balance monitors.
humanURL: https://docs.blnkfinance.com/reference/overview.md
baseURL: http://localhost:5001
tags:
- Balance Monitors
properties:
- type: OpenAPI
url: openapi/blnkfinance-balance-monitors-api-openapi.yml
- type: Documentation
url: https://docs.blnkfinance.com/reference/overview.md
- type: LLMsTxt
url: https://blnkfinance.com/llms.txt
- type: LLMsTxt
url: https://docs.blnkfinance.com/llms.txt
- type: APIReference
url: https://docs.blnkfinance.com/reference/overview
- type: DataModel
url: data-model/blnkfinance-data-model.yml
- type: Webhooks
url: asyncapi/blnkfinance-webhooks.yml
- type: ErrorCatalog
url: errors/blnkfinance-error-codes.yml
- aid: blnkfinance:blnkfinance-balances-api
name: Blnk Finance Balances API
description: The Balances API from Blnk Finance — 2 operation(s) for balances.
humanURL: https://docs.blnkfinance.com/reference/overview.md
baseURL: http://localhost:5001
tags:
- Balances
properties:
- type: OpenAPI
url: openapi/blnkfinance-balances-api-openapi.yml
- type: Documentation
url: https://docs.blnkfinance.com/reference/overview.md
- type: LLMsTxt
url: https://blnkfinance.com/llms.txt
- type: LLMsTxt
url: https://docs.blnkfinance.com/llms.txt
- type: APIReference
url: https://docs.blnkfinance.com/reference/overview
- type: DataModel
url: data-model/blnkfinance-data-model.yml
- type: Webhooks
url: asyncapi/blnkfinance-webhooks.yml
- type: ErrorCatalog
url: errors/blnkfinance-error-codes.yml
- aid: blnkfinance:blnkfinance-identities-api
name: Blnk Finance Identities API
description: The Identities API from Blnk Finance — 2 operation(s) for identities.
humanURL: https://docs.blnkfinance.com/reference/overview.md
baseURL: http://localhost:5001
tags:
- Identities
properties:
- type: OpenAPI
url: openapi/blnkfinance-identities-api-openapi.yml
- type: Documentation
url: https://docs.blnkfinance.com/reference/overview.md
- type: LLMsTxt
url: https://blnkfinance.com/llms.txt
- type: LLMsTxt
url: https://docs.blnkfinance.com/llms.txt
- type: APIReference
url: https://docs.blnkfinance.com/reference/overview
- type: DataModel
url: data-model/blnkfinance-data-model.yml
- type: Webhooks
url: asyncapi/blnkfinance-webhooks.yml
- type: ErrorCatalog
url: errors/blnkfinance-error-codes.yml
- aid: blnkfinance:blnkfinance-ledgers-api
name: Blnk Finance Ledgers API
description: The Ledgers API from Blnk Finance — 2 operation(s) for ledgers.
humanURL: https://docs.blnkfinance.com/reference/overview.md
baseURL: http://localhost:5001
tags:
- Ledgers
properties:
- type: OpenAPI
url: openapi/blnkfinance-ledgers-api-openapi.yml
- type: Documentation
url: https://docs.blnkfinance.com/reference/overview.md
- type: LLMsTxt
url: https://blnkfinance.com/llms.txt
- type: LLMsTxt
url: https://docs.blnkfinance.com/llms.txt
- type: APIReference
url: https://docs.blnkfinance.com/reference/overview
- type: DataModel
url: data-model/blnkfinance-data-model.yml
- type: Webhooks
url: asyncapi/blnkfinance-webhooks.yml
- type: ErrorCatalog
url: errors/blnkfinance-error-codes.yml
- aid: blnkfinance:blnkfinance-refund-transaction-api
name: Blnk Finance Refund Transaction API
description: The Refund Transaction API from Blnk Finance — 1 operation(s) for refund transaction.
humanURL: https://docs.blnkfinance.com/reference/overview.md
baseURL: http://localhost:5001
tags:
- Refund Transaction
properties:
- type: OpenAPI
url: openapi/blnkfinance-refund-transaction-api-openapi.yml
- type: Documentation
url: https://docs.blnkfinance.com/reference/overview.md
- type: LLMsTxt
url: https://blnkfinance.com/llms.txt
- type: LLMsTxt
url: https://docs.blnkfinance.com/llms.txt
- type: APIReference
url: https://docs.blnkfinance.com/reference/overview
- type: DataModel
url: data-model/blnkfinance-data-model.yml
- type: Webhooks
url: asyncapi/blnkfinance-webhooks.yml
- type: ErrorCatalog
url: errors/blnkfinance-error-codes.yml
- aid: blnkfinance:blnkfinance-transactions-api
name: Blnk Finance Transactions API
description: The Transactions API from Blnk Finance — 2 operation(s) for transactions.
humanURL: https://docs.blnkfinance.com/reference/overview.md
baseURL: http://localhost:5001
tags:
- Transaction
tags_raw:
- Transactions
properties:
- type: OpenAPI
url: openapi/blnkfinance-transactions-api-openapi.yml
- type: Documentation
url: https://docs.blnkfinance.com/reference/overview.md
- type: LLMsTxt
url: https://blnkfinance.com/llms.txt
- type: LLMsTxt
url: https://docs.blnkfinance.com/llms.txt
- type: APIReference
url: https://docs.blnkfinance.com/reference/overview
- type: DataModel
url: data-model/blnkfinance-data-model.yml
- type: Webhooks
url: asyncapi/blnkfinance-webhooks.yml
- type: ErrorCatalog
url: errors/blnkfinance-error-codes.yml
maintainers:
- FN: Blnk Finance
url: https://blnkfinance.com
email: support@blnkfinance.com
generated:
by: apis.io/add
model: claude-opus-4-8
confidence: 95
at: '2026-08-26T22:58:17.366Z'
common:
- type: CapabilityMap
url: capabilities/blnkfinance-capability-edges.yml
name: Blnk Finance Business Capability Map
- type: Website
url: https://www.blnkfinance.com/
- type: DomainSecurity
url: security/blnkfinance-domain-security.yml
- type: Authentication
url: authentication/blnkfinance-authentication.yml
- type: DeveloperPortal
url: https://docs.blnkfinance.com/
description: Blnk developer documentation hub. Verified 200 on 2026-08-27.
- type: Documentation
url: https://docs.blnkfinance.com/
description: Verified 200 on 2026-08-27.
- type: APIReference
url: https://docs.blnkfinance.com/reference/overview
description: Blnk Core REST reference. Verified 200 on 2026-08-27.
- type: GettingStarted
url: https://docs.blnkfinance.com/home/install
description: Install Blnk Core (Docker Compose) or start a Cloud Sandbox. Verified 200 on 2026-08-27.
- type: Support
url: https://blnkfinance.com/contact/us
description: Contact / book a demo; support@blnkfinance.com and Discord https://discord.gg/7WNv94zPpx. Verified 200 on 2026-08-27.
- type: Blog
url: https://blnkfinance.com/blog
description: Verified 200 on 2026-08-27. No RSS/Atom feed served (/rss.xml and /feed.xml both 404).
- type: GitHubOrganization
url: https://github.com/blnkfinance
description: '9 public repos: blnk (Core), watch, blnk-docs, and the four SDKs. Verified 200 on 2026-08-27.'
- type: Pricing
url: https://blnkfinance.com/pricing
description: Verified 200 on 2026-08-27.
- type: SignUp
url: https://cloud.blnkfinance.com/auth/sign-up
description: Blnk Cloud sign-up, 5-day Sandbox trial. Verified 200 on 2026-08-27.
- type: TermsOfService
url: https://blnkfinance.com/legal/terms
description: Verified 200 on 2026-08-27.
- type: PrivacyPolicy
url: https://blnkfinance.com/legal/privacy
description: Verified 200 on 2026-08-27.
- type: StatusPage
url: https://status.blnkfinance.com/
description: Atlassian Statuspage, all components operational. Verified 200 on 2026-08-27.
- type: Packages
url: packages/blnkfinance-packages.yml
- type: SDKs
url: packages/blnkfinance-packages.yml
description: Four first-party SDKs -- TypeScript, Go, Python, Java -- all at 1.3.0.
- type: CLI
url: cli/blnkfinance-cli.yml
description: '@blnkfinance/blnk-cli 1.8.3, npm.'
- type: WellKnown
url: well-known/blnkfinance-well-known.yml
description: 'Real hits: RFC 8414 OAuth metadata + openid-configuration on api.cloud.blnkfinance.com, and an MCP discovery
document on docs.blnkfinance.com.'
- type: AgentCard
url: a2a/blnkfinance-a2a.yml
description: Live A2A agent card at docs.blnkfinance.com/.well-known/agent-card.json (HTTP 200, 14 skills). Graded flavored
against A2A 1.0.0.
- type: AgentSkill
url: skills/_index.yml
description: 14 provider-authored Agent Skills, saved verbatim from /.well-known/agent-skills/<id>/skill.md.
- type: LLMsTxt
url: llms/blnkfinance-llms.txt
description: Verbatim copy of https://blnkfinance.com/llms.txt.
- type: Overlay
url: overlays/blnkfinance-core-overlay.yaml
- type: Conformance
url: conformance/blnkfinance-conformance.yml
- type: Compliance
url: conformance/blnkfinance-conformance.yml
description: ISO/IEC 27001 certified ISMS and GDPR compliance, published at https://blnkfinance.com/security.
- type: ErrorCatalog
url: errors/blnkfinance-error-codes.yml
description: 72 stable domain-prefixed error codes from https://docs.blnkfinance.com/advanced/error-codes.
- type: Lifecycle
url: lifecycle/blnkfinance-lifecycle.yml
- type: Deprecation
url: lifecycle/blnkfinance-lifecycle.yml
description: Per-release migration guides for every breaking change plus a published upgrade policy. No RFC 8594 Sunset/Deprecation
headers.
- type: OAuthScopes
url: scopes/blnkfinance-scopes.yml
description: resource:action API key scopes plus the Cloud OAuth mcp:read / mcp:write scopes.
- type: VulnerabilityDisclosure
url: security/blnkfinance-vulnerability-disclosure.yml
- type: Security
url: security/blnkfinance-vulnerability-disclosure.yml
description: Coordinated disclosure to security@blnkfinance.com, CVSS 4.0+ threshold, scoped program at https://blnkfinance.com/report-vulnerability.
- type: TrustCenter
url: security/blnkfinance-trust-center.yml
- type: Sandbox
url: sandbox/blnkfinance-sandbox.yml
description: Free local Core via Docker Compose, plus a paid managed Cloud Sandbox with a 5-day trial.
- type: Conventions
url: conventions/blnkfinance-conventions.yml
- type: Idempotency
url: conventions/blnkfinance-conventions.yml
description: Caller-supplied transaction `reference` with a unique database index since Core 0.13.2; duplicates rejected
409 TXN_DUPLICATE_REFERENCE.
- type: ChangeLog
url: changelog/blnkfinance-changelog.yml
description: Six dated changelogs -- Core, Cloud, Watch, CLI and four SDKs.
- type: DataModel
url: data-model/blnkfinance-data-model.yml
- type: Webhooks
url: asyncapi/blnkfinance-webhooks.yml
description: 15 documented events, HMAC-SHA256 signed with X-Blnk-Signature since Core 0.13.0. No AsyncAPI document published.
- type: Plans
url: plans/blnkfinance-plans-pricing.yml
- type: RateLimits
url: rate-limits/blnkfinance-rate-limits.yml
- type: MCPServer
url: mcp/blnkfinance-mcp.yml
description: 'Two servers: the Cloud ledger MCP (33 tools, remote, OAuth/API-key gated) and the open docs-search MCP (3
tools, probed live).'
- type: ToolCrosswalk
url: mcp/blnkfinance-tool-crosswalk.yml
description: 33 MCP tools bound against the 18 published OpenAPI operations; 12 bound, 21 MCP-only, 8 REST-only.
- type: Contact
url: mailto:sales@blnkfinance.com
image: https://blnkfinance.com/_astro/og-default.4FpZOtzr.png
x-enrichment:
date: '2026-08-27'
status: enriched
artifacts_added: 45
pass: local-v1
x-a2a:
verified: true
probed: '2026-09-26'
url: https://docs.blnkfinance.com/.well-known/agent-card.json
grade: conformant
protocol_version: '0.3'
control: 404
Blnk Finance API — frequently asked questions
Does Blnk Finance have an API?
Yes. APIs.io lists 10 APIs from Blnk Finance, including Blnk Cloud API, Blnk Watch API and Blnk Finance Accounts API, and 7 more.
Is there an OpenAPI specification for the Blnk Finance API?
Yes. APIs.io indexes 8 OpenAPI specifications for Blnk Finance, each linked for download from this page.
How do I authenticate with the Blnk Finance API?
Blnk Finance documents its authentication (apiKey/http/oauth2 · 0 schemes). The details are profiled on APIs.io as Blnkfinance Authentication.
How much does the Blnk Finance API cost?
APIs.io lists 8 pricing plans for Blnk Finance, with each plan's price, limits and inclusions under Pricing Plans on this page.
Does Blnk Finance have an MCP server?
Yes. APIs.io lists 1 MCP server for Blnk Finance: Open, no-auth Mintlify DOCUMENTATION-SEARCH MCP on a first-party host. Probed live 2026-08-27: initialize + tools/list returned 200, serverInfo "Blnk Finance", protocolVersion 2025-11-25, 3 tools. It
Is the Blnk Finance API ready for AI agents?
Blnk Finance has a Kin Score of 71.4 out of 100 (exemplar) and an Agent Readiness score of 51.3 (agent-native), scored by API Evangelist on 2026-10-31.
Discovery needs no key. Ratings and market analysis are Pro.
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It updates itself when the score changes. Paste this where you link to your API docs: