# Blnk Finance

**Canonical:** https://apis.io/providers/blnkfinance/  
**Website:** https://docs.blnkfinance.com/  
**APIs profiled:** 10

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.

## Kin Score — 72.2 / 100 (exemplar)

Scored 2026-09-01 under rubric 0.17.2. Trend: flat (+0.0 from 72.2).

| Facet | Score |
|---|---|
| Discoverability | 72.2 |
| Contract Quality | 51.2 |
| Governance | 18.2 |
| Contract Governance | 18.2 |
| Operational Transparency | 65.8 |
| Developer Ergonomics | 85.7 |
| Commercial Clarity | 92.1 |
| Access Clarity | 92.1 |

Regulatory layer — **Payments**: 71.9 (matched via tags).

## Agent readiness — 48.8 (agent-native)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | documented |
| Auth Clarity | served |
| Idempotency | documented |
| Error Semantics | documented |
| OpenAPI Examples | verified |
| Rate Limit Signal | documented |
| Event Surface Described | yes |
| Agent Skills | yes |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |
| Delegated Identity | served |
| Protected Resource Metadata | no |
| Dynamic Client Registration | no |
| Agentic Commerce | no |

## APIs (10)

- **Blnk Cloud API** — 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.
- **Blnk Watch API** — Rule-based transaction monitoring API (transaction evaluation, instruction management, Git-backed rule sync). Beta.
- **Blnk Finance Accounts API** — The Accounts API from Blnk Finance — 2 operation(s) for accounts.
- **Blnk Finance Backup API** — The Backup API from Blnk Finance — 2 operation(s) for backup.
- **Blnk Finance Balance Monitors API** — The Balance Monitors API from Blnk Finance — 2 operation(s) for balance monitors.
- **Blnk Finance Balances API** — The Balances API from Blnk Finance — 2 operation(s) for balances.
- **Blnk Finance Identities API** — The Identities API from Blnk Finance — 2 operation(s) for identities.
- **Blnk Finance Ledgers API** — The Ledgers API from Blnk Finance — 2 operation(s) for ledgers.
- **Blnk Finance Refund Transaction API** — The Refund Transaction API from Blnk Finance — 1 operation(s) for refund transaction.
- **Blnk Finance Transactions API** — The Transactions API from Blnk Finance — 2 operation(s) for transactions.

## MCP servers (2)

- **Blnk Finance MCP Server** — 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 2...
- **Blnk Finance MCP Server** — Cloud ledger MCP: https://api.cloud.blnkfinance.com/mcp/{instance_id}, 33 tools, Bearer + mcp:read/mcp:write.

## Security (4)

- **Blnkfinance Authentication** — apiKey/http/oauth2 · 0 schemes
- **Blnkfinance Domain Security** — TLSv1.3 · HSTS · DMARC
- **Blnkfinance Vulnerability Disclosure** — disclosure policy published
- **Blnkfinance Trust Center** — ISO/IEC 27001, GDPR, SOC 2, PCI DSS, HIPAA

## Plans (1)

- **Blnkfinance Plans Pricing**

## Tags

Fintech, Financial-Services, Ledger, double-entry-accounting, Payments, Wallets, Lending, Banking Infrastructure, Open-Source, MCP, AI Agents, Developer Tools

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