Bluevine

Bluevine is a small business banking and lending platform offering business checking accounts, lines of credit, bill pay, invoicing, and cash flow management tools for United States small and medium businesses. Bluevine does not publish a first-party public developer API or developer portal; external programmatic connectivity is delivered through the Plaid open-banking aggregator (with Finicity/Mastercard coverage also reported) and through native app integrations to QuickBooks Online, Xero, Wave, Expensify, Stripe, Square, Gusto, Cash App, and Venmo. Deposits are FDIC-insured up to $3 million through a sweep network, with revolving credit up to $250,000 issued by Celtic Bank.

Bluevine is profiled on the APIs.io network. Tagged areas include Business Banking, Small Business, Fintech, Line of Credit, and Bill Pay.

The Bluevine catalog on APIs.io includes 1 JSON-LD context.

Bluevine’s developer surface includes getting-started guide, documentation, support, engineering blog, pricing, signup flow, and 15 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

19.2/100 emerging ▬ flat Agent 3/100 human only Front door AI 1/6 silent Heartbeat 100/100 alive saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

AccessPaid

0 APIs

Business Banking Small Business FintechLine of CreditBill Pay Invoicing Cash FlowBusiness CheckingOpen Banking Lending United States Aggregator Access

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 19.2/100 · emerging

Contract Quality 1.4 / 21

Developer Ergonomics 4.9 / 17

Access Clarity 6.0 / 17

Operational Transparency 0.3 / 11

Contract Governance 0.0 / 10

Discoverability 4.8 / 9

Regulatory Posture 1.8 / 15

Agent readiness — 3/100 · 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 7 / 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

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Banking & Open Finance 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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Agent readiness — checks not met, largest first (exact, from this profile):

Machine-Readable Contract +18 pts — api_specs includes an OpenAPI document
MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
Machine-Readable Auth +10 pts — a served openid-configuration/oauth-authorization-server carrying `issuer` (served), else the securitySchemes class in the provider OpenAPIs — bound (mutualTLS, DPoP, Signature) > negotiable (oauth2 authorizationCode/clientCredentials, openIdConnect) > bearer (http bearer, apiKey)
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes

12 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Contract Quality scores 6.7 — up to +23.3 composite points
Developer Ergonomics scores 28.6 — up to +14.3 composite points
Access Clarity scores 35.5 — up to +12.9 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

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 the provider profile at artifacts.apis.io/bluevine/apis.yml: open an issue on github.com/api-evangelist/bluevine to ask a question or point us at an artifact you publish. 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
Consumer Lending Licensing (UK, US, Canada credit licence registers)	builds-on	17.2 (thin)	-	-

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.

Bluevine API pricing

Not yet checked against Bluevine's own pricing page. Compiled by API Evangelist on 2026-06-13; confirm before you rely on a figure.

Plan	Price
Standard	—
Plus	—
Premier	—

Plan details, limits and sources →

Pricing Plans 1

Published pricing tiers and plan structures.

Bluevine Plans Pricing

3 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Bluevine Rate Limits

0 limits

RATE LIMITS

FinOps 1

Cost, billing, and metering signals for API financial operations.

Bluevine Finops

FINOPS

Semantic Vocabularies 1

JSON-LD contexts and semantic vocabularies used across these APIs.

Bluevine Context

0 classes · 0 properties

JSON-LD

Security Posture 1

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

Bluevine Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Resources

Get Started 3

Portal, sign-up, and the first successful call

GettingStarted

GettingStarted

Signup

Signup

Login

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Operate 2

Status, limits, changes, and where to get help

Support

Support

RateLimits

RateLimits

Commercial 5

Pricing, plans, and the legal terms of use

Pricing

PrivacyPolicy

TermsOfService

Plans

FinOps

Company 4

The organization behind the API

Website

Website

Blog

Blog

Newsroom

Newsroom

LinkedIn

Other 3

Properties that don't map to a standard resource type

ProductPage

ProductPage

ProductPage

ProductPage

Source (apis.yml)

aid: bluevine
name: Bluevine
kind: company
description: Bluevine is a small business banking and lending platform offering business checking accounts, lines of credit,
  bill pay, invoicing, and cash flow management tools for United States small and medium businesses. Bluevine does not publish
  a first-party public developer API or developer portal; external programmatic connectivity is delivered through the Plaid
  open-banking aggregator (with Finicity/Mastercard coverage also reported) and through native app integrations to QuickBooks
  Online, Xero, Wave, Expensify, Stripe, Square, Gusto, Cash App, and Venmo. Deposits are FDIC-insured up to $3 million through
  a sweep network, with revolving credit up to $250,000 issued by Celtic Bank.
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: paid
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Paid
  confidence: low
  source:
  - plans
  - security
  generated: '2026-11-06'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/bluevine.png
url: https://raw.githubusercontent.com/api-evangelist/bluevine/refs/heads/main/apis.yml
created: '2026-06-13'
modified: '2026-07-25'
enriched: '2026-07-23'
specificationVersion: '0.23'
tags:
- Business Banking
- Small Business
- Fintech
- Line of Credit
- Bill Pay
- Invoicing
- Cash Flow
- Business Checking
- Open Banking
- Lending
- United States
- Aggregator Access
apis: []
common:
- type: GettingStarted
  url: https://www.bluevine.com/help-center/getting-started
- type: Website
  url: https://www.bluevine.com/
- type: Documentation
  url: https://www.bluevine.com/guides/
- type: Support
  url: https://support.bluevine.com/
- type: Blog
  url: https://www.bluevine.com/blog/
- type: Newsroom
  url: https://www.bluevine.com/newsroom
- type: Pricing
  url: https://www.bluevine.com/business-checking/
- type: PrivacyPolicy
  url: https://www.bluevine.com/privacy-policy
- type: TermsOfService
  url: https://app.bluevine.com/contracts/registrationterms
- type: Signup
  url: https://app.bluevine.com/signup/checking
- type: Login
  url: https://app.bluevine.com/login
- type: LLMsTxt
  url: https://raw.githubusercontent.com/api-evangelist/bluevine/refs/heads/main/llms/bluevine-llms.txt
- type: LinkedIn
  url: https://www.linkedin.com/company/bluevine
- type: X
  url: https://x.com/bluevine
- type: GitHubOrganization
  url: https://github.com/bluevine-dev
- type: DomainSecurity
  url: security/bluevine-domain-security.yml
- type: Plans
  url: https://raw.githubusercontent.com/api-evangelist/bluevine/refs/heads/main/plans/bluevine-plans-pricing.yml
- type: RateLimits
  url: https://raw.githubusercontent.com/api-evangelist/bluevine/refs/heads/main/rate-limits/bluevine-rate-limits.yml
- type: FinOps
  url: https://raw.githubusercontent.com/api-evangelist/bluevine/refs/heads/main/finops/bluevine-finops.yml
- type: ProductPage
  url: https://www.bluevine.com/line-of-credit/
- type: ProductPage
  url: https://www.bluevine.com/help-center/sending-payments/connecting-financial-apps
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

Bluevine API — frequently asked questions

How much does the Bluevine API cost?

APIs.io lists 3 pricing plans for Bluevine, with each plan's price, limits and inclusions under Pricing on this page.

Is the Bluevine API ready for AI agents?

Bluevine has a Kin Score of 19.2 out of 100 (emerging) and an Agent Readiness score of 2.5 (human-only), scored by API Evangelist on 2026-11-06.

Work with this as data

Every provider here is available over the APIs.io API and to AI agents over MCP.

MCP server

One button, every client — Claude, Cursor, VS Code and the rest.

https://apis.io/mcp

Tools for providers

9 MCP tools reach this

find_providersBrowse and filter every provider in the catalog.
get_provider_artifactsEvery artifact this provider publishes, grouped by type.
get_provider_operationsEvery operation across all of their OpenAPIs — one call instead of parsing every spec.
get_provider_toolsEvery MCP tool they ship, with the operation each wraps.
get_provider_evidenceHow each part of their score was established. Free — the basis for a claim should not sit behind it.
get_provider_ratingPRO — composite, band, trend and facet scores.
apis_io_searchSTART HERE — APIs, providers and tags for one query, each with its total.
resolveTurn a domain, URL or GitHub org into the provider it belongs to.
find_cohortsEvery scored population of providers in the catalog.

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Call it yourself

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This provider

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Every operation they expose

curl "https://apis.io/api/v1/providers/bluevine/operations?limit=25"

How their score was established

curl "https://apis.io/api/v1/providers/bluevine/evidence"

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