Bond

aid: bond
name: Bond
kind: company
description: Bond Financial Technologies is an enterprise-grade banking-as-a-service (BaaS) and embedded finance platform
  that lets software companies and fintechs embed financial products directly into their applications through a single REST
  API. The platform covers consumer and commercial deposit accounts, credit-builder and secured charge cards, debit and virtual
  card issuing and management, money movement (ACH and account-to-account transfers, external-account linking via Plaid),
  a transaction ledger, statements, identity verification (KYC, KYB, and beneficial-owner verification powered by Persona),
  webhook event subscriptions, and a full sandbox with simulation endpoints for authorizations, settlements, and KYC/KYB scenarios.
  Bond exposes API-key authenticated endpoints under api.bond.tech with pre-integrated bank partnerships. Bond was acquired
  by FIS in June 2023; its developer documentation remains live at docs.bond.tech. Surfaced originally as a portfolio company
  of Canaan Partners and enriched here from Bond's public developer documentation.
url: https://raw.githubusercontent.com/api-evangelist/bond/refs/heads/main/apis.yml
accessModel:
  pricing: unknown
  onboarding: sales-led
  trial: true
  try_now: false
  public: false
  label: Sales-led · Sandbox available
  confidence: medium
  source:
  - authentication
  - documentation
  generated: '2026-07-23'
  method: derived
image: https://cdn.prod.website-files.com/5ede8b305ed324245dbaf418/60f9b479c42dd4be9f152c3e_Frame%2018.png
x-source: vc-portfolio
x-backed-by:
- canaan-partners
specificationVersion: '0.19'
created: '2026-07-17'
modified: '2026-07-23'
tags:
- Company
- United States
- Banking as a Service
- Embedded Finance
- Fintech
- Payments
- Card Issuing
- Deposit Accounts
- Money Movement
- ACH
- KYC
- KYB
- Credit
- Open Finance
apis:
- aid: bond:bond-customers-kyc-api
  name: Bond Customers & KYC API
  description: Create, retrieve, update, and delete individual consumer customer resources for a brand and run Know-Your-Customer
    (KYC) identity verification against them. Endpoints start and retrieve KYC status, resume Persona inquiries with fresh
    session tokens, and manage customer addresses. This is the identity foundation every downstream account, card, and transfer
    flow builds on in Bond's United States banking-as-a-service platform.
  humanURL: https://docs.bond.tech/reference/get_customers
  baseURL: https://api.bond.tech/api/v0.1/
  tags:
  - United States
  - Customers
  - Identity Verification
  - KYC
  - Onboarding
  - Banking as a Service
  properties:
  - type: APIReference
    url: https://docs.bond.tech/reference/get_customers
  - type: Documentation
    url: https://docs.bond.tech/docs/customer-onboarding
  - type: Authentication
    url: authentication/bond-authentication.yml
- aid: bond:bond-businesses-kyb-api
  name: Bond Businesses & KYB API
  description: Manage commercial customer entities for embedded business banking — create and update businesses, business
    addresses, and beneficial owners with their addresses, then run Know-Your-Business (KYB) and beneficial-owner KYC verification
    (v1 and v2 KYB, plus resume flows). Supports the full commercial onboarding and compliance path required to open business
    deposit and card accounts in the United States.
  humanURL: https://docs.bond.tech/reference/get_businesses
  baseURL: https://api.bond.tech/api/v0.1/
  tags:
  - United States
  - Businesses
  - KYB
  - Beneficial Owners
  - Compliance
  - Commercial Banking
  properties:
  - type: APIReference
    url: https://docs.bond.tech/reference/get_businesses
  - type: Documentation
    url: https://docs.bond.tech/docs/business-onboarding-overview
- aid: bond:bond-cards-api
  name: Bond Cards API
  description: Issue and manage physical, virtual, debit, secured charge, and credit-builder cards. Create cards and card
    accounts, retrieve and update card details, reissue and activate physical cards, close cards, and set and manage card
    restrictions such as maximum transaction amounts. A companion card-management web SDK handles PCI-scoped rendering of
    card numbers and PIN set/reset without the sensitive data touching your servers.
  humanURL: https://docs.bond.tech/reference/get_cards
  baseURL: https://api.bond.tech/api/v0.1/
  tags:
  - United States
  - Cards
  - Card Issuing
  - Virtual Cards
  - PCI
  - Embedded Finance
  properties:
  - type: APIReference
    url: https://docs.bond.tech/reference/get_cards
  - type: Documentation
    url: https://docs.bond.tech/docs/manage-card
  - type: SDK
    url: https://docs.bond.tech/docs/web-sdk-documentation
- aid: bond:bond-accounts-statements-api
  name: Bond Accounts & Statements API
  description: Open and manage consumer and commercial deposit accounts, credit accounts, and security-deposit accounts, with
    documented account types, account states, and account lifecycle management. Generate and retrieve deposit-account and
    credit-account statements for customers. These flows sit on top of Bond's pre-integrated partner-bank relationships and
    back the consumer and commercial banking products brands build in the United States.
  humanURL: https://docs.bond.tech/docs/account-overview
  baseURL: https://api.bond.tech/api/v0.1/
  tags:
  - United States
  - Accounts
  - Deposit Accounts
  - Statements
  - Banking as a Service
  - Commercial Banking
  properties:
  - type: Documentation
    url: https://docs.bond.tech/docs/account-overview
  - type: Documentation
    url: https://docs.bond.tech/docs/statements-1
- aid: bond:bond-transfers-api
  name: Bond Transfers API
  description: Move money between accounts with ACH transfers and account-to-account fund transfers, and link and manage external
    bank accounts using Plaid before initiating transfers. Documents the ACH transfer model, funding of security-deposit accounts,
    external-account linking and removal, and the complete set of ACH return codes brands must handle in the United States
    payments environment.
  humanURL: https://docs.bond.tech/docs/account-transfers
  baseURL: https://api.bond.tech/api/v0.1/
  tags:
  - United States
  - Transfers
  - Money Movement
  - ACH
  - Plaid
  - Payments
  properties:
  - type: Documentation
    url: https://docs.bond.tech/docs/account-transfers
  - type: Documentation
    url: https://docs.bond.tech/docs/ach-transfers
  - type: DeclineCodes
    url: errors/bond-ach-return-codes.yml
- aid: bond:bond-ledger-transactions-api
  name: Bond Ledger (Transactions) API
  description: Retrieve all transactions available to a brand with pagination and optional filtering, and fetch details for
    a single transaction by id. Documents the transaction lifecycle and states, payment types, transaction types, response
    payload references, and MCC (merchant category) codes so brands can present accurate, real-time ledger and spend data
    to their United States banking customers.
  humanURL: https://docs.bond.tech/reference/get_transactions
  baseURL: https://api.bond.tech/api/v0.1/
  tags:
  - United States
  - Transactions
  - Ledger
  - Payments
  - Reporting
  - Embedded Finance
  properties:
  - type: APIReference
    url: https://docs.bond.tech/reference/get_transactions
  - type: Documentation
    url: https://docs.bond.tech/docs/transactions-overview
- aid: bond:bond-credit-api
  name: Bond Credit API
  description: Open and service credit accounts for credit-builder and secured charge card programs — submit credit applications,
    surface credit-account data to customers, handle instant funding for credit-builder cards, and manage adverse-action notices
    required under United States fair-lending regulation. Documented as a distinct product area alongside Bond's deposit and
    card offerings within the embedded-finance platform.
  humanURL: https://docs.bond.tech/docs/opening-a-credit-account
  baseURL: https://api.bond.tech/api/v0.1/
  tags:
  - United States
  - Credit
  - Credit Builder
  - Secured Cards
  - Lending
  - Compliance
  properties:
  - type: Documentation
    url: https://docs.bond.tech/docs/opening-a-credit-account
  - type: Documentation
    url: https://docs.bond.tech/docs/credit-builder-card-overview
- aid: bond:bond-webhooks-api
  name: Bond Webhooks API
  description: Subscribe to and manage webhook event notifications so applications react in real time to KYC/KYB status changes,
    card events, transactions, and account activity. Create, retrieve, update, and delete webhook subscriptions, choose the
    events you receive, verify inbound request signatures, and test delivery in the sandbox. This is the event backbone for
    Bond's asynchronous banking workflows in the United States.
  humanURL: https://docs.bond.tech/reference/get_webhooks
  baseURL: https://api.bond.tech/api/v0.1/
  tags:
  - United States
  - Webhooks
  - Events
  - Notifications
  - Real Time
  - Integration
  properties:
  - type: APIReference
    url: https://docs.bond.tech/reference/get_webhooks
  - type: Documentation
    url: https://docs.bond.tech/docs/webhook
  - type: Webhooks
    url: asyncapi/bond-webhooks.yml
- aid: bond:bond-simulation-api
  name: Bond Simulation (Sandbox) API
  description: Sandbox-only endpoints for deterministically testing banking flows before going live — simulate a card transaction
    authorization, simulate transaction settlement, and force KYC pass or fail outcomes, plus documented triggers for KYC
    and KYB scenarios such as document-request and rejection paths. Lets United States fintech developers exercise the full
    lifecycle without touching real money or real identity providers.
  humanURL: https://docs.bond.tech/reference/post_authorization
  baseURL: https://sandbox.bond.tech/api/v0.1/
  tags:
  - United States
  - Sandbox
  - Simulation
  - Testing
  - Developer Experience
  - Banking as a Service
  properties:
  - type: APIReference
    url: https://docs.bond.tech/reference/post_authorization
  - type: Documentation
    url: https://docs.bond.tech/docs/sandbox-vs-production
  - type: Sandbox
    url: sandbox/bond-sandbox.yml
common:
- type: TrustCenter
  url: security/bond-trust-center.yml
- type: Compliance
  url: https://www.bond.tech/security
- type: Website
  url: https://www.bond.tech
- type: DeveloperPortal
  url: https://portal.bond.tech
- type: Login
  url: https://portal.bond.tech
- type: Documentation
  url: https://docs.bond.tech/docs
- type: APIReference
  url: https://docs.bond.tech/reference/intro
- type: GettingStarted
  url: https://docs.bond.tech/docs/overview
- type: GitHubOrganization
  url: https://github.com/bond-tech
- type: LinkedIn
  url: https://www.linkedin.com/company/bondfintech
- type: Blog
  url: https://www.bond.tech/blog
- type: Support
  url: https://www.bond.tech/contact
- type: TermsOfService
  url: https://bond.tech/terms
- type: PrivacyPolicy
  url: https://bond.tech/privacy
- type: Postman
  url: https://www.postman.com/bond-technologies/workspace/bond-api
- type: LLMsTxt
  url: https://docs.bond.tech/llms.txt
- type: DomainSecurity
  url: security/bond-domain-security.yml
- type: Authentication
  url: authentication/bond-authentication.yml
- type: ChangeLog
  url: changelog/bond-changelog.yml
- type: ErrorCatalog
  url: errors/bond-error-codes.yml
- type: DeclineCodes
  url: errors/bond-ach-return-codes.yml
- type: Conventions
  url: conventions/bond-conventions.yml
- type: Lifecycle
  url: lifecycle/bond-lifecycle.yml
- type: Sandbox
  url: sandbox/bond-sandbox.yml
- type: Webhooks
  url: asyncapi/bond-webhooks.yml
- type: Components
  url: components/bond-components.yml
- type: DataModel
  url: data-model/bond-data-model.yml
- type: Conformance
  url: conformance/bond-conformance.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
x-enrichment:
  date: '2026-07-23'
  status: deepened
  pass: local-v2
  note: Expanded from a single stub API entry to nine real documented API product families harvested from docs.bond.tech;
    verified live developer portal and API reference; no single downloadable OpenAPI (ReadMe HTML reference + public Postman
    workspace only).