# Bond

**Canonical:** https://apis.io/providers/bond/  
**Website:** https://www.bond.tech  
**APIs profiled:** 9

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.

## Kin Score — 50.0 / 100 (developing)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 50.0).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 45.1 |
| Governance | 18.2 |
| Contract Governance | 18.2 |
| Operational Transparency | 26.3 |
| Developer Ergonomics | 54.8 |
| Commercial Clarity | 50.0 |
| Access Clarity | 50.0 |

Regulatory layer — **Payments**: 59.4 (matched via tags).

## Agent readiness — 32.5 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | documented |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | yes |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Sales-led · Sandbox available — onboarding: unknown, pricing: unknown, trial: yes (confidence: medium).

## APIs (9)

- **Bond Customers & KYC API** — 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 ...
- **Bond Businesses & KYB API** — Manage commercial customer entities for embedded business banking — create and update businesses, business addresses, and beneficial owners with their addresses, then run Know-Y...
- **Bond Cards API** — 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 physi...
- **Bond Accounts & Statements API** — Open and manage consumer and commercial deposit accounts, credit accounts, and security-deposit accounts, with documented account types, account states, and account lifecycle ma...
- **Bond Transfers API** — 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. Documen...
- **Bond Ledger (Transactions) API** — 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 ...
- **Bond Credit API** — Open and service credit accounts for credit-builder and secured charge card programs — submit credit applications, surface credit-account data to customers, handle instant fundi...
- **Bond Webhooks API** — 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, retrie...
- **Bond Simulation (Sandbox) API** — Sandbox-only endpoints for deterministically testing banking flows before going live — simulate a card transaction authorization, simulate transaction settlement, and force KYC ...

## Security (3)

- **Bond Authentication** — apiKey · 2 schemes
- **Bond Domain Security** — TLSv1.3 · HSTS
- **Bond Trust Center** — SOC 2, PCI DSS

## Tags

Company, United States, Banking as a Service, Embedded Finance, Fintech, Payments, Card Issuing, Deposit Accounts, Money Movement, ACH, KYC, KYB, Credit, Open Finance

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