# Bud Financial **Canonical:** https://apis.io/providers/bud-co/ **Website:** https://bud.co **APIs profiled:** 32 Bud Financial (formerly Bud, thisisbud.com) is a UK-based fintech infrastructure company providing AI-driven Open Banking aggregation, transaction enrichment, categorization, affordability assessment, and payment initiation APIs. The Bud platform unifies Open Banking connections to UK and EU ASPSPs behind a single REST API and layers AI/ML-powered enrichment, categorization, merchant identification, affordability scoring, income/expenditure analysis, and actionable financial insights on top of raw transaction data. Banks, lenders, and consumer fintechs use Bud for KYC/AML checks, lending decisions, money management, and embedded payments. ## Kin Score — 43.0 / 100 (developing) Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 43.0). | Facet | Score | |---|---| | Discoverability | 81.5 | | Contract Quality | 67.1 | | Governance | 9.8 | | Contract Governance | 9.8 | | Operational Transparency | 5.3 | | Developer Ergonomics | 28.6 | | Commercial Clarity | 39.5 | | Access Clarity | 39.5 | Regulatory layer — **Banking & Open Finance**: 48.1 (matched via tags). ## Agent readiness — 57.7 (agent-native) | Dimension | Value | |---|---| | Spec Presence | yes | | Agentic Access | derived | | Reversibility Documented | no | | MCP Server | no | | Auth Clarity | yes | | Idempotency | verified | | Error Semantics | verified | | OpenAPI Examples | verified | | Rate Limit Signal | verified | | Event Surface Described | yes | | Agent Skills | no | | Well Known Catalog | no | | Consent Identity | no | | Agent Card | no | | Dry Run Mode | no | ## Access Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: high). ## APIs (32) - **Bud Financial Aggregation Buckets API** — Manage virtual "buckets" for grouping and aggregating transactions by their underlying categories. Use this for retrieving financial data for customers of the Assess Dashboard (... - **Bud Financial Correct Financial Data API** — Manipulate Transactions held on the Bud platform by finding similar transactions and submitting corrections. - **Bud Financial Create a Connection API** — Create a new connection to an Open Banking provider by using either: (i) Bud's configurable frontend UI (__Bud Connect__), built to maximise conversion; or (ii) Bud's individual... - **Bud Financial Custom Insights API** — Understand and target messaging to your customers more effectively by defining your own custom insights. - **Bud Financial Customer Application Links API** — Create a link for a customer to follow, which will allow them to connect their bank accounts and submit their financial data for the application. - **Bud Financial Customer Applications API** — Create, retrieve and manage financial applications for customers using the Assess product. Applications created on this platform can be viewed using the Assess Dashboard to obse... - **Bud Financial Debt Collection Finder API** — Find information regarding your customer's debts. - **Bud Financial Enrichment Resources API** — Obtain greater context to Bud's enrichment services. - **Bud Financial Enrichment Totals API** — Breakdown your customer's income and expenditure based on Bud's enrichments to help orientate their financial world. - **Bud Financial Frontend Widgets API** — A collection of frontend widgets representing customer financial data. - **Bud Financial Income Finder API** — Find information regarding your customer's income. - **Bud Financial Ingest First Party Data API** — Initiate the asynchronous process of pushing a customer's account information (i.e. first party data) onto the Bud platform. These asynchronous requests create a task to store t... - **Bud Financial Initiate Payment - Bud license API** — Authenticates and securely creates a new payment from a customer’s chosen account(s) using Bud's regulatory licence as a [Third Party Provider (TPP)](https://www.openbanking.org... - **Bud Financial Initiate Payment - Client license API** — Authenticates and securely creates a new payment from a customer’s chosen account(s) using your organisation's regulatory permission as a Payment Initiation Service Provider (PI... - **Bud Financial Loan Finder API** — Find information regarding your customer's loans. - **Bud Financial Manage a Connection API** — Different endpoints that allow to to manage an existing customer connection. This includes the ability to: (i) Refresh the data associated with a given connection, pulling in th... - **Bud Financial Manage Customers API** — Manage the number of customers registered onto the Bud platform. - **Bud Financial Manage Financial Data API** — Manipulate Transactions held on the Bud platform by removing data, submitting corrections, or adding tags through different rulesets. - **Bud Financial Manage Payments API** — Manage payments to initiated through Bud's Payments API - **Bud Financial OAuth2 API** — Retrieve and manage access and refresh tokens to authenticate to the Bud platform via OAuth2 protocol. - **Bud Financial Product Finder API** — Find information regarding your customer's financial products. - **Bud Financial Regular Payments Finder API** — Find information relating to any regularity found across certain groups of transactions within your customer's accounts. - **Bud Financial Retrieve Actionable Insights API** — Retrieve a customer's actionable insights generated from their financial data. - **Bud Financial Retrieve Affordability Report API** — Breakdown your customer's transactions by fixed/flexible spend and discretionary vs non discretionary high-level totals. - **Bud Financial Retrieve Affordability Report V2 API** — Breakdown your customer's transactions by fixed/flexible spend and discretionary vs non discretionary high-level totals. Retrieve Affordability Report V2 endpoints are designed ... - **Bud Financial Retrieve Affordability Risk Insights API** — Retrieve a customer's report insights generated from their financial data. In contrast to the alert style actionable insights, these insights should be used more as a summary. - **Bud Financial Retrieve Customer Characteristics API** — Retrieve Characteristics associated with an individual Customer based on their financial data. - **Bud Financial Retrieve Financial Data API** — Retrieve a customer's financial data from a range of sources. - **Bud Financial Savings Goals V2 API** — Savings goals management API V2. - **Bud Financial Spending Budgets API** — Spending budgets management API. - **Bud Financial Subscription Finder API** — Find information regarding your customer's subscriptions. - **Bud Financial Transaction Search API** — Allows customers to search & ask questions about their financial transactions. ## Agentic access (1) - **Bud Co Agentic Access** — 153 operations · 66 acting · 1 human-in-the-loop ## Security (2) - **Bud Co Authentication** — http/oauth2 · 2 schemes - **Bud Co Domain Security** — TLSv1.3 · HSTS · DMARC ## Plans (1) - **Bud Co Plans Pricing** ## Tags Open Banking, Transaction Enrichment, Categorization, Affordability, Payments, AISP, PISP, Financial Data, Fintech, UK, Artificial Intelligence, Machine-Learning --- Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/bud-co/). Scores are computed from the provider's own public artifacts under a published rubric.