Buxfer

Buxfer is a personal finance and money management platform that consolidates bank, investment and retirement accounts in one place. It connects to 20,000+ banks across 70+ countries, tracks assets in 100+ currencies, and provides budgeting with real-time alerts, expense forecasting, net-worth projection, automatic transaction tagging with custom rules, investment and retirement planning, shared-expense groups, and encrypted cloud backups to Dropbox, Google Drive or OneDrive. Buxfer exposes a JSON HTTP API for reading accounts, transactions, tags, budgets, reminders, groups, contacts and loans, and for creating, editing and deleting transactions and uploading statements. Authentication uses a login call that returns an ephemeral token passed on every subsequent request. Buxfer is a Y Combinator company.

Buxfer publishes 5 API contracts indexed on the APIs.io network, including Accounts API, Authentication API, Organization API, and 2 more. Tagged areas include Company, Personal Finance, Money Management, Budgeting, and Banking.

The Buxfer catalog on APIs.io includes 1 Spectral governance ruleset.

Buxfer’s developer surface includes documentation, API reference, support, engineering blog, pricing, signup flow, authentication, and 19 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

34.2/100 thin ▬ flat Agent 24/100 agent aware 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 →

1 published contract 3 Agent Skills

Company Personal Finance Money Management Budgeting Banking Fintech Financial Data Transaction Investment Expense Tracking

Kin Score

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

Composite quality — 34.2/100 · thin

Contract Quality 2.5 / 19

Developer Ergonomics 7.1 / 15

Access Clarity 9.1 / 15

Operational Transparency 0.0 / 10

Contract Governance 1.6 / 9

Discoverability 5.5 / 8

Regulatory Posture 3.5 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 24/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 5 / 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 applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% 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):

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
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)
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Rate-Limit Signaling +7 pts — OpenAPI responses document X-RateLimit-* / RateLimit headers (verified), else a rate_limits artifact or RateLimits link (documented)
Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link

9 more unmet checks in the Agent Readiness table above.

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

Contract Quality scores 13.5 — up to +21.6 composite points
Operational Transparency scores 0.0 — up to +13.0 composite points
Developer Ergonomics scores 47.0 — up to +10.6 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/buxfer/apis.yml: open an issue on github.com/api-evangelist/buxfer 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 →

Standards implemented 1

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

OpenAPI

measured — observed by APIs.io (published)

APIs 5

Individual APIs this provider publishes, each with its own machine-readable definition.

Buxfer Accounts API

List accounts and balances.

Buxfer Authentication API

Obtain an ephemeral API token.

Buxfer Organization API

Tags, budgets, reminders.

Buxfer Social API

Groups, contacts and loans for shared expenses.

Buxfer Transactions API

Create, edit, delete, list and import transactions.

Open Collections 5

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

Buxfer Accounts API

OPEN COLLECTION

Buxfer Accounts Authentication API

OPEN COLLECTION

Buxfer Accounts Organization API

OPEN COLLECTION

Buxfer Accounts Social API

OPEN COLLECTION

Buxfer Accounts Transactions API

OPEN COLLECTION

Agent Skills 3

Packaged agent skills for driving this provider's APIs from an AI assistant.

Import a bank statement into Buxfer

AGENT SKILL

Record an expense in Buxfer

AGENT SKILL

Review Buxfer budgets and recent spending

AGENT SKILL

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Buxfer API Rules

63 rules · 61 errors 1 warnings 1 info

SPECTRAL

OpenAPI Overlays 1

Overlays applied on top of this provider's contracts. Each card says who wrote it: a document the provider publishes, or one API Evangelist derived or generated.

Buxfer Openapi Overlay

3 actions · update · buxfer-openapi.yml

DERIVED

Security Posture 3

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

Buxfer Authentication

apiKey · 1 scheme

SECURITY

Buxfer Domain Security

TLSv1.2 · HSTS

SECURITY

Buxfer Trust Center

ISO 27001, PCI DSS

SECURITY

Resources

Get Started 3

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

SignUp

SignUp

Login

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

WellKnown

WellKnown

X-MCPServerCandidate

X-MCPServerCandidate

LLMsTxt

LLMsTxt

AgentSkill

AgentSkill

Design & Contract 5

Pagination, idempotency, versioning, errors, and events

Conventions

DataModel

ErrorCatalog

Conformance

Lifecycle

Access & Security 4

Authentication, authorization, and security posture

TrustCenter

Compliance

Authentication

DomainSecurity

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 3

Pricing, plans, and the legal terms of use

Pricing

Pricing

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 3

The organization behind the API

BlogRSS

BlogRSS

Website

Website

Blog

Blog

Other 1

Properties that don't map to a standard resource type

Overlay

Overlay

Source (apis.yml)

aid: buxfer
name: Buxfer
description: Buxfer is a personal finance and money management platform that consolidates bank, investment and retirement
  accounts in one place. It connects to 20,000+ banks across 70+ countries, tracks assets in 100+ currencies, and provides
  budgeting with real-time alerts, expense forecasting, net-worth projection, automatic transaction tagging with custom rules,
  investment and retirement planning, shared-expense groups, and encrypted cloud backups to Dropbox, Google Drive or OneDrive.
  Buxfer exposes a JSON HTTP API for reading accounts, transactions, tags, budgets, reminders, groups, contacts and loans,
  and for creating, editing and deleting transactions and uploading statements. Authentication uses a login call that returns
  an ephemeral token passed on every subsequent request. Buxfer is a Y Combinator company.
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - authentication
  - security
  generated: '2026-11-06'
  method: derived
image: https://www.buxfer.com/favicon.ico
url: https://raw.githubusercontent.com/api-evangelist/buxfer/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- y-combinator
x-tier: profiled
x-tier-reason: portfolio-lead-enriched
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-10-06'
tags:
- Company
- Personal Finance
- Money Management
- Budgeting
- Banking
- Fintech
- Financial Data
- Transaction
- Investment
- Expense Tracking
tags_raw:
- Company
- Personal Finance
- Money Management
- Budgeting
- Banking
- Fintech
- Financial Data
- Transactions
- Investments
- Expense Tracking
apis:
- aid: buxfer:buxfer-accounts-api
  name: Buxfer Accounts API
  description: List accounts and balances.
  humanURL: https://www.buxfer.com/help/api
  baseURL: https://www.buxfer.com/api
  tags:
  - Account
  tags_raw:
  - Accounts
  properties:
  - type: OpenAPI
    url: openapi/buxfer-accounts-api-openapi.yml
  - type: Authentication
    url: authentication/buxfer-authentication.yml
  - type: Conventions
    url: conventions/buxfer-conventions.yml
  - type: ErrorCatalog
    url: errors/buxfer-problem-types.yml
  - type: DataModel
    url: data-model/buxfer-data-model.yml
  - type: Conformance
    url: conformance/buxfer-conformance.yml
  - type: Lifecycle
    url: lifecycle/buxfer-lifecycle.yml
- aid: buxfer:buxfer-authentication-api
  name: Buxfer Authentication API
  description: Obtain an ephemeral API token.
  humanURL: https://www.buxfer.com/help/api
  baseURL: https://www.buxfer.com/api
  tags:
  - Authentication
  properties:
  - type: OpenAPI
    url: openapi/buxfer-authentication-api-openapi.yml
  - type: Authentication
    url: authentication/buxfer-authentication.yml
  - type: Conventions
    url: conventions/buxfer-conventions.yml
  - type: ErrorCatalog
    url: errors/buxfer-problem-types.yml
  - type: DataModel
    url: data-model/buxfer-data-model.yml
  - type: Conformance
    url: conformance/buxfer-conformance.yml
  - type: Lifecycle
    url: lifecycle/buxfer-lifecycle.yml
- aid: buxfer:buxfer-organization-api
  name: Buxfer Organization API
  description: Tags, budgets, reminders.
  humanURL: https://www.buxfer.com/help/api
  baseURL: https://www.buxfer.com/api
  tags:
  - Organization
  properties:
  - type: OpenAPI
    url: openapi/buxfer-organization-api-openapi.yml
  - type: Authentication
    url: authentication/buxfer-authentication.yml
  - type: Conventions
    url: conventions/buxfer-conventions.yml
  - type: ErrorCatalog
    url: errors/buxfer-problem-types.yml
  - type: DataModel
    url: data-model/buxfer-data-model.yml
  - type: Conformance
    url: conformance/buxfer-conformance.yml
  - type: Lifecycle
    url: lifecycle/buxfer-lifecycle.yml
- aid: buxfer:buxfer-social-api
  name: Buxfer Social API
  description: Groups, contacts and loans for shared expenses.
  humanURL: https://www.buxfer.com/help/api
  baseURL: https://www.buxfer.com/api
  tags:
  - Social
  properties:
  - type: OpenAPI
    url: openapi/buxfer-social-api-openapi.yml
  - type: Authentication
    url: authentication/buxfer-authentication.yml
  - type: Conventions
    url: conventions/buxfer-conventions.yml
  - type: ErrorCatalog
    url: errors/buxfer-problem-types.yml
  - type: DataModel
    url: data-model/buxfer-data-model.yml
  - type: Conformance
    url: conformance/buxfer-conformance.yml
  - type: Lifecycle
    url: lifecycle/buxfer-lifecycle.yml
- aid: buxfer:buxfer-transactions-api
  name: Buxfer Transactions API
  description: Create, edit, delete, list and import transactions.
  humanURL: https://www.buxfer.com/help/api
  baseURL: https://www.buxfer.com/api
  tags:
  - Transaction
  tags_raw:
  - Transactions
  properties:
  - type: OpenAPI
    url: openapi/buxfer-transactions-api-openapi.yml
  - type: Authentication
    url: authentication/buxfer-authentication.yml
  - type: Conventions
    url: conventions/buxfer-conventions.yml
  - type: ErrorCatalog
    url: errors/buxfer-problem-types.yml
  - type: DataModel
    url: data-model/buxfer-data-model.yml
  - type: Conformance
    url: conformance/buxfer-conformance.yml
  - type: Lifecycle
    url: lifecycle/buxfer-lifecycle.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- url: https://blog.buxfer.com/feed/
  type: BlogRSS
- type: Website
  url: https://www.buxfer.com/
- type: Overlay
  url: overlays/buxfer-openapi-overlay.yaml
- type: TrustCenter
  url: security/buxfer-trust-center.yml
- type: Compliance
  url: https://www.buxfer.com/help/security
- type: WellKnown
  url: well-known/buxfer-well-known.yml
- type: DeveloperPortal
  url: https://www.buxfer.com/help/api
- type: Documentation
  url: https://www.buxfer.com/help/api
- type: APIReference
  url: https://www.buxfer.com/help/api
- type: Support
  url: https://www.buxfer.com/help/
- type: Blog
  url: https://blog.buxfer.com
- type: Pricing
  url: https://www.buxfer.com/pricing/
- type: SignUp
  url: https://www.buxfer.com/signup/
- type: Login
  url: https://www.buxfer.com/login/
- type: TermsOfService
  url: https://www.buxfer.com/terms/
- type: PrivacyPolicy
  url: https://www.buxfer.com/privacy/
- type: Authentication
  url: authentication/buxfer-authentication.yml
- type: Conventions
  url: conventions/buxfer-conventions.yml
- type: DataModel
  url: data-model/buxfer-data-model.yml
- type: ErrorCatalog
  url: errors/buxfer-problem-types.yml
- type: Conformance
  url: conformance/buxfer-conformance.yml
- type: Lifecycle
  url: lifecycle/buxfer-lifecycle.yml
- type: X-MCPServerCandidate
  url: mcp/buxfer-mcp.yml
  note: 'Renamed from MCPServer 2026-09-03 (roadmap#247): the manifest self-describes as status: candidate — a tool list derived
    from the published API contracts, not an existing server. The scorer already read the manifest and reported mcp_server
    correctly; the MCPServer type was crediting the artifact-type surfaces with a server that does not exist.'
- type: LLMsTxt
  url: llms/buxfer-llms.txt
- type: AgentSkill
  url: skills/_index.yml
- type: DomainSecurity
  url: security/buxfer-domain-security.yml
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence

Buxfer API — frequently asked questions

Does Buxfer have an API?

Yes. APIs.io lists 5 APIs from Buxfer, including Buxfer Accounts API, Buxfer Authentication API and Buxfer Organization API, and 2 more.

Is there an OpenAPI specification for the Buxfer API?

Yes. APIs.io indexes 5 OpenAPI specifications for Buxfer, each linked for download from this page.

How do I authenticate with the Buxfer API?

Buxfer uses bearer-token authentication (apiKey · 1 scheme). The details are profiled on APIs.io as Buxfer Authentication.

Is the Buxfer API ready for AI agents?

Buxfer has a Kin Score of 34.2 out of 100 (thin) and an Agent Readiness score of 23.8 (agent-aware), scored by API Evangelist on 2026-11-06.

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