CertifID

CertifID is a wire fraud prevention, identity verification and funds protection platform for the real estate closing process, serving title agents, law firms, real estate agents, lenders and home buyers and sellers. Its products verify the identities of transaction participants, verify business and bank account ownership, securely share and confirm wiring instructions, order and verify mortgage payoffs, collect earnest money and cash-to-close payments, provide secure eSigning, and insure wires against fraud loss. CertifID exposes a public "CertifID V2 APIs" REST surface at api.certifid.com for third-party integrations, documented with a live OpenAPI 3.0.1 definition served from Swagger UI and secured with Auth0-backed OAuth 2.0.

CertifID publishes 15 APIs on the APIs.io network, including Account Verifications API, Bank Lookup API, Collect Request API, and 12 more. Tagged areas include Company, Wire Fraud Prevention, Real Estate, Title Insurance, and Identity Verification.

CertifID’s developer surface includes API reference, authentication, changelog, signup flow, support, engineering blog, and 22 more developer resources.

🌐 Visit website 📡 Source on GitHub
44.5/100 developing ▬ flat Agent 36/100 agent ready Full breakdown ↓
scored 2026-08-17 · rubric v0.11.0
15 APIs 1 MCP Servers
CompanyWire Fraud PreventionReal EstateTitle InsuranceIdentity VerificationBusiness VerificationPaymentsFraud PreventionEscrow and SettlementFinancial ServicesSecurity

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-08-17 · rubric v0.11.0
Composite quality — 44.5/100 · developing
Contract Quality 8.8 / 21
Developer Ergonomics 4.7 / 17
Commercial Clarity 8.5 / 17
Operational Transparency 4.1 / 11
Governance 2.1 / 10
Discoverability 6.9 / 9
Regulatory Posture 9.4 / 15
Agent readiness — 36/100 · agent ready
Machine-Readable Contract 18 / 18
Agentic Access Contract 0 / 10
MCP Server 12 / 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
Regulatory Posture applies to this provider. Its tags matched the Payments 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.
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/.
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/certifid: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 15

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

CertifID Account Verifications API

The AccountVerifications API from CertifID — 4 operation(s) for accountverifications.

CertifID Bank Lookup API

The BankLookup API from CertifID — 2 operation(s) for banklookup.

CertifID Collect Request API

The CollectRequest API from CertifID — 3 operation(s) for collectrequest.

CertifID Confirm Request API

The ConfirmRequest API from CertifID — 3 operation(s) for confirmrequest.

CertifID Disbursements API

The Disbursements API from CertifID — 10 operation(s) for disbursements.

CertifID Identity Request API

The IdentityRequest API from CertifID — 4 operation(s) for identityrequest.

CertifID Integration API

The Integration API from CertifID — 12 operation(s) for integration.

CertifID Lenders API

The Lenders API from CertifID — 2 operation(s) for lenders.

CertifID Location API

The Location API from CertifID — 2 operation(s) for location.

CertifID Payoff Ordering API

The PayoffOrdering API from CertifID — 6 operation(s) for payoffordering.

CertifID Send Request API

The SendRequest API from CertifID — 3 operation(s) for sendrequest.

CertifID Test API

The Test API from CertifID — 3 operation(s) for test.

CertifID Underwriter API

The Underwriter API from CertifID — 1 operation(s) for underwriter.

CertifID Users API

The Users API from CertifID — 1 operation(s) for users.

CertifID Wiring Instructions API

The WiringInstructions API from CertifID — 1 operation(s) for wiringinstructions.

Scroll for all 15

Open Collections 17

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

API Collection

OPEN COLLECTION

CertifID V2 Account Verifications API

OPEN COLLECTION

CertifID V2 Bank Lookup API

OPEN COLLECTION

CertifID V2 Collect Request API

OPEN COLLECTION

CertifID V2 Confirm Request API

OPEN COLLECTION

CertifID V2 Disbursements API

OPEN COLLECTION

CertifID V2 Identity Request API

OPEN COLLECTION

CertifID V2 Integration API

OPEN COLLECTION

CertifID V2 Lenders API

OPEN COLLECTION

CertifID V2 Location API

OPEN COLLECTION

CertifID V2 Payoff Ordering API

OPEN COLLECTION

CertifID V2 Send Request API

OPEN COLLECTION

CertifID V2 Test API

OPEN COLLECTION

CertifID V2 Underwriter API

OPEN COLLECTION

CertifID V2 Users API

OPEN COLLECTION

CertifID V2 APIs

OPEN COLLECTION

CertifID V2 Wiring Instructions API

OPEN COLLECTION

Scroll for all 17

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

certifid-mcp.yml

MCP SERVER

Security Posture 2

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

Certifid Authentication

oauth2 · 1 scheme

SECURITY

Certifid Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Certifid Scopes

12 scopes · authorizationCode

12 scopes

SCOPES

Resources

Get Started 2

Portal, sign-up, and the first successful call

Login
Login
 SignUp
SignUp

Documentation 2

Reference material describing how the API behaves

APIReference
APIReference
 OpenAPI
OpenAPI

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

MCPServer
MCPServer
 WellKnown
WellKnown
 AgentSkill
AgentSkill
 LLMsTxt
LLMsTxt

Design & Contract 5

Pagination, idempotency, versioning, errors, and events

ErrorCatalog
ErrorCatalog
 Conventions
Conventions
 DataModel
DataModel
 Conformance
Conformance
 Lifecycle
Lifecycle

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization
GitHubOrganization

Access & Security 5

Authentication, authorization, and security posture

Authentication
Authentication
 OAuthScopes
OAuthScopes
 DomainSecurity
DomainSecurity
 Compliance
Compliance
 TrustCenter
TrustCenter

Operate 3

Status, limits, changes, and where to get help

StatusPage
StatusPage
 ChangeLog
ChangeLog
 Support
Support

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService
TermsOfService
 PrivacyPolicy
PrivacyPolicy

Company 2

The organization behind the API

Website
Website
 Blog
Blog

Other 2

Properties that don't map to a standard resource type

OpenIDConnect
OpenIDConnect
 Overlay
Overlay

Source (apis.yml)

apis.yml Raw ↑ 
aid: certifid
name: CertifID
description: CertifID is a wire fraud prevention, identity verification and funds protection platform for the real estate
  closing process, serving title agents, law firms, real estate agents, lenders and home buyers and sellers. Its products
  verify the identities of transaction participants, verify business and bank account ownership, securely share and confirm
  wiring instructions, order and verify mortgage payoffs, collect earnest money and cash-to-close payments, provide secure
  eSigning, and insure wires against fraud loss. CertifID exposes a public "CertifID V2 APIs" REST surface at api.certifid.com
  for third-party integrations, documented with a live OpenAPI 3.0.1 definition served from Swagger UI and secured with Auth0-backed
  OAuth 2.0.
image: https://cdn.prod.website-files.com/60a41ae959fbb36bd6808d6e/688ce259fd22b6b6905c812d_thumbnail-homepage.png
url: https://raw.githubusercontent.com/api-evangelist/certifid/refs/heads/main/apis.yml
x-type: company
x-source: harvest:secondary-market
specificationVersion: '0.20'
created: '2026-08-09'
modified: '2026-08-09'
tags:
- Company
- Wire Fraud Prevention
- Real Estate
- Title Insurance
- Identity Verification
- Business Verification
- Payments
- Fraud Prevention
- Escrow and Settlement
- Financial Services
- Security
apis:
- aid: certifid:certifid-accountverifications-api
  name: CertifID Account Verifications API
  description: The AccountVerifications API from CertifID — 4 operation(s) for accountverifications.
  humanURL: https://api.certifid.com/swagger/index.html
  baseURL: https://api.certifid.com
  tags:
  - AccountVerifications
  properties:
  - type: OpenAPI
    url: openapi/certifid-accountverifications-api-openapi.yml
  - type: APIReference
    url: https://api.certifid.com/swagger/index.html
  - type: Authentication
    url: authentication/certifid-authentication.yml
  - type: OAuthScopes
    url: scopes/certifid-scopes.yml
  - type: ErrorCatalog
    url: errors/certifid-problem-types.yml
  - type: Conventions
    url: conventions/certifid-conventions.yml
  - type: DataModel
    url: data-model/certifid-data-model.yml
- aid: certifid:certifid-banklookup-api
  name: CertifID Bank Lookup API
  description: The BankLookup API from CertifID — 2 operation(s) for banklookup.
  humanURL: https://api.certifid.com/swagger/index.html
  baseURL: https://api.certifid.com
  tags:
  - BankLookup
  properties:
  - type: OpenAPI
    url: openapi/certifid-banklookup-api-openapi.yml
  - type: APIReference
    url: https://api.certifid.com/swagger/index.html
  - type: Authentication
    url: authentication/certifid-authentication.yml
  - type: OAuthScopes
    url: scopes/certifid-scopes.yml
  - type: ErrorCatalog
    url: errors/certifid-problem-types.yml
  - type: Conventions
    url: conventions/certifid-conventions.yml
  - type: DataModel
    url: data-model/certifid-data-model.yml
- aid: certifid:certifid-collectrequest-api
  name: CertifID Collect Request API
  description: The CollectRequest API from CertifID — 3 operation(s) for collectrequest.
  humanURL: https://api.certifid.com/swagger/index.html
  baseURL: https://api.certifid.com
  tags:
  - CollectRequest
  properties:
  - type: OpenAPI
    url: openapi/certifid-collectrequest-api-openapi.yml
  - type: APIReference
    url: https://api.certifid.com/swagger/index.html
  - type: Authentication
    url: authentication/certifid-authentication.yml
  - type: OAuthScopes
    url: scopes/certifid-scopes.yml
  - type: ErrorCatalog
    url: errors/certifid-problem-types.yml
  - type: Conventions
    url: conventions/certifid-conventions.yml
  - type: DataModel
    url: data-model/certifid-data-model.yml
- aid: certifid:certifid-confirmrequest-api
  name: CertifID Confirm Request API
  description: The ConfirmRequest API from CertifID — 3 operation(s) for confirmrequest.
  humanURL: https://api.certifid.com/swagger/index.html
  baseURL: https://api.certifid.com
  tags:
  - ConfirmRequest
  properties:
  - type: OpenAPI
    url: openapi/certifid-confirmrequest-api-openapi.yml
  - type: APIReference
    url: https://api.certifid.com/swagger/index.html
  - type: Authentication
    url: authentication/certifid-authentication.yml
  - type: OAuthScopes
    url: scopes/certifid-scopes.yml
  - type: ErrorCatalog
    url: errors/certifid-problem-types.yml
  - type: Conventions
    url: conventions/certifid-conventions.yml
  - type: DataModel
    url: data-model/certifid-data-model.yml
- aid: certifid:certifid-disbursements-api
  name: CertifID Disbursements API
  description: The Disbursements API from CertifID — 10 operation(s) for disbursements.
  humanURL: https://api.certifid.com/swagger/index.html
  baseURL: https://api.certifid.com
  tags:
  - Disbursements
  properties:
  - type: OpenAPI
    url: openapi/certifid-disbursements-api-openapi.yml
  - type: APIReference
    url: https://api.certifid.com/swagger/index.html
  - type: Authentication
    url: authentication/certifid-authentication.yml
  - type: OAuthScopes
    url: scopes/certifid-scopes.yml
  - type: ErrorCatalog
    url: errors/certifid-problem-types.yml
  - type: Conventions
    url: conventions/certifid-conventions.yml
  - type: DataModel
    url: data-model/certifid-data-model.yml
- aid: certifid:certifid-identityrequest-api
  name: CertifID Identity Request API
  description: The IdentityRequest API from CertifID — 4 operation(s) for identityrequest.
  humanURL: https://api.certifid.com/swagger/index.html
  baseURL: https://api.certifid.com
  tags:
  - IdentityRequest
  properties:
  - type: OpenAPI
    url: openapi/certifid-identityrequest-api-openapi.yml
  - type: APIReference
    url: https://api.certifid.com/swagger/index.html
  - type: Authentication
    url: authentication/certifid-authentication.yml
  - type: OAuthScopes
    url: scopes/certifid-scopes.yml
  - type: ErrorCatalog
    url: errors/certifid-problem-types.yml
  - type: Conventions
    url: conventions/certifid-conventions.yml
  - type: DataModel
    url: data-model/certifid-data-model.yml
- aid: certifid:certifid-integration-api
  name: CertifID Integration API
  description: The Integration API from CertifID — 12 operation(s) for integration.
  humanURL: https://api.certifid.com/swagger/index.html
  baseURL: https://api.certifid.com
  tags:
  - Integration
  properties:
  - type: OpenAPI
    url: openapi/certifid-integration-api-openapi.yml
  - type: APIReference
    url: https://api.certifid.com/swagger/index.html
  - type: Authentication
    url: authentication/certifid-authentication.yml
  - type: OAuthScopes
    url: scopes/certifid-scopes.yml
  - type: ErrorCatalog
    url: errors/certifid-problem-types.yml
  - type: Conventions
    url: conventions/certifid-conventions.yml
  - type: DataModel
    url: data-model/certifid-data-model.yml
- aid: certifid:certifid-lenders-api
  name: CertifID Lenders API
  description: The Lenders API from CertifID — 2 operation(s) for lenders.
  humanURL: https://api.certifid.com/swagger/index.html
  baseURL: https://api.certifid.com
  tags:
  - Lenders
  properties:
  - type: OpenAPI
    url: openapi/certifid-lenders-api-openapi.yml
  - type: APIReference
    url: https://api.certifid.com/swagger/index.html
  - type: Authentication
    url: authentication/certifid-authentication.yml
  - type: OAuthScopes
    url: scopes/certifid-scopes.yml
  - type: ErrorCatalog
    url: errors/certifid-problem-types.yml
  - type: Conventions
    url: conventions/certifid-conventions.yml
  - type: DataModel
    url: data-model/certifid-data-model.yml
- aid: certifid:certifid-location-api
  name: CertifID Location API
  description: The Location API from CertifID — 2 operation(s) for location.
  humanURL: https://api.certifid.com/swagger/index.html
  baseURL: https://api.certifid.com
  tags:
  - Location
  properties:
  - type: OpenAPI
    url: openapi/certifid-location-api-openapi.yml
  - type: APIReference
    url: https://api.certifid.com/swagger/index.html
  - type: Authentication
    url: authentication/certifid-authentication.yml
  - type: OAuthScopes
    url: scopes/certifid-scopes.yml
  - type: ErrorCatalog
    url: errors/certifid-problem-types.yml
  - type: Conventions
    url: conventions/certifid-conventions.yml
  - type: DataModel
    url: data-model/certifid-data-model.yml
- aid: certifid:certifid-payoffordering-api
  name: CertifID Payoff Ordering API
  description: The PayoffOrdering API from CertifID — 6 operation(s) for payoffordering.
  humanURL: https://api.certifid.com/swagger/index.html
  baseURL: https://api.certifid.com
  tags:
  - PayoffOrdering
  properties:
  - type: OpenAPI
    url: openapi/certifid-payoffordering-api-openapi.yml
  - type: APIReference
    url: https://api.certifid.com/swagger/index.html
  - type: Authentication
    url: authentication/certifid-authentication.yml
  - type: OAuthScopes
    url: scopes/certifid-scopes.yml
  - type: ErrorCatalog
    url: errors/certifid-problem-types.yml
  - type: Conventions
    url: conventions/certifid-conventions.yml
  - type: DataModel
    url: data-model/certifid-data-model.yml
- aid: certifid:certifid-sendrequest-api
  name: CertifID Send Request API
  description: The SendRequest API from CertifID — 3 operation(s) for sendrequest.
  humanURL: https://api.certifid.com/swagger/index.html
  baseURL: https://api.certifid.com
  tags:
  - SendRequest
  properties:
  - type: OpenAPI
    url: openapi/certifid-sendrequest-api-openapi.yml
  - type: APIReference
    url: https://api.certifid.com/swagger/index.html
  - type: Authentication
    url: authentication/certifid-authentication.yml
  - type: OAuthScopes
    url: scopes/certifid-scopes.yml
  - type: ErrorCatalog
    url: errors/certifid-problem-types.yml
  - type: Conventions
    url: conventions/certifid-conventions.yml
  - type: DataModel
    url: data-model/certifid-data-model.yml
- aid: certifid:certifid-test-api
  name: CertifID Test API
  description: The Test API from CertifID — 3 operation(s) for test.
  humanURL: https://api.certifid.com/swagger/index.html
  baseURL: https://api.certifid.com
  tags:
  - Test
  properties:
  - type: OpenAPI
    url: openapi/certifid-test-api-openapi.yml
  - type: APIReference
    url: https://api.certifid.com/swagger/index.html
  - type: Authentication
    url: authentication/certifid-authentication.yml
  - type: OAuthScopes
    url: scopes/certifid-scopes.yml
  - type: ErrorCatalog
    url: errors/certifid-problem-types.yml
  - type: Conventions
    url: conventions/certifid-conventions.yml
  - type: DataModel
    url: data-model/certifid-data-model.yml
- aid: certifid:certifid-underwriter-api
  name: CertifID Underwriter API
  description: The Underwriter API from CertifID — 1 operation(s) for underwriter.
  humanURL: https://api.certifid.com/swagger/index.html
  baseURL: https://api.certifid.com
  tags:
  - Underwriter
  properties:
  - type: OpenAPI
    url: openapi/certifid-underwriter-api-openapi.yml
  - type: APIReference
    url: https://api.certifid.com/swagger/index.html
  - type: Authentication
    url: authentication/certifid-authentication.yml
  - type: OAuthScopes
    url: scopes/certifid-scopes.yml
  - type: ErrorCatalog
    url: errors/certifid-problem-types.yml
  - type: Conventions
    url: conventions/certifid-conventions.yml
  - type: DataModel
    url: data-model/certifid-data-model.yml
- aid: certifid:certifid-users-api
  name: CertifID Users API
  description: The Users API from CertifID — 1 operation(s) for users.
  humanURL: https://api.certifid.com/swagger/index.html
  baseURL: https://api.certifid.com
  tags:
  - Users
  properties:
  - type: OpenAPI
    url: openapi/certifid-users-api-openapi.yml
  - type: APIReference
    url: https://api.certifid.com/swagger/index.html
  - type: Authentication
    url: authentication/certifid-authentication.yml
  - type: OAuthScopes
    url: scopes/certifid-scopes.yml
  - type: ErrorCatalog
    url: errors/certifid-problem-types.yml
  - type: Conventions
    url: conventions/certifid-conventions.yml
  - type: DataModel
    url: data-model/certifid-data-model.yml
- aid: certifid:certifid-wiringinstructions-api
  name: CertifID Wiring Instructions API
  description: The WiringInstructions API from CertifID — 1 operation(s) for wiringinstructions.
  humanURL: https://api.certifid.com/swagger/index.html
  baseURL: https://api.certifid.com
  tags:
  - WiringInstructions
  properties:
  - type: OpenAPI
    url: openapi/certifid-wiringinstructions-api-openapi.yml
  - type: APIReference
    url: https://api.certifid.com/swagger/index.html
  - type: Authentication
    url: authentication/certifid-authentication.yml
  - type: OAuthScopes
    url: scopes/certifid-scopes.yml
  - type: ErrorCatalog
    url: errors/certifid-problem-types.yml
  - type: Conventions
    url: conventions/certifid-conventions.yml
  - type: DataModel
    url: data-model/certifid-data-model.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: MCPServer
  url: mcp/certifid-mcp.yml
- type: Website
  url: https://www.certifid.com/
- type: APIReference
  url: https://api.certifid.com/swagger/index.html
- type: OpenAPI
  url: openapi/_original/certifid-v2-apis-openapi.json
- type: Authentication
  url: authentication/certifid-authentication.yml
- type: OAuthScopes
  url: scopes/certifid-scopes.yml
- type: DomainSecurity
  url: security/certifid-domain-security.yml
- type: WellKnown
  url: well-known/certifid-well-known.yml
- type: OpenIDConnect
  url: well-known/certifid-openid-configuration.json
- type: ErrorCatalog
  url: errors/certifid-problem-types.yml
- type: Conventions
  url: conventions/certifid-conventions.yml
- type: DataModel
  url: data-model/certifid-data-model.yml
- type: Overlay
  url: overlays/certifid-certifid-v2-apis-overlay.yaml
- type: Conformance
  url: conformance/certifid-conformance.yml
- type: Compliance
  url: conformance/certifid-conformance.yml
- type: TrustCenter
  url: https://trust.certifid.com/
- type: Lifecycle
  url: lifecycle/certifid-lifecycle.yml
- type: StatusPage
  url: https://status.certifid.com/
- type: ChangeLog
  url: changelog/certifid-changelog.yml
- type: AgentSkill
  url: skills/_index.yml
- type: LLMsTxt
  url: llms/certifid-llms.txt
- type: GitHubOrganization
  url: https://github.com/CertifID
- type: Login
  url: https://portal.certifid.com/
- type: SignUp
  url: https://www.certifid.com/request-a-demo
- type: Support
  url: https://www.certifid.com/contact-us
- type: Blog
  url: https://www.certifid.com/resources/articles
- type: TermsOfService
  url: https://www.certifid.com/company/terms-of-service
- type: PrivacyPolicy
  url: https://www.certifid.com/company/privacy-policy
- type: Integrations
  url: https://www.certifid.com/integrations
x-enrichment:
  date: '2026-08-09'
  status: enriched
  artifacts_added: 22
  pass: local-v1