CFX Labs

CFX Labs provides programmable U.S. banking APIs for global platforms, offering ACH, wire, RTP, cash deposits, virtual accounts, and on‑chain settlement. The fintech‑focused service aggregates deposits across 3,000+ FDIC‑insured banks, tokenizes balances 1:1, and delivers compliance, KYC, and risk controls via a single integration. Backed by multiple venture firms, CFX serves marketplaces, neobanks, card programs, exchanges, and lenders, handling over $1 B in payment volume in 2025 across 67 countries.

CFX Labs publishes 11 API contracts indexed on the APIs.io network, including Cash API, Deposit API, Deposit Memos API, and 8 more. Tagged areas include Fintech, Banking, Payments, Programmable, and Company.

The CFX Labs catalog on APIs.io includes 1 event-driven AsyncAPI specification and 1 Spectral governance ruleset.

CFX Labs’ developer surface includes API reference, authentication, documentation, and 19 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

33.9/100 thin ▼ -6.3 Agent 40/100 agent ready Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

4 published contracts

Fintech Banking Payments Programmable Company

Kin Score

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

Composite quality — 33.9/100 · thin

Contract Quality 11.6 / 19

Developer Ergonomics 3.8 / 15

Access Clarity 2.2 / 15

Operational Transparency 0.8 / 10

Contract Governance 2.0 / 9

Discoverability 5.9 / 8

Regulatory Posture 2.8 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 40/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 6 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 9 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 7 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 6 / 6

Agent Skills 0 / 5

Well-Known Catalog 4 / 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
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)
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document
Delegated User Identity +6 pts — a served discovery document listing authorization_code in grant_types_supported (served), else an oauth2 authorizationCode flow or openIdConnect declared in an OpenAPI (documented)
Agent Skills +5 pts — skills artifact present, graded by who authored it

4 more unmet checks in the Agent Readiness table above.

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

Access Clarity scores 14.5 — up to +17.1 composite points
Developer Ergonomics scores 25.0 — up to +15.0 composite points
Operational Transparency scores 7.9 — up to +12.0 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/cfx-labs/apis.yml: open an issue on github.com/api-evangelist/cfx-labs 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 11

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

CFX Labs Cash API

The Cash API from CFX Labs — 8 operation(s) for cash.

CFX Labs Deposit API

Retrieve and manage deposits into the CFX network.

CFX Labs Deposit Memos API

Memos that route inbound deposits to a ledger account.

CFX Labs Escrow Transfers API

Create, fund, claim, reject, and cancel escrow transfers across their lifecycle.

CFX Labs Identity API

CFX Labs Identity Documents API

Upload and manage KYC documents for an identity.

CFX Labs Ledger Accounts API

MoveUSD-denominated accounts owned by an identity.

CFX Labs Payment Instruments API

Bank accounts and wallets an identity can send to or receive from.

CFX Labs Products API

Products available to an identity and their activation status.

CFX Labs Transfer Requests API

Request-for-payment flow that precedes an escrow transfer (create, accept, reject, cancel).

CFX Labs US Bank ACH API

US bank ACH pull deposits.

Scroll for all 11

Event Specifications 1

AsyncAPI definitions for this provider's event-driven and streaming APIs.

Cfx Labs Webhooks

ASYNCAPI

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

CFX Labs API Rules

16 rules · 12 errors 1 warnings 3 info

SPECTRAL

Security Posture 2

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

Cfx Labs Authentication

apiKey · 2 schemes

SECURITY

Cfx Labs Domain Security

TLSv1.3 · DNSSEC · DMARC

SECURITY

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Cfx Labs Agentic Access

53 operations · 28 acting

AGENTIC

Resources

Get Started 1

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

Documentation 2

Reference material describing how the API behaves

APIReference

APIReference

Documentation

Documentation

Agent Surfaces 3

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgenticAccess

LLMsTxt

LLMsTxt

WellKnown

WellKnown

Design & Contract 7

Pagination, idempotency, versioning, errors, and events

Spectral

Vocabulary

Webhooks

Idempotency

Conventions

ErrorCatalog

Conformance

Scroll for all 7

Access & Security 3

Authentication, authorization, and security posture

TrustCenter

TrustCenter

Authentication

Authentication

DomainSecurity

DomainSecurity

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 1

The organization behind the API

Website

Website

Other 3

Properties that don't map to a standard resource type

Hosts

Hosts

Vendors

Vendors

Company

Company

Source (apis.yml)

aid: cfx-labs
name: CFX Labs
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  probe_state: gated
  source:
  - authentication
  - security
  generated: '2026-11-06'
  method: derived
image: https://cfx.to/opengraph-image?02d7fabe23a86c5f
description: CFX Labs provides programmable U.S. banking APIs for global platforms, offering ACH, wire, RTP, cash deposits,
  virtual accounts, and on‑chain settlement. The fintech‑focused service aggregates deposits across 3,000+ FDIC‑insured banks,
  tokenizes balances 1:1, and delivers compliance, KYC, and risk controls via a single integration. Backed by multiple venture
  firms, CFX serves marketplaces, neobanks, card programs, exchanges, and lenders, handling over $1 B in payment volume in
  2025 across 67 countries.
url: https://raw.githubusercontent.com/api-evangelist/cfx-labs/refs/heads/main/apis.yml
x-type: company
x-source: harvest:secondary-market
x-tier: profiled
x-tier-reason: enrichment pass 2026-10-08 (modular-v1; was harvest)
specificationVersion: '0.20'
created: '2026-10-07'
modified: '2026-10-07'
x-docs-platform: readme
x-docs-platform-confidence: high
x-docs-platform-checked: 2026-10-17
tags:
- Fintech
- Banking
- Payments
- Programmable
- Company
tags_raw:
- fintech
- banking
- payments
- API
- programmable
- company
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: AgenticAccess
  url: agentic-access/cfx-labs-agentic-access.yml
- type: Spectral
  url: rules/cfx-labs-rules.yml
- type: Vocabulary
  url: vocabulary/cfx-labs-vocabulary.yml
- type: Webhooks
  url: asyncapi/cfx-labs-webhooks.yml
- type: Idempotency
  url: conventions/cfx-labs-conventions.yml
- type: Conventions
  url: conventions/cfx-labs-conventions.yml
- type: ErrorCatalog
  url: errors/cfx-labs-problem-types.yml
- type: Conformance
  url: conformance/cfx-labs-conformance.yml
- type: LLMsTxt
  url: llms/cfx-labs-llms.txt
- type: WellKnown
  url: well-known/cfx-labs-well-known.yml
- type: Hosts
  url: hosts/cfx-labs-hosts.yml
- type: Vendors
  url: vendors/cfx-labs-vendors.yml
- type: TrustCenter
  url: https://trust.cfx.to
- type: APIReference
  url: https://docs.cfx.to/reference
- type: Authentication
  url: authentication/cfx-labs-authentication.yml
- type: DomainSecurity
  url: security/cfx-labs-domain-security.yml
- type: Website
  url: https://cfx.to/
- type: Documentation
  url: https://docs.cfx.to/
- type: DeveloperPortal
  url: https://cfx.to/developers
- type: Company
  url: https://cfx.to/company
- type: TermsOfService
  url: https://cfx.to/legal/terms-and-conditions
- type: PrivacyPolicy
  url: https://cfx.to/legal/privacy-policy
apis:
- aid: cfx-labs:cfx-labs-cash-api
  name: CFX Labs Cash API
  description: The Cash API from CFX Labs — 8 operation(s) for cash.
  humanURL: https://docs.cfx.to
  baseURL: https://api.cfx.to
  tags:
  - Cash
  properties:
  - type: OpenAPI
    url: openapi/cfx-labs-cash-api-openapi.yml
- aid: cfx-labs:cfx-labs-deposit-api
  name: CFX Labs Deposit API
  description: Retrieve and manage deposits into the CFX network.
  humanURL: https://docs.cfx.to
  baseURL: https://api.cfx.to
  tags:
  - Deposit
  properties:
  - type: OpenAPI
    url: openapi/cfx-labs-deposit-api-openapi.yml
- aid: cfx-labs:cfx-labs-deposit-memos-api
  name: CFX Labs Deposit Memos API
  description: Memos that route inbound deposits to a ledger account.
  humanURL: https://docs.cfx.to
  baseURL: https://api.cfx.to
  tags:
  - Deposit Memos
  properties:
  - type: OpenAPI
    url: openapi/cfx-labs-deposit-memos-api-openapi.yml
- aid: cfx-labs:cfx-labs-escrow-transfers-api
  name: CFX Labs Escrow Transfers API
  description: Create, fund, claim, reject, and cancel escrow transfers across their lifecycle.
  humanURL: https://docs.cfx.to
  baseURL: https://api.cfx.to
  tags:
  - Escrow Transfers
  properties:
  - type: OpenAPI
    url: openapi/cfx-labs-escrow-transfers-api-openapi.yml
- aid: cfx-labs:cfx-labs-identity-api
  name: CFX Labs Identity API
  description: Register, retrieve, update, and verify identities.
  humanURL: https://docs.cfx.to
  baseURL: https://api.cfx.to
  tags:
  - Identity
  properties:
  - type: OpenAPI
    url: openapi/cfx-labs-identity-api-openapi.yml
- aid: cfx-labs:cfx-labs-identity-documents-api
  name: CFX Labs Identity Documents API
  description: Upload and manage KYC documents for an identity.
  humanURL: https://docs.cfx.to
  baseURL: https://api.cfx.to
  tags:
  - Identity documents
  tags_raw:
  - Identity Documents
  properties:
  - type: OpenAPI
    url: openapi/cfx-labs-identity-documents-api-openapi.yml
- aid: cfx-labs:cfx-labs-ledger-accounts-api
  name: CFX Labs Ledger Accounts API
  description: MoveUSD-denominated accounts owned by an identity.
  humanURL: https://docs.cfx.to
  baseURL: https://api.cfx.to
  tags:
  - Ledger Accounts
  properties:
  - type: OpenAPI
    url: openapi/cfx-labs-ledger-accounts-api-openapi.yml
- aid: cfx-labs:cfx-labs-payment-instruments-api
  name: CFX Labs Payment Instruments API
  description: Bank accounts and wallets an identity can send to or receive from.
  humanURL: https://docs.cfx.to
  baseURL: https://api.cfx.to
  tags:
  - Payment Instruments
  properties:
  - type: OpenAPI
    url: openapi/cfx-labs-payment-instruments-api-openapi.yml
- aid: cfx-labs:cfx-labs-products-api
  name: CFX Labs Products API
  description: Products available to an identity and their activation status.
  humanURL: https://docs.cfx.to
  baseURL: https://api.cfx.to
  tags:
  - Product
  tags_raw:
  - Products
  properties:
  - type: OpenAPI
    url: openapi/cfx-labs-products-api-openapi.yml
- aid: cfx-labs:cfx-labs-transfer-requests-api
  name: CFX Labs Transfer Requests API
  description: Request-for-payment flow that precedes an escrow transfer (create, accept, reject, cancel).
  humanURL: https://docs.cfx.to
  baseURL: https://api.cfx.to
  tags:
  - TransferRequests
  tags_raw:
  - Transfer Requests
  properties:
  - type: OpenAPI
    url: openapi/cfx-labs-transfer-requests-api-openapi.yml
- aid: cfx-labs:cfx-labs-us-bank-ach-api
  name: CFX Labs US Bank ACH API
  description: US bank ACH pull deposits.
  humanURL: https://docs.cfx.to
  baseURL: https://api.cfx.to
  tags:
  - US Bank ACH
  properties:
  - type: OpenAPI
    url: openapi/cfx-labs-us-bank-ach-api-openapi.yml
x-coverage:
  state: gated
  reason: partner-login
  method: derived
  generated: '2026-10-08'
  generator: derive-coverage.py (pre-flight evidence)
  detail: the company serves an API surface but requires credentials before any description of it can be read
  evidence:
  - url: https://docs.cfx.to/mcp
    status: 401
  - url: https://api.cfx.to/mcp
    status: 403
  - url: https://cfx.to/
    status: 200
  - url: https://www.nasdaqprivatemarket.com/
    status: 200
x-enrichment:
  date: '2026-10-08'
  status: enriched
  artifacts_added: 21
  pass: modular-v1
  engine: identity=local,contract=local,surfaces=local,docs=local,regulatory=local

CFX Labs API — frequently asked questions

Does CFX Labs have an API?

Yes. APIs.io lists 11 APIs from CFX Labs, including CFX Labs Cash API, CFX Labs Deposit API and CFX Labs Deposit Memos API, and 8 more.

Is there an OpenAPI specification for the CFX Labs API?

Yes. APIs.io indexes 11 OpenAPI specifications for CFX Labs, each linked for download from this page.

How do I authenticate with the CFX Labs API?

CFX Labs uses bearer-token authentication (apiKey · 2 schemes). The details are profiled on APIs.io as Cfx Labs Authentication.

Is the CFX Labs API ready for AI agents?

CFX Labs has a Kin Score of 33.9 out of 100 (thin) and an Agent Readiness score of 40.1 (agent-ready), scored by API Evangelist on 2026-11-06.

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