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, API, and programmable.

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 📡 Source on GitHub

45.7/100 developing Agent 44/100 agent ready Full breakdown ↓
scored 2026-10-09 · rubric v0.23.0

4 published contracts

fintechbankingpaymentsAPIprogrammablecompany

Kin Score

Kin Score How this is scored →
scored 2026-10-09 · rubric v0.23.0

Composite quality — 45.7/100 · developing

Contract Quality 12.1 / 21

Developer Ergonomics 6.5 / 17

Access Clarity 4.9 / 17

Operational Transparency 0.9 / 11

Contract Governance 8.1 / 10

Discoverability 6.1 / 9

Regulatory Posture 3.5 / 15

Agent readiness — 44/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 0 / 6

MCP Server 12 / 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

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 could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

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/. 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 github.com/api-evangelist/cfx-labs: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

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
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'
tags:
- 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
  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:
  - 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:
  - 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

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