# CFX Labs

**Canonical:** https://apis.io/providers/cfx-labs/  
**Website:** https://cfx.to/  
**APIs profiled:** 4

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.

## Kin Score — 45.7 / 100 (developing)

Scored 2026-10-09 under rubric 0.23.0.

| Facet | Score |
|---|---|
| Discoverability | 71.4 |
| Contract Quality | 56.9 |
| Contract Governance | 79.1 |
| Operational Transparency | 7.9 |
| Developer Ergonomics | 38.1 |
| Access Clarity | 28.9 |

Regulatory layer — **Banking & Open Finance**: 23.6 (matched via tags).

## Agent readiness — 44.0 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | unknown |
| Reversibility Documented | no |
| MCP Server | documented |
| Auth Clarity | bearer |
| Idempotency | verified |
| Error Semantics | derived |
| OpenAPI Examples | verified |
| Rate Limit Signal | no |
| Event Surface Described | unknown |
| Agent Skills | no |
| Well Known Catalog | yes |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |
| Delegated Identity | no |
| Protected Resource Metadata | no |
| Dynamic Client Registration | no |
| Agentic Commerce | no |

## APIs (11)

- **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** — Register, retrieve, update, and verify identities.
- **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.

## Agentic access (1)

- **Cfx Labs Agentic Access** — 53 operations · 28 acting

## Security (2)

- **Cfx Labs Authentication** — apiKey · 2 schemes
- **Cfx Labs Domain Security** — TLSv1.3 · DNSSEC · DMARC

## Tags

fintech, banking, payments, API, programmable, company

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/cfx-labs/). Scores are computed from the provider's own public artifacts under a published rubric.