Chime

Chime is a neobank and fintech platform offering fee-free checking and savings accounts, early paycheck access, credit building, and peer-to-peer payment features for consumer banking. The Chime Partner API enables developers to access user account information, transaction details, account balances, statements, and payment initiation through OAuth 2.0 authentication.

Chime publishes 5 API contracts indexed on the APIs.io network, including Authentication API, Statements API, Transactions API, and 2 more. Tagged areas include Fintech, Neobank, Banking, Checking Accounts, and Savings Accounts.

The Chime catalog on APIs.io includes 1 JSON-LD context and 1 Spectral governance ruleset.

Chime’s developer surface includes changelog, authentication, documentation, engineering blog, pricing, and 11 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

36.1/100 thin ▬ flat Agent 28/100 agent aware Heartbeat 100/100 alive saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

AccessFreemiumSelf serve⚡ Free to try

1 published contract

Fintech Neobank BankingChecking AccountsSavings AccountsEarly Paycheck AccessCredit BuildingPeer-to-Peer PaymentsConsumer Banking Consumer Finance

Kin Score

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

Composite quality — 36.1/100 · thin

Contract Quality 10.4 / 19

Developer Ergonomics 4.3 / 15

Access Clarity 2.8 / 15

Operational Transparency 4.6 / 10

Contract Governance 0.9 / 9

Discoverability 5.0 / 8

Regulatory Posture 2.7 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 28/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 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 7 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 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
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
Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link
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)

8 more unmet checks in the Agent Readiness table above.

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

Access Clarity scores 18.4 — up to +16.3 composite points
Developer Ergonomics scores 28.6 — up to +14.3 composite points
Contract Quality scores 55.4 — up to +11.2 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/chime/apis.yml: open an issue on github.com/api-evangelist/chime 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 →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
Consumer Lending Licensing (UK, US, Canada credit licence registers)	undeclared	-	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

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.

Chime Authentication API

Legacy partner authentication

Chime Statements API

Access account statements

Chime Transactions API

Access transaction history

Chime Users API

Access user account information

Chime O Auth API

OAuth 2.0 authorization and token management

Open Collections 5

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

Chime Partner Authentication API

OPEN COLLECTION

Chime Partner Authentication OAuth API

OPEN COLLECTION

Chime Partner Authentication Statements API

OPEN COLLECTION

Chime Partner Authentication Transactions API

OPEN COLLECTION

Chime Partner Authentication Users API

OPEN COLLECTION

Chime API pricing

Not yet checked against Chime's own pricing page. Compiled by API Evangelist on 2026-06-13; confirm before you rely on a figure.

Plan	Price
Chime (Free)	—
Chime Plus	—
Chime Prime	—
Partner API Access	—

Plan details, limits and sources →

Pricing Plans 1

Published pricing tiers and plan structures.

Chime Plans Pricing

4 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Chime Rate Limits

0 limits

RATE LIMITS

Service Levels 1

Uptime the provider promises or reports, as SLA4OAI. Read from its own pages; APIs.io runs no monitors.

Chime

SLA

FinOps 1

Cost, billing, and metering signals for API financial operations.

Chime Finops

FINOPS

Semantic Vocabularies 1

JSON-LD contexts and semantic vocabularies used across these APIs.

Chime Context

25 classes · 7 properties

JSON-LD

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Chime — jsonschema rules

5 rules · 4 warnings 1 info

SPECTRAL

JSON Schema 2

Standalone JSON Schema definitions for this provider's data models.

ChimeAccount

7 properties

JSON SCHEMA

ChimeTransaction

9 properties

JSON SCHEMA

Examples 4

Example request and response payloads for these APIs.

Get Transactions Response

4 fields

EXAMPLE

Get User Response

3 fields

EXAMPLE

Oauth Token Request

6 fields

EXAMPLE

Oauth Token Response

5 fields

EXAMPLE

Security Posture 3

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

Chime Authentication

http · 1 scheme

SECURITY

Chime Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Chime Vulnerability Disclosure

Bugcrowd · security.txt · contact published

SECURITY

Agentic Access 1

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

Chime Agentic Access

7 operations · 3 acting

AGENTIC

Resources

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgenticAccess

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrg

GitHubOrg

Access & Security 3

Authentication, authorization, and security posture

VulnerabilityDisclosure

VulnerabilityDisclosure

DomainSecurity

DomainSecurity

Authentication

Authentication

Operate 3

Status, limits, changes, and where to get help

ChangeLog

ChangeLog

StatusPage

StatusPage

RateLimits

RateLimits

Commercial 3

Pricing, plans, and the legal terms of use

Pricing

Pricing

Plans

Plans

FinOps

FinOps

Company 3

The organization behind the API

Website

Website

LinkedIn

Blog

Blog

Other 1

Properties that don't map to a standard resource type

Source (apis.yml)

aid: chime
name: Chime
description: Chime is a neobank and fintech platform offering fee-free checking and savings accounts, early paycheck access,
  credit building, and peer-to-peer payment features for consumer banking. The Chime Partner API enables developers to access
  user account information, transaction details, account balances, statements, and payment initiation through OAuth 2.0 authentication.
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: freemium
  onboarding: self-serve
  trial: false
  try_now: true
  public: false
  gated: none
  gated_source:
  - onboarding
  label: Freemium · Self-serve signup
  confidence: medium
  source:
  - plans
  - authentication
  - security
  generated: '2026-11-06'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/chime.png
url: https://raw.githubusercontent.com/api-evangelist/chime/refs/heads/main/apis.yml
created: '2026-06-13'
modified: '2026-06-13'
specificationVersion: '0.23'
x-docs-platform: readme
x-docs-platform-confidence: medium
x-docs-platform-checked: 2026-09-21
tags:
- Fintech
- Neobank
- Banking
- Checking Accounts
- Savings Accounts
- Early Paycheck Access
- Credit Building
- Peer-to-Peer Payments
- Consumer Banking
- Consumer Finance
apis:
- aid: chime:chime-authentication-api
  name: Chime Authentication API
  description: Legacy partner authentication
  humanURL: https://developer.chime.com/
  baseURL: https://api.chimebank.com/chime/v1
  tags:
  - Authentication
  properties:
  - type: OpenAPI
    url: openapi/chime-authentication-api-openapi.yml
  - type: Documentation
    url: https://developer.chime.com/docs/chime-apis
  - type: Sandbox
    url: https://developer.chime.com/
- aid: chime:chime-statements-api
  name: Chime Statements API
  description: Access account statements
  humanURL: https://developer.chime.com/
  baseURL: https://api.chimebank.com/chime/v1
  tags:
  - Statements
  properties:
  - type: OpenAPI
    url: openapi/chime-statements-api-openapi.yml
  - type: Documentation
    url: https://developer.chime.com/docs/chime-apis
  - type: Sandbox
    url: https://developer.chime.com/
- aid: chime:chime-transactions-api
  name: Chime Transactions API
  description: Access transaction history
  humanURL: https://developer.chime.com/
  baseURL: https://api.chimebank.com/chime/v1
  tags:
  - Transaction
  tags_raw:
  - Transactions
  properties:
  - type: OpenAPI
    url: openapi/chime-transactions-api-openapi.yml
  - type: Documentation
    url: https://developer.chime.com/docs/chime-apis
  - type: Sandbox
    url: https://developer.chime.com/
- aid: chime:chime-users-api
  name: Chime Users API
  description: Access user account information
  humanURL: https://developer.chime.com/
  baseURL: https://api.chimebank.com/chime/v1
  tags:
  - User
  tags_raw:
  - Users
  properties:
  - type: OpenAPI
    url: openapi/chime-users-api-openapi.yml
  - type: Documentation
    url: https://developer.chime.com/docs/chime-apis
  - type: Sandbox
    url: https://developer.chime.com/
- aid: chime:chime-oauth-api
  name: Chime O Auth API
  description: OAuth 2.0 authorization and token management
  humanURL: https://developer.chime.com/
  baseURL: https://api.chimebank.com/chime/v1
  tags:
  - OAuth
  - Authentication
  tags_raw:
  - OAuth
  - Authentication
  properties:
  - type: OpenAPI
    url: openapi/chime-oauth-api-openapi.yml
  - type: Documentation
    url: https://developer.chime.com/docs/chime-apis
  - type: Sandbox
    url: https://developer.chime.com/
common:
- type: ChangeLog
  url: https://developer.chime.com/changelog
- type: AgenticAccess
  url: agentic-access/chime-agentic-access.yml
- type: VulnerabilityDisclosure
  url: security/chime-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/chime-domain-security.yml
- type: Authentication
  url: authentication/chime-authentication.yml
- type: Website
  url: https://www.chime.com/
- type: Documentation
  url: https://developer.chime.com/
- type: GitHubOrg
  url: https://github.com/chimehq
- type: LinkedIn
  url: https://www.linkedin.com/company/chime-card
- type: Blog
  url: https://medium.com/life-at-chime
- type: Pricing
  url: https://chime.me/pricing/
- type: StatusPage
  url: https://status.chime.com/
- type: X
  url: https://x.com/chime
- type: Plans
  url: plans/chime-plans-pricing.yml
- type: RateLimits
  url: rate-limits/chime-rate-limits.yml
- type: FinOps
  url: finops/chime-finops.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

Chime API — frequently asked questions

Does Chime have an API?

Yes. APIs.io lists 5 APIs from Chime, including Chime Authentication API, Chime Statements API and Chime Transactions API, and 2 more.

Is there an OpenAPI specification for the Chime API?

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

How do I authenticate with the Chime API?

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

How much does the Chime API cost?

APIs.io lists 4 pricing plans for Chime, with each plan's price, limits and inclusions under Pricing on this page.

Is the Chime API ready for AI agents?

Chime has a Kin Score of 36.1 out of 100 (thin) and an Agent Readiness score of 27.8 (agent-aware), scored by API Evangelist on 2026-11-06.

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get_provider_ratingPRO — composite, band, trend and facet scores.
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