# Chime

**Canonical:** https://apis.io/providers/chime/  
**Website:** https://www.chime.com/  
**APIs profiled:** 5

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.

## Kin Score — 44.1 / 100 (developing)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 44.1).

| Facet | Score |
|---|---|
| Discoverability | 74.1 |
| Contract Quality | 67.0 |
| Governance | 9.8 |
| Contract Governance | 9.8 |
| Operational Transparency | 36.8 |
| Developer Ergonomics | 21.4 |
| Commercial Clarity | 50.0 |
| Access Clarity | 50.0 |

Regulatory layer — **Banking & Open Finance**: 29.1 (matched via tags).

## Agent readiness — 35.9 (agent-ready)

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

## Access

Freemium · Self-serve signup — onboarding: self-serve, pricing: freemium, trial: no (confidence: high).

## APIs (5)

- **Chime Authentication API** — Legacy partner authentication
- **Chime OAuth API** — OAuth 2.0 authorization and token management
- **Chime Statements API** — Access account statements
- **Chime Transactions API** — Access transaction history
- **Chime Users API** — Access user account information

## Agentic access (1)

- **Chime Agentic Access** — 7 operations · 3 acting

## Security (3)

- **Chime Authentication** — http · 1 scheme
- **Chime Domain Security** — TLSv1.3 · HSTS · DMARC
- **Chime Vulnerability Disclosure** — Bugcrowd · security.txt · contact published

## Plans (1)

- **Chime Plans Pricing**

## Tags

Fintech, Neobank, Banking, Checking Accounts, Savings Accounts, Early Paycheck Access, Credit Building, Peer-to-Peer Payments, Consumer Banking

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