# Citigroup

**Canonical:** https://apis.io/providers/citigroup/  
**Website:** https://www.citigroup.com  
**APIs profiled:** 11

Citigroup (Citi) is a global, diversified money-center financial services holding company headquartered in New York City, serving consumers, corporations, governments, and institutions across roughly 90 countries. Citi exposes public API access through two distinct, voluntary developer surfaces. The retail Citi Developer Hub (developer.citi.com, now consolidated into the Citi Partner Portal at partner.citi.com) was one of the earliest bank open-banking programs, launched in 2016, and documents seven core API product families: Accounts, Authorize, Customers, Money Movement, Utilities, Onboarding, and Pay with Points, secured with OAuth 2.0 authorization-code and consent flows against a developer sandbox. The corporate surface is CitiConnect, part of Treasury and Trade Solutions (TTS), which has processed more than one billion API calls since 2017 and exposes real-time payments, cross-border WorldLink FX, statements and reporting, request-to-pay, proof-of-payment, and account-balance APIs across the full TTS footprint, integrated through ERP and TMS systems with OAuth 2.0 and mutual TLS. As a US institution Citi participates in voluntary open finance rather than a single mandated contract: it is a co-owner of the Akoya data-access network and shares consumer-permissioned data under emerging FDX / CFPB Section 1033 norms. No public downloadable OpenAPI, Swagger, SDK, or Postman artifacts are published; documentation is HTML and partner-gated, so entries below are documented humanURL references without harvested machine-readable specs.

## Kin Score — 30.1 / 100 (thin)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 30.1).

| Facet | Score |
|---|---|
| Discoverability | 83.3 |
| Contract Quality | 11.3 |
| Governance | 63.6 |
| Contract Governance | 63.6 |
| Operational Transparency | 7.9 |
| Developer Ergonomics | 33.3 |
| Commercial Clarity | 13.2 |
| Access Clarity | 13.2 |

Regulatory layer — **Banking & Open Finance**: 38.0 (matched via tags).

## Agent readiness — 15.0 (agent-aware)

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

## Access

Freemium — onboarding: unknown, pricing: freemium, trial: no (confidence: medium).

## APIs (11)

- **Citi Accounts and Transactions API** — The Citi Accounts and Transactions API provides authorized third-party access to retail customer accounts, current and available balances, and transaction histories, enabling ac...
- **Citi Money Movement API** — The Citi Money Movement API enables authorized payment initiation from Citi retail accounts, including domestic ACH, wire, and internal book transfers, on behalf of a consenting...
- **Citi Authorize API** — The Citi Authorize API handles the OAuth 2.0 authorization-code and customer-consent flows required for third-party applications to gain scoped access to a customer's Citi accou...
- **Citi Customers API** — The Citi Customers API provides authorized access to retail customer profile information, including contact details and demographic data, for use in onboarding, personalization,...
- **Citi Onboarding API** — The Citi Onboarding API enables digital account opening, document submission, and KYC-driven origination workflows for onboarding new retail customers onto Citi products. It is ...
- **Citi Pay with Points API** — The Citi Pay with Points API enables Citi cardholders to redeem ThankYou points and other rewards balances for purchases at merchant checkouts and inside partner applications. I...
- **Citi Utilities API** — The Citi Utilities API provides supporting reference data such as foreign-exchange rates, branch and ATM locators, and cut-off times used to support transactional workflows acro...
- **CitiConnect API** — CitiConnect is the corporate treasury and trade integration channel within Citi's Treasury and Trade Solutions (TTS) business, exposing APIs for real-time payment initiation, pa...
- **CitiConnect WorldLink Payment Services API** — The CitiConnect WorldLink Payment Services API delivers cross-border, multi-currency payment capabilities within the CitiConnect suite, including FX rate enquiry, FX deal bookin...
- **CitiConnect FX (Real-Time FX) API** — The CitiConnect FX API provides real-time foreign-exchange information and execution for corporate treasury clients, supporting FX rate requests and the booking of FX contracts ...
- **CitiConnect Statements and Reporting API** — The CitiConnect Statements and Reporting API delivers self-service reports, account statements, intraday and prior-day balance and transaction reporting, cut-off times, and proo...

## Security (2)

- **Citigroup Authentication** — oauth2/mutualTLS · 3 schemes
- **Citigroup Domain Security** — TLSv1.3 · HSTS · DMARC

## Plans (1)

- **Citigroup Plans Pricing**

## Tags

Banking, Financial-Services, United States, Money Center Bank, Open Banking, Open Finance, Treasury and Trade Solutions, CitiConnect, Payments, FX, Corporate Banking, Fortune 100

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