# Codat

**Canonical:** https://apis.io/providers/codat-io/  
**Website:** https://www.codat.io  
**APIs profiled:** 13

Codat provides a business data API that connects small-business accounting, banking, and commerce platforms to lenders, fintechs, and B2B software providers. A single integration to api.codat.io standardizes data from QuickBooks, Xero, Sage, NetSuite, FreshBooks, and 30+ other systems - and can write bills, payments, and expenses back into them - powering underwriting, reconciliation, payables, and spend products.

## Kin Score — 34.8 / 100 (thin)

Scored 2026-08-24 under rubric 0.13.0. Trend: flat (-0.3 from 35.1).

| Facet | Score |
|---|---|
| Discoverability | 74.1 |
| Contract Quality | 52.4 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 34.2 |
| Developer Ergonomics | 21.4 |
| Commercial Clarity | 39.5 |
| Access Clarity | 39.5 |

Regulatory layer — **Banking & Open Finance**: 15.2 (matched via tags).

## Agent readiness — 22.3 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | bearer |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | partial |
| 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 |
| Delegated Identity | no |
| Protected Resource Metadata | no |
| Dynamic Client Registration | no |
| Agentic Commerce | no |

## Access

Freemium (free trial) · Self-serve signup — onboarding: self-serve, pricing: freemium, trial: yes (confidence: high).

## APIs (13)

- **Codat Accounting API** — Standardized accounting data types.
- **Codat Bank Feeds API** — Push transactions into accounting platforms as a bank feed.
- **Codat Banking API** — Standardized banking data types.
- **Codat Commerce API** — Standardized commerce and point-of-sale data types.
- **Codat Companies API** — Create and manage the companies (customers) you pull data for.
- **Codat Connections API** — Manage a company's connections to accounting, banking, and commerce platforms.
- **Codat Expenses API** — Sync for Expenses - reconcile card and expense transactions.
- **Codat Integrations API** — Discover supported integrations and their branding.
- **Codat Lending API** — Assess reports and lending metrics.
- **Codat Manage data API** — Queue data refreshes and inspect pull history and status.
- **Codat Payables API** — Sync for Payables - write bills and payments.
- **Codat Sync for Commerce API** — Sync commerce sales into accounting software.
- **Codat Webhooks API** — Manage webhook consumers for event subscriptions.

## Agentic access (1)

- **Codat Io Agentic Access** — 52 operations · 16 acting

## Security (2)

- **Codat Io Authentication** — apiKey · 1 scheme
- **Codat Io Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC

## Plans (1)

- **Codat Io Plans Pricing**

## Tags

Business Data, Accounting, Banking, Commerce, Fintech, Lending, Financial Data

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