Column

Column is a chartered nationally-regulated bank purpose-built for developer APIs. Offers ACH, wires, FedNow, checks, BIN sponsorship, and bank-direct ledgering.

Column publishes 18 APIs on the APIs.io network, including ACH Transfers API, Wire Transfers API, International Wires API, and 15 more. Tagged areas include Fintech, Banking, Backend-as-a-Service, ACH, and Wires.

Column’s developer surface includes sandbox, API reference, changelog, getting-started guide, authentication, engineering blog, and 12 more developer resources.

🌐 Visit website 📡 Source on GitHub
37.9/100 thin ▬ flat Agent 26/100 agent aware saas Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0
1 APIs
FintechBankingBackend-as-a-ServiceACHWires

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-09-08 · rubric v0.20.0
Composite quality — 37.9/100 · thin
Contract Quality 11.0 / 19
Developer Ergonomics 7.5 / 15
Access Clarity 3.0 / 15
Operational Transparency 4.4 / 10
Contract Governance 0.0 / 9
Discoverability 5.0 / 8
Regulatory Posture 2.3 / 15
Create-or-Update Ergonomics 0.0 / 10
Agent readiness — 26/100 · agent aware
Machine-Readable Contract 18 / 18
Agentic Access Contract 10 / 10
Documented Reversibility 6 / 6
MCP Server 0 / 12
Machine-Readable Auth 10 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 7 / 7
Typed Event Surface 6 / 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
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/.
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 github.com/api-evangelist/column: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 21

Individual APIs this provider publishes, each with its own machine-readable definition.

Column ACH Transfers API

Originate and receive ACH transfers with returns and reversal handling.

Column Wire Transfers API

Send domestic wires with drawdowns and return-request workflows.

Column International Wires API

Cross-border wires with FX quoting and amendments.

Column Realtime Transfers API

Instant RTP/FedNow transfers and Request for Payment (RFP).

Column Book Transfers API

Internal ledger movements between Column accounts.

Column Check Services API

Issue, print, mail and deposit physical checks.

Column Lending API

Loan disbursements, payments, sales and reporting.

Column Entities & Accounts API

Person and business entity onboarding plus bank accounts and account numbers.

Column Webhooks

HMAC-SHA256 signed event callbacks for ACH, wire, international wire (SWIFT), realtime (RTP/FedNow), book transfers, checks, bank accounts, identity verification, loans, and rep...

Column Account Numbers API

The Account Numbers API from Column — 2 operation(s) for account numbers.

Column ACH Transfers API

The ACH Transfers API from Column — 4 operation(s) for ach transfers.

Column Bank Accounts API

The Bank Accounts API from Column — 2 operation(s) for bank accounts.

Column Book Transfers API

The Book Transfers API from Column — 2 operation(s) for book transfers.

Column Check Transfers API

The Check Transfers API from Column — 3 operation(s) for check transfers.

Column Counterparties API

The Counterparties API from Column — 2 operation(s) for counterparties.

Column Entities API

The Entities API from Column — 4 operation(s) for entities.

Column Events API

The Events API from Column — 2 operation(s) for events.

Column International Wires API

The International Wires API from Column — 2 operation(s) for international wires.

Column Realtime Transfers API

The Realtime Transfers API from Column — 2 operation(s) for realtime transfers.

Column Webhooks API

The Webhooks API from Column — 2 operation(s) for webhooks.

Column Wire Transfers API

The Wire Transfers API from Column — 2 operation(s) for wire transfers.

Scroll for all 21

Open Collections 15

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

API Collection

OPEN COLLECTION

Column Account Numbers API

OPEN COLLECTION

Column Account Numbers ACH Transfers API

OPEN COLLECTION

Column Webhooks

OPEN COLLECTION

Column Account Numbers Bank Accounts API

OPEN COLLECTION

Column Account Numbers Book Transfers API

OPEN COLLECTION

Column Account Numbers Check Transfers API

OPEN COLLECTION

Column Account Numbers Counterparties API

OPEN COLLECTION

Column Account Numbers Entities API

OPEN COLLECTION

Column Account Numbers Events API

OPEN COLLECTION

Column Account Numbers International Wires API

OPEN COLLECTION

Column Account Numbers Realtime Transfers API

OPEN COLLECTION

Column Account Numbers Webhooks API

OPEN COLLECTION

Column Account Numbers Wire Transfers API

OPEN COLLECTION

Column API

OPEN COLLECTION

Scroll for all 15

Pricing Plans 1

Published pricing tiers and plan structures.

Column Plans Pricing

1 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Column Rate Limits

1 limits

RATE LIMITS

FinOps 1

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

Column Finops

FINOPS

Security Posture 2

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

Column Authentication

http · 1 scheme

SECURITY

Column Domain Security

TLSv1.3 · DMARC

SECURITY

Agentic Access 1

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

Column Agentic Access

44 operations · 21 acting

44 operations · 21 acting

AGENTIC

Resources

Get Started 3

Portal, sign-up, and the first successful call

Sandbox
Sandbox
 GettingStarted
GettingStarted
 Login
Login

Documentation 1

Reference material describing how the API behaves

APIReference
APIReference

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess
AgenticAccess
 LlmsText
LlmsText

Design & Contract 1

Pagination, idempotency, versioning, errors, and events

Webhooks
Webhooks

Access & Security 2

Authentication, authorization, and security posture

DomainSecurity
DomainSecurity
 Authentication
Authentication

Operate 3

Status, limits, changes, and where to get help

StatusPage
StatusPage
 ChangeLog
ChangeLog
 RateLimits
RateLimits

Commercial 2

Pricing, plans, and the legal terms of use

Plans
Plans
 FinOps
FinOps

Company 3

The organization behind the API

LinkedIn
LinkedIn
 Website
Website
 Blog
Blog

Other 1

Properties that don't map to a standard resource type

CapabilityMap
CapabilityMap

Source (apis.yml)

apis.yml Raw ↑ 
aid: column
url: https://raw.githubusercontent.com/api-evangelist/column/refs/heads/main/apis.yml
name: Column
kind: company
description: Column is a chartered nationally-regulated bank purpose-built for developer APIs. Offers ACH, wires, FedNow,
  checks, BIN sponsorship, and bank-direct ledgering.
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: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - plans
  - authentication
  - security
  generated: '2026-09-03'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/column.png
tags:
- Fintech
- Banking
- Backend-as-a-Service
- ACH
- Wires
tags_raw:
- Fintech
- Banking
- BaaS
- ACH
- Wires
created: '2026-05-08'
modified: '2026-05-30'
specificationVersion: '0.23'
apis:
- name: Column ACH Transfers API
  description: Originate and receive ACH transfers with returns and reversal handling.
  humanURL: https://column.com/docs/api
  baseURL: https://api.column.com
  tags:
  - ACH
  - Payments
  properties:
  - type: Documentation
    url: https://column.com/docs/api
- name: Column Wire Transfers API
  description: Send domestic wires with drawdowns and return-request workflows.
  humanURL: https://column.com/docs/api
  baseURL: https://api.column.com
  tags:
  - Wires
  - Payments
  properties:
  - type: Documentation
    url: https://column.com/docs/api
- name: Column International Wires API
  description: Cross-border wires with FX quoting and amendments.
  humanURL: https://column.com/docs/api
  baseURL: https://api.column.com
  tags:
  - Wires
  - FX
  - Cross-Border
  properties:
  - type: Documentation
    url: https://column.com/docs/api
- name: Column Realtime Transfers API
  description: Instant RTP/FedNow transfers and Request for Payment (RFP).
  humanURL: https://column.com/docs/api
  baseURL: https://api.column.com
  tags:
  - RTP
  - FedNow
  - Instant Payments
  properties:
  - type: Documentation
    url: https://column.com/docs/api
- name: Column Book Transfers API
  description: Internal ledger movements between Column accounts.
  humanURL: https://column.com/docs/api
  baseURL: https://api.column.com
  tags:
  - Book Transfers
  properties:
  - type: Documentation
    url: https://column.com/docs/api
- name: Column Check Services API
  description: Issue, print, mail and deposit physical checks.
  humanURL: https://column.com/docs/api
  baseURL: https://api.column.com
  tags:
  - Check
  - Payments
  properties:
  - type: Documentation
    url: https://column.com/docs/api
- name: Column Lending API
  description: Loan disbursements, payments, sales and reporting.
  humanURL: https://column.com/docs/api
  baseURL: https://api.column.com
  tags:
  - Lending
  - Loans
  properties:
  - type: Documentation
    url: https://column.com/docs/api
- name: Column Entities & Accounts API
  description: Person and business entity onboarding plus bank accounts and account numbers.
  humanURL: https://column.com/docs/api
  baseURL: https://api.column.com
  tags:
  - Account
  - KYC
  tags_raw:
  - Accounts
  - KYC
  properties:
  - type: Documentation
    url: https://column.com/docs/api
- name: Column Webhooks
  description: HMAC-SHA256 signed event callbacks for ACH, wire, international wire (SWIFT), realtime (RTP/FedNow), book transfers,
    checks, bank accounts, identity verification, loans, and reporting.
  humanURL: https://docs.column.com/working-with-the-api/events-and-webhooks/
  baseURL: https://api.column.com
  tags:
  - Webhook
  - Event
  - AsyncAPI
  tags_raw:
  - Webhooks
  - Events
  - AsyncAPI
  properties:
  - type: Documentation
    url: https://docs.column.com/working-with-the-api/events-and-webhooks/
  - type: AsyncAPI
    url: openapi/column-asyncapi.yml
- aid: column:column-account-numbers-api
  name: Column Account Numbers API
  description: The Account Numbers API from Column — 2 operation(s) for account numbers.
  humanURL: https://column.com/docs/api
  baseURL: https://api.column.com
  tags:
  - Account Numbers
  properties:
  - type: OpenAPI
    url: openapi/column-account-numbers-api-openapi.yml
- aid: column:column-ach-transfers-api
  name: Column ACH Transfers API
  description: The ACH Transfers API from Column — 4 operation(s) for ach transfers.
  humanURL: https://column.com/docs/api
  baseURL: https://api.column.com
  tags:
  - ACH Transfers
  properties:
  - type: OpenAPI
    url: openapi/column-ach-transfers-api-openapi.yml
- aid: column:column-bank-accounts-api
  name: Column Bank Accounts API
  description: The Bank Accounts API from Column — 2 operation(s) for bank accounts.
  humanURL: https://column.com/docs/api
  baseURL: https://api.column.com
  tags:
  - Bank Accounts
  properties:
  - type: OpenAPI
    url: openapi/column-bank-accounts-api-openapi.yml
- aid: column:column-book-transfers-api
  name: Column Book Transfers API
  description: The Book Transfers API from Column — 2 operation(s) for book transfers.
  humanURL: https://column.com/docs/api
  baseURL: https://api.column.com
  tags:
  - Book Transfers
  properties:
  - type: OpenAPI
    url: openapi/column-book-transfers-api-openapi.yml
- aid: column:column-check-transfers-api
  name: Column Check Transfers API
  description: The Check Transfers API from Column — 3 operation(s) for check transfers.
  humanURL: https://column.com/docs/api
  baseURL: https://api.column.com
  tags:
  - Check Transfers
  properties:
  - type: OpenAPI
    url: openapi/column-check-transfers-api-openapi.yml
- aid: column:column-counterparties-api
  name: Column Counterparties API
  description: The Counterparties API from Column — 2 operation(s) for counterparties.
  humanURL: https://column.com/docs/api
  baseURL: https://api.column.com
  tags:
  - Counterparties
  properties:
  - type: OpenAPI
    url: openapi/column-counterparties-api-openapi.yml
- aid: column:column-entities-api
  name: Column Entities API
  description: The Entities API from Column — 4 operation(s) for entities.
  humanURL: https://column.com/docs/api
  baseURL: https://api.column.com
  tags:
  - Entities
  properties:
  - type: OpenAPI
    url: openapi/column-entities-api-openapi.yml
- aid: column:column-events-api
  name: Column Events API
  description: The Events API from Column — 2 operation(s) for events.
  humanURL: https://column.com/docs/api
  baseURL: https://api.column.com
  tags:
  - Event
  tags_raw:
  - Events
  properties:
  - type: OpenAPI
    url: openapi/column-events-api-openapi.yml
- aid: column:column-international-wires-api
  name: Column International Wires API
  description: The International Wires API from Column — 2 operation(s) for international wires.
  humanURL: https://column.com/docs/api
  baseURL: https://api.column.com
  tags:
  - International Wires
  properties:
  - type: OpenAPI
    url: openapi/column-international-wires-api-openapi.yml
- aid: column:column-realtime-transfers-api
  name: Column Realtime Transfers API
  description: The Realtime Transfers API from Column — 2 operation(s) for realtime transfers.
  humanURL: https://column.com/docs/api
  baseURL: https://api.column.com
  tags:
  - Realtime Transfers
  properties:
  - type: OpenAPI
    url: openapi/column-realtime-transfers-api-openapi.yml
- aid: column:column-webhooks-api
  name: Column Webhooks API
  description: The Webhooks API from Column — 2 operation(s) for webhooks.
  humanURL: https://column.com/docs/api
  baseURL: https://api.column.com
  tags:
  - Webhook
  tags_raw:
  - Webhooks
  properties:
  - type: OpenAPI
    url: openapi/column-webhooks-api-openapi.yml
- aid: column:column-wire-transfers-api
  name: Column Wire Transfers API
  description: The Wire Transfers API from Column — 2 operation(s) for wire transfers.
  humanURL: https://column.com/docs/api
  baseURL: https://api.column.com
  tags:
  - Wire Transfers
  properties:
  - type: OpenAPI
    url: openapi/column-wire-transfers-api-openapi.yml
common:
- type: CapabilityMap
  url: capabilities/column-capability-edges.yml
  name: Column Business Capability Map
- type: Webhooks
  url: https://docs.column.com/api/webhooks/
- type: Sandbox
  url: https://docs.column.com/guides/sandbox-and-testing
- type: APIReference
  url: https://docs.column.com/api/
- type: StatusPage
  url: https://status.column.com
- type: ChangeLog
  url: https://column.com/changelog/
- type: GettingStarted
  url: https://docs.column.com/guides/getting-started
- type: Login
  url: https://dashboard.column.com/login
- type: AgenticAccess
  url: agentic-access/column-agentic-access.yml
- type: DomainSecurity
  url: security/column-domain-security.yml
- type: Authentication
  url: authentication/column-authentication.yml
- type: LinkedIn
  url: https://www.linkedin.com/company/column-bank
- type: Website
  url: https://column.com/
- url: https://column.com/blog
  type: Blog
- type: Plans
  url: plans/column-plans-pricing.yml
- type: RateLimits
  url: rate-limits/column-rate-limits.yml
- type: FinOps
  url: finops/column-finops.yml
- type: LlmsText
  url: https://column.com/llms.txt
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

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