Cuenca

Cuenca is a Mexican fintech (challenger bank / neobank) founded in 2018 that offers a banking-as-a-service REST API for moving money in Mexico. The API at api.cuenca.com covers SPEI and internal transfers, deposits, CLABE account provisioning, debit card issuing (physical and virtual), card transactions, bill payments to service providers, balances, statements, commissions, and KYC / identity validation (CURP validation, identity verification, KYC checks). It authenticates with an API key plus secret (HTTP basic), optional short-lived JWTs, and login / session tokens, exposes a sandbox at sandbox.cuenca.com, signs transfers with an idempotency key, paginates with a cursor (next_page_uri), and pushes webhooks for transaction, card, deposit and user events. Official client libraries ship for Python (cuenca) and Java (CuencaJava), with open-source tooling for CLABE validation and CEP receipts under the cuenca-mx GitHub organization.

Cuenca publishes 1 API on the APIs.io network. Tagged areas include Company, Fintech, Payments, Banking, and Neobank.

The Cuenca catalog on APIs.io includes 1 event-driven AsyncAPI specification.

Cuenca’s developer surface includes documentation, API reference, getting-started guide, support, pricing, authentication, sandbox, and 21 more developer resources.

🌐 Visit website 📡 Source on GitHub
33.2/100 thin Agent 52/100 agent ready Full breakdown ↓
scored 2026-07-20 · rubric v0.4
1 APIs 1 MCP Servers 0 Features
CompanyFintechPaymentsBankingNeobankSPEICard IssuingMoney TransferMexicoKYC

API Rating

API Evangelist API Evangelist Rating How this is scored →
scored 2026-07-20 · rubric v0.4
Composite quality — 33.2/100 · thin
Contract Quality 0.0 / 25
Developer Ergonomics 13.9 / 20
Commercial Clarity 6.3 / 20
Operational Transparency 3.8 / 13
Governance 0.0 / 12
Discoverability 9.3 / 10
Agent readiness — 52/100 · agent ready
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 12 / 12
Machine-Readable Auth 10 / 10
Idempotency 9 / 9
Stable Error Semantics 8 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 6 / 6
Agent Skills 5 / 5
Well-Known Catalog 4 / 4
Consent & Bot Identity 0 / 3
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/cuenca: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs

Cuenca API

REST API for Cuenca's banking-as-a-service platform in Mexico: SPEI / internal transfers, deposits, CLABE accounts, debit card issuing and card transactions, bill payments, bala...

MCP Servers

cuenca-mcp.yml

MCP SERVER

Event Specifications

Cuenca Webhooks

ASYNCAPI

Resources

Get Started 2

Portal, sign-up, and the first successful call

GettingStarted
GettingStarted
 Sandbox
Sandbox

Documentation 2

Reference material describing how the API behaves

Documentation
Documentation
 APIReference
APIReference

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

MCPServer
MCPServer
 AgentSkill
AgentSkill
 LLMsTxt
LLMsTxt
 WellKnown
WellKnown

Design & Contract 8

Pagination, idempotency, versioning, errors, and events

Conventions
Conventions
 Idempotency
Idempotency
 ErrorCatalog
ErrorCatalog
 Lifecycle
Lifecycle
 DataModel
DataModel
 Conformance
Conformance
 Webhooks
Webhooks
 Components
Components

Scroll for all 8

Build 4

SDKs, sample code, and the tooling you integrate with

GitHubOrganization
GitHubOrganization
 Packages
Packages
 SDKs
SDKs
 DeclineCodes
DeclineCodes

Access & Security 2

Authentication, authorization, and security posture

Authentication
Authentication
 DomainSecurity
DomainSecurity

Operate 2

Status, limits, changes, and where to get help

Support
Support
 StatusPage
StatusPage

Commercial 3

Pricing, plans, and the legal terms of use

Pricing
Pricing
 TermsOfService
TermsOfService
 PrivacyPolicy
PrivacyPolicy

Company 1

The organization behind the API

Website
Website

Source (apis.yml)

apis.yml Raw ↑ 
aid: cuenca
name: Cuenca
description: Cuenca is a Mexican fintech (challenger bank / neobank) founded in 2018 that offers a banking-as-a-service REST
  API for moving money in Mexico. The API at api.cuenca.com covers SPEI and internal transfers, deposits, CLABE account provisioning,
  debit card issuing (physical and virtual), card transactions, bill payments to service providers, balances, statements,
  commissions, and KYC / identity validation (CURP validation, identity verification, KYC checks). It authenticates with an
  API key plus secret (HTTP basic), optional short-lived JWTs, and login / session tokens, exposes a sandbox at sandbox.cuenca.com,
  signs transfers with an idempotency key, paginates with a cursor (next_page_uri), and pushes webhooks for transaction, card,
  deposit and user events. Official client libraries ship for Python (cuenca) and Java (CuencaJava), with open-source tooling
  for CLABE validation and CEP receipts under the cuenca-mx GitHub organization.
url: https://raw.githubusercontent.com/api-evangelist/cuenca/refs/heads/main/apis.yml
image: https://cuenca.com/favicon.ico
x-type: company
x-source: vc-portfolio
x-backed-by:
- a16z
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-18'
tags:
- Company
- Fintech
- Payments
- Banking
- Neobank
- SPEI
- Card Issuing
- Money Transfer
- Mexico
- KYC
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
apis:
- name: Cuenca API
  description: 'REST API for Cuenca''s banking-as-a-service platform in Mexico: SPEI / internal transfers, deposits, CLABE
    accounts, debit card issuing and card transactions, bill payments, balances, statements, webhooks, and KYC / identity
    validation. Authenticated with API key + secret (basic), JWT, and login / session tokens; sandbox at sandbox.cuenca.com.'
  humanURL: https://github.com/cuenca-mx/cuenca-python
  baseURL: https://api.cuenca.com
  tags:
  - Payments
  - Banking
  - SPEI
  - Cards
  - Transfers
  properties:
  - type: SourceCode
    url: https://github.com/cuenca-mx
common:
- type: Website
  url: https://cuenca.com
- type: GitHubOrganization
  url: https://github.com/cuenca-mx
- type: Documentation
  url: https://github.com/cuenca-mx/cuenca-python
- type: APIReference
  url: https://github.com/cuenca-mx/cuenca-python#readme
- type: GettingStarted
  url: https://github.com/cuenca-mx/cuenca-python#authentication
- type: Support
  url: https://cuenca.com/faq
- type: Pricing
  url: https://cuenca.com/comisiones
- type: TermsOfService
  url: https://cuenca.com/contrato-adhesion
- type: PrivacyPolicy
  url: https://cuenca.com/aviso-privacidad
- type: StatusPage
  url: https://cuenca.statuspage.io
- type: Packages
  url: packages/cuenca-packages.yml
- type: SDKs
  url: packages/cuenca-packages.yml
- type: Authentication
  url: authentication/cuenca-authentication.yml
- type: Conventions
  url: conventions/cuenca-conventions.yml
- type: Idempotency
  url: conventions/cuenca-conventions.yml
- type: ErrorCatalog
  url: errors/cuenca-problem-types.yml
- type: DeclineCodes
  url: errors/cuenca-decline-codes.yml
- type: Lifecycle
  url: lifecycle/cuenca-lifecycle.yml
- type: Sandbox
  url: sandbox/cuenca-sandbox.yml
- type: DataModel
  url: data-model/cuenca-data-model.yml
- type: Conformance
  url: conformance/cuenca-conformance.yml
- type: Webhooks
  url: asyncapi/cuenca-webhooks.yml
- type: Components
  url: components/cuenca-components.yml
- type: MCPServer
  url: mcp/cuenca-mcp.yml
- type: AgentSkill
  url: skills/_index.yml
- type: LLMsTxt
  url: llms/cuenca-llms.txt
- type: DomainSecurity
  url: security/cuenca-domain-security.yml
- type: WellKnown
  url: well-known/cuenca-well-known.yml
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence