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

40.9/100 developing ▬ flat Agent 27/100 agent aware saas Full breakdown ↓
scored 2026-08-30 · rubric v0.17.2

AccessSelf serve

1 APIs 1 MCP Servers

Company Fintech Payments Banking Neobank SPEI Card Issuing Money Transfer Mexico KYC

Kin Score

Kin Score How this is scored →
scored 2026-08-30 · rubric v0.17.2

Composite quality — 40.9/100 · developing

Contract Quality 9.1 / 21

Developer Ergonomics 10.4 / 17

Access Clarity 5.4 / 17

Operational Transparency 2.9 / 11

Contract Governance 0.5 / 10

Discoverability 6.5 / 9

Regulatory Posture 4.7 / 15

Agent readiness — 27/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 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 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 Surface 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.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% 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/. 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 1

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

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 1

Model Context Protocol servers that expose these APIs to AI agents.

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

AgentSkill

LLMsTxt

WellKnown

Design & Contract 8

Pagination, idempotency, versioning, errors, and events

Conventions

Idempotency

ErrorCatalog

Lifecycle

DataModel

Conformance

Webhooks

Components

Scroll for all 8

Build 4

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

Packages

SDKs

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)

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
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  generated: '2026-07-22'
  method: derived
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: '0.23'
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

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