# Cuenca

**Canonical:** https://apis.io/providers/cuenca/  
**Website:** https://cuenca.com  
**APIs profiled:** 1

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.

## Kin Score — 40.9 / 100 (developing)

Scored 2026-08-30 under rubric 0.17.2. Trend: flat (+0.0 from 40.9).

| Facet | Score |
|---|---|
| Discoverability | 75.9 |
| Contract Quality | 42.7 |
| Governance | 4.5 |
| Contract Governance | 4.5 |
| Operational Transparency | 26.3 |
| Developer Ergonomics | 61.3 |
| Commercial Clarity | 31.6 |
| Access Clarity | 31.6 |

Regulatory layer — **Banking & Open Finance**: 31.6 (matched via tags).

## Agent readiness — 26.8 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | bearer |
| Idempotency | documented |
| Error Semantics | documented |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | yes |
| Agent Skills | derived |
| 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

Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: medium).

## APIs (1)

- **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)

- **Cuenca MCP Server**

## Security (2)

- **Cuenca Authentication** — http-basic/jwt/session-token · 4 schemes
- **Cuenca Domain Security** — TLSv1.3 · DMARC

## Tags

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

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