Currencycloud

Currencycloud is a cross-border payments and foreign-exchange platform, part of Visa, that provides a robust, predictable REST API for converting money between currencies, holding multi-currency balances, and making payments around the world. Its API v2 spans 18 domains — authentication, accounts and sub-accounts, balances, beneficiaries, contacts, conversions, funding, payers, payments, quotes, rates, reference data, reporting, transactions, transfers and withdrawal accounts — and lets businesses dynamically register sub-accounts to offer white-labelled money-transfer services to their own customers. Currencycloud is an FCA-authorised Electronic Money Institution (registration #900199) and a FinCEN-registered money transmitter, and publishes official SDKs for JavaScript, Python, Ruby, PHP, Java and .NET.

Currencycloud publishes 27 APIs on the APIs.io network, including Account Usage API, Accounts API, Authenticate API, and 24 more. Tagged areas include Company, Fintech, Payments, Foreign Exchange, and Cross-Border Payments.

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

Currencycloud’s developer surface includes documentation, API reference, getting-started guide, authentication, signup flow, support, changelog, and 30 more developer resources.

🌐 Visit website 📡 Source on GitHub

59.7/100 strong ▬ flat Agent 38/100 agent ready saas Full breakdown ↓
scored 2026-08-30 · rubric v0.17.2

AccessSelf serve

2 APIs 1 MCP Servers

Company Fintech Payments Foreign Exchange Cross-Border Payments Money Transfer Currency Conversion Banking

What this lets a business do 1

Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →

Payments & Card Management

BC-1340

Payments

POST /payments/create POST /payments/authorise

Kin Score

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

Composite quality — 59.7/100 · strong

Contract Quality 12.6 / 21

Developer Ergonomics 12.9 / 17

Access Clarity 8.5 / 17

Operational Transparency 9.0 / 11

Contract Governance 0.5 / 10

Discoverability 6.5 / 9

Regulatory Posture 5.7 / 15

Agent readiness — 38/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 6 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 9 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 7 / 7

Rate-Limit Signaling 7 / 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/currencycloud: 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 27

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

Open Collections 28

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

MCP Servers 1

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

Currencycloud MCP Server

MCP SERVER

Rate Limits 1

Documented rate limits and quota policies.

Get Started 4

Portal, sign-up, and the first successful call

DeveloperPortal

GettingStarted

SignUp

Sandbox

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 5

MCP servers, agent skills, and machine-readable catalogs

MCPServer

LLMsTxt

WellKnown

AgentSkill

AgenticAccess

Design & Contract 7

Pagination, idempotency, versioning, errors, and events

Conformance

ErrorCatalog

Lifecycle

Conventions

Idempotency

DataModel

Webhooks

Scroll for all 7

Build 5

SDKs, sample code, and the tooling you integrate with

PostmanWorkspace

PostmanWorkspace

GitHubOrganization

Postman

SDKs

Packages

Access & Security 4

Authentication, authorization, and security posture

Authentication

Compliance

TrustCenter

DomainSecurity

Operate 5

Status, limits, changes, and where to get help

Support

StatusPage

Deprecation

ChangeLog

RateLimits

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 1

The organization behind the API

Website

Website

Other 2

Properties that don't map to a standard resource type

CapabilityMap

CapabilityMap

Overlay

Overlay

Source (apis.yml)

aid: currencycloud
name: Currencycloud
description: 'Currencycloud is a cross-border payments and foreign-exchange platform, part of Visa, that provides a robust,
  predictable REST API for converting money between currencies, holding multi-currency balances, and making payments around
  the world. Its API v2 spans 18 domains — authentication, accounts and sub-accounts, balances, beneficiaries, contacts, conversions,
  funding, payers, payments, quotes, rates, reference data, reporting, transactions, transfers and withdrawal accounts — and
  lets businesses dynamically register sub-accounts to offer white-labelled money-transfer services to their own customers.
  Currencycloud is an FCA-authorised Electronic Money Institution (registration #900199) and a FinCEN-registered money transmitter,
  and publishes official SDKs for JavaScript, Python, Ruby, PHP, Java and .NET.'
url: https://raw.githubusercontent.com/api-evangelist/currencycloud/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- anthemis
- gv
- sapphire-ventures
x-tier: stub
x-tier-reason: portfolio-lead
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: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  generated: '2026-07-22'
  method: derived
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-18'
image: https://raw.githubusercontent.com/CurrencyCloud/currencycloud-swagger/master/apps/website/public/images/introduction-header.png
tags:
- Company
- Fintech
- Payments
- Foreign Exchange
- Cross-Border Payments
- Money Transfer
- Currency Conversion
- Banking
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
apis:
- aid: currencycloud:currencycloud-account-usage-api
  name: Currencycloud Account Usage API
  description: The Account Usage API from Currencycloud — 1 operation(s) for account usage.
  humanURL: https://developer.currencycloud.com/api-reference/
  baseURL: https://api.currencycloud.com/v2
  tags:
  - Account Usage
  properties:
  - type: OpenAPI
    url: openapi/currencycloud-account-usage-api-openapi.yml
  - type: Sandbox
    url: sandbox/currencycloud-sandbox.yml
- aid: currencycloud:currencycloud-accounts-api
  name: Currencycloud Accounts API
  description: Create, search and update your Currencycloud account and any associated sub-accounts. Also provides you with
    the ability to use your own reference IDs for easy reconciliation with your internal systems.
  humanURL: https://developer.currencycloud.com/api-reference/
  baseURL: https://api.currencycloud.com/v2
  tags:
  - Account
  tags_raw:
  - Accounts
  properties:
  - type: OpenAPI
    url: openapi/currencycloud-accounts-api-openapi.yml
  - type: Sandbox
    url: sandbox/currencycloud-sandbox.yml
- aid: currencycloud:currencycloud-authenticate-api
  name: Currencycloud Authenticate API
  description: Authenticate to gain access to the API. Log in to your Currencycloud account using your API Key and log out
    to terminate your session.
  humanURL: https://developer.currencycloud.com/api-reference/
  baseURL: https://api.currencycloud.com/v2
  tags:
  - Authenticate
  properties:
  - type: OpenAPI
    url: openapi/currencycloud-authenticate-api-openapi.yml
  - type: Sandbox
    url: sandbox/currencycloud-sandbox.yml
- aid: currencycloud:currencycloud-balances-api
  name: Currencycloud Balances API
  description: Provides access to view balance information. View the balances that you currently hold in different currencies
    on your Currencycloud account.
  humanURL: https://developer.currencycloud.com/api-reference/
  baseURL: https://api.currencycloud.com/v2
  tags:
  - Balances
  properties:
  - type: OpenAPI
    url: openapi/currencycloud-balances-api-openapi.yml
  - type: Sandbox
    url: sandbox/currencycloud-sandbox.yml
- aid: currencycloud:currencycloud-beneficiaries-api
  name: Currencycloud Beneficiaries API
  description: Create, search and manage the list of individuals or companies that you send payments to.
  humanURL: https://developer.currencycloud.com/api-reference/
  baseURL: https://api.currencycloud.com/v2
  tags:
  - Beneficiaries
  properties:
  - type: OpenAPI
    url: openapi/currencycloud-beneficiaries-api-openapi.yml
  - type: Sandbox
    url: sandbox/currencycloud-sandbox.yml
- aid: currencycloud:currencycloud-business-information-api
  name: Currencycloud Business Information API
  description: The Business Information API from Currencycloud — 1 operation(s) for business information.
  humanURL: https://developer.currencycloud.com/api-reference/
  baseURL: https://api.currencycloud.com/v2
  tags:
  - Business Information
  properties:
  - type: OpenAPI
    url: openapi/currencycloud-business-information-api-openapi.yml
  - type: Sandbox
    url: sandbox/currencycloud-sandbox.yml
- aid: currencycloud:currencycloud-contacts-api
  name: Currencycloud Contacts API
  description: Create, search and manage the list of users that have access in your Currencycloud account or associated sub-accounts.
  humanURL: https://developer.currencycloud.com/api-reference/
  baseURL: https://api.currencycloud.com/v2
  tags:
  - Contacts
  properties:
  - type: OpenAPI
    url: openapi/currencycloud-contacts-api-openapi.yml
  - type: Sandbox
    url: sandbox/currencycloud-sandbox.yml
- aid: currencycloud:currencycloud-conversions-api
  name: Currencycloud Conversions API
  description: Find, retrieve and create a live currency conversion. You can also create and manage the live conversion of
    funds between two currencies.
  humanURL: https://developer.currencycloud.com/api-reference/
  baseURL: https://api.currencycloud.com/v2
  tags:
  - Conversions
  properties:
  - type: OpenAPI
    url: openapi/currencycloud-conversions-api-openapi.yml
  - type: Sandbox
    url: sandbox/currencycloud-sandbox.yml
- aid: currencycloud:currencycloud-country-api
  name: Currencycloud Country API
  description: The Country API from Currencycloud — 2 operation(s) for country.
  humanURL: https://developer.currencycloud.com/api-reference/
  baseURL: https://api.currencycloud.com/v2
  tags:
  - Country
  properties:
  - type: OpenAPI
    url: openapi/currencycloud-country-api-openapi.yml
  - type: Sandbox
    url: sandbox/currencycloud-sandbox.yml
- aid: currencycloud:currencycloud-currency-api
  name: Currencycloud Currency API
  description: The Currency API from Currencycloud — 1 operation(s) for currency.
  humanURL: https://developer.currencycloud.com/api-reference/
  baseURL: https://api.currencycloud.com/v2
  tags:
  - Currency
  properties:
  - type: OpenAPI
    url: openapi/currencycloud-currency-api-openapi.yml
  - type: Sandbox
    url: sandbox/currencycloud-sandbox.yml
- aid: currencycloud:currencycloud-demo-api
  name: Currencycloud Demo API
  description: Requests that are only available in the Demo environment.
  humanURL: https://developer.currencycloud.com/api-reference/
  baseURL: https://api.currencycloud.com/v2
  tags:
  - Demo
  properties:
  - type: OpenAPI
    url: openapi/currencycloud-demo-api-openapi.yml
  - type: Sandbox
    url: sandbox/currencycloud-sandbox.yml
- aid: currencycloud:currencycloud-document-images-api
  name: Currencycloud Document Images API
  description: The Document Images API from Currencycloud — 2 operation(s) for document images.
  humanURL: https://developer.currencycloud.com/api-reference/
  baseURL: https://api.currencycloud.com/v2
  tags:
  - Document Images
  properties:
  - type: OpenAPI
    url: openapi/currencycloud-document-images-api-openapi.yml
  - type: Sandbox
    url: sandbox/currencycloud-sandbox.yml
- aid: currencycloud:currencycloud-documents-api
  name: Currencycloud Documents API
  description: The Documents API from Currencycloud — 2 operation(s) for documents.
  humanURL: https://developer.currencycloud.com/api-reference/
  baseURL: https://api.currencycloud.com/v2
  tags:
  - Documents
  properties:
  - type: OpenAPI
    url: openapi/currencycloud-documents-api-openapi.yml
  - type: Sandbox
    url: sandbox/currencycloud-sandbox.yml
- aid: currencycloud:currencycloud-form-api
  name: Currencycloud Form API
  description: The Form API from Currencycloud — 3 operation(s) for form.
  humanURL: https://developer.currencycloud.com/api-reference/
  baseURL: https://api.currencycloud.com/v2
  tags:
  - Form
  properties:
  - type: OpenAPI
    url: openapi/currencycloud-form-api-openapi.yml
  - type: Sandbox
    url: sandbox/currencycloud-sandbox.yml
- aid: currencycloud:currencycloud-funding-api
  name: Currencycloud Funding API
  description: Find funding accounts that can be used to settle and collect funds in each available currency.
  humanURL: https://developer.currencycloud.com/api-reference/
  baseURL: https://api.currencycloud.com/v2
  tags:
  - Funding
  properties:
  - type: OpenAPI
    url: openapi/currencycloud-funding-api-openapi.yml
  - type: Sandbox
    url: sandbox/currencycloud-sandbox.yml
- aid: currencycloud:currencycloud-payers-api
  name: Currencycloud Payers API
  description: View information relating to the 'payer' for a payment that has been initiated through the platform.
  humanURL: https://developer.currencycloud.com/api-reference/
  baseURL: https://api.currencycloud.com/v2
  tags:
  - Payers
  properties:
  - type: OpenAPI
    url: openapi/currencycloud-payers-api-openapi.yml
  - type: Sandbox
    url: sandbox/currencycloud-sandbox.yml
- aid: currencycloud:currencycloud-payments-api
  name: Currencycloud Payments API
  description: Create, search, manage and action all of your domestic and international payments through this API.
  humanURL: https://developer.currencycloud.com/api-reference/
  baseURL: https://api.currencycloud.com/v2
  tags:
  - Payments
  properties:
  - type: OpenAPI
    url: openapi/currencycloud-payments-api-openapi.yml
  - type: Sandbox
    url: sandbox/currencycloud-sandbox.yml
- aid: currencycloud:currencycloud-people-api
  name: Currencycloud People API
  description: The People API from Currencycloud — 2 operation(s) for people.
  humanURL: https://developer.currencycloud.com/api-reference/
  baseURL: https://api.currencycloud.com/v2
  tags:
  - People
  properties:
  - type: OpenAPI
    url: openapi/currencycloud-people-api-openapi.yml
  - type: Sandbox
    url: sandbox/currencycloud-sandbox.yml
- aid: currencycloud:currencycloud-quotes-api
  name: Currencycloud Quotes API
  description: Create new quotes to use for held rates conversions.
  humanURL: https://developer.currencycloud.com/api-reference/
  baseURL: https://api.currencycloud.com/v2
  tags:
  - Quotes
  properties:
  - type: OpenAPI
    url: openapi/currencycloud-quotes-api-openapi.yml
  - type: Sandbox
    url: sandbox/currencycloud-sandbox.yml
- aid: currencycloud:currencycloud-rates-api
  name: Currencycloud Rates API
  description: Super fast real-time access to live foreign exchange rates through the Currencycloud platform.
  humanURL: https://developer.currencycloud.com/api-reference/
  baseURL: https://api.currencycloud.com/v2
  tags:
  - Rates
  properties:
  - type: OpenAPI
    url: openapi/currencycloud-rates-api-openapi.yml
  - type: Sandbox
    url: sandbox/currencycloud-sandbox.yml
- aid: currencycloud:currencycloud-reference-api
  name: Currencycloud Reference API
  description: Easy access to view important data relevant to your Currencycloud account including beneficiary details, conversion
    dates, available currencies, payer required details, payment dates and settlement details.
  humanURL: https://developer.currencycloud.com/api-reference/
  baseURL: https://api.currencycloud.com/v2
  tags:
  - Reference
  properties:
  - type: OpenAPI
    url: openapi/currencycloud-reference-api-openapi.yml
  - type: Sandbox
    url: sandbox/currencycloud-sandbox.yml
- aid: currencycloud:currencycloud-reporting-api
  name: Currencycloud Reporting API
  description: Ability to create and retrieve reports.
  humanURL: https://developer.currencycloud.com/api-reference/
  baseURL: https://api.currencycloud.com/v2
  tags:
  - Reporting
  properties:
  - type: OpenAPI
    url: openapi/currencycloud-reporting-api-openapi.yml
  - type: Sandbox
    url: sandbox/currencycloud-sandbox.yml
- aid: currencycloud:currencycloud-sender-api
  name: Currencycloud Sender API
  description: Sender of funds.
  humanURL: https://developer.currencycloud.com/api-reference/
  baseURL: https://api.currencycloud.com/v2
  tags:
  - Sender
  properties:
  - type: OpenAPI
    url: openapi/currencycloud-sender-api-openapi.yml
  - type: Sandbox
    url: sandbox/currencycloud-sandbox.yml
- aid: currencycloud:currencycloud-transaction-approval-api
  name: Currencycloud Transaction Approval API
  description: The Transaction Approval API from Currencycloud — 1 operation(s) for transaction approval.
  humanURL: https://developer.currencycloud.com/api-reference/
  baseURL: https://api.currencycloud.com/v2
  tags:
  - Transaction Approval
  properties:
  - type: OpenAPI
    url: openapi/currencycloud-transaction-approval-api-openapi.yml
  - type: Sandbox
    url: sandbox/currencycloud-sandbox.yml
- aid: currencycloud:currencycloud-transactions-api
  name: Currencycloud Transactions API
  description: View balances and all pending and completed transactions in your Currencycloud account, as well as associated
    sub-account balances and transactions.
  humanURL: https://developer.currencycloud.com/api-reference/
  baseURL: https://api.currencycloud.com/v2
  tags:
  - Transaction
  tags_raw:
  - Transactions
  properties:
  - type: OpenAPI
    url: openapi/currencycloud-transactions-api-openapi.yml
  - type: Sandbox
    url: sandbox/currencycloud-sandbox.yml
- aid: currencycloud:currencycloud-transfers-api
  name: Currencycloud Transfers API
  description: Search, retrieve and create a transfer of funds between your Currencycloud account and associated sub-accounts.
  humanURL: https://developer.currencycloud.com/api-reference/
  baseURL: https://api.currencycloud.com/v2
  tags:
  - Transfers
  properties:
  - type: OpenAPI
    url: openapi/currencycloud-transfers-api-openapi.yml
  - type: Sandbox
    url: sandbox/currencycloud-sandbox.yml
- aid: currencycloud:currencycloud-withdrawal-accounts-api
  name: Currencycloud Withdrawal Accounts API
  description: Manage withdrawal accounts
  humanURL: https://developer.currencycloud.com/api-reference/
  baseURL: https://api.currencycloud.com/v2
  tags:
  - Withdrawal Accounts
  properties:
  - type: OpenAPI
    url: openapi/currencycloud-withdrawal-accounts-api-openapi.yml
  - type: Sandbox
    url: sandbox/currencycloud-sandbox.yml
common:
- type: CapabilityMap
  url: capabilities/currencycloud-capability-edges.yml
  name: Currencycloud Business Capability Map
- type: Overlay
  url: overlays/currencycloud-reference-overlay.yaml
- type: PostmanWorkspace
  url: https://www.postman.com/kinlaneapi/currencycloud/overview
- type: DeveloperPortal
  url: https://developer.currencycloud.com/
- type: Documentation
  url: https://developer.currencycloud.com/
- type: APIReference
  url: https://developer.currencycloud.com/api-reference/
- type: GettingStarted
  url: https://developer.currencycloud.com/guides/getting-started/getting-started-with-the-api/
- type: Authentication
  url: authentication/currencycloud-authentication.yml
- type: SignUp
  url: https://developer.currencycloud.com/register-for-an-api-key/
- type: Support
  url: https://support.currencycloud.com/hc/
- type: TermsOfService
  url: https://www.currencycloud.com/legal/terms
- type: PrivacyPolicy
  url: https://www.visa.co.uk/legal/global-privacy-notice.html
- type: GitHubOrganization
  url: https://github.com/CurrencyCloud
- type: StatusPage
  url: https://status.currencycloud.com/
- type: Deprecation
  url: https://developer.currencycloud.com/guides/platform-specifics/deprecation-policy/
- type: Postman
  url: https://github.com/CurrencyCloud/postman
- type: SDKs
  url: packages/currencycloud-packages.yml
- type: Packages
  url: packages/currencycloud-packages.yml
- type: MCPServer
  url: mcp/currencycloud-mcp.yml
- type: LLMsTxt
  url: llms/currencycloud-llms.txt
- type: WellKnown
  url: well-known/currencycloud-well-known.yml
- type: Conformance
  url: conformance/currencycloud-conformance.yml
- type: Compliance
  url: security/currencycloud-trust-center.yml
- type: TrustCenter
  url: security/currencycloud-trust-center.yml
- type: ErrorCatalog
  url: errors/currencycloud-error-codes.yml
- type: Lifecycle
  url: lifecycle/currencycloud-lifecycle.yml
- type: ChangeLog
  url: changelog/currencycloud-changelog.yml
- type: RateLimits
  url: rate-limits/currencycloud-rate-limits.yml
- type: Conventions
  url: conventions/currencycloud-conventions.yml
- type: Idempotency
  url: conventions/currencycloud-conventions.yml
- type: DataModel
  url: data-model/currencycloud-data-model.yml
- type: Webhooks
  url: asyncapi/currencycloud-webhooks.yml
- type: Sandbox
  url: sandbox/currencycloud-sandbox.yml
- type: AgentSkill
  url: skills/_index.yml
- type: AgenticAccess
  url: agentic-access/currencycloud-agentic-access.yml
- type: DomainSecurity
  url: security/currencycloud-domain-security.yml
- type: Website
  url: https://www.currencycloud.com
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence

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