# Currencycloud **Canonical:** https://apis.io/providers/currencycloud/ **Website:** https://www.currencycloud.com **APIs profiled:** 2 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. ## Kin Score — 59.7 / 100 (strong) Scored 2026-08-30 under rubric 0.17.2. Trend: flat (-0.6 from 60.3). | Facet | Score | |---|---| | Discoverability | 75.9 | | Contract Quality | 59.4 | | Governance | 4.5 | | Contract Governance | 4.5 | | Operational Transparency | 81.6 | | Developer Ergonomics | 75.6 | | Commercial Clarity | 50.0 | | Access Clarity | 50.0 | Regulatory layer — **Banking & Open Finance**: 38.0 (matched via tags). ## Agent readiness — 38.2 (agent-ready) | Dimension | Value | |---|---| | Spec Presence | yes | | Agentic Access | derived | | Reversibility Documented | documented | | MCP Server | no | | Auth Clarity | bearer | | Idempotency | documented | | Error Semantics | verified | | OpenAPI Examples | partial | | Rate Limit Signal | documented | | 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 (27) - **Currencycloud Account Usage API** — The Account Usage API from Currencycloud — 1 operation(s) for account usage. - **Currencycloud Accounts API** — 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 wi... - **Currencycloud Authenticate API** — Authenticate to gain access to the API. Log in to your Currencycloud account using your API Key and log out to terminate your session. - **Currencycloud Balances API** — Provides access to view balance information. View the balances that you currently hold in different currencies on your Currencycloud account. - **Currencycloud Beneficiaries API** — Create, search and manage the list of individuals or companies that you send payments to. - **Currencycloud Business Information API** — The Business Information API from Currencycloud — 1 operation(s) for business information. - **Currencycloud Contacts API** — Create, search and manage the list of users that have access in your Currencycloud account or associated sub-accounts. - **Currencycloud Conversions API** — Find, retrieve and create a live currency conversion. You can also create and manage the live conversion of funds between two currencies. - **Currencycloud Country API** — The Country API from Currencycloud — 2 operation(s) for country. - **Currencycloud Currency API** — The Currency API from Currencycloud — 1 operation(s) for currency. - **Currencycloud Demo API** — Requests that are only available in the Demo environment. - **Currencycloud Document Images API** — The Document Images API from Currencycloud — 2 operation(s) for document images. - **Currencycloud Documents API** — The Documents API from Currencycloud — 2 operation(s) for documents. - **Currencycloud Form API** — The Form API from Currencycloud — 3 operation(s) for form. - **Currencycloud Funding API** — Find funding accounts that can be used to settle and collect funds in each available currency. - **Currencycloud Payers API** — View information relating to the 'payer' for a payment that has been initiated through the platform. - **Currencycloud Payments API** — Create, search, manage and action all of your domestic and international payments through this API. - **Currencycloud People API** — The People API from Currencycloud — 2 operation(s) for people. - **Currencycloud Quotes API** — Create new quotes to use for held rates conversions. - **Currencycloud Rates API** — Super fast real-time access to live foreign exchange rates through the Currencycloud platform. - **Currencycloud Reference API** — Easy access to view important data relevant to your Currencycloud account including beneficiary details, conversion dates, available currencies, payer required details, payment ... - **Currencycloud Reporting API** — Ability to create and retrieve reports. - **Currencycloud Sender API** — Sender of funds. - **Currencycloud Transaction Approval API** — The Transaction Approval API from Currencycloud — 1 operation(s) for transaction approval. - **Currencycloud Transactions API** — View balances and all pending and completed transactions in your Currencycloud account, as well as associated sub-account balances and transactions. - **Currencycloud Transfers API** — Search, retrieve and create a transfer of funds between your Currencycloud account and associated sub-accounts. - **Currencycloud Withdrawal Accounts API** — Manage withdrawal accounts ## MCP servers (1) - **Currencycloud MCP Server** ## Agentic access (1) - **Currencycloud Agentic Access** — 111 operations · 55 acting ## Security (3) - **Currencycloud Authentication** — apiKey · 1 scheme - **Currencycloud Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC - **Currencycloud Trust Center** — ISO/IEC 27001:2022, ISO/IEC 27018, PCI DSS Level 1, SOC 1, SOC 2, SOC 3, FIPS, GDPR, UK DPA ## Tags Company, Fintech, Payments, Foreign Exchange, Cross-Border Payments, Money Transfer, Currency Conversion, Banking --- Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/currencycloud/). Scores are computed from the provider's own public artifacts under a published rubric.