Current

Current (Finco Services, Inc.) is a New York City-based U.S. financial technology company operating a mobile-first consumer banking platform serving over six million members. Through partner banks Choice Financial Group and Cross River Bank it offers fee-free spending accounts with early direct deposit (up to two days early), fee-free overdraft, and paycheck advances; Savings Pods earning competitive APY with automated Round-Ups; the Build Card for responsible credit building without a traditional credit check; fee-free cryptocurrency trading; and teen banking accounts with parental controls and automatic allowances. Current is a technology company, not a bank. It does NOT publish a first-party public developer API or developer portal — no developer.current.com (does not resolve), current.com/developers and current.com/api return 404, and api.current.com is an undocumented mobile-app backend. Programmatic access to member account data is available only through third-party open-finance aggregators (Plaid), on a consumer-permissioned basis. This profile captures the company's public web, legal, and security surface and its aggregator-only data-access posture.

Current publishes 1 API on the APIs.io network. Tagged areas include Company, Fintech, Neobank, Consumer Banking, and Personal Finance.

Current’s developer surface includes support, engineering blog, and 5 more developer resources.

🌐 Visit website 📡 Source on GitHub

11.5/100 emerging ▬ flat Agent 0/100 human only saas Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0

1 APIs

Company Fintech Neobank Consumer Banking Personal Finance Payments Credit Building Savings Mobile Banking United States Open Finance Aggregator Access

Kin Score

Kin Score How this is scored →
scored 2026-09-08 · rubric v0.20.0

Composite quality — 11.5/100 · emerging

Contract Quality 0.0 / 21

Developer Ergonomics 2.8 / 17

Access Clarity 3.6 / 17

Operational Transparency 0.0 / 11

Contract Governance 0.0 / 10

Discoverability 5.0 / 9

Regulatory Posture 2.7 / 15

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 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 Well-Known Document 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.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

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/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from github.com/api-evangelist/current: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 1

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

Current Consumer Data Access (Aggregator-Only)

Current does not expose a first-party public API or developer portal. The only documented, programmatic path to a member's Current account data (balances, transaction history, a...

Security Posture 1

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Current Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Resources

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 3

The organization behind the API

Website

Website

Blog

Blog

LinkedIn

Source (apis.yml)

aid: current
name: Current
kind: company
description: Current (Finco Services, Inc.) is a New York City-based U.S. financial technology company operating a mobile-first
  consumer banking platform serving over six million members. Through partner banks Choice Financial Group and Cross River
  Bank it offers fee-free spending accounts with early direct deposit (up to two days early), fee-free overdraft, and paycheck
  advances; Savings Pods earning competitive APY with automated Round-Ups; the Build Card for responsible credit building
  without a traditional credit check; fee-free cryptocurrency trading; and teen banking accounts with parental controls and
  automatic allowances. Current is a technology company, not a bank. It does NOT publish a first-party public developer API
  or developer portal — no developer.current.com (does not resolve), current.com/developers and current.com/api return 404,
  and api.current.com is an undocumented mobile-app backend. Programmatic access to member account data is available only
  through third-party open-finance aggregators (Plaid), on a consumer-permissioned basis. This profile captures the company's
  public web, legal, and security surface and its aggregator-only data-access posture.
url: https://raw.githubusercontent.com/api-evangelist/current/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: unknown
  trial: false
  try_now: false
  public: false
  label: No first-party API · Aggregator-only data access (Plaid)
  confidence: high
  source:
  - developer-portal-probe
  - aggregator-posture
  generated: '2026-07-23'
  method: derived
image: https://cdn.current.com/images/brochure-site/canonical-og-2024.jpg
x-type: company
x-source: vc-portfolio
x-backed-by:
- a16z
- qed-investors
- sapphire-ventures
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-23'
tags:
- Company
- Fintech
- Neobank
- Consumer Banking
- Personal Finance
- Payments
- Credit Building
- Savings
- Mobile Banking
- United States
- Open Finance
- Aggregator Access
apis:
- aid: current:current-data-access
  name: Current Consumer Data Access (Aggregator-Only)
  description: 'Current does not expose a first-party public API or developer portal. The only documented, programmatic path
    to a member''s Current account data (balances, transaction history, account and identity details, and account/routing
    verification for ACH) is through consumer-permissioned open-finance aggregators — Plaid is the documented connector for
    Current. Access is mediated by the aggregator, not by a Current-published API contract: there is no downloadable OpenAPI,
    Swagger, or Postman collection, no first-party OAuth authorization server, and no published baseURL. Integration follows
    the aggregator''s own developer program, credentials, and consent flow. This entry is recorded honestly as an aggregator-only
    posture, not a Current-owned API product.'
  humanURL: https://plaid.com/institutions/
  tags:
  - Open Finance
  - Aggregator Access
  - Consumer Banking
  - United States
  - Plaid
  properties:
  - type: Documentation
    url: https://plaid.com/docs/
  - type: Documentation
    url: https://www.openbankingtracker.com/provider/current
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://current.com/
- type: Support
  url: https://support.current.com/hc/en-us
- type: Blog
  url: https://current.com/blog/
- type: TermsOfService
  url: https://current.com/terms_of_service/
- type: PrivacyPolicy
  url: https://current.com/docs/current_privacy_policy/
- type: LinkedIn
  url: https://www.linkedin.com/company/current
- type: DomainSecurity
  url: security/current-domain-security.yml
x-enrichment:
  date: '2026-07-23'
  status: deepened
  pass: deepen-v1
  note: Researched real API surface. No first-party developer portal or downloadable specs exist; access is aggregator-only
    via Plaid. Added honest aggregator data-access entry, verified common links, corrected identity (partner banks Choice
    Financial Group + Cross River Bank), and did NOT attribute the unrelated github.com/current-finance DeFi org.

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