Current website screenshot

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
16.1/100 emerging ▬ flat Agent 0/100 human only Full breakdown ↓
scored 2026-07-27 · rubric v0.5
1 APIs
CompanyFintechNeobankConsumer BankingPersonal FinancePaymentsCredit BuildingSavingsMobile BankingUnited StatesOpen FinanceAggregator Access

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 16.1/100 · emerging
Contract Quality 0.0 / 25
Developer Ergonomics 1.3 / 20
Commercial Clarity 4.2 / 20
Operational Transparency 0.0 / 13
Governance 0.0 / 12
Discoverability 8.0 / 10
Agent readiness — 0/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
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
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/current: 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.

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
LinkedIn

Source (apis.yml)

apis.yml Raw ↑ 
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
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: '0.19'
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.