# Current

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

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.

## Kin Score — 9.6 / 100 (minimal)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 9.6).

| Facet | Score |
|---|---|
| Discoverability | 59.3 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 7.1 |
| Commercial Clarity | 21.1 |
| Access Clarity | 21.1 |

Regulatory layer — **Banking & Open Finance**: 17.7 (matched via tags).

## Agent readiness — 0.0 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

No first-party API · Aggregator-only data access (Plaid) — onboarding: unknown, pricing: unknown, trial: no (confidence: high).

## APIs (1)

- **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 (1)

- **Current Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

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

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