# Curve

**Canonical:** https://apis.io/providers/curve/  
**Website:** https://www.curve.com  
**APIs profiled:** 0

Curve is a London-based fintech, founded in 2015 by Shachar Bialick, that consolidates multiple debit and credit cards into a single smart card and mobile wallet. Its "over-the-top" banking platform lets customers spend from any linked Mastercard or Visa card, switch the funding source of a past purchase up to 120 days later with "Go Back in Time", avoid foreign-exchange fees, earn cashback, and pay in instalments with Curve Flex. Premium tiers (Curve Pay X / Pro / Pro+) add insurance, lounge access, and richer rewards. Curve is backed by Seedcamp and Speedinvest among others. Curve does not publish a public developer API — it acts as an open-banking consumer to aggregate customer account balances rather than exposing a provider API.

## Kin Score — 11.1 / 100 (emerging)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 11.1).

| Facet | Score |
|---|---|
| Discoverability | 50.0 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 15.8 |
| Developer Ergonomics | 7.1 |
| Commercial Clarity | 21.1 |
| Access Clarity | 21.1 |

Regulatory layer — **Payments**: 21.9 (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

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## Security (1)

- **Curve Domain Security** — TLSv1.3 · DNSSEC · DMARC

## Tags

Company, Fintech, Payments, Digital Wallet, Cards, Open Banking, Financial-Services

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