DebtBook

DebtBook (a trademark of Fifth Asset, Inc., Charlotte, NC) is a cloud-based treasury and accounting software platform built for public finance teams — state and local government, K-12 and higher education, healthcare, and nonprofits. The platform covers debt management, cash management, investment management, contract management, and lease/subscription accounting under GASB 87, GASB 96 and ASC 842, plus an AI layer (Insights and the Marty analyst) that produces daily briefings and plain-English answers over an organization's treasury data. DebtBook's Cash Management product pulls real-time bank account data into the platform through a secure API integration powered by Koxa's Treasury Gateway, connecting customers to accounts at PNC, Regions Bank, Bank of America, JPMorgan, Wells Fargo and a growing list of US banks. As of this profile DebtBook publishes no public developer portal, no API reference, and no machine-readable API contract — its API surface is an inbound, contracted integration governed by published API integration terms rather than a self-service developer program.

DebtBook is profiled on the APIs.io network. Tagged areas include Company, Treasury Management, Government, Public Finance, and Debt Management.

DebtBook’s developer surface includes support, engineering blog, pricing, signup flow, legal docs, changelog, authentication, and 21 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

30.9/100 thin ▬ flat Agent 15/100 agent aware Front door AI 1/6 silent Heartbeat 95/100 alive saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

0 APIs

Company Treasury Management Government Public Finance Debt Management Cash Management Accounting Lease Accounting Investment Management Non-Profit Higher Education Healthcare Software-as-a-Service

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 30.9/100 · thin

Contract Quality 0.0 / 21

Developer Ergonomics 3.2 / 17

Access Clarity 10.3 / 17

Operational Transparency 4.7 / 11

Contract Governance 1.9 / 10

Discoverability 4.1 / 9

Regulatory Posture 5.3 / 15

Agent readiness — 15/100 · agent aware

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 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 6 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 6 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Education & Research 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/.

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Agent readiness — checks not met, largest first (exact, from this profile):

Machine-Readable Contract +18 pts — api_specs includes an OpenAPI document
MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0

10 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Contract Quality scores 0.0 — up to +25.0 composite points
Developer Ergonomics scores 19.0 — up to +16.2 composite points
Contract Governance scores 18.2 — up to +9.8 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

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 the provider profile at artifacts.apis.io/debtbook/apis.yml: open an issue on github.com/api-evangelist/debtbook to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
Government Cloud (FedRAMP, GovRAMP, G-Cloud)	standard	34.5 (thin)	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Standards implemented 1

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

Dynamic Client Registration

measured — observed by APIs.io (published)

Security Posture 4

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

Debtbook Authentication

openIdConnect/oauth2 · 1 scheme

SECURITY

Debtbook Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Debtbook Vulnerability Disclosure

Hackerone · contact published

SECURITY

Debtbook Trust Center

SOC 1 Type 1, SOC 1 Type 2, SOC 2 Type 1, SOC 2 Type 2, CSA STAR Level One

SECURITY

Resources

Get Started 2

Portal, sign-up, and the first successful call

SignUp

SignUp

Login

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

WellKnown

WellKnown

LLMsTxt

LLMsTxt

Design & Contract 2

Pagination, idempotency, versioning, errors, and events

Lifecycle

Lifecycle

Conformance

Conformance

Build 1

SDKs, sample code, and the tooling you integrate with

Packages

Packages

Access & Security 8

Authentication, authorization, and security posture

DomainSecurity

Security

SecurityPolicy

TrustCenter

Compliance

TrustCenter

VulnerabilityDisclosure

VulnerabilityDisclosure

Authentication

Authentication

Scroll for all 8

Operate 5

Status, limits, changes, and where to get help

Support

HelpCenter

ChangeLog

ChangeLog

StatusPage

Commercial 4

Pricing, plans, and the legal terms of use

Pricing

TermsOfService

PrivacyPolicy

Legal

Company 2

The organization behind the API

Website

Website

Blog

Blog

Other 2

Properties that don't map to a standard resource type

SecondaryMarket

SecondaryMarket

OpenIDConnect

OpenIDConnect

Source (apis.yml)

aid: debtbook
name: DebtBook
description: DebtBook (a trademark of Fifth Asset, Inc., Charlotte, NC) is a cloud-based treasury and accounting software
  platform built for public finance teams — state and local government, K-12 and higher education, healthcare, and nonprofits.
  The platform covers debt management, cash management, investment management, contract management, and lease/subscription
  accounting under GASB 87, GASB 96 and ASC 842, plus an AI layer (Insights and the Marty analyst) that produces daily briefings
  and plain-English answers over an organization's treasury data. DebtBook's Cash Management product pulls real-time bank
  account data into the platform through a secure API integration powered by Koxa's Treasury Gateway, connecting customers
  to accounts at PNC, Regions Bank, Bank of America, JPMorgan, Wells Fargo and a growing list of US banks. As of this profile
  DebtBook publishes no public developer portal, no API reference, and no machine-readable API contract — its API surface
  is an inbound, contracted integration governed by published API integration terms rather than a self-service developer program.
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: Unknown
  confidence: low
  source:
  - authentication
  - security
  generated: '2026-11-06'
  method: derived
image: https://www.debtbook.com/hs-fs/hubfs/DB-Logo_Blue-MD.png
url: https://raw.githubusercontent.com/api-evangelist/debtbook/refs/heads/main/apis.yml
x-type: company
x-source: harvest:secondary-market
specificationVersion: '0.23'
created: '2026-08-04'
modified: '2026-08-04'
tags:
- Company
- Treasury Management
- Government
- Public Finance
- Debt Management
- Cash Management
- Accounting
- Lease Accounting
- Investment Management
- Non-Profit
- Higher Education
- Healthcare
- Software-as-a-Service
tags_raw:
- Company
- Treasury Management
- Government
- Public Finance
- Debt Management
- Cash Management
- Accounting
- Lease Accounting
- Investment Management
- Nonprofit
- Higher Education
- Healthcare
- SaaS
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: DomainSecurity
  url: security/debtbook-domain-security.yml
- type: Website
  url: https://www.debtbook.com/
- type: SecondaryMarket
  url: https://forgeglobal.com/debtbook_stock/
- type: Support
  url: https://support.debtbook.com/en/
- type: HelpCenter
  url: https://support.debtbook.com/en/
- type: Blog
  url: https://www.debtbook.com/blog
- type: Pricing
  url: https://www.debtbook.com/pricing
- type: SignUp
  url: https://www.debtbook.com/demo
- type: Login
  url: https://app.debtbook.com/
- type: TermsOfService
  url: https://www.debtbook.com/terms-of-use
- type: PrivacyPolicy
  url: https://www.debtbook.com/privacy-policy
- type: Legal
  url: https://www.debtbook.com/legal
- type: ChangeLog
  url: https://www.debtbook.com/release-notes
- type: ChangeLog
  name: DebtBook release notes (harvested)
  url: changelog/debtbook-changelog.yml
- type: StatusPage
  url: https://status.debtbook.com/
- type: Security
  url: https://www.debtbook.com/vdp
- type: SecurityPolicy
  url: https://www.debtbook.com/security
- type: TrustCenter
  url: https://trust.debtbook.com/
- type: Compliance
  url: https://trust.debtbook.com/
- type: TrustCenter
  name: DebtBook trust center (harvested)
  url: security/debtbook-trust-center.yml
- type: VulnerabilityDisclosure
  url: security/debtbook-vulnerability-disclosure.yml
- type: Lifecycle
  url: lifecycle/debtbook-lifecycle.yml
- type: Conformance
  url: conformance/debtbook-conformance.yml
- type: WellKnown
  url: well-known/debtbook-well-known.yml
- type: OpenIDConnect
  url: well-known/debtbook-openid-configuration.json
- type: Authentication
  url: authentication/debtbook-authentication.yml
- type: LLMsTxt
  url: llms/debtbook-llms.txt
- type: Packages
  url: packages/debtbook-packages.yml
x-enrichment:
  date: '2026-08-04'
  status: enriched
  artifacts_added: 12
  pass: local-v1

DebtBook API — frequently asked questions

How do I authenticate with the DebtBook API?

DebtBook documents its authentication (openIdConnect/oauth2 · 1 scheme). The details are profiled on APIs.io as Debtbook Authentication.

Is the DebtBook API ready for AI agents?

DebtBook has a Kin Score of 30.9 out of 100 (thin) and an Agent Readiness score of 15.1 (agent-aware), scored by API Evangelist on 2026-11-06.

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