Brightfield Software, operating under the Distyra brand, provides European bank data APIs that deliver raw transaction information distilled into actionable signals. Their platform offers products for data enrichment, underwriting, and compliance, tailored to European payment formats and regulations. Built in the EU, Distyra ensures data residency and privacy, supporting developers with comprehensive documentation, pricing plans, and a status page. The service aims to simplify access to bank data for fintech applications, offering a free tier and enterprise options.
Brightfield Software publishes 9 API contracts indexed on the APIs.io network, including Authentication API, Billing API, Catalog API, and 6 more. Tagged areas include Company, Banking, Fintech, and European.
The Brightfield Software catalog on APIs.io includes 1 JSON-LD context and 1 Spectral governance ruleset.
Brightfield Software’s developer surface includes changelog, authentication, documentation, API reference, getting-started guide, pricing, support, and 26 more developer resources.
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 applies to this provider. This API accepts writes, so it
carries 10 points of the composite. It is scored from the published contracts
themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already
holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in
front of it, and the first time that check is skipped a duplicate record is created.
Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet,
not penalised by it.
The six quality facets above are damped to 75 points between them,
because the conditional facet above carries the other
25. That is why each facet's contribution is shown against a damped
maximum: raising a quality facet moves the composite by 75% 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):
MCP Server+12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
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)
A2A Agent Card+8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Rate-Limit Signaling+7 pts — OpenAPI responses document X-RateLimit-* / RateLimit headers (verified), else a rate_limits artifact or RateLimits link (documented)
Delegated User Identity+6 pts — a served discovery document listing authorization_code in grant_types_supported (served), else an oauth2 authorizationCode flow or openIdConnect declared in an OpenAPI (documented)
7 more unmet checks in the Agent Readiness table above.
Kin Score — facets with the most composite points still available (weight × headroom):
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.
Live PSD2/AIS bank connections (Distyra Connect). Fetch normalized transactions from a bank account on demand. Nothing is stored. `mode` says whose account it is: `own` (your or...
Webhook endpoint management (register, list, rotate signing secret). What arrives at your URL is the `WebhookDelivery` schema: the envelope, the fields on each event, the retry ...
Overlays applied on top of this provider's contracts. Each card says who wrote it: a document the provider publishes, or one API Evangelist derived or generated.
aid: distyra
name: Brightfield Software
accessModel:
pricing: freemium
onboarding: self-serve
trial: false
try_now: true
public: false
gated: none
gated_source:
- onboarding
label: Freemium · Self-serve signup
confidence: medium
source:
- plans
- authentication
- security
generated: '2026-11-06'
method: derived
image: https://www.distyra.eu/assets/og/distyra-og.png
description: Brightfield Software, operating under the Distyra brand, provides European bank data APIs that deliver raw transaction
information distilled into actionable signals. Their platform offers products for data enrichment, underwriting, and compliance,
tailored to European payment formats and regulations. Built in the EU, Distyra ensures data residency and privacy, supporting
developers with comprehensive documentation, pricing plans, and a status page. The service aims to simplify access to bank
data for fintech applications, offering a free tier and enterprise options.
url: https://raw.githubusercontent.com/api-evangelist/distyra/refs/heads/main/apis.yml
x-type: company
x-source: harvest:g2-catalog
x-tier: profiled
x-tier-reason: enrichment pass 2026-10-16 (modular-v1; was harvest)
specificationVersion: '0.20'
created: '2026-10-16'
modified: '2026-10-16'
tags:
- Company
- Banking
- Fintech
- European
tags_raw:
- Company
- Banking
- API
- Fintech
- European
maintainers:
- FN: Kin Lane
email: kin@apievangelist.com
- FN: APIs.json
email: info@apis.io
common:
- type: CapabilityMap
url: capabilities/distyra-capability-edges.yml
name: Brightfield Software Business Capability Map
- type: AgenticAccess
url: agentic-access/distyra-agentic-access.yml
- type: Plans
url: plans/distyra-plans-pricing.yml
- type: Spectral
url: rules/distyra-rules.yml
- type: JSONLD
url: json-ld/distyra-context.jsonld
- type: Vocabulary
url: vocabulary/distyra-vocabulary.yml
- type: AgentSkill
url: skills/_index.yml
- type: DataModel
url: data-model/distyra-data-model.yml
- type: ChangeLog
url: changelog/distyra-changelog.yml
- type: Deprecation
url: lifecycle/distyra-lifecycle.yml
- type: Lifecycle
url: lifecycle/distyra-lifecycle.yml
- type: ErrorCatalog
url: errors/distyra-problem-types.yml
- type: Conformance
url: conformance/distyra-conformance.yml
- type: SecurityTxt
url: well-known/distyra-security.txt
- type: SecurityTxt
url: well-known/distyra-distyra-security.txt
- type: WellKnown
url: well-known/distyra-well-known.yml
- type: Hosts
url: hosts/distyra-hosts.yml
- type: SDKs
url: packages/distyra-packages.yml
- type: Packages
url: packages/distyra-packages.yml
- type: Security
url: https://www.distyra.eu/security
- type: ChangeLog
url: https://www.distyra.eu/changelog
- type: Authentication
url: authentication/distyra-authentication.yml
- type: VulnerabilityDisclosure
url: security/distyra-vulnerability-disclosure.yml
- type: DomainSecurity
url: security/distyra-domain-security.yml
- type: Website
url: https://distyra.eu/
- type: Documentation
url: https://www.distyra.eu/developers
- type: APIReference
url: https://www.distyra.eu/reference
- type: GettingStarted
url: https://www.distyra.eu/get-started
- type: Pricing
url: https://www.distyra.eu/pricing
- type: StatusPage
url: https://www.distyra.eu/status
- type: PrivacyPolicy
url: https://www.distyra.eu/privacy-policy
- type: TermsOfService
url: https://www.distyra.eu/tos
- type: Support
url: https://www.distyra.eu/contact
apis:
- aid: distyra:distyra-authentication-api
name: Brightfield Software Authentication API
description: The authentication API from Brightfield Software — 1 operation(s) for authentication.
humanURL: https://www.distyra.eu/reference
baseURL: https://api.distyra.com
tags:
- Authentication
tags_raw:
- authentication
properties:
- type: OpenAPI
url: openapi/distyra-authentication-api-openapi.yml
- aid: distyra:distyra-billing-api
name: Brightfield Software Billing API
description: The billing API from Brightfield Software — 2 operation(s) for billing.
humanURL: https://www.distyra.eu/reference
baseURL: https://api.distyra.com
tags:
- Billing
tags_raw:
- billing
properties:
- type: OpenAPI
url: openapi/distyra-billing-api-openapi.yml
- aid: distyra:distyra-catalog-api
name: Brightfield Software Catalog API
description: Read access to merchant catalog + taxonomy
humanURL: https://www.distyra.eu/reference
baseURL: https://api.distyra.com
tags:
- Catalog
tags_raw:
- catalog
properties:
- type: OpenAPI
url: openapi/distyra-catalog-api-openapi.yml
- aid: distyra:distyra-connect-api
name: Brightfield Software Connect API
description: 'Live PSD2/AIS bank connections (Distyra Connect). Fetch normalized transactions from a bank account on demand.
Nothing is stored.
`mode` says whose account it is: `own` (your organization’s), `end_user` (a customer of your product, for anyone embedding
Connect in something they sell), or `applicant` (an underwriting applicant). Only `applicant` needs an Underwriting subscription.
Billed per active connection per month.
### Connecting a bank account, start to finish
**1. Ask for a link.** `POST /v1/connect/hosted-link` with the bank’s two-letter country code, e.g. `{ "country": "NL"
}`. For a customer’s account also send `mode: "end_user"`, your own `external_ref` to identify them, and a `return_url`.
Returns `{ url, token, expires_at }`.
**2. Send the account holder to that `url`.** They pick their bank and log in on the bank’s own site. Neither you nor
we see their credentials. The bank returns them to your `return_url`.
**3. Wait to be told it worked.** Listen for `connect.connection.activated`, or poll `GET /v1/connect/connections` for
one with `status` `active`. Do not treat the `return_url` redirect as success: they may have cancelled.
**4. See what you got.** `GET /v1/connect/connections/{id}/accounts`. One consent often covers several accounts.
**5. Fetch transactions.** `GET /v1/connect/connections/{id}/transactions`. First call: no dates, and you get all the
history the bank will give, which can be years; make it soon after the connection activates, because many banks give long
history only then. Every later call without dates gives 90 days. After the first call pass `since=` the previous response’s
`next_cursor`, and de-duplicate on transaction `id` because the boundary day can overlap. `history=recent` limits any
call, the first included, to 90 days. `?enrich=true` adds merchant names, logos and categories. Every call fetches from
the bank, so poll on the schedule your product needs rather than in a loop.
**6. Let them disconnect.** `POST /v1/connect/connections/{id}/revoke-link` returns a short-lived, keyless URL to put
behind a Disconnect button. `DELETE /v1/connect/connections/{id}` does the same from your backend.
**Consent expires** on a date set by the account holder’s bank, and banks differ. Each connection’s `consent_expires_at`
gives the exact date, and `max_consent_days` on `GET /v1/connect/aspsps` gives a bank’s limit before anyone connects.
If you need one number to plan around, use 90 days: no bank we connect to allows less. An `applicant` connection closes
after 7 days. For `own` and `end_user` you get `connect.connection.reconsent_required` before it lapses, and every connection
sends `connect.connection.expired` after. Reconnect by repeating step 1 with the same `external_ref`, which is what keeps
your records pointing at the right customer.'
humanURL: https://www.distyra.eu/reference
baseURL: https://api.distyra.com
tags:
- Connect
tags_raw:
- connect
properties:
- type: OpenAPI
url: openapi/distyra-connect-api-openapi.yml
- aid: distyra:distyra-enrichment-api
name: Brightfield Software Enrichment API
description: Single + batch enrichment
humanURL: https://www.distyra.eu/reference
baseURL: https://api.distyra.com
tags:
- Data Enrichment
tags_raw:
- enrichment
properties:
- type: OpenAPI
url: openapi/distyra-enrichment-api-openapi.yml
- aid: distyra:distyra-feedback-api
name: Brightfield Software Feedback API
description: Customer corrections + confirmations
humanURL: https://www.distyra.eu/reference
baseURL: https://api.distyra.com
tags:
- Feedback
tags_raw:
- feedback
properties:
- type: OpenAPI
url: openapi/distyra-feedback-api-openapi.yml
- aid: distyra:distyra-system-api
name: Brightfield Software System API
description: Health, version, status
humanURL: https://www.distyra.eu/reference
baseURL: https://api.distyra.com
tags:
- System
tags_raw:
- system
properties:
- type: OpenAPI
url: openapi/distyra-system-api-openapi.yml
- aid: distyra:distyra-underwriting-api
name: Brightfield Software Underwriting API
description: 'Applicant-level underwriting feature layer: turnover, recurring revenue, debt service, customer concentration,
tax payments, statutory contributions. Lender-side persistence only (7-day re-fetch window); transaction content is never
retained beyond purge. See `POST /v1/underwrite/analyze` for the main entry point.'
humanURL: https://www.distyra.eu/reference
baseURL: https://api.distyra.com
tags:
- Underwriting
tags_raw:
- underwriting
properties:
- type: OpenAPI
url: openapi/distyra-underwriting-api-openapi.yml
- aid: distyra:distyra-webhooks-api
name: Brightfield Software Webhooks API
description: 'Webhook endpoint management (register, list, rotate signing secret). What arrives at your URL is the `WebhookDelivery`
schema: the envelope, the fields on each event, the retry schedule, and how to verify the signature.'
humanURL: https://www.distyra.eu/reference
baseURL: https://api.distyra.com
tags:
- Webhook
tags_raw:
- webhooks
properties:
- type: OpenAPI
url: openapi/distyra-webhooks-api-openapi.yml
x-enrichment:
date: '2026-10-16'
status: enriched
artifacts_added: 26
pass: modular-v1
engine: identity=local,contract=local,surfaces=local,docs=local,regulatory=local
Brightfield Software API — frequently asked questions
Does Brightfield Software have an API?
Yes. APIs.io lists 9 APIs from Brightfield Software, including Brightfield Software Authentication API, Brightfield Software Billing API and Brightfield Software Catalog API, and 6 more.
Is there an OpenAPI specification for the Brightfield Software API?
Yes. APIs.io indexes 9 OpenAPI specifications for Brightfield Software, each linked for download from this page.
How do I authenticate with the Brightfield Software API?
Brightfield Software uses bearer-token authentication (http · 1 scheme). The details are profiled on APIs.io as Distyra Authentication.
How much does the Brightfield Software API cost?
Brightfield Software publishes its prices; its Free plan is € 0/mo as of 2026-10-16. APIs.io lists 7 pricing plans for Brightfield Software, with each plan's price, limits and inclusions under Pricing on this page.
Is the Brightfield Software API ready for AI agents?
Brightfield Software has a Kin Score of 45.0 out of 100 (developing) and an Agent Readiness score of 28.1 (agent-aware), scored by API Evangelist on 2026-11-06.
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