# Dwolla

**Canonical:** https://apis.io/providers/dwolla/  
**Website:** https://dwolla.com  
**APIs profiled:** 19

Dwolla is a Des Moines-based fintech providing an account-to-account (A2A) payments platform that lets businesses programmatically move money across the U.S. banking system. Its v2 REST API — a JSON-HAL hypermedia API secured with OAuth 2.0 client-credentials — supports ACH (standard and Same-Day), instant/real-time payments over the RTP Network and FedNow Service, bank funding sources with micro-deposit and Open Banking (Plaid/MX) verification, verified Customers (personal and business with beneficial-owner/KYC flows), mass payments, labels and ledgers, virtual account numbers, and webhook event notifications. Dwolla ships official SDKs for Node, Python, Ruby, PHP, C#, and Kotlin, low-code Drop-in Components, and a read-only MCP server for AI agents.

## Kin Score — 61.8 / 100 (strong)

Scored 2026-08-30 under rubric 0.17.2. Trend: flat (+0.0 from 61.8).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 66.9 |
| Governance | 18.2 |
| Contract Governance | 18.2 |
| Operational Transparency | 50.0 |
| Developer Ergonomics | 75.6 |
| Commercial Clarity | 60.5 |
| Access Clarity | 60.5 |

Regulatory layer — **Banking & Open Finance**: 38.0 (matched via tags).

## Agent readiness — 48.6 (agent-native)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | no |
| MCP Server | documented |
| Auth Clarity | negotiable |
| Idempotency | verified |
| Error Semantics | verified |
| OpenAPI Examples | verified |
| Rate Limit Signal | documented |
| Event Surface Described | yes |
| Agent Skills | derived |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |
| Delegated Identity | no |
| Protected Resource Metadata | no |
| Dynamic Client Registration | no |
| Agentic Commerce | no |

## Access

Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: medium).

## APIs (18)

- **Dwolla Accounts API** — Operations related to Accounts
- **Dwolla beneficial owners API** — Operations related to Beneficial Owners
- **Dwolla client tokens API** — Operations related to Client Tokens
- **Dwolla Customers API** — Operations related to Customers
- **Dwolla Documents API** — Operations related to Documents
- **Dwolla Events API** — Operations related to Events
- **Dwolla exchange sessions API** — Operations related to Exchange Sessions
- **Dwolla Exchanges API** — Operations related to Exchanges
- **Dwolla funding sources API** — Operations related to Funding Sources
- **Dwolla Kba API** — Operations related to Knowledge-Based Authentication
- **Dwolla Labels API** — Operations related to Labels
- **Dwolla mass payments API** — Operations related to Mass Payments
- **Dwolla Root API** — Root API operations
- **Dwolla sandbox simulations API** — Sandbox-only operations for simulating processing of bank transfers
- **Dwolla Tokens API** — Operations related to Application Access Tokens
- **Dwolla Transfers API** — Operations related to Transfers
- **Dwolla webhook subscriptions API** — Operations related to Webhook Subscriptions
- **Dwolla Webhooks API** — Operations related to Webhooks

## MCP servers (1)

- **Dwolla MCP Server**

## Agentic access (1)

- **Dwolla Agentic Access** — 164 operations · 68 acting

## Security (3)

- **Dwolla Authentication** — oauth2 · 1 scheme
- **Dwolla Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC
- **Dwolla Trust Center** — SOC 2 Type 2

## Tags

Payments, ACH, Bank Transfers, Fintech, Account-to-Account Payments, Money Movement, Instant Payments, Open Banking, Webhook, KYC, United States, Open Finance, Same-Day ACH, RTP, FedNow, Mass Payments, Drop-in Components, SDK, Sandbox

---

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