# Financial Data Exchange (FDX)

**Canonical:** https://apis.io/providers/fdx/  
**Website:** https://financialdataexchange.org  
**APIs profiled:** 12

Financial Data Exchange (FDX) is a non-profit industry standards body operating in the US and Canada that produces the FDX API, a royalty-free REST standard for consumer-permissioned financial data sharing. The FDX API defines interoperable endpoints covering deposit accounts, loan accounts, investment accounts, insurance policies, tax data, payroll data, reward programs, and consent management, enabling data providers (financial institutions), data access platforms (aggregators), and data recipients (fintechs) to exchange consumer financial data without exposing user credentials. As of early 2026 over 130 million consumer accounts are connected via the FDX API across 200+ member organizations including Bank of America, Chase, Citi, Wells Fargo, Plaid, and MX. FDX API v6.5 is the current stable release.

## Kin Score — 44.0 / 100 (developing)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 44.0).

| Facet | Score |
|---|---|
| Discoverability | 74.1 |
| Contract Quality | 64.8 |
| Governance | 9.8 |
| Contract Governance | 9.8 |
| Operational Transparency | 36.8 |
| Developer Ergonomics | 23.8 |
| Commercial Clarity | 39.5 |
| Access Clarity | 39.5 |

Regulatory layer — **Banking & Open Finance**: 43.0 (matched via tags).

## Agent readiness — 41.8 (agent-ready)

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

## Access

Free · Self-serve signup — onboarding: self-serve, pricing: free, trial: no (confidence: high).

## APIs (12)

- **FDX Transactions API** — RESTful endpoints for retrieving consumer transaction histories including pending and posted transactions, transaction categorization, merchant data, and transaction amounts acr...
- **FDX Investment API** — RESTful endpoints for retrieving investment account data including holdings, positions, investment transactions, cost basis, and portfolio composition. Covers brokerage, retirem...
- **FDX Insurance API** — RESTful endpoints for retrieving insurance policy information including policy coverage details, premium schedules, claims history, and beneficiary data under the FDX insurance ...
- **FDX Tax API** — RESTful endpoints for retrieving consumer tax data including tax document metadata and structured tax form data (1099s, W-2s, and related forms) as defined by the FDX US Tax Dat...
- **FDX Payroll API** — RESTful endpoints introduced in FDX API v6.0 for retrieving permissioned payroll data including employment records, pay stubs, income verification, and direct deposit details, s...
- **FDX Consent API** — RESTful endpoints implementing the FDX Consent API Behavioral Specification for managing user permissions and consent events. Enables data recipients to initiate consent, query ...
- **Financial Data Exchange (FDX) Account Information API** — Search and view customer accounts
- **Financial Data Exchange (FDX) Account Statements API** — Search and retrieve account statements
- **Financial Data Exchange (FDX) Account Transactions API** — Search and view account transactions
- **Financial Data Exchange (FDX) Asset Transfer Networks Information API** — Search and view asset transfer networks networks
- **Financial Data Exchange (FDX) Payment Networks Information API** — Search and view account payment networks
- **Financial Data Exchange (FDX) Personal Information API** — Search and view customer or customers

## Agentic access (1)

- **Fdx Agentic Access** — 27 operations

## Security (2)

- **Fdx Authentication** — oauth2/openIdConnect · 2 schemes
- **Fdx Domain Security** — TLSv1.3 · DMARC

## Plans (1)

- **Fdx Plans Pricing**

## Tags

Financial Data, Open Banking, Open Finance, Financial Data Exchange, Consumer-Permissioned, Account Data, Transaction, Investments, Insurance, Tax Data, Payroll, REST, Authentication, FAPI, CFPB 1033

---

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