Fiat Republic

Fiat Republic is a UK- and EU-regulated Banking-as-a-Service provider that gives crypto platforms, exchanges and stablecoin issuers a single API and single liability contract for local fiat rails. Its RESTful API automates end-user onboarding with embedded KYC/AML, named and virtual fiat accounts, pay-ins and payouts across GBP (Faster Payments / CHAPS), EUR (SEPA / SEPA Instant) and USD schemes, FX conversion, Verification of Payee (VoP), returns and recalls, and its Oxygen transaction-monitoring product. Access is via OAuth 2.0 client-credentials with PAYMENTS and OXYGEN scopes, HMAC-SHA256-signed webhooks using the HTTP Message Signatures standard, idempotency keys, and separate sandbox and production environments. Fiat Republic operates as an Electronic Money Institution regulated by the FCA (UK) and De Nederlandsche Bank (NL), with MSB registrations in the US and Canada.

Fiat Republic publishes 1 API on the APIs.io network. Tagged areas include Company, Banking, Payments, Fintech, and Cryptocurrency.

The Fiat Republic catalog on APIs.io includes 1 event-driven AsyncAPI specification.

Fiat Republic’s developer surface includes documentation, API reference, getting-started guide, engineering blog, signup flow, support, changelog, and 27 more developer resources.

🌐 Visit website 📡 Source on GitHub

49.7/100 developing ▬ flat Agent 28/100 agent aware saas Full breakdown ↓
scored 2026-09-06 · rubric v0.19.0

AccessSelf serve

1 APIs

Company Banking Payments Fintech Cryptocurrency Stablecoins Banking as a Service Embedded Finance Compliance KYC SEPA Faster Payments

Kin Score

Kin Score How this is scored →
scored 2026-09-06 · rubric v0.19.0

Composite quality — 49.7/100 · developing

Contract Quality 8.8 / 21

Developer Ergonomics 8.9 / 17

Access Clarity 4.0 / 17

Operational Transparency 9.0 / 11

Contract Governance 1.9 / 10

Discoverability 6.5 / 9

Regulatory Posture 8.4 / 15

Agent readiness — 28/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 9 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 6 / 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 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

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.

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/.

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 github.com/api-evangelist/fiat-republic: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 1

Individual APIs this provider publishes, each with its own machine-readable definition.

Fiat Republic API

RESTful API for crypto and stablecoin platforms to onboard end users (KYC/AML), open named and virtual fiat accounts, receive pay-ins and send payouts across GBP, EUR and USD sc...

Rate Limits 1

Documented rate limits and quota policies.

Scopes 1

OAuth scopes governing access to this provider's APIs.

Fiat Republic Scopes

2 scopes

SCOPES

Resources

Get Started 5

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

GettingStarted

GettingStarted

SignUp

SignUp

Login

Sandbox

Sandbox

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 3

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

X-MCPServerCandidate

X-MCPServerCandidate

WellKnown

WellKnown

Design & Contract 7

Pagination, idempotency, versioning, errors, and events

Conventions

Idempotency

ErrorCatalog

Lifecycle

DataModel

Webhooks

Conformance

Scroll for all 7

Build 1

SDKs, sample code, and the tooling you integrate with

Postman

Postman

Access & Security 7

Authentication, authorization, and security posture

VulnerabilityDisclosure

VulnerabilityDisclosure

Security

DomainSecurity

Compliance

Authentication

OAuthScopes

SecurityTxt

Scroll for all 7

Operate 6

Status, limits, changes, and where to get help

Support

StatusPage

ChangeLog

ChangeLog

RateLimits

Deprecation

Commercial 1

Pricing, plans, and the legal terms of use

PrivacyPolicy

PrivacyPolicy

Company 2

The organization behind the API

Website

Website

Blog

Blog

Source (apis.yml)

aid: fiat-republic
name: Fiat Republic
description: Fiat Republic is a UK- and EU-regulated Banking-as-a-Service provider that gives crypto platforms, exchanges
  and stablecoin issuers a single API and single liability contract for local fiat rails. Its RESTful API automates end-user
  onboarding with embedded KYC/AML, named and virtual fiat accounts, pay-ins and payouts across GBP (Faster Payments / CHAPS),
  EUR (SEPA / SEPA Instant) and USD schemes, FX conversion, Verification of Payee (VoP), returns and recalls, and its Oxygen
  transaction-monitoring product. Access is via OAuth 2.0 client-credentials with PAYMENTS and OXYGEN scopes, HMAC-SHA256-signed
  webhooks using the HTTP Message Signatures standard, idempotency keys, and separate sandbox and production environments.
  Fiat Republic operates as an Electronic Money Institution regulated by the FCA (UK) and De Nederlandsche Bank (NL), with
  MSB registrations in the US and Canada.
url: https://raw.githubusercontent.com/api-evangelist/fiat-republic/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- seedcamp
- speedinvest
x-tier: profiled
x-tier-reason: enriched-from-developer-portal
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: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  generated: '2026-07-22'
  method: derived
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-19'
image: https://fiatrepublic.com/images/og-image.png
tags:
- Company
- Banking
- Payments
- Fintech
- Cryptocurrency
- Stablecoins
- Banking as a Service
- Embedded Finance
- Compliance
- KYC
- SEPA
- Faster Payments
tags_raw:
- Company
- Banking
- Payments
- Fintech
- Cryptocurrency
- Stablecoins
- Banking-as-a-Service
- Embedded Finance
- Compliance
- KYC
- SEPA
- Faster Payments
apis:
- name: Fiat Republic API
  description: RESTful API for crypto and stablecoin platforms to onboard end users (KYC/AML), open named and virtual fiat
    accounts, receive pay-ins and send payouts across GBP, EUR and USD schemes, run FX conversions, verify payees (VoP), handle
    returns/recalls, manage HMAC-signed webhooks, and use the Oxygen transaction-monitoring product.
  humanURL: https://docs.fiatrepublic.com/docs/introduction
  baseURL: https://member.fiatrepublic.com/api/v1
  properties:
  - type: Documentation
    url: https://docs.fiatrepublic.com/docs/introduction
  - type: APIReference
    url: https://docs.fiatrepublic.com/reference/create-api-token
  - type: GettingStarted
    url: https://docs.fiatrepublic.com/docs/authentication-webhook-setup
  - type: Authentication
    url: authentication/fiat-republic-authentication.yml
  - type: OAuthScopes
    url: scopes/fiat-republic-scopes.yml
  - type: Conventions
    url: conventions/fiat-republic-conventions.yml
  - type: Idempotency
    url: conventions/fiat-republic-conventions.yml
  - type: RateLimits
    url: rate-limits/fiat-republic-rate-limits.yml
  - type: ErrorCatalog
    url: errors/fiat-republic-problem-types.yml
  - type: DataModel
    url: data-model/fiat-republic-data-model.yml
  - type: Sandbox
    url: sandbox/fiat-republic-sandbox.yml
  - type: Webhooks
    url: asyncapi/fiat-republic-webhooks.yml
  - type: Conformance
    url: conformance/fiat-republic-conformance.yml
  - type: X-MCPServerCandidate
    url: mcp/fiat-republic-mcp.yml
    note: 'Renamed from MCPServer 2026-09-03 (roadmap#247): the manifest self-describes as status: candidate — a tool list
      derived from the published API contracts, not an existing server. The scorer already read the manifest and reported
      mcp_server correctly; the MCPServer type was crediting the artifact-type surfaces with a server that does not exist.'
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: VulnerabilityDisclosure
  url: security/fiat-republic-vulnerability-disclosure.yml
- type: Security
  url: well-known/fiat-republic-security.txt
- type: DomainSecurity
  url: security/fiat-republic-domain-security.yml
- type: Website
  url: https://fiatrepublic.com
- type: DeveloperPortal
  url: https://fiatrepublic.com/developers/
- type: Documentation
  url: https://docs.fiatrepublic.com/docs/introduction
- type: APIReference
  url: https://docs.fiatrepublic.com/reference/create-api-token
- type: GettingStarted
  url: https://docs.fiatrepublic.com/docs/authentication-webhook-setup
- type: Blog
  url: https://fiatrepublic.com/blog
- type: SignUp
  url: https://member.fiatrepublic.com/dashboard
- type: Login
  url: https://member.fiatrepublic.com/dashboard
- type: Support
  url: https://fiatrepublic.atlassian.net/servicedesk/customer/portal/4
- type: PrivacyPolicy
  url: https://fiatrepublic.com/privacy-policy
- type: StatusPage
  url: https://status.fiatrepublic.com
- type: ChangeLog
  url: https://docs.fiatrepublic.com/changelog
- type: ChangeLog
  url: changelog/fiat-republic-changelog.yml
- type: Compliance
  url: https://fiatrepublic.com/compliance
- type: Postman
  url: https://www.postman.com/fiatrepublicdev/fiat-republic-developers/overview
- type: LLMsTxt
  url: llms/fiat-republic-llms.txt
- type: Authentication
  url: authentication/fiat-republic-authentication.yml
- type: OAuthScopes
  url: scopes/fiat-republic-scopes.yml
- type: Conventions
  url: conventions/fiat-republic-conventions.yml
- type: Idempotency
  url: conventions/fiat-republic-conventions.yml
- type: RateLimits
  url: rate-limits/fiat-republic-rate-limits.yml
- type: ErrorCatalog
  url: errors/fiat-republic-problem-types.yml
- type: Lifecycle
  url: lifecycle/fiat-republic-lifecycle.yml
- type: Deprecation
  url: lifecycle/fiat-republic-lifecycle.yml
- type: Sandbox
  url: sandbox/fiat-republic-sandbox.yml
- type: DataModel
  url: data-model/fiat-republic-data-model.yml
- type: Webhooks
  url: asyncapi/fiat-republic-webhooks.yml
- type: Conformance
  url: conformance/fiat-republic-conformance.yml
- type: X-MCPServerCandidate
  url: mcp/fiat-republic-mcp.yml
  note: 'Renamed from MCPServer 2026-09-03 (roadmap#247): the manifest self-describes as status: candidate — a tool list derived
    from the published API contracts, not an existing server. The scorer already read the manifest and reported mcp_server
    correctly; the MCPServer type was crediting the artifact-type surfaces with a server that does not exist.'
- type: WellKnown
  url: well-known/fiat-republic-well-known.yml
- type: SecurityTxt
  url: well-known/fiat-republic-security.txt
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence

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