# Fiat Republic

**Canonical:** https://apis.io/providers/fiat-republic/  
**Website:** https://fiatrepublic.com  
**APIs profiled:** 1

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.

## Kin Score — 55.3 / 100 (developing)

Scored 2026-08-17 under rubric 0.11.0. Trend: flat (+0.0 from 55.3).

| Facet | Score |
|---|---|
| Discoverability | 87.0 |
| Contract Quality | 51.6 |
| Governance | 12.5 |
| Operational Transparency | 89.5 |
| Developer Ergonomics | 65.2 |
| Commercial Clarity | 31.6 |

Regulatory layer — **Banking & Open Finance**: 62.0 (matched via tags).

## Agent readiness — 46.8 (agent-native)

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

## Access

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

## APIs (1)

- **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...

## MCP servers (1)

- **fiat-republic-mcp.yml**

## Security (3)

- **Fiat Republic Authentication** — oauth2 · 1 scheme
- **Fiat Republic Domain Security** — TLSv1.3 · HSTS · DMARC
- **Fiat Republic Vulnerability Disclosure** — security.txt · contact published

## Tags

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

---

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