Finicity

aid: finicity
url: https://raw.githubusercontent.com/api-evangelist/finicity/refs/heads/main/apis.yml
name: Finicity
kind: company
description: Finicity, LLC is a Utah-based financial-data aggregator and open-finance technology provider acquired by Mastercard
  in 2020 and now operating as Mastercard Open Banking (US) within Mastercard Open Finance. It is not a chartered bank but
  a consumer-permissioned data-access and decisioning platform (and an FCRA-regulated consumer reporting agency for its verification
  products), providing account and transaction aggregation, Verification of Assets, Income and Employment, transaction and
  cash-flow analysis, statements, and account validation for ACH payments. Finicity runs a first-party developer portal (developer.mastercard.com/open-banking-us,
  formerly developer.finicity.com and docs.finicity.com, both of which now redirect) over the live api.finicity.com host,
  is a founding participant in the Financial Data Exchange (FDX) with FDX-aligned data-sharing APIs, and positions its platform
  as an enabler of CFPB Section 1033 personal financial data rights. Public product documentation is openly reachable, but
  the full API reference and any machine-readable OpenAPI specification are partner-gated behind Mastercard Developers credentials.
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Financial Services
- Data Aggregation
- Open Finance
- Open Banking
- FDX
- United States
- Payments
- Financial Data
created: '2026-07-23'
modified: '2026-07-23'
specificationVersion: '0.19'
apis:
- aid: finicity:finicity-aggregation-api
  name: Finicity Aggregation (Accounts & Transactions) API
  description: Consumer-permissioned account and transaction aggregation across banks, credit unions, cards, loans and investment
    accounts, delivering account details, balances and categorized transactions.
  humanURL: https://developer.mastercard.com/open-banking-us/documentation/
  baseURL: https://api.finicity.com
  tags:
  - Aggregation
  - Accounts
  - Transactions
  properties:
  - type: Documentation
    url: https://developer.mastercard.com/open-banking-us/documentation/
  - type: APIReference
    url: https://developer.mastercard.com/open-banking-us/documentation/api-reference/
  - type: OpenAPI
    url: openapi/finicity-openbanking-us-openapi-original.yml
  - type: Webhooks
    url: asyncapi/finicity-webhooks.yml
- aid: finicity:finicity-connect
  name: Finicity Connect
  description: Hosted, embeddable account-linking experience that lets a consumer authenticate to their financial institution
    and permission data sharing, returning the linked accounts to the partner application.
  humanURL: https://developer.mastercard.com/open-banking-us/documentation/connect/
  baseURL: https://api.finicity.com
  tags:
  - Connect
  - Onboarding
  - Account Linking
  properties:
  - type: Documentation
    url: https://developer.mastercard.com/open-banking-us/documentation/connect/
  - type: APIReference
    url: https://developer.mastercard.com/open-banking-us/documentation/api-reference/
- aid: finicity:finicity-verification-of-assets-api
  name: Finicity Verification of Assets (VoA) API
  description: Generates a consumer-permissioned Verification of Assets report from aggregated account and balance data for
    mortgage, lending and underwriting workflows, an FCRA-regulated consumer report product.
  humanURL: https://developer.mastercard.com/open-banking-us/documentation/
  baseURL: https://api.finicity.com
  tags:
  - Verification
  - Assets
  - Lending
  properties:
  - type: Documentation
    url: https://developer.mastercard.com/open-banking-us/documentation/
  - type: APIReference
    url: https://developer.mastercard.com/open-banking-us/documentation/api-reference/
- aid: finicity:finicity-verification-of-income-employment-api
  name: Finicity Verification of Income & Employment (VoIE) API
  description: Derives income streams and employment signals from permissioned transaction and payroll data to produce Verification
    of Income and Verification of Employment reports for lending decisions.
  humanURL: https://developer.mastercard.com/open-banking-us/documentation/
  baseURL: https://api.finicity.com
  tags:
  - Verification
  - Income
  - Employment
  properties:
  - type: Documentation
    url: https://developer.mastercard.com/open-banking-us/documentation/
  - type: APIReference
    url: https://developer.mastercard.com/open-banking-us/documentation/api-reference/
- aid: finicity:finicity-transaction-analysis-api
  name: Finicity Transaction Analysis (Cash Flow) API
  description: Analyzes permissioned transaction history to produce cash-flow, income and expense insights used for prequalification,
    credit decisioning and financial-health scoring.
  humanURL: https://developer.mastercard.com/open-banking-us/documentation/
  baseURL: https://api.finicity.com
  tags:
  - Transactions
  - Cash Flow
  - Decisioning
  properties:
  - type: Documentation
    url: https://developer.mastercard.com/open-banking-us/documentation/
  - type: APIReference
    url: https://developer.mastercard.com/open-banking-us/documentation/api-reference/
- aid: finicity:finicity-payments-account-validation-api
  name: Finicity Payments (Account Validation) API
  description: Validates account ownership and status for ACH and account-funding flows, returning account, routing and owner
    verification signals to reduce returned payments and fraud.
  humanURL: https://developer.mastercard.com/open-banking-us/documentation/
  baseURL: https://api.finicity.com
  tags:
  - Payments
  - Account Validation
  - ACH
  properties:
  - type: Documentation
    url: https://developer.mastercard.com/open-banking-us/documentation/
  - type: APIReference
    url: https://developer.mastercard.com/open-banking-us/documentation/api-reference/
- aid: finicity:finicity-open-banking-data-access
  name: Finicity Open Banking Data Access (FDX)
  description: FDX-aligned, consumer-permissioned open-banking data-access surface through which Finicity, as a founding Financial
    Data Exchange participant, shares financial data on behalf of connected institutions in support of CFPB Section 1033 data
    rights.
  humanURL: https://developer.mastercard.com/open-banking-us/documentation/
  baseURL: https://api.finicity.com
  tags:
  - Open Banking
  - FDX
  - Data Access
  properties:
  - type: Documentation
    url: https://developer.mastercard.com/open-banking-us/documentation/
  - type: APIReference
    url: https://developer.mastercard.com/open-banking-us/documentation/api-reference/
common:
- type: Authentication
  url: authentication/finicity-authentication.yml
- type: DomainSecurity
  url: security/finicity-domain-security.yml
- type: Packages
  url: packages/finicity-packages.yml
- type: SDKs
  url: packages/finicity-packages.yml
- type: WellKnown
  url: well-known/finicity-well-known.yml
- type: MCPServer
  url: mcp/finicity-mcp.yml
- type: LLMsTxt
  url: llms/finicity-llms.txt
- type: Overlay
  url: overlays/finicity-openbanking-us-overlay.yaml
- type: Conformance
  url: conformance/finicity-conformance.yml
- type: ErrorCatalog
  url: errors/finicity-problem-types.yml
- type: Lifecycle
  url: lifecycle/finicity-lifecycle.yml
- type: StatusPage
  url: https://developer.mastercard.com/open-banking-us/documentation/status/
- type: Deprecation
  url: lifecycle/finicity-lifecycle.yml
- type: Conventions
  url: conventions/finicity-conventions.yml
- type: ChangeLog
  url: changelog/finicity-changelog.yml
- type: Components
  url: components/finicity-components.yml
- type: DataModel
  url: data-model/finicity-data-model.yml
- type: Sandbox
  url: sandbox/finicity-sandbox.yml
- type: AgentSkill
  url: skills/_index.yml
- type: Website
  url: https://www.finicity.com/
- type: DeveloperPortal
  url: https://developer.mastercard.com/open-banking-us/documentation/
- type: Documentation
  url: https://developer.mastercard.com/open-banking-us/documentation/
- type: APIReference
  url: https://developer.mastercard.com/open-banking-us/documentation/api-reference/
- type: GettingStarted
  url: https://developer.mastercard.com/open-banking-us/documentation/test-the-apis/
- type: Postman
  url: https://github.com/Mastercard/open-banking-us-postman
- type: Support
  url: https://developer.mastercard.com/support/
- type: SignUp
  url: https://developer.mastercard.com/product/open-banking/
- type: GitHubOrganization
  url: https://github.com/Mastercard
- type: LinkedIn
  url: https://www.linkedin.com/company/finicity/
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com