Finom

Finom is a European fintech headquartered in Amsterdam that provides business banking, invoicing, and financial management for entrepreneurs, freelancers, and SMEs. Operating as a licensed Electronic Money Institution (EMI) supervised by De Nederlandsche Bank (DNB), Finom offers multi-currency business accounts, 24/7 SEPA Instant and SWIFT payments, direct debits, Visa Business physical and virtual cards with up to 3% cashback, compliant e-invoicing (ZUGFeRD, XRechnung), and integrations with accounting platforms such as DATEV, Lexware, sevDesk, Xero, and QuickBooks. It serves Germany, France, Italy, Spain, and the Netherlands with region-specific tooling. Finom does not currently publish a public developer API program; this profile captures its public discovery, security, and operational surface (llms.txt, security.txt / Intigriti VDP, domain security, status page).

Finom is profiled on the APIs.io network. Tagged areas include Company, Fintech, Business Banking, Payments, and Invoicing.

Finom’s developer surface includes pricing, engineering blog, support, signup flow, and 9 more developer resources.

🌐 Visit website 📡 Source on GitHub

9.0/100 minimal ▬ flat Agent 3/100 human only Full breakdown ↓
scored 2026-08-21 · rubric v0.12.0

0 APIs

Company Fintech Business Banking Payments Invoicing Accounting SEPA SME Europe Financial Management

Kin Score

Kin Score How this is scored →
scored 2026-08-21 · rubric v0.12.0

Composite quality — 9.0/100 · minimal

Contract Quality 0.0 / 21

Developer Ergonomics 1.2 / 17

Access Clarity 1.8 / 17

Operational Transparency 0.6 / 11

Contract Governance 0.0 / 10

Discoverability 5.8 / 9

Regulatory Posture 2.8 / 15

Agent readiness — 3/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 3 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Regulatory Posture applies to this provider. Its tags matched the Payments 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/. This rating is computed from github.com/api-evangelist/finom: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

Get Started 1

Portal, sign-up, and the first successful call

SignUp

SignUp

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

WellKnown

WellKnown

Design & Contract 1

Pagination, idempotency, versioning, errors, and events

Lifecycle

Lifecycle

Access & Security 4

Authentication, authorization, and security posture

SecurityTxt

SecurityTxt

Security

Security

VulnerabilityDisclosure

VulnerabilityDisclosure

DomainSecurity

DomainSecurity

Operate 2

Status, limits, changes, and where to get help

Support

Support

StatusPage

StatusPage

Commercial 1

Pricing, plans, and the legal terms of use

Pricing

Pricing

Company 2

The organization behind the API

Website

Website

Blog

Blog

Source (apis.yml)

aid: finom
name: Finom
description: Finom is a European fintech headquartered in Amsterdam that provides business banking, invoicing, and financial
  management for entrepreneurs, freelancers, and SMEs. Operating as a licensed Electronic Money Institution (EMI) supervised
  by De Nederlandsche Bank (DNB), Finom offers multi-currency business accounts, 24/7 SEPA Instant and SWIFT payments, direct
  debits, Visa Business physical and virtual cards with up to 3% cashback, compliant e-invoicing (ZUGFeRD, XRechnung), and
  integrations with accounting platforms such as DATEV, Lexware, sevDesk, Xero, and QuickBooks. It serves Germany, France,
  Italy, Spain, and the Netherlands with region-specific tooling. Finom does not currently publish a public developer API
  program; this profile captures its public discovery, security, and operational surface (llms.txt, security.txt / Intigriti
  VDP, domain security, status page).
url: https://raw.githubusercontent.com/api-evangelist/finom/refs/heads/main/apis.yml
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source: []
  generated: '2026-07-22'
  method: derived
image: https://finom.co/preview/index_en.png
x-type: company
x-source: vc-portfolio
x-backed-by:
- general-catalyst
- northzone
x-tier: profile
x-tier-reason: enriched-no-public-api
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-19'
tags:
- Company
- Fintech
- Business Banking
- Payments
- Invoicing
- Accounting
- SEPA
- SME
- Europe
- Financial Management
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://finom.co
- type: Pricing
  url: https://finom.co/de-de/pricing
- type: Blog
  url: https://finom.co/de-de/blog
- type: Support
  url: https://help.finom.co/en/
- type: SignUp
  url: https://app.finom.co/
- type: StatusPage
  url: https://status.finom.co/
- type: Lifecycle
  url: lifecycle/finom-lifecycle.yml
- type: LLMsTxt
  url: llms/finom-llms.txt
- type: WellKnown
  url: well-known/finom-well-known.yml
- type: SecurityTxt
  url: well-known/finom-security.txt
- type: Security
  url: https://finom.co/.well-known/security.txt
- type: VulnerabilityDisclosure
  url: security/finom-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/finom-domain-security.yml
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence

Work with this as data

Every provider here is available over the APIs.io API and to AI agents over MCP.

MCP server

One button, every client — Claude, Cursor, VS Code and the rest.

https://apis.io/mcp

Tools for providers

9 MCP tools reach this

find_providersBrowse and filter every provider in the catalog.
get_provider_artifactsEvery artifact this provider publishes, grouped by type.
get_provider_operationsEvery operation across all of their OpenAPIs — one call instead of parsing every spec.
get_provider_toolsEvery MCP tool they ship, with the operation each wraps.
get_provider_evidenceHow each part of their score was established. Free — the basis for a claim should not sit behind it.
get_provider_ratingPRO — composite, band, trend and facet scores.
apis_io_searchSTART HERE — APIs, providers and tags for one query, each with its total.
resolveTurn a domain, URL or GitHub org into the provider it belongs to.
find_cohortsEvery scored population of providers in the catalog.

All 92 tools

Call it yourself

curl for this page

This provider

curl "https://apis.io/api/v1/providers/finom"

All providers

curl "https://apis.io/api/v1/providers?limit=25"

Every operation they expose

curl "https://apis.io/api/v1/providers/finom/operations?limit=25"

How their score was established

curl "https://apis.io/api/v1/providers/finom/evidence"

Discovery needs no key. Ratings and market analysis are Pro.

Get an API key

Free tier, no email required.

GitHub Google LinkedIn

A second provider on the same verified email joins the account you already have.