Fintary

Fintary is an AI-powered commission management and revenue operations platform for insurance distribution — serving brokerages, carriers, and wealth firms. It automates compensation calculation and reporting across complex hierarchies, splits, overrides, and bonuses; reconciles carrier statement data; monitors chargebacks; surfaces real-time revenue and profitability analytics; and provides a white-label producer portal for 24/7 commission visibility. Fintary integrates with agency and distribution systems such as Applied Epic, Agency Integrator, SmartOffice, OneHQ, and BenefitPoint. Fintary publishes two OpenAPI 3.0.0 contracts on its own API host at api.fintary.com — a customer-facing Open API (agents, commissions, payouts, policies, analytics datasets/reports/widgets, document upload) and an AMS API (policies, customers, agents, contracts, hierarchy, tasks, document repository, page-config registry) — plus SSO integration guides for external identity providers. This profile is maintained in the API Evangelist network.

Fintary publishes 10 API contracts indexed on the APIs.io network, including Agents API, AMS - Agents API, AMS - Configs API, and 7 more. Tagged areas include Company, Fintech, Insurance, Insurtech, and Commissions.

The Fintary catalog on APIs.io includes 1 Spectral governance ruleset.

Fintary’s developer surface includes support, engineering blog, documentation, API reference, authentication, and 22 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

37.3/100 thin ▬ flat Agent 31/100 agent ready Front door AI 3/6 light saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

4 published contracts 4 Agent Skills

Company Fintech Insurance Insurtech Commissions Revenue Operations Analytics Agency Management Policy Management Payouts Reconciliation OpenAPI

What this lets a business do 4

Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →

Insurance Distribution Management

BC-2110

AMS - AgentsAgentsCommission Reports

GET /api/ams/agents/{strId} POST /api/ams/agents/{strId}/contracts GET /api/ams/agents/{strId}/hierarchy GET /api/ams/agents

Policy Administration Management

BC-2140

AMS - Policies

GET /api/ams/policies/{strId}/documents GET /api/ams/policies/{strId} PATCH /api/ams/policies/{strId} PATCH /api/ams/policies/{strId}/status

Information & Data Management

BC-610

Analytics

Insurance Customer Management

BC-2120

AMS - Customers

GET /api/ams/customers/{strId} GET /api/ams/customers/{strId}/policies GET /api/ams/customers

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 37.3/100 · thin

Contract Quality 8.3 / 19

Developer Ergonomics 5.6 / 15

Access Clarity 5.3 / 15

Operational Transparency 0.0 / 10

Contract Governance 2.9 / 9

Discoverability 5.4 / 8

Regulatory Posture 3.9 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 31/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 6 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 7 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 0 / 6

Agent Skills 5 / 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

Pagination 0 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Insurance 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.

Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document
Delegated User Identity +6 pts — a served discovery document listing authorization_code in grant_types_supported (served), else an oauth2 authorizationCode flow or openIdConnect declared in an OpenAPI (documented)
Typed Event Surface +6 pts — AsyncAPI document, OR webhooks/callbacks objects in the as-published OpenAPI, OR common[].type includes Webhooks

6 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Contract Quality scores 44.1 — up to +14.0 composite points
Operational Transparency scores 0.0 — up to +13.0 composite points
Access Clarity scores 35.5 — up to +12.9 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

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 the provider profile at artifacts.apis.io/fintary/apis.yml: open an issue on github.com/api-evangelist/fintary to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Standards implemented 1

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

OpenAPI

measured — observed by APIs.io (published)

APIs 10

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

Fintary Agents API

The Agents API from Fintary — 7 operation(s) for agents.

Fintary AMS - Agents API

Agent management endpoints

Fintary AMS - Configs API

AMS configuration endpoints (statuses, roles)

Fintary AMS - Customers API

Customer management endpoints

Fintary AMS - Policies API

Policy management endpoints

Fintary AMS - Registry API

The AMS - Registry API from Fintary — 5 operation(s) for ams - registry.

Fintary AMS - Tasks API

The AMS - Tasks API from Fintary — 5 operation(s) for ams - tasks.

Fintary Analytics API

The Analytics API from Fintary — 8 operation(s) for analytics.

Fintary Commission Reports API

The Commission Reports API from Fintary — 1 operation(s) for commission reports.

Fintary Documents API

The Documents API from Fintary — 2 operation(s) for documents.

Scroll for all 10

Agent Skills 4

Packaged agent skills for driving this provider's APIs from an AI assistant.

Assemble an agent's compensation picture

AGENT SKILL

Manage a policy through the Fintary AMS API

AGENT SKILL

Query and export a Fintary analytics report or dataset

AGENT SKILL

Onboard a Fintary agent and place them in the hierarchy

AGENT SKILL

Fintary API pricing

Pricing Plans 1

Published pricing tiers and plan structures.

Fintary Plans Pricing

0 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Fintary Rate Limits

0 limits

RATE LIMITS

Service Levels 1

Uptime the provider promises or reports, as SLA4OAI. Read from its own pages; APIs.io runs no monitors.

Fintary

SLA

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Fintary API Rules

45 rules · 33 errors 11 warnings 1 info

SPECTRAL

OpenAPI Overlays 2

Overlays applied on top of this provider's contracts. Each card says who wrote it: a document the provider publishes, or one API Evangelist derived or generated.

Fintary Ams Api Overlay

5 actions · servers · fintary-ams-api-openapi.yml

DERIVED

Fintary Open Api Overlay

5 actions · servers · fintary-open-api-openapi.yml

DERIVED

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Fintary Authentication

apiKey/http · 2 schemes

SECURITY

Fintary Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Fintary Agentic Access

81 operations · 37 acting

AGENTIC

Resources

Get Started 1

Portal, sign-up, and the first successful call

Login

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

X-MCPServerCandidate

LLMsTxt

AgentSkill

AgenticAccess

Design & Contract 5

Pagination, idempotency, versioning, errors, and events

Conventions

ErrorCatalog

DataModel

Lifecycle

Conformance

Build 1

SDKs, sample code, and the tooling you integrate with

Packages

Packages

Access & Security 3

Authentication, authorization, and security posture

Compliance

Compliance

DomainSecurity

DomainSecurity

Authentication

Authentication

Operate 3

Status, limits, changes, and where to get help

Support

Support

StatusPage

StatusPage

RateLimits

RateLimits

Commercial 3

Pricing, plans, and the legal terms of use

PrivacyPolicy

PrivacyPolicy

TermsOfService

TermsOfService

Plans

Plans

Company 2

The organization behind the API

Website

Website

Blog

Blog

Other 3

Properties that don't map to a standard resource type

CapabilityMap

CapabilityMap

Overlay

Overlay

Overlay

Overlay

Source (apis.yml)

aid: fintary
name: Fintary
description: Fintary is an AI-powered commission management and revenue operations platform for insurance distribution — serving
  brokerages, carriers, and wealth firms. It automates compensation calculation and reporting across complex hierarchies,
  splits, overrides, and bonuses; reconciles carrier statement data; monitors chargebacks; surfaces real-time revenue and
  profitability analytics; and provides a white-label producer portal for 24/7 commission visibility. Fintary integrates with
  agency and distribution systems such as Applied Epic, Agency Integrator, SmartOffice, OneHQ, and BenefitPoint. Fintary publishes
  two OpenAPI 3.0.0 contracts on its own API host at api.fintary.com — a customer-facing Open API (agents, commissions, payouts,
  policies, analytics datasets/reports/widgets, document upload) and an AMS API (policies, customers, agents, contracts, hierarchy,
  tasks, document repository, page-config registry) — plus SSO integration guides for external identity providers. This profile
  is maintained in the API Evangelist network.
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - authentication
  - rate-limits
  - security
  generated: '2026-11-06'
  method: derived
image: https://cdn.prod.website-files.com/6891283959a9d392e4db12c1/68d598f0c0abbe7967241ea6_fintary-webclip.png
url: https://raw.githubusercontent.com/api-evangelist/fintary/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- sierra-ventures
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-08-14'
tags:
- Company
- Fintech
- Insurance
- Insurtech
- Commissions
- Revenue Operations
- Analytics
- Agency Management
- Policy Management
- Payouts
- Reconciliation
- OpenAPI
apis:
- aid: fintary:fintary-agents-api
  name: Fintary Agents API
  description: The Agents API from Fintary — 7 operation(s) for agents.
  humanURL: https://api.fintary.com/openapi-doc
  baseURL: https://api.fintary.com
  tags:
  - Agents
  properties:
  - type: OpenAPI
    url: openapi/fintary-agents-api-openapi.yml
  - type: APIReference
    url: https://api.fintary.com/openapi-doc
  - type: Documentation
    url: https://api.fintary.com/documentation
  - type: APIReference
    url: https://api.fintary.com/api-doc
- aid: fintary:fintary-ams-agents-api
  name: Fintary AMS - Agents API
  description: Agent management endpoints
  humanURL: https://api.fintary.com/openapi-doc
  baseURL: https://api.fintary.com
  tags:
  - AMS - Agents
  properties:
  - type: OpenAPI
    url: openapi/fintary-ams-agents-api-openapi.yml
  - type: APIReference
    url: https://api.fintary.com/openapi-doc
  - type: Documentation
    url: https://api.fintary.com/documentation
  - type: APIReference
    url: https://api.fintary.com/api-doc
- aid: fintary:fintary-ams-configs-api
  name: Fintary AMS - Configs API
  description: AMS configuration endpoints (statuses, roles)
  humanURL: https://api.fintary.com/openapi-doc
  baseURL: https://api.fintary.com
  tags:
  - AMS - Configs
  properties:
  - type: OpenAPI
    url: openapi/fintary-ams-configs-api-openapi.yml
  - type: APIReference
    url: https://api.fintary.com/openapi-doc
  - type: Documentation
    url: https://api.fintary.com/documentation
  - type: APIReference
    url: https://api.fintary.com/api-doc
- aid: fintary:fintary-ams-customers-api
  name: Fintary AMS - Customers API
  description: Customer management endpoints
  humanURL: https://api.fintary.com/openapi-doc
  baseURL: https://api.fintary.com
  tags:
  - AMS - Customers
  properties:
  - type: OpenAPI
    url: openapi/fintary-ams-customers-api-openapi.yml
  - type: APIReference
    url: https://api.fintary.com/openapi-doc
  - type: Documentation
    url: https://api.fintary.com/documentation
  - type: APIReference
    url: https://api.fintary.com/api-doc
- aid: fintary:fintary-ams-policies-api
  name: Fintary AMS - Policies API
  description: Policy management endpoints
  humanURL: https://api.fintary.com/openapi-doc
  baseURL: https://api.fintary.com
  tags:
  - AMS - Policies
  properties:
  - type: OpenAPI
    url: openapi/fintary-ams-policies-api-openapi.yml
  - type: APIReference
    url: https://api.fintary.com/openapi-doc
  - type: Documentation
    url: https://api.fintary.com/documentation
  - type: APIReference
    url: https://api.fintary.com/api-doc
- aid: fintary:fintary-ams-registry-api
  name: Fintary AMS - Registry API
  description: The AMS - Registry API from Fintary — 5 operation(s) for ams - registry.
  humanURL: https://api.fintary.com/openapi-doc
  baseURL: https://api.fintary.com
  tags:
  - AMS - Registry
  properties:
  - type: OpenAPI
    url: openapi/fintary-ams-registry-api-openapi.yml
  - type: APIReference
    url: https://api.fintary.com/openapi-doc
  - type: Documentation
    url: https://api.fintary.com/documentation
  - type: APIReference
    url: https://api.fintary.com/api-doc
- aid: fintary:fintary-ams-tasks-api
  name: Fintary AMS - Tasks API
  description: The AMS - Tasks API from Fintary — 5 operation(s) for ams - tasks.
  humanURL: https://api.fintary.com/openapi-doc
  baseURL: https://api.fintary.com
  tags:
  - AMS - Tasks
  properties:
  - type: OpenAPI
    url: openapi/fintary-ams-tasks-api-openapi.yml
  - type: APIReference
    url: https://api.fintary.com/openapi-doc
  - type: Documentation
    url: https://api.fintary.com/documentation
  - type: APIReference
    url: https://api.fintary.com/api-doc
- aid: fintary:fintary-analytics-api
  name: Fintary Analytics API
  description: The Analytics API from Fintary — 8 operation(s) for analytics.
  humanURL: https://api.fintary.com/openapi-doc
  baseURL: https://api.fintary.com
  tags:
  - Analytics
  properties:
  - type: OpenAPI
    url: openapi/fintary-analytics-api-openapi.yml
  - type: APIReference
    url: https://api.fintary.com/openapi-doc
  - type: Documentation
    url: https://api.fintary.com/documentation
  - type: APIReference
    url: https://api.fintary.com/api-doc
- aid: fintary:fintary-commission-reports-api
  name: Fintary Commission Reports API
  description: The Commission Reports API from Fintary — 1 operation(s) for commission reports.
  humanURL: https://api.fintary.com/openapi-doc
  baseURL: https://api.fintary.com
  tags:
  - Commission Reports
  properties:
  - type: OpenAPI
    url: openapi/fintary-commission-reports-api-openapi.yml
  - type: APIReference
    url: https://api.fintary.com/openapi-doc
  - type: Documentation
    url: https://api.fintary.com/documentation
  - type: APIReference
    url: https://api.fintary.com/api-doc
- aid: fintary:fintary-documents-api
  name: Fintary Documents API
  description: The Documents API from Fintary — 2 operation(s) for documents.
  humanURL: https://api.fintary.com/openapi-doc
  baseURL: https://api.fintary.com
  tags:
  - Documents
  properties:
  - type: OpenAPI
    url: openapi/fintary-documents-api-openapi.yml
  - type: APIReference
    url: https://api.fintary.com/openapi-doc
  - type: Documentation
    url: https://api.fintary.com/documentation
  - type: APIReference
    url: https://api.fintary.com/api-doc
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: CapabilityMap
  url: capabilities/fintary-capability-edges.yml
  name: Fintary Business Capability Map
- type: Overlay
  url: overlays/fintary-open-api-overlay.yaml
- type: Overlay
  url: overlays/fintary-ams-api-overlay.yaml
- type: Website
  url: https://fintary.com/
- type: PrivacyPolicy
  url: https://www.fintary.com/privacy-policy
- type: TermsOfService
  url: https://www.fintary.com/terms-of-service
- type: Support
  url: https://www.fintary.com/contact-us
- type: Blog
  url: https://fintary.com/resources
- type: Documentation
  url: https://api.fintary.com/documentation
- type: APIReference
  url: https://api.fintary.com/openapi-doc
- type: Login
  url: https://app.fintary.com
- type: StatusPage
  url: https://fintary.instatus.com/
- type: Compliance
  url: https://www.fintary.com/carriers
- type: DomainSecurity
  url: security/fintary-domain-security.yml
- type: Authentication
  url: authentication/fintary-authentication.yml
- type: Conventions
  url: conventions/fintary-conventions.yml
- type: ErrorCatalog
  url: errors/fintary-problem-types.yml
- type: DataModel
  url: data-model/fintary-data-model.yml
- type: Lifecycle
  url: lifecycle/fintary-lifecycle.yml
- type: Conformance
  url: conformance/fintary-conformance.yml
- type: Packages
  url: packages/fintary-packages.yml
- type: X-MCPServerCandidate
  url: mcp/fintary-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: LLMsTxt
  url: llms/fintary-llms.txt
- type: AgentSkill
  url: skills/_index.yml
- type: AgenticAccess
  url: agentic-access/fintary-agentic-access.yml
- type: Plans
  url: plans/fintary-plans-pricing.yml
- type: RateLimits
  url: rate-limits/fintary-rate-limits.yml
x-enrichment:
  date: '2026-08-14'
  status: enriched
  artifacts_added: 24
  pass: local-v1
  note: Contract discovery beat a prior "no API" finding. Two OpenAPI 3.0.0 documents (81 operations) are published on Fintary's
    own API host, embedded in the __NEXT_DATA__ of api.fintary.com/openapi-doc and /api-doc, which is why every conventional
    /openapi.json probe returns 404. Both were confirmed live (401 on real routes, 404 on a control path).

Fintary API — frequently asked questions

Does Fintary have an API?

Yes. APIs.io lists 10 APIs from Fintary, including Fintary Agents API, Fintary AMS - Agents API and Fintary AMS - Configs API, and 7 more.

Is there an OpenAPI specification for the Fintary API?

Yes. APIs.io indexes 10 OpenAPI specifications for Fintary, each linked for download from this page.

How do I authenticate with the Fintary API?

Fintary uses bearer-token authentication (apiKey/http · 2 schemes). The details are profiled on APIs.io as Fintary Authentication.

Is the Fintary API ready for AI agents?

Fintary has a Kin Score of 37.3 out of 100 (thin) and an Agent Readiness score of 31.1 (agent-ready), scored by API Evangelist on 2026-11-06.

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