FISKIL

Fiskil provides an Open Banking and Open Data platform enabling banks and financial institutions to securely share consumer‑permissioned data via standardized APIs. Their solutions support data portability, partner onboarding, credential‑free access, and regulatory readiness, helping organizations reduce compliance risk, eliminate screen‑scraping, and transform data access into a competitive advantage. Targeted at the North American market, Fiskil’s platform offers scalable, auditable data sharing that meets industry standards and modern consumer expectations.

FISKIL publishes 9 API contracts indexed on the APIs.io network, including Auth API, Banking API, Common API, and 6 more. Tagged areas include Open Banking, Data Sharing, Financial Services, API Platform, and North America.

The FISKIL catalog on APIs.io includes 1 event-driven AsyncAPI specification, 1 JSON-LD context, and 1 Spectral governance ruleset.

FISKIL’s developer surface includes changelog, authentication, getting-started guide, documentation, API reference, support, engineering blog, and 23 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

43.3/100 developing ▼ -9.4 Agent 37/100 agent ready Heartbeat 100/100 alive Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

AccessSelf serve

1 published contract 3 Agent Skills

Open Banking Data Sharing Financial Services API Platform North America

What this lets a business do 1

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

Personal Finance & Consumer Money

AE-190

BankingTransactions

GET /v1/banking/accounts GET /v1/banking/balances GET /v1/banking/transactions POST /v1/banking/transactions/refresh

Kin Score

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

Composite quality — 43.3/100 · developing

Contract Quality 13.3 / 19

Developer Ergonomics 4.7 / 15

Access Clarity 4.3 / 15

Operational Transparency 2.8 / 10

Contract Governance 2.0 / 9

Discoverability 5.6 / 8

Regulatory Posture 3.5 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 37/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 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 6 / 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 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.

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
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
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)

7 more unmet checks in the Agent Readiness table above.

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

Access Clarity scores 28.9 — up to +14.2 composite points
Developer Ergonomics scores 31.5 — up to +13.7 composite points
Contract Governance scores 22.0 — up to +9.4 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/fiskil/apis.yml: open an issue on github.com/api-evangelist/fiskil 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 9

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

Fiskil API

Consumer-permissioned banking, lending and energy data for Australia and New Zealand, through one API.

FISKIL Auth API

Consent authorisation sessions.

FISKIL Banking API

Accounts, balances, transactions, income, payees, scheduled payments, direct debits and products.

FISKIL Common API

Identity and data-freshness endpoints shared across sectors.

FISKIL Consent API

Consent arrangements and permissions.

FISKIL End users API

The people whose data is shared.

FISKIL Energy API

Energy accounts, smart-meter usage, billing, invoices, plans, service points, concessions and DER.

FISKIL Institutions API

Banks, lenders and energy providers available to connect to.

FISKIL Transactions API

The Transactions API from FISKIL — 2 operation(s) for transactions.

Scroll for all 9

Agent Skills 3

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

fiskil-get-account-overview

AGENT SKILL

fiskil-manage-end-users

AGENT SKILL

fiskil-refresh-banking-transactions

AGENT SKILL

Event Specifications 1

AsyncAPI definitions for this provider's event-driven and streaming APIs.

Fiskil Webhooks

ASYNCAPI

Semantic Vocabularies 1

JSON-LD contexts and semantic vocabularies used across these APIs.

Fiskil Context

120 classes · 372 properties

JSON-LD

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

FISKIL API Rules

15 rules · 12 errors 2 warnings 1 info

SPECTRAL

Security Posture 4

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

Fiskil Authentication

1 scheme

SECURITY

Fiskil Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Fiskil Vulnerability Disclosure

no policy recorded

SECURITY

Fiskil Trust Center

SOC 2

SECURITY

Resources

Get Started 2

Portal, sign-up, and the first successful call

Login

GettingStarted

GettingStarted

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

AgentSkill

AgentSkill

LLMsTxt

LLMsTxt

Design & Contract 8

Pagination, idempotency, versioning, errors, and events

Spectral

JSONLD

Vocabulary

Conformance

Webhooks

DataModel

Conventions

ErrorCatalog

Scroll for all 8

Access & Security 6

Authentication, authorization, and security posture

Compliance

Authentication

Security

TrustCenter

VulnerabilityDisclosure

VulnerabilityDisclosure

DomainSecurity

DomainSecurity

Operate 2

Status, limits, changes, and where to get help

ChangeLog

ChangeLog

Support

Support

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 3

The organization behind the API

Newsroom

Newsroom

Website

Website

Blog

Blog

Other 3

Properties that don't map to a standard resource type

CapabilityMap

CapabilityMap

Hosts

Hosts

Vendors

Vendors

Source (apis.yml)

aid: fiskil
name: FISKIL
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  gated: none
  gated_source:
  - onboarding
  label: Self-serve signup
  confidence: low
  source:
  - authentication
  - security
  generated: '2026-11-06'
  method: derived
image: https://www.fiskil.com/images/open-graph-main.png
description: Fiskil provides an Open Banking and Open Data platform enabling banks and financial institutions to securely
  share consumer‑permissioned data via standardized APIs. Their solutions support data portability, partner onboarding, credential‑free
  access, and regulatory readiness, helping organizations reduce compliance risk, eliminate screen‑scraping, and transform
  data access into a competitive advantage. Targeted at the North American market, Fiskil’s platform offers scalable, auditable
  data sharing that meets industry standards and modern consumer expectations.
url: https://raw.githubusercontent.com/api-evangelist/fiskil/refs/heads/main/apis.yml
x-type: company
x-source: harvest:new-submission
x-tier: profiled
x-tier-reason: enrichment pass 2026-10-08 (modular-v1; was harvest)
specificationVersion: '0.20'
created: '2026-10-08'
modified: '2026-10-08'
tags:
- Open Banking
- Data Sharing
- Financial Services
- API Platform
- North America
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: CapabilityMap
  url: capabilities/fiskil-capability-edges.yml
  name: FISKIL Business Capability Map
- type: Spectral
  url: rules/fiskil-rules.yml
- type: JSONLD
  url: json-ld/fiskil-context.jsonld
- type: Vocabulary
  url: vocabulary/fiskil-vocabulary.yml
- type: Conformance
  url: conformance/fiskil-conformance.yml
- type: AgentSkill
  url: skills/_index.yml
- type: Webhooks
  url: asyncapi/fiskil-webhooks.yml
- type: DataModel
  url: data-model/fiskil-data-model.yml
- type: ChangeLog
  url: changelog/fiskil-changelog.yml
- type: Conventions
  url: conventions/fiskil-conventions.yml
- type: Compliance
  url: https://www.fiskil.com/security
- type: Authentication
  url: authentication/fiskil-authentication.yml
- type: ErrorCatalog
  url: errors/fiskil-problem-types.yml
- type: LLMsTxt
  url: llms/fiskil-llms.txt
- type: Hosts
  url: hosts/fiskil-hosts.yml
- type: Vendors
  url: vendors/fiskil-vendors.yml
- type: Security
  url: https://www.fiskil.com/security
- type: Newsroom
  url: https://www.fiskil.com/press
- type: Login
  url: https://console.fiskil.com/auth/login
- type: GettingStarted
  url: https://docs.fiskil.com/data-api/guides/getting-started/authentication
- type: Documentation
  url: https://docs.fiskil.com/
- type: APIReference
  url: https://docs.fiskil.com/llms-full.txt
- type: TrustCenter
  url: security/fiskil-trust-center.yml
- type: VulnerabilityDisclosure
  url: security/fiskil-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/fiskil-domain-security.yml
- type: Website
  url: https://www.fiskil.com/
- type: Support
  url: https://www.fiskil.com/contact
- type: Blog
  url: https://blog.fiskil.com/
- type: TermsOfService
  url: https://www.fiskil.com/legal/terms-of-service
- type: PrivacyPolicy
  url: https://www.fiskil.com/legal/privacy-policy
apis:
- name: Fiskil API
  description: Consumer-permissioned banking, lending and energy data for Australia and New Zealand, through one API.
  humanURL: https://docs.fiskil.com/data-api/api-reference
  baseURL: https://api.fiskil.com
  aid: fiskil:fiskil-api
- aid: fiskil:fiskil-auth-api
  name: FISKIL Auth API
  description: Consent authorisation sessions.
  humanURL: https://docs.fiskil.com/data-api/api-reference
  baseURL: https://api.fiskil.com
  tags:
  - Authentication
  tags_raw:
  - Auth
  properties:
  - type: OpenAPI
    url: openapi/fiskil-auth-api-openapi.yml
- aid: fiskil:fiskil-banking-api
  name: FISKIL Banking API
  description: Accounts, balances, transactions, income, payees, scheduled payments, direct debits and products.
  humanURL: https://docs.fiskil.com/data-api/api-reference
  baseURL: https://api.fiskil.com
  tags:
  - Banking
  properties:
  - type: OpenAPI
    url: openapi/fiskil-banking-api-openapi.yml
- aid: fiskil:fiskil-common-api
  name: FISKIL Common API
  description: Identity and data-freshness endpoints shared across sectors.
  humanURL: https://docs.fiskil.com/data-api/api-reference
  baseURL: https://api.fiskil.com
  tags:
  - Common
  properties:
  - type: OpenAPI
    url: openapi/fiskil-common-api-openapi.yml
- aid: fiskil:fiskil-consent-api
  name: FISKIL Consent API
  description: Consent arrangements and permissions.
  humanURL: https://docs.fiskil.com/data-api/api-reference
  baseURL: https://api.fiskil.com
  tags:
  - Consent
  properties:
  - type: OpenAPI
    url: openapi/fiskil-consent-api-openapi.yml
- aid: fiskil:fiskil-end-users-api
  name: FISKIL End users API
  description: The people whose data is shared.
  humanURL: https://docs.fiskil.com/data-api/api-reference
  baseURL: https://api.fiskil.com
  tags:
  - End Users
  tags_raw:
  - End users
  properties:
  - type: OpenAPI
    url: openapi/fiskil-end-users-api-openapi.yml
- aid: fiskil:fiskil-energy-api
  name: FISKIL Energy API
  description: Energy accounts, smart-meter usage, billing, invoices, plans, service points, concessions and DER.
  humanURL: https://docs.fiskil.com/data-api/api-reference
  baseURL: https://api.fiskil.com
  tags:
  - Energy
  properties:
  - type: OpenAPI
    url: openapi/fiskil-energy-api-openapi.yml
- aid: fiskil:fiskil-institutions-api
  name: FISKIL Institutions API
  description: Banks, lenders and energy providers available to connect to.
  humanURL: https://docs.fiskil.com/data-api/api-reference
  baseURL: https://api.fiskil.com
  tags:
  - Institutions
  properties:
  - type: OpenAPI
    url: openapi/fiskil-institutions-api-openapi.yml
- aid: fiskil:fiskil-transactions-api
  name: FISKIL Transactions API
  description: The Transactions API from FISKIL — 2 operation(s) for transactions.
  humanURL: https://docs.fiskil.com/data-api/api-reference
  baseURL: https://api.fiskil.com
  tags:
  - Transaction
  tags_raw:
  - Transactions
  properties:
  - type: OpenAPI
    url: openapi/fiskil-transactions-api-openapi.yml
x-enrichment:
  date: '2026-10-08'
  status: enriched
  artifacts_added: 20
  pass: modular-v1
  engine: identity=local,contract=local,surfaces=local,docs=local,regulatory=local

FISKIL API — frequently asked questions

Does FISKIL have an API?

Yes. APIs.io lists 9 APIs from FISKIL, including Fiskil API, FISKIL Auth API and FISKIL Banking API, and 6 more.

Is there an OpenAPI specification for the FISKIL API?

Yes. APIs.io indexes 8 OpenAPI specifications for FISKIL, each linked for download from this page.

How do I authenticate with the FISKIL API?

FISKIL uses bearer-token authentication (1 scheme). The details are profiled on APIs.io as Fiskil Authentication.

Is the FISKIL API ready for AI agents?

FISKIL has a Kin Score of 43.3 out of 100 (developing) and an Agent Readiness score of 36.6 (agent-ready), scored by API Evangelist on 2026-11-06.

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