IF

Integrated Finance (IF) is a modular fintech infrastructure platform — a "financial operating system" — that lets companies build banking, card, and payment experiences for their users without becoming a bank. Its orchestration layers (IF API interface, IF CORE workflow, IF CONNECT integration) sit on top of multiple banking, card-issuing, FX, and compliance providers and expose a single REST API covering clients and users, real / virtual / shared-pool accounts, incoming and outgoing bank transfers, currency exchanges, card issuing and processing (including 3DS and PIN management), beneficiary verification, generic transactions, and open-banking consents. Authentication is OAuth 2.0 on Keycloak (JWT client assertion, client_credentials); the API supports idempotency on all POST endpoints, Ed25519-signed webhooks with automatic retry, and a full sandbox environment for testing.

IF publishes 1 API on the APIs.io network. Tagged areas include Company, Financial Services, Embedded Finance, Banking as a Service, and Payments.

The IF catalog on APIs.io includes 1 event-driven AsyncAPI specification.

IF’s developer surface includes documentation, API reference, getting-started guide, support, engineering blog, authentication, changelog, and 19 more developer resources.

🌐 Visit website 📡 Source on GitHub

47.9/100 developing ▬ flat Agent 39/100 agent aware Full breakdown ↓
scored 2026-07-27 · rubric v0.5

AccessSelf serve

1 APIs 1 MCP Servers

CompanyFinancial ServicesEmbedded FinanceBanking as a ServicePaymentsCardsForeign ExchangeComplianceOpen BankingAPI

Kin Score

Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5

Composite quality — 47.9/100 · developing

Contract Quality 5.7 / 25

Developer Ergonomics 13.5 / 20

Commercial Clarity 5.8 / 20

Operational Transparency 6.8 / 13

Governance 0.0 / 12

Discoverability 9.3 / 10

Agent readiness — 39/100 · agent aware

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 15

MCP Server 12 / 12

Machine-Readable Auth 10 / 10

Idempotency 9 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 6 / 6

Agent Skills 0 / 5

Well-Known Catalog 4 / 4

Consent & Bot Identity 0 / 3

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/if: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 1

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

Integrated Finance API

Single REST API for the Integrated Finance platform — clients, users, real / virtual / shared-pool accounts, bank transfers, currency exchanges, card issuing and processing, ben...

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

Scopes 1

OAuth scopes governing access to this provider's APIs.

If Scopes

11 scopes · clientCredentials

11 scopes

SCOPES

Resources

Get Started 3

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

GettingStarted

GettingStarted

Sandbox

Sandbox

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 3

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

WellKnown

WellKnown

MCPServer

MCPServer

Design & Contract 5

Pagination, idempotency, versioning, errors, and events

Conventions

Idempotency

Lifecycle

Conformance

Webhooks

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Access & Security 4

Authentication, authorization, and security posture

Compliance

Authentication

OAuthScopes

DomainSecurity

Operate 4

Status, limits, changes, and where to get help

Support

StatusPage

Deprecation

ChangeLog

Commercial 2

Pricing, plans, and the legal terms of use

PrivacyPolicy

PrivacyPolicy

TermsOfService

TermsOfService

Company 2

The organization behind the API

Website

Website

Blog

Blog

Source (apis.yml)

aid: if
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/if.png
name: IF
description: Integrated Finance (IF) is a modular fintech infrastructure platform — a "financial operating system" — that
  lets companies build banking, card, and payment experiences for their users without becoming a bank. Its orchestration layers
  (IF API interface, IF CORE workflow, IF CONNECT integration) sit on top of multiple banking, card-issuing, FX, and compliance
  providers and expose a single REST API covering clients and users, real / virtual / shared-pool accounts, incoming and outgoing
  bank transfers, currency exchanges, card issuing and processing (including 3DS and PIN management), beneficiary verification,
  generic transactions, and open-banking consents. Authentication is OAuth 2.0 on Keycloak (JWT client assertion, client_credentials);
  the API supports idempotency on all POST endpoints, Ed25519-signed webhooks with automatic retry, and a full sandbox environment
  for testing.
url: https://raw.githubusercontent.com/api-evangelist/if/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- 500-global
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-19'
tags:
- Company
- Financial Services
- Embedded Finance
- Banking as a Service
- Payments
- Cards
- Foreign Exchange
- Compliance
- Open Banking
- API
apis:
- name: Integrated Finance API
  description: Single REST API for the Integrated Finance platform — clients, users, real / virtual / shared-pool accounts,
    bank transfers, currency exchanges, card issuing and processing, beneficiary verification, generic transactions, and open-banking
    consents. OAuth 2.0 (Keycloak, JWT assertion), idempotent POSTs, Ed25519-signed webhooks.
  humanURL: https://developer.integrated.finance/docs
  baseURL: https://api.integrated.finance
  tags:
  - Banking as a Service
  - Payments
  - Cards
  - Foreign Exchange
  - Open Banking
  properties:
  - type: Documentation
    url: https://developer.integrated.finance/docs
  - type: APIReference
    url: https://developer.integrated.finance/reference
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://integrated.finance
- type: DeveloperPortal
  url: https://developer.integrated.finance
- type: Documentation
  url: https://developer.integrated.finance/docs
- type: APIReference
  url: https://developer.integrated.finance/reference
- type: GettingStarted
  url: https://developer.integrated.finance/docs/getting-started
- type: Support
  url: https://integrated.finance/support
- type: Blog
  url: https://integrated.finance/insights
- type: GitHubOrganization
  url: https://github.com/integrated-finance
- type: StatusPage
  url: https://integratedfinance.statuspage.io
- type: Deprecation
  url: https://developer.integrated.finance/docs/changes-to-the-api
- type: PrivacyPolicy
  url: https://integrated.finance/privacy-policy
- type: TermsOfService
  url: https://integrated.finance/terms-and-conditions
- type: Compliance
  url: https://integrated.finance/security-policy
- type: LLMsTxt
  url: llms/if-llms.txt
- type: WellKnown
  url: well-known/if-well-known.yml
- type: Authentication
  url: authentication/if-authentication.yml
- type: OAuthScopes
  url: scopes/if-scopes.yml
- type: Conventions
  url: conventions/if-conventions.yml
- type: Idempotency
  url: conventions/if-conventions.yml
- type: ChangeLog
  url: changelog/if-changelog.yml
- type: Lifecycle
  url: lifecycle/if-lifecycle.yml
- type: Conformance
  url: conformance/if-conformance.yml
- type: Sandbox
  url: sandbox/if-sandbox.yml
- type: Webhooks
  url: asyncapi/if-webhooks.yml
- type: MCPServer
  url: mcp/if-mcp.yml
- type: DomainSecurity
  url: security/if-domain-security.yml
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence

IF