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

51.1/100 developing ▬ flat Agent 33/100 agent aware Full breakdown ↓
scored 2026-08-20 · rubric v0.12.0

AccessSelf serve

1 APIs 1 MCP Servers

CompanyFinancial-ServicesEmbedded FinanceBanking as a ServicePaymentsCardsForeign ExchangeComplianceOpen Banking

Kin Score

Kin Score How this is scored →
scored 2026-08-20 · rubric v0.12.0

Composite quality — 51.1/100 · developing

Contract Quality 9.6 / 21

Developer Ergonomics 8.7 / 17

Access Clarity 4.9 / 17

Operational Transparency 5.5 / 11

Contract Governance 1.9 / 10

Discoverability 7.4 / 9

Regulatory Posture 11.3 / 15

Agent readiness — 33/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 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 0 / 4

Consent & Bot Identity 0 / 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/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: '0.23'
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
tags_raw:
- 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