# IF

**Canonical:** https://apis.io/providers/if/  
**Website:** https://integrated.finance  
**APIs profiled:** 1

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.

## Kin Score — 51.1 / 100 (developing)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 51.1).

| Facet | Score |
|---|---|
| Discoverability | 87.0 |
| Contract Quality | 45.1 |
| Governance | 18.2 |
| Contract Governance | 18.2 |
| Operational Transparency | 50.0 |
| Developer Ergonomics | 51.2 |
| Commercial Clarity | 28.9 |
| Access Clarity | 28.9 |

Regulatory layer — **Payments**: 75.0 (matched via tags).

## Agent readiness — 32.9 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | documented |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | yes |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: medium).

## APIs (1)

- **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)

- **IF MCP Server**

## Security (2)

- **If Authentication** — oauth2/openIdConnect · 2 schemes
- **If Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Company, Financial-Services, Embedded Finance, Banking as a Service, Payments, Cards, Foreign Exchange, Compliance, Open Banking

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/if/). Scores are computed from the provider's own public artifacts under a published rubric.