Insurely

Insurely is a European open finance platform that provides real-time access to consented, structured financial data across investments, pensions, insurance, savings, and credit. Its Open Finance API lets financial institutions, fintechs, and AI companies create end users, capture user consent, run data collections (including PSD2 banking data), and retrieve normalized wealth data through a signal-and-fetch webhook model. The API pairs a static backend API key with short-lived per-user JWT session tokens, pins versions via a date-based Insurely-Version header, and runs on EU-only AWS infrastructure under ISO/IEC 27001 certification and GDPR compliance. Insurely is backed by Insight Partners.

Insurely is listed with 1 API on the APIs.io network. Tagged areas include Company, Open Finance, Insurance, Fintech, and PSD2.

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

Insurely’s developer surface includes documentation, API reference, getting-started guide, signup flow, support, engineering blog, authentication, and 16 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

36.3/100 thin ▬ flat Agent 23/100 agent aware Front door AI 4/6 moderate Heartbeat 100/100 alive saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

1 API

Company Open Finance Insurance Fintech PSD2 Financial Data Data Aggregation Pensions Wealth Europe

Kin Score

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

Composite quality — 36.3/100 · thin

Contract Quality 8.3 / 21

Developer Ergonomics 9.3 / 17

Access Clarity 2.7 / 17

Operational Transparency 2.9 / 11

Contract Governance 1.9 / 10

Discoverability 6.2 / 9

Regulatory Posture 2.6 / 15

Agent readiness — 23/100 · 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 0 / 9

Stable Error Semantics 8 / 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

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 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 could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

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/.

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<a href="https://apis.io/providers/insurely/"><img src="https://apis.io/badge/insurely/card.svg" alt="Insurely on APIs.io — Kin Score by API Evangelist"></a>

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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
Rate-Limit Signaling +7 pts — OpenAPI responses document X-RateLimit-* / RateLimit headers (verified), else a rate_limits artifact or RateLimits link (documented)
Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link

9 more unmet checks in the Agent Readiness table above.

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

Access Clarity scores 15.8 — up to +16.8 composite points
Contract Quality scores 39.0 — up to +15.3 composite points
Contract Governance scores 18.2 — up to +9.8 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/insurely/apis.yml: open an issue on github.com/api-evangelist/insurely 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 →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
Nordic Financial Registers (Swedish and Norwegian licence registers)	regulated	19.2 (thin)	-	-
EU/EEA Payment and E-Money Institutions (PSD2 passports)	regulated	19.2 (thin)	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

APIs 1

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

Insurely Open Finance API

Create end users, capture consent, run data collections (including PSD2 banking data), and retrieve structured wealth data. Dual auth (backend API key + per-user JWT), date-base...

Event Specifications 1

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

Insurely Collection Webhooks

ASYNCAPI

Security Posture 3

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

Insurely Authentication

apiKey/http · 2 schemes

SECURITY

Insurely Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Insurely Trust Center

ISO 27001, GDPR

SECURITY

Resources

Get Started 4

Portal, sign-up, and the first successful call

DeveloperPortal

GettingStarted

SignUp

Sandbox

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

X-MCPServerCandidate

X-MCPServerCandidate

LLMsTxt

LLMsTxt

Design & Contract 5

Pagination, idempotency, versioning, errors, and events

Conventions

Webhooks

ErrorCatalog

Lifecycle

Conformance

Access & Security 5

Authentication, authorization, and security posture

Authentication

Compliance

TrustCenter

DomainSecurity

Security

Operate 2

Status, limits, changes, and where to get help

Support

Support

StatusPage

StatusPage

Company 3

The organization behind the API

BlogRSS

BlogRSS

Website

Website

Blog

Blog

Source (apis.yml)

aid: insurely
name: Insurely
description: Insurely is a European open finance platform that provides real-time access to consented, structured financial
  data across investments, pensions, insurance, savings, and credit. Its Open Finance API lets financial institutions, fintechs,
  and AI companies create end users, capture user consent, run data collections (including PSD2 banking data), and retrieve
  normalized wealth data through a signal-and-fetch webhook model. The API pairs a static backend API key with short-lived
  per-user JWT session tokens, pins versions via a date-based Insurely-Version header, and runs on EU-only AWS infrastructure
  under ISO/IEC 27001 certification and GDPR compliance. Insurely is backed by Insight Partners.
url: https://raw.githubusercontent.com/api-evangelist/insurely/refs/heads/main/apis.yml
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - 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
  - security
  - sandbox
  generated: '2026-11-06'
  method: derived
image: https://assets.insurely.com/images/favicon.png
x-type: company
x-source: vc-portfolio
x-backed-by:
- insight-partners
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-10-06'
tags:
- Company
- Open Finance
- Insurance
- Fintech
- PSD2
- Financial Data
- Data Aggregation
- Pensions
- Wealth
- Europe
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
apis:
- name: Insurely Open Finance API
  description: Create end users, capture consent, run data collections (including PSD2 banking data), and retrieve structured
    wealth data. Dual auth (backend API key + per-user JWT), date-based versioning, and collection webhooks.
  humanURL: https://docs.insurely.com/integration
  baseURL: https://api.insurely.com
  tags:
  - Open Finance
  - PSD2
  - Financial Data
  - Consent
  properties:
  - type: Documentation
    url: https://docs.insurely.com/integration
  - type: GettingStarted
    url: https://docs.insurely.com/integration/api/quick-start/
  - type: APIReference
    url: https://docs.insurely.com/integration/api/collecting-psd2-data/
  - type: Authentication
    url: authentication/insurely-authentication.yml
  - type: Conventions
    url: conventions/insurely-conventions.yml
  - type: Webhooks
    url: asyncapi/insurely-collection-webhooks.yml
  - type: ErrorCatalog
    url: errors/insurely-collection-states.yml
  - type: Lifecycle
    url: lifecycle/insurely-lifecycle.yml
  - type: X-MCPServerCandidate
    url: mcp/insurely-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.'
common:
- url: https://www.insurely.com/blog/rss.xml
  type: BlogRSS
- type: Website
  url: https://www.insurely.com/
- type: DeveloperPortal
  url: https://hub.insurely.com/
- type: Documentation
  url: https://docs.insurely.com/integration
- type: APIReference
  url: https://docs.insurely.com/integration/api/collecting-psd2-data/
- type: GettingStarted
  url: https://docs.insurely.com/integration/api/quick-start/
- type: SignUp
  url: https://hub.insurely.com/login/register
- type: Support
  url: https://www.insurely.com/contact
- type: Blog
  url: https://www.insurely.com/blog
- type: StatusPage
  url: https://status.insurely.com
- type: Authentication
  url: authentication/insurely-authentication.yml
- type: Conventions
  url: conventions/insurely-conventions.yml
- type: Webhooks
  url: asyncapi/insurely-collection-webhooks.yml
- type: ErrorCatalog
  url: errors/insurely-collection-states.yml
- type: Lifecycle
  url: lifecycle/insurely-lifecycle.yml
- type: Sandbox
  url: sandbox/insurely-sandbox.yml
- type: X-MCPServerCandidate
  url: mcp/insurely-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/insurely-llms.txt
- type: Conformance
  url: conformance/insurely-conformance.yml
- type: Compliance
  url: https://trust.insurely.com/
- type: TrustCenter
  url: security/insurely-trust-center.yml
- type: DomainSecurity
  url: security/insurely-domain-security.yml
- type: Security
  url: https://www.insurely.com/security
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence

Insurely API — frequently asked questions

Does Insurely have an API?

Yes. APIs.io lists 1 API from Insurely, including Insurely Open Finance API.

How do I authenticate with the Insurely API?

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

Is the Insurely API ready for AI agents?

Insurely has a Kin Score of 36.3 out of 100 (thin) and an Agent Readiness score of 22.7 (agent-aware), scored by API Evangelist on 2026-11-06.

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