Konsentus

Konsentus is a UK-headquartered specialist provider of identity verification and trust services for open banking and open finance ecosystems. Its flagship Konsentus Verify SaaS API gives Financial Institutions (ASPSPs) real-time PSD2 Third-Party Provider (TPP) identity and regulatory checking against National Competent Authority registers across the EEA, validating eIDAS, OBIE, and OBHD certificates with the issuing Qualified Trust Service Provider. The Konsentus Certificate Chain Service keeps the eIDAS trust chain current, and the Konsentus Open Trust Platform plus advisory practice helps central banks and market operators stand up national open finance trust frameworks under PSD2, PSD3, and FiDA. Trusted by 250+ financial institutions globally.

Konsentus publishes 3 API contracts indexed on the APIs.io network, including PSP Checking Service API, and 2 more. Tagged areas include Open Banking, Open Finance, PSD2, PSD3, and FIDA.

The Konsentus catalog on APIs.io includes 1 Spectral governance ruleset.

Konsentus’ developer surface includes authentication, developer portal, documentation, getting-started guide, release notes, support, FAQ, and 25 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

38.5/100 thin ▬ flat Agent 27/100 agent aware Front door AI 4/6 moderate Heartbeat 0/100 dormant saas Full breakdown ↓
scored 2026-11-13 · rubric v0.28.0 · Show this score on your site →

1 published contract 13 Features

Open Banking Open Finance PSD2 PSD3 FIDATPP VerificationIdentity eIDAS Trust ServicesRegulatory CheckingFinancial Services

Kin Score

Kin Score How this is scored →
scored 2026-11-13 · rubric v0.28.0

Composite quality — 38.5/100 · thin

Contract Quality 11.1 / 21

Developer Ergonomics 9.3 / 17

Access Clarity 5.1 / 17

Operational Transparency 2.1 / 11

Contract Governance 1.4 / 10

Discoverability 5.0 / 9

Regulatory Posture 1.7 / 15

Agent readiness — 27/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 6 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 9 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 4 / 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 does not apply to this provider. The published contracts declare no write operations, and a read-only API cannot create-or-update. The facet is excluded from this provider's denominator entirely — not scored zero. A reference or data API is not deficient for being unable to upsert.

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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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 Ask about this →
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0 Ask about this →
Rate-Limit Signaling +7 pts — OpenAPI responses document X-RateLimit-* / RateLimit headers (verified), else a rate_limits artifact or RateLimits link (documented) Ask about this →
Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link Ask about this →
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document Ask about this →
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) Ask about this →

6 more unmet checks in the Agent Readiness table above.

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

Access Clarity scores 29.8 — up to +14.0 composite points Ask about this →
Contract Quality scores 52.0 — up to +12.0 composite points Ask about this →
Operational Transparency scores 19.0 — up to +10.5 composite points Ask about this →

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.

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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/konsentus/apis.yml: open an issue on github.com/api-evangelist/konsentus 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
EU/EEA Payment and E-Money Institutions (PSD2 passports)	standard	17.2 (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.

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 3

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

Konsentus Certificate Chain Service API

Managed service that maintains the up-to-date eIDAS certificate trust chain required to secure PSD2 Open Banking API traffic. Removes the burden of tracking EU trusted list upda...

Konsentus Open Trust Platform

End-to-end platform used by central banks and market operators to build, manage, and maintain national or regional open finance trust frameworks. Covers participant onboarding, ...

Konsentus PSP Checking Service API

Third-Party Provider identity and regulatory validation

Open Collections 2

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

Konsentus Verify PSP Checking Service API

OPEN COLLECTION

Konsentus Verify API

OPEN COLLECTION

Terms of Service 1

What its API terms permit and prohibit, quoted from its own page.

Konsentus

16 quoted statements, read from Konsentus's own page on 2026-11-09.

TERMS

Privacy & Data 1

Its role, the data it processes, retention and transfers, quoted from its own privacy page.

Konsentus

21 quoted statements, read from Konsentus's own page on 2026-11-09.

PRIVACY

Eligibility 1

Who may sign up and where, quoted from its own terms.

Konsentus

3 quoted statements, read from Konsentus's own page on 2026-11-09.

ELIGIBILITY

Data License 1

How its data and outputs may be reused, quoted from its own terms.

Konsentus

3 quoted statements, read from Konsentus's own page on 2026-11-09.

LICENSE

Features 13

Notable capabilities this provider offers.

Real-time Third-Party Provider (TPP) identity verification via eIDAS certificates

Real-time TPP regulatory status checking against National Competent Authority (NCA) registers on a pan-EEA basis

Support for eIDAS, OBIE, and OBHD certificate test scenarios

Certificate Chain Service tracking EU trusted list, QTSP changes, and root/intermediate rotation

Immutable audit log of every identity and regulatory check

Access token issuance, validation, and lifecycle management on behalf of the ASPSP (OAuth 2.0)

Directory of 5,000+ regulated PISPs, AISPs, and ASPSPs

Deployment as SaaS API, customer portal, or on-premise

Customisable data feed frequency to match business requirements

Pay-only-for-what-you-consume commercial model

Konsentus Open Trust Platform for central banks and market operators building open finance frameworks

Advisory and training services for PSD2, PSD3, and FiDA market participants

250+ financial institutions on the platform with claimed 100% uptime

Scroll for all 13

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs. Counts are the severity each rule declares, not results of running them.

Konsentus API Rules

61 rules · 59 error-severity 1 warn-severity 1 info-severity

SPECTRAL

Security Posture 2

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

Konsentus Authentication

http · 1 scheme

SECURITY

Konsentus Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Agentic Access (API Evangelist recommendations) 1

Recommended x-agentic-access execution contracts for AI agents.

Konsentus Agentic Access

1 operation

1 operations · 0 acting

AGENTIC

Resources

Get Started 3

Portal, sign-up, and the first successful call

Portal

Portal

GettingStarted

GettingStarted

Sandbox

Sandbox

Documentation 3

Reference material describing how the API behaves

Documentation

Documentation

Documentation

Documentation

Swagger

Swagger

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgenticAccess

Design & Contract 2

Pagination, idempotency, versioning, errors, and events

Versioning

Versioning

ErrorCodes

ErrorCodes

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Access & Security 3

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Authentication

Authentication

Authentication

Authentication

Operate 5

Status, limits, changes, and where to get help

ReleaseNotes

Support

FAQ

Contact

PressReleases

Commercial 4

Pricing, plans, and the legal terms of use

PrivacyPolicy

TermsOfService

UsageTerms

DataLicense

Company 3

The organization behind the API

Website

Website

Blog

Blog

LinkedIn

Other 7

Properties that don't map to a standard resource type

Glossary

Glossary

AcceptableUsePolicy

CookiePolicy

Events

DataProcessing

Eligibility

Scroll for all 7

Source (apis.yml)

aid: konsentus
url: https://raw.githubusercontent.com/api-evangelist/konsentus/refs/heads/main/apis.yml
apis:
- aid: konsentus:konsentus-certificate-chain-service-api
  name: Konsentus Certificate Chain Service API
  tags:
  - Open Banking
  - PSD2
  - Certificates
  - eIDAS
  - Trust Chain
  humanURL: https://docs.psd.konsentus.com/
  properties:
  - url: https://docs.psd.konsentus.com/
    type: Documentation
  description: 'Managed service that maintains the up-to-date eIDAS certificate trust chain required to

    secure PSD2 Open Banking API traffic. Removes the burden of tracking EU trusted list

    updates, QTSP changes, and root/intermediate certificate rotation for ASPSPs.

    '
- aid: konsentus:konsentus-open-trust-platform
  name: Konsentus Open Trust Platform
  tags:
  - Open Banking
  - Open Finance
  - Trust Framework
  - Directory
  - Ecosystem
  humanURL: https://www.konsentus.com
  properties:
  - url: https://www.konsentus.com
    type: Documentation
  description: 'End-to-end platform used by central banks and market operators to build, manage, and

    maintain national or regional open finance trust frameworks. Covers participant onboarding,

    directory services, certificate issuance and management, consent infrastructure, and

    regulatory reporting for emerging open finance regimes including FiDA.

    '
- aid: konsentus:konsentus-psp-checking-service-api
  name: Konsentus PSP Checking Service API
  description: Third-Party Provider identity and regulatory validation
  humanURL: https://developers.konsentus.com/api-reference/introduction.html
  baseURL: https://api.konsentus.com
  tags:
  - PSP Checking Service
  properties:
  - type: OpenAPI
    url: openapi/konsentus-psp-checking-service-api-openapi.yml
  - type: Documentation
    url: https://developers.konsentus.com/api-reference/introduction.html
  - type: Swagger
    url: https://swagger.konsentus.com/
  - type: Authentication
    url: https://developers.konsentus.com/api-reference/fi-authentication.html
  - type: Versioning
    url: https://developers.konsentus.com/api-reference/endpoint-versioning.html
  - type: Documentation
    url: https://developers.konsentus.com/api-reference/transaction-jurisdictions.html
  - type: ErrorCodes
    url: https://developers.konsentus.com/api-reference/error-codes.html
name: Konsentus
tags:
- Open Banking
- Open Finance
- PSD2
- PSD3
- FIDA
- TPP Verification
- Identity
- eIDAS
- Trust Services
- Regulatory Checking
- Financial Services
tags_raw:
- Open Banking
- Open Finance
- PSD2
- PSD3
- FiDA
- TPP Verification
- Identity
- eIDAS
- Trust Services
- Regulatory Checking
- Financial Services
- Financial-Services
kind: contract
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - 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
  generated: '2026-11-13'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/konsentus.png
access: 3rd-Party
common:
- type: Website
  url: https://www.konsentus.com/
- type: AgenticAccess
  url: agentic-access/konsentus-agentic-access.yml
- type: DomainSecurity
  url: security/konsentus-domain-security.yml
- type: Authentication
  url: authentication/konsentus-authentication.yml
- type: Portal
  url: https://www.konsentus.com
- type: Documentation
  url: https://developers.konsentus.com/api-reference/introduction.html
- type: Documentation
  url: https://docs.psd.konsentus.com/
- type: Swagger
  url: https://swagger.konsentus.com/
- type: GettingStarted
  url: https://developers.konsentus.com/api-reference/getting-started.html
- type: Authentication
  url: https://developers.konsentus.com/api-reference/fi-authentication.html
- type: Versioning
  url: https://developers.konsentus.com/api-reference/endpoint-versioning.html
- type: ErrorCodes
  url: https://developers.konsentus.com/api-reference/error-codes.html
- type: Glossary
  url: https://developers.konsentus.com/api-reference/glossary.html
- type: ReleaseNotes
  url: https://developers.konsentus.com/api-reference/release-notes.html
- type: Support
  url: https://developers.konsentus.com/api-reference/support.html
- type: FAQ
  url: https://developers.konsentus.com/api-reference/faqs.html
- type: Sandbox
  url: https://www.konsentus.com/first-psd2-open-banking-tpp-sandbox/
- type: PrivacyPolicy
  url: https://www.konsentus.com/privacy-policy
- type: TermsOfService
  url: https://www.konsentus.com/terms-conditions
- type: AcceptableUsePolicy
  url: https://www.konsentus.com/acceptable-use-policy
- type: CookiePolicy
  url: https://www.konsentus.com/cookie-policy
- type: Contact
  url: https://www.konsentus.com/contact
- type: Blog
  url: https://www.konsentus.com/content-hub
- type: PressReleases
  url: https://www.konsentus.com/press-releases
- type: Events
  url: https://www.konsentus.com/events
- type: LinkedIn
  url: https://www.linkedin.com/company/konsentus/
- type: X
  url: https://twitter.com/konsentus/
- type: GitHubOrganization
  url: https://github.com/konsentus
- type: Features
  data:
  - Real-time Third-Party Provider (TPP) identity verification via eIDAS certificates
  - Real-time TPP regulatory status checking against National Competent Authority (NCA) registers on a pan-EEA basis
  - Support for eIDAS, OBIE, and OBHD certificate test scenarios
  - Certificate Chain Service tracking EU trusted list, QTSP changes, and root/intermediate rotation
  - Immutable audit log of every identity and regulatory check
  - Access token issuance, validation, and lifecycle management on behalf of the ASPSP (OAuth 2.0)
  - Directory of 5,000+ regulated PISPs, AISPs, and ASPSPs
  - Deployment as SaaS API, customer portal, or on-premise
  - Customisable data feed frequency to match business requirements
  - Pay-only-for-what-you-consume commercial model
  - Konsentus Open Trust Platform for central banks and market operators building open finance frameworks
  - Advisory and training services for PSD2, PSD3, and FiDA market participants
  - 250+ financial institutions on the platform with claimed 100% uptime
  sources:
  - https://www.konsentus.com
  - https://www.konsentus.com/konsentus-verify/
  - https://developers.konsentus.com/api-reference/introduction.html
  - https://docs.psd.konsentus.com/
  updated: '2026-05-25'
- type: UsageTerms
  url: terms/konsentus-terms-of-service.yml
- type: DataProcessing
  url: privacy/konsentus-privacy-policy.yml
- type: Eligibility
  url: eligibility/konsentus-eligibility.yml
- type: DataLicense
  url: data-license/konsentus-data-license.yml
created: '2026-05-25'
modified: '2026-05-25'
position: Consuming
description: 'Konsentus is a UK-headquartered specialist provider of identity verification and trust services

  for open banking and open finance ecosystems. Its flagship Konsentus Verify SaaS API gives

  Financial Institutions (ASPSPs) real-time PSD2 Third-Party Provider (TPP) identity and

  regulatory checking against National Competent Authority registers across the EEA, validating

  eIDAS, OBIE, and OBHD certificates with the issuing Qualified Trust Service Provider. The

  Konsentus Certificate Chain Service keeps the eIDAS trust chain current, and the Konsentus

  Open Trust Platform plus advisory practice helps central banks and market operators stand up

  national open finance trust frameworks under PSD2, PSD3, and FiDA. Trusted by 250+ financial

  institutions globally.

  '
maintainers:
- FN: Kin Lane
  email: info@apievangelist.com
  X: apievangelist
  url: https://apievangelist.com
specificationVersion: '0.23'

Konsentus API — frequently asked questions

Does Konsentus have an API?

Yes. APIs.io lists 3 APIs from Konsentus, including Konsentus Certificate Chain Service API, Konsentus Open Trust Platform and Konsentus PSP Checking Service API.

Is there an OpenAPI specification for the Konsentus API?

Yes. APIs.io indexes 1 OpenAPI specification for Konsentus, each linked for download from this page.

How do I authenticate with the Konsentus API?

Konsentus uses bearer-token authentication (http · 1 scheme). The details are profiled on APIs.io as Konsentus Authentication.

Is the Konsentus API ready for AI agents?

Konsentus has a Kin Score of 38.5 out of 100 (thin) and an Agent Readiness score of 26.7 (agent-aware), scored by API Evangelist on 2026-11-13.

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