Kontomatik

Kontomatik is a Warsaw- and Vilnius-based PSD2-licensed open banking provider delivering bank data aggregation, KYC, credit scoring, income verification, transaction labeling, and PDF statement parsing across Central and Eastern Europe (Poland, Czech Republic, Romania, Lithuania, Latvia, Estonia) and Iberia (Spain, Portugal). The platform combines an Account Information Service (AIS) with Single, Multiple, and Mixed access modes, Polish-bank PDF parsing in standard and trusted modes, and an analytical stack (labeling, vendor recognition, scoring, profiling, data summary, income confirmation) plus the Kontomatik Report. Operations are managed through the Insight client portal with API-key issuance, IP whitelisting, role-based access, and 2FA.

Kontomatik publishes 16 APIs on the APIs.io network, including Aggregation API, Catalog API, Command API, and 13 more. Tagged areas include Open Banking, PSD2, AIS, Bank Data Aggregation, and CEE.

The Kontomatik catalog on APIs.io includes 1 JSON-LD context and 2 Spectral governance rulesets.

Kontomatik’s developer surface includes authentication, developer portal, documentation, getting-started guide, support, signup flow, engineering blog, and 18 more developer resources.

🌐 Visit website 📡 Source on GitHub

55.0/100 strong ▬ flat Agent 21/100 agent aware saas Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0

AccessPaid

4 APIs 16 Features

Open Banking PSD2 AISBank Data AggregationCEEKYC Credit ScoringTransaction LabelingPDF Parsing

Kin Score

Kin Score How this is scored →
scored 2026-09-08 · rubric v0.20.0

Composite quality — 55.0/100 · strong

Contract Quality 12.9 / 19

Developer Ergonomics 7.5 / 15

Access Clarity 8.7 / 15

Operational Transparency 3.6 / 10

Contract Governance 2.6 / 9

Discoverability 4.9 / 8

Regulatory Posture 4.2 / 15

Create-or-Update Ergonomics 2.8 / 10

Agent readiness — 21/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 7 / 7

Rate-Limit Signaling 7 / 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 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

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 applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% 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/. 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 github.com/api-evangelist/kontomatik: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 16

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

Kontomatik Aggregation API

Cross-source aggregation

Kontomatik Catalog API

Bank coverage catalog

Kontomatik Command API

Background import commands and consent management

Kontomatik Confirmations API

Transaction confirmation PDF parsing

Kontomatik Features API

Owner-level financial metrics

Kontomatik Income API

Income confirmation

Kontomatik Labeling API

Transaction categorization

Kontomatik Mock API

Test session generation against KontoBank

Kontomatik Owner API

Owner data lifecycle

Kontomatik Profile API

Behavioral profiling (beta)

Kontomatik Reports API

Report token lifecycle

Kontomatik Score API

ML credit scoring

Kontomatik SignIn API

Redirection-based bank authentication flow

Kontomatik Statements API

Bank statement PDF parsing

Kontomatik Summary API

Aggregated financial summaries

Kontomatik Vendors API

Vendor / counterparty recognition (beta)

Scroll for all 16

Open Collections 21

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

API Collection

OPEN COLLECTION

Kontomatik Account Information Service Aggregation API

OPEN COLLECTION

Kontomatik Account Information Service API

OPEN COLLECTION

Kontomatik Account Information Service Aggregation Catalog API

OPEN COLLECTION

Kontomatik Account Information Service Aggregation Command API

OPEN COLLECTION

Kontomatik Account Information Service Aggregation Confirmations API

OPEN COLLECTION

Kontomatik Data Analysis API

OPEN COLLECTION

Kontomatik Account Information Service Aggregation Features API

OPEN COLLECTION

Kontomatik Account Information Service Aggregation Income API

OPEN COLLECTION

Kontomatik Account Information Service Aggregation Labeling API

OPEN COLLECTION

Kontomatik Account Information Service Aggregation Mock API

OPEN COLLECTION

Kontomatik Account Information Service Aggregation Owner API

OPEN COLLECTION

Kontomatik PDF Parsing API

OPEN COLLECTION

Kontomatik Account Information Service Aggregation Profile API

OPEN COLLECTION

Kontomatik Report API

OPEN COLLECTION

Kontomatik Account Information Service Aggregation Reports API

OPEN COLLECTION

Kontomatik Account Information Service Aggregation Score API

OPEN COLLECTION

Kontomatik Account Information Service Aggregation SignIn API

OPEN COLLECTION

Kontomatik Account Information Service Aggregation Statements API

OPEN COLLECTION

Kontomatik Account Information Service Aggregation Summary API

OPEN COLLECTION

Kontomatik Account Information Service Aggregation Vendors API

OPEN COLLECTION

Scroll for all 21

Pricing Plans 1

Published pricing tiers and plan structures.

Kontomatik Plans Pricing

2 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Kontomatik Rate Limits

5 limits

RATE LIMITS

FinOps 1

Cost, billing, and metering signals for API financial operations.

Kontomatik Finops

FINOPS

Features 16

Notable capabilities this provider offers.

PSD2-regulated Account Information Service (AIS) with Single, Multiple, and Mixed access modes

Multiple Access consent tokens reusable for up to 180 days

Redirection and Widget-based SignIn Flow

KontoBank mock bank for sandbox testing

PDF statement and confirmation parsing for Polish banks (standard and trusted modes)

Owner Upload endpoint for blending external financial data

Transaction labeling, vendor recognition (beta), and external-data labeling

ML credit scoring with repayment probability and explanations

Behavioral profiling (beta) and owner-feature extraction

Data summaries per category / account and income confirmation across four configurable timespans

Kontomatik Report (beta) — authenticated, time-bound shareable reports

Insight client portal with role-based access, 2FA, IP whitelisting, API key issuance, and usage statistics

ISO 27001 certified information security management

GDPR-compliant data handling with 24-hour default retention

Coverage across 8 CEE / Iberian markets — Poland, Czech Republic, Spain, Portugal, Romania, Lithuania, Latvia, Estonia

150+ live customers across financial services, e-commerce, real estate, accounting, and leasing

Scroll for all 16

Semantic Vocabularies 1

JSON-LD contexts and semantic vocabularies used across these APIs.

Kontomatik Context

33 classes · 0 properties

JSON-LD

Spectral Rules 2

Spectral governance rulesets for linting and validating these APIs.

Kontomatik API Rules

5 rules · 3 warnings 2 info

SPECTRAL

Kontomatik API Rules

5 rules · 2 errors 3 warnings

SPECTRAL

JSON Schema 3

Standalone JSON Schema definitions for this provider's data models.

KontomatikAccount

8 properties

JSON SCHEMA

KontomatikOwner

7 properties

JSON SCHEMA

KontomatikTransaction

10 properties

JSON SCHEMA

JSON Structure 1

JSON Structure definitions describing this provider's data shapes.

Kontomatik Owner Graph Structure

0 properties

JSON STRUCTURE

Examples 3

Example request and response payloads for these APIs.

Kontomatik Default Import Example

6 fields

EXAMPLE

Kontomatik Pdf Statement Example

5 fields

EXAMPLE

Kontomatik Score Example

5 fields

EXAMPLE

Security Posture 3

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

Kontomatik Authentication

apiKey · 1 scheme

SECURITY

Kontomatik Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Kontomatik Trust Center

ISO 27001, GDPR

SECURITY

Agentic Access 1

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

Kontomatik Agentic Access

30 operations · 13 acting

AGENTIC

Resources

Get Started 4

Portal, sign-up, and the first successful call

Portal

GettingStarted

Signup

Signup

Documentation 6

Reference material describing how the API behaves

Documentation

Documentation

Documentation

Documentation

Documentation

Documentation

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgenticAccess

Design & Contract 2

Pagination, idempotency, versioning, errors, and events

Vocabulary

Vocabulary

SpectralRules

SpectralRules

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Access & Security 4

Authentication, authorization, and security posture

TrustCenter

TrustCenter

DomainSecurity

DomainSecurity

Authentication

Authentication

Operate 3

Status, limits, changes, and where to get help

Support

Support

Support

Support

RateLimits

RateLimits

Commercial 2

Pricing, plans, and the legal terms of use

Plans

Plans

FinOps

FinOps

Company 3

The organization behind the API

Website

Website

LinkedIn

Blog

Blog

Other 3

Properties that don't map to a standard resource type

Source (apis.yml)

aid: kontomatik
url: https://raw.githubusercontent.com/api-evangelist/kontomatik/refs/heads/main/apis.yml
apis:
- aid: kontomatik:kontomatik-aggregation-api
  name: Kontomatik Aggregation API
  description: Cross-source aggregation
  humanURL: https://developer.kontomatik.com/docs/
  tags:
  - Aggregation
  properties:
  - type: OpenAPI
    url: openapi/kontomatik-aggregation-api-openapi.yml
  - type: Documentation
    url: https://developer.kontomatik.com/first-steps/api-overview/
  - type: Documentation
    url: https://developer.kontomatik.com/docs/
  - type: JSONSchema
    url: json-schema/kontomatik-owner-schema.json
  - type: JSONSchema
    url: json-schema/kontomatik-account-schema.json
  - type: JSONSchema
    url: json-schema/kontomatik-transaction-schema.json
  - type: JSONLD
    url: json-ld/kontomatik-context.jsonld
  - type: Examples
    url: examples/kontomatik-pdf-statement-example.json
  - type: Examples
    url: examples/kontomatik-score-example.json
  - type: JSONStructure
    url: json-structure/kontomatik-owner-graph-structure.json
- aid: kontomatik:kontomatik-catalog-api
  name: Kontomatik Catalog API
  description: Bank coverage catalog
  humanURL: https://developer.kontomatik.com/docs/
  tags:
  - Catalog
  properties:
  - type: OpenAPI
    url: openapi/kontomatik-catalog-api-openapi.yml
  - type: Documentation
    url: https://developer.kontomatik.com/first-steps/api-overview/
  - type: Documentation
    url: https://developer.kontomatik.com/docs/
  - type: JSONSchema
    url: json-schema/kontomatik-owner-schema.json
  - type: JSONSchema
    url: json-schema/kontomatik-account-schema.json
  - type: JSONSchema
    url: json-schema/kontomatik-transaction-schema.json
  - type: JSONLD
    url: json-ld/kontomatik-context.jsonld
  - type: Examples
    url: examples/kontomatik-pdf-statement-example.json
  - type: Examples
    url: examples/kontomatik-score-example.json
  - type: JSONStructure
    url: json-structure/kontomatik-owner-graph-structure.json
- aid: kontomatik:kontomatik-command-api
  name: Kontomatik Command API
  description: Background import commands and consent management
  humanURL: https://developer.kontomatik.com/docs/
  tags:
  - Command
  properties:
  - type: OpenAPI
    url: openapi/kontomatik-command-api-openapi.yml
  - type: Documentation
    url: https://developer.kontomatik.com/first-steps/api-overview/
  - type: Documentation
    url: https://developer.kontomatik.com/docs/
  - type: JSONSchema
    url: json-schema/kontomatik-owner-schema.json
  - type: JSONSchema
    url: json-schema/kontomatik-account-schema.json
  - type: JSONSchema
    url: json-schema/kontomatik-transaction-schema.json
  - type: JSONLD
    url: json-ld/kontomatik-context.jsonld
  - type: Examples
    url: examples/kontomatik-pdf-statement-example.json
  - type: Examples
    url: examples/kontomatik-score-example.json
  - type: JSONStructure
    url: json-structure/kontomatik-owner-graph-structure.json
- aid: kontomatik:kontomatik-confirmations-api
  name: Kontomatik Confirmations API
  description: Transaction confirmation PDF parsing
  humanURL: https://developer.kontomatik.com/docs/
  tags:
  - Confirmations
  properties:
  - type: OpenAPI
    url: openapi/kontomatik-confirmations-api-openapi.yml
  - type: Documentation
    url: https://developer.kontomatik.com/first-steps/api-overview/
  - type: Documentation
    url: https://developer.kontomatik.com/docs/
  - type: JSONSchema
    url: json-schema/kontomatik-owner-schema.json
  - type: JSONSchema
    url: json-schema/kontomatik-account-schema.json
  - type: JSONSchema
    url: json-schema/kontomatik-transaction-schema.json
  - type: JSONLD
    url: json-ld/kontomatik-context.jsonld
  - type: Examples
    url: examples/kontomatik-pdf-statement-example.json
  - type: Examples
    url: examples/kontomatik-score-example.json
  - type: JSONStructure
    url: json-structure/kontomatik-owner-graph-structure.json
- aid: kontomatik:kontomatik-features-api
  name: Kontomatik Features API
  description: Owner-level financial metrics
  humanURL: https://developer.kontomatik.com/docs/
  tags:
  - Features
  properties:
  - type: OpenAPI
    url: openapi/kontomatik-features-api-openapi.yml
  - type: Documentation
    url: https://developer.kontomatik.com/first-steps/api-overview/
  - type: Documentation
    url: https://developer.kontomatik.com/docs/
  - type: JSONSchema
    url: json-schema/kontomatik-owner-schema.json
  - type: JSONSchema
    url: json-schema/kontomatik-account-schema.json
  - type: JSONSchema
    url: json-schema/kontomatik-transaction-schema.json
  - type: JSONLD
    url: json-ld/kontomatik-context.jsonld
  - type: Examples
    url: examples/kontomatik-pdf-statement-example.json
  - type: Examples
    url: examples/kontomatik-score-example.json
  - type: JSONStructure
    url: json-structure/kontomatik-owner-graph-structure.json
- aid: kontomatik:kontomatik-income-api
  name: Kontomatik Income API
  description: Income confirmation
  humanURL: https://developer.kontomatik.com/docs/
  tags:
  - Income
  properties:
  - type: OpenAPI
    url: openapi/kontomatik-income-api-openapi.yml
  - type: Documentation
    url: https://developer.kontomatik.com/first-steps/api-overview/
  - type: Documentation
    url: https://developer.kontomatik.com/docs/
  - type: JSONSchema
    url: json-schema/kontomatik-owner-schema.json
  - type: JSONSchema
    url: json-schema/kontomatik-account-schema.json
  - type: JSONSchema
    url: json-schema/kontomatik-transaction-schema.json
  - type: JSONLD
    url: json-ld/kontomatik-context.jsonld
  - type: Examples
    url: examples/kontomatik-pdf-statement-example.json
  - type: Examples
    url: examples/kontomatik-score-example.json
  - type: JSONStructure
    url: json-structure/kontomatik-owner-graph-structure.json
- aid: kontomatik:kontomatik-labeling-api
  name: Kontomatik Labeling API
  description: Transaction categorization
  humanURL: https://developer.kontomatik.com/docs/
  tags:
  - Labeling
  properties:
  - type: OpenAPI
    url: openapi/kontomatik-labeling-api-openapi.yml
  - type: Documentation
    url: https://developer.kontomatik.com/first-steps/api-overview/
  - type: Documentation
    url: https://developer.kontomatik.com/docs/
  - type: JSONSchema
    url: json-schema/kontomatik-owner-schema.json
  - type: JSONSchema
    url: json-schema/kontomatik-account-schema.json
  - type: JSONSchema
    url: json-schema/kontomatik-transaction-schema.json
  - type: JSONLD
    url: json-ld/kontomatik-context.jsonld
  - type: Examples
    url: examples/kontomatik-pdf-statement-example.json
  - type: Examples
    url: examples/kontomatik-score-example.json
  - type: JSONStructure
    url: json-structure/kontomatik-owner-graph-structure.json
- aid: kontomatik:kontomatik-mock-api
  name: Kontomatik Mock API
  description: Test session generation against KontoBank
  humanURL: https://developer.kontomatik.com/docs/
  tags:
  - Mock
  properties:
  - type: OpenAPI
    url: openapi/kontomatik-mock-api-openapi.yml
  - type: Documentation
    url: https://developer.kontomatik.com/first-steps/api-overview/
  - type: Documentation
    url: https://developer.kontomatik.com/docs/
  - type: JSONSchema
    url: json-schema/kontomatik-owner-schema.json
  - type: JSONSchema
    url: json-schema/kontomatik-account-schema.json
  - type: JSONSchema
    url: json-schema/kontomatik-transaction-schema.json
  - type: JSONLD
    url: json-ld/kontomatik-context.jsonld
  - type: Examples
    url: examples/kontomatik-pdf-statement-example.json
  - type: Examples
    url: examples/kontomatik-score-example.json
  - type: JSONStructure
    url: json-structure/kontomatik-owner-graph-structure.json
- aid: kontomatik:kontomatik-owner-api
  name: Kontomatik Owner API
  description: Owner data lifecycle
  humanURL: https://developer.kontomatik.com/docs/
  tags:
  - Owner
  properties:
  - type: OpenAPI
    url: openapi/kontomatik-owner-api-openapi.yml
  - type: Documentation
    url: https://developer.kontomatik.com/first-steps/api-overview/
  - type: Documentation
    url: https://developer.kontomatik.com/docs/
  - type: JSONSchema
    url: json-schema/kontomatik-owner-schema.json
  - type: JSONSchema
    url: json-schema/kontomatik-account-schema.json
  - type: JSONSchema
    url: json-schema/kontomatik-transaction-schema.json
  - type: JSONLD
    url: json-ld/kontomatik-context.jsonld
  - type: Examples
    url: examples/kontomatik-pdf-statement-example.json
  - type: Examples
    url: examples/kontomatik-score-example.json
  - type: JSONStructure
    url: json-structure/kontomatik-owner-graph-structure.json
- aid: kontomatik:kontomatik-profile-api
  name: Kontomatik Profile API
  description: Behavioral profiling (beta)
  humanURL: https://developer.kontomatik.com/docs/
  tags:
  - Profile
  properties:
  - type: OpenAPI
    url: openapi/kontomatik-profile-api-openapi.yml
  - type: Documentation
    url: https://developer.kontomatik.com/first-steps/api-overview/
  - type: Documentation
    url: https://developer.kontomatik.com/docs/
  - type: JSONSchema
    url: json-schema/kontomatik-owner-schema.json
  - type: JSONSchema
    url: json-schema/kontomatik-account-schema.json
  - type: JSONSchema
    url: json-schema/kontomatik-transaction-schema.json
  - type: JSONLD
    url: json-ld/kontomatik-context.jsonld
  - type: Examples
    url: examples/kontomatik-pdf-statement-example.json
  - type: Examples
    url: examples/kontomatik-score-example.json
  - type: JSONStructure
    url: json-structure/kontomatik-owner-graph-structure.json
- aid: kontomatik:kontomatik-reports-api
  name: Kontomatik Reports API
  description: Report token lifecycle
  humanURL: https://developer.kontomatik.com/docs/
  tags:
  - Reports
  properties:
  - type: OpenAPI
    url: openapi/kontomatik-reports-api-openapi.yml
  - type: Documentation
    url: https://developer.kontomatik.com/first-steps/api-overview/
  - type: Documentation
    url: https://developer.kontomatik.com/docs/
  - type: JSONSchema
    url: json-schema/kontomatik-owner-schema.json
  - type: JSONSchema
    url: json-schema/kontomatik-account-schema.json
  - type: JSONSchema
    url: json-schema/kontomatik-transaction-schema.json
  - type: JSONLD
    url: json-ld/kontomatik-context.jsonld
  - type: Examples
    url: examples/kontomatik-pdf-statement-example.json
  - type: Examples
    url: examples/kontomatik-score-example.json
  - type: JSONStructure
    url: json-structure/kontomatik-owner-graph-structure.json
- aid: kontomatik:kontomatik-score-api
  name: Kontomatik Score API
  description: ML credit scoring
  humanURL: https://developer.kontomatik.com/docs/
  tags:
  - Score
  properties:
  - type: OpenAPI
    url: openapi/kontomatik-score-api-openapi.yml
  - type: Documentation
    url: https://developer.kontomatik.com/first-steps/api-overview/
  - type: Documentation
    url: https://developer.kontomatik.com/docs/
  - type: JSONSchema
    url: json-schema/kontomatik-owner-schema.json
  - type: JSONSchema
    url: json-schema/kontomatik-account-schema.json
  - type: JSONSchema
    url: json-schema/kontomatik-transaction-schema.json
  - type: JSONLD
    url: json-ld/kontomatik-context.jsonld
  - type: Examples
    url: examples/kontomatik-pdf-statement-example.json
  - type: Examples
    url: examples/kontomatik-score-example.json
  - type: JSONStructure
    url: json-structure/kontomatik-owner-graph-structure.json
- aid: kontomatik:kontomatik-signin-api
  name: Kontomatik SignIn API
  description: Redirection-based bank authentication flow
  humanURL: https://developer.kontomatik.com/docs/
  tags:
  - Sign In
  tags_raw:
  - SignIn
  properties:
  - type: OpenAPI
    url: openapi/kontomatik-signin-api-openapi.yml
  - type: Documentation
    url: https://developer.kontomatik.com/first-steps/api-overview/
  - type: Documentation
    url: https://developer.kontomatik.com/docs/
  - type: JSONSchema
    url: json-schema/kontomatik-owner-schema.json
  - type: JSONSchema
    url: json-schema/kontomatik-account-schema.json
  - type: JSONSchema
    url: json-schema/kontomatik-transaction-schema.json
  - type: JSONLD
    url: json-ld/kontomatik-context.jsonld
  - type: Examples
    url: examples/kontomatik-pdf-statement-example.json
  - type: Examples
    url: examples/kontomatik-score-example.json
  - type: JSONStructure
    url: json-structure/kontomatik-owner-graph-structure.json
- aid: kontomatik:kontomatik-statements-api
  name: Kontomatik Statements API
  description: Bank statement PDF parsing
  humanURL: https://developer.kontomatik.com/docs/
  tags:
  - Statements
  properties:
  - type: OpenAPI
    url: openapi/kontomatik-statements-api-openapi.yml
  - type: Documentation
    url: https://developer.kontomatik.com/first-steps/api-overview/
  - type: Documentation
    url: https://developer.kontomatik.com/docs/
  - type: JSONSchema
    url: json-schema/kontomatik-owner-schema.json
  - type: JSONSchema
    url: json-schema/kontomatik-account-schema.json
  - type: JSONSchema
    url: json-schema/kontomatik-transaction-schema.json
  - type: JSONLD
    url: json-ld/kontomatik-context.jsonld
  - type: Examples
    url: examples/kontomatik-pdf-statement-example.json
  - type: Examples
    url: examples/kontomatik-score-example.json
  - type: JSONStructure
    url: json-structure/kontomatik-owner-graph-structure.json
- aid: kontomatik:kontomatik-summary-api
  name: Kontomatik Summary API
  description: Aggregated financial summaries
  humanURL: https://developer.kontomatik.com/docs/
  tags:
  - Summary
  properties:
  - type: OpenAPI
    url: openapi/kontomatik-summary-api-openapi.yml
  - type: Documentation
    url: https://developer.kontomatik.com/first-steps/api-overview/
  - type: Documentation
    url: https://developer.kontomatik.com/docs/
  - type: JSONSchema
    url: json-schema/kontomatik-owner-schema.json
  - type: JSONSchema
    url: json-schema/kontomatik-account-schema.json
  - type: JSONSchema
    url: json-schema/kontomatik-transaction-schema.json
  - type: JSONLD
    url: json-ld/kontomatik-context.jsonld
  - type: Examples
    url: examples/kontomatik-pdf-statement-example.json
  - type: Examples
    url: examples/kontomatik-score-example.json
  - type: JSONStructure
    url: json-structure/kontomatik-owner-graph-structure.json
- aid: kontomatik:kontomatik-vendors-api
  name: Kontomatik Vendors API
  description: Vendor / counterparty recognition (beta)
  humanURL: https://developer.kontomatik.com/docs/
  tags:
  - Vendors
  properties:
  - type: OpenAPI
    url: openapi/kontomatik-vendors-api-openapi.yml
  - type: Documentation
    url: https://developer.kontomatik.com/first-steps/api-overview/
  - type: Documentation
    url: https://developer.kontomatik.com/docs/
  - type: JSONSchema
    url: json-schema/kontomatik-owner-schema.json
  - type: JSONSchema
    url: json-schema/kontomatik-account-schema.json
  - type: JSONSchema
    url: json-schema/kontomatik-transaction-schema.json
  - type: JSONLD
    url: json-ld/kontomatik-context.jsonld
  - type: Examples
    url: examples/kontomatik-pdf-statement-example.json
  - type: Examples
    url: examples/kontomatik-score-example.json
  - type: JSONStructure
    url: json-structure/kontomatik-owner-graph-structure.json
name: Kontomatik
tags:
- Open Banking
- PSD2
- AIS
- Bank Data Aggregation
- CEE
- KYC
- Credit Scoring
- Transaction Labeling
- PDF Parsing
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: paid
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Paid
  confidence: medium
  source:
  - plans
  - authentication
  - security
  generated: '2026-09-03'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/kontomatik.png
access: 3rd-Party
common:
- type: Website
  url: https://www.kontomatik.com/
- type: AgenticAccess
  url: agentic-access/kontomatik-agentic-access.yml
- type: TrustCenter
  url: security/kontomatik-trust-center.yml
- type: DomainSecurity
  url: security/kontomatik-domain-security.yml
- type: Authentication
  url: authentication/kontomatik-authentication.yml
- url: https://kontomatik.com
  type: Portal
- url: https://developer.kontomatik.com/
  name: Kontomatik Developer Portal
  type: Documentation
- url: https://developer.kontomatik.com/docs/
  name: Unified Documentation
  type: Documentation
- url: https://developer.kontomatik.com/first-steps/
  name: First Steps
  type: GettingStarted
- url: https://developer.kontomatik.com/first-steps/api-overview/
  name: API Overview
  type: Documentation
- url: https://developer.kontomatik.com/first-steps/getting-api-access/
  name: Getting API Access
  type: Documentation
- url: https://developer.kontomatik.com/first-steps/insight/
  name: Insight Client Portal Guide
  type: Documentation
- url: https://developer.kontomatik.com/user-guides/
  name: User Guides
  type: Documentation
- url: https://developer.kontomatik.com/faq/
  name: FAQ
  type: Support
- url: https://insight.kontomatik.com/
  name: Insight Client Portal
  type: Signup
- url: https://kontomatik.com/contact
  name: Contact
  type: Support
- url: https://calendly.com/dominik-wolski-kontomatik/demo-call
  name: Book a Demo
  type: Signup
- url: https://www.linkedin.com/company/kontomatik
  type: LinkedIn
- url: https://github.com/kontomatik
  type: GitHubOrganization
- url: https://kontomatik.com/blog
  type: Blog
- url: plans/kontomatik-plans-pricing.yml
  type: Plans
- url: rate-limits/kontomatik-rate-limits.yml
  type: RateLimits
- url: finops/kontomatik-finops.yml
  type: FinOps
- url: vocabulary/kontomatik-vocabulary.yml
  type: Vocabulary
- url: rules/kontomatik-rules.yml
  type: SpectralRules
- type: Coverage
  data:
  - country: Poland
    countryCode: PL
    banks: 32
  - country: Spain
    countryCode: ES
    banks: 24
  - country: Portugal
    countryCode: PT
    banks: 22
  - country: Czech Republic
    countryCode: CZ
    banks: 10
  - country: Romania
    countryCode: RO
    banks: 8
  - country: Lithuania
    countryCode: LT
    banks: 6
  - country: Latvia
    countryCode: LV
    banks: 5
  - country: Estonia
    countryCode: EE
    banks: 5
- type: Features
  data:
  - PSD2-regulated Account Information Service (AIS) with Single, Multiple, and Mixed access modes
  - Multiple Access consent tokens reusable for up to 180 days
  - Redirection and Widget-based SignIn Flow
  - KontoBank mock bank for sandbox testing
  - PDF statement and confirmation parsing for Polish banks (standard and trusted modes)
  - Owner Upload endpoint for blending external financial data
  - Transaction labeling, vendor recognition (beta), and external-data labeling
  - ML credit scoring with repayment probability and explanations
  - Behavioral profiling (beta) and owner-feature extraction
  - Data summaries per category / account and income confirmation across four configurable timespans
  - Kontomatik Report (beta) — authenticated, time-bound shareable reports
  - Insight client portal with role-based access, 2FA, IP whitelisting, API key issuance, and usage statistics
  - ISO 27001 certified information security management
  - GDPR-compliant data handling with 24-hour default retention
  - Coverage across 8 CEE / Iberian markets — Poland, Czech Republic, Spain, Portugal, Romania, Lithuania, Latvia, Estonia
  - 150+ live customers across financial services, e-commerce, real estate, accounting, and leasing
  sources:
  - https://kontomatik.com
  - https://developer.kontomatik.com/
  - https://developer.kontomatik.com/docs/
  - https://developer.kontomatik.com/first-steps/api-overview/
  - https://developer.kontomatik.com/first-steps/insight/
  updated: '2026-05-25'
- type: Office
  data:
  - name: Warsaw HQ
    entity: Kontomatik sp. z o.o.
    address: Bonifraterska 17, 00-203 Warsaw, Poland
    krs: 0000338706
    vatId: PL5213542911
  - name: Vilnius
    entity: Kontomatik UAB
    address: Didžioji 18, LT-01128 Vilnius, Lithuania
    registerNumber: '304852516'
- type: Email
  data:
  - label: General
    email: contact@kontomatik.com
  - label: Sales
    email: sales@kontomatik.com
  - label: Support
    email: support@kontomatik.com
  - label: Compliance
    email: compliance@kontomatik.com
  - label: PR
    email: pr@kontomatik.com
- type: Compliance
  data:
  - ISO 27001 certified
  - PSD2 licensed AIS provider
  - GDPR compliant
created: '2026-05-25T00:00:00.000Z'
modified: '2026-05-25'
position: Consuming
description: Kontomatik is a Warsaw- and Vilnius-based PSD2-licensed open banking provider delivering bank data aggregation,
  KYC, credit scoring, income verification, transaction labeling, and PDF statement parsing across Central and Eastern Europe
  (Poland, Czech Republic, Romania, Lithuania, Latvia, Estonia) and Iberia (Spain, Portugal). The platform combines an Account
  Information Service (AIS) with Single, Multiple, and Mixed access modes, Polish-bank PDF parsing in standard and trusted
  modes, and an analytical stack (labeling, vendor recognition, scoring, profiling, data summary, income confirmation) plus
  the Kontomatik Report. Operations are managed through the Insight client portal with API-key issuance, IP whitelisting,
  role-based access, and 2FA.
maintainers:
- FN: Kin Lane
  email: info@apievangelist.com
  X: apievangelist
  url: https://apievangelist.com
specificationVersion: '0.23'

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