# Kontomatik

**Canonical:** https://apis.io/providers/kontomatik/  
**Website:** https://kontomatik.com  
**APIs profiled:** 16

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.

## Kin Score — 52.1 / 100 (developing)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 52.1).

| Facet | Score |
|---|---|
| Discoverability | 64.8 |
| Contract Quality | 67.0 |
| Governance | 25.0 |
| Contract Governance | 25.0 |
| Operational Transparency | 36.8 |
| Developer Ergonomics | 50.0 |
| Commercial Clarity | 57.9 |
| Access Clarity | 57.9 |

Regulatory layer — **Banking & Open Finance**: 27.8 (matched via tags).

## Agent readiness — 29.1 (agent-aware)

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

## Access

Paid · Self-serve signup — onboarding: self-serve, pricing: paid, trial: no (confidence: high).

## APIs (16)

- **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)

## Agentic access (1)

- **Kontomatik Agentic Access** — 30 operations · 13 acting

## Security (3)

- **Kontomatik Authentication** — apiKey · 1 scheme
- **Kontomatik Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC
- **Kontomatik Trust Center** — ISO 27001, GDPR

## Plans (1)

- **Kontomatik Plans Pricing**

## Tags

Open Banking, PSD2, AIS, Bank Data Aggregation, CEE, KYC, Credit Scoring, Transaction Labeling, PDF Parsing

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