Lunch Flow

Lunch Flow provides a unified API platform that connects bank accounts, investment accounts, and financial data across 30+ countries. It enables developers to embed financial data into their applications, offering personal and platform APIs for account transactions, balances, holdings, and user management. The service supports OAuth, Basic Auth, and detailed raw data access, targeting fintech integrations, budgeting tools, and investment tracking solutions.

Lunch Flow is listed with 1 API on the APIs.io network. Tagged areas include Fintech, API, Banking, Integration, and OpenAPI.

The Lunch Flow catalog on APIs.io includes 1 JSON-LD context and 1 Spectral governance ruleset.

Lunch Flow’s developer surface includes authentication, changelog, documentation, API reference, getting-started guide, support, pricing, and 15 more developer resources.

🌐 Visit website📡 Profile data on GitHub
41.4/100 developing Agent 38/100 agent ready Full breakdown ↓
scored 2026-10-31 · rubric v0.25.0 · Show this score on your site →
1 API
FintechAPIBankingIntegrationOpenAPIDeveloper

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-10-31 · rubric v0.25.0
Composite quality — 41.4/100 · developing
Contract Quality 5.6 / 21
Developer Ergonomics 7.7 / 17
Access Clarity 10.7 / 17
Operational Transparency 2.3 / 11
Contract Governance 3.6 / 10
Discoverability 5.3 / 9
Regulatory Posture 3.0 / 15
Agent readiness — 38/100 · agent ready
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 0 / 8
Request/Response Examples 7 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 4 / 4
Consent & Bot Identity 0 / 3
A2A Agent Card 0 / 8
Dry-Run / Simulate Mode 0 / 4
Delegated User Identity 6 / 6
Protected Resource Metadata 5 / 5
Registration Without a Human 6 / 6
Agentic Commerce Well-Known Document 0 / 5
Pagination 5 / 5
Distinct Operations 3 / 3
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/.
Show this score on your site. Kin Score badge preview for Lunch Flow It updates itself when the score changes. Paste this where you link to your API docs: 
<a href="https://apis.io/providers/lunch-flow/"><img src="https://apis.io/badge/lunch-flow/card.svg" alt="Lunch Flow on APIs.io — Kin Score by API Evangelist"></a>
Other styles, a README pill and a shields.io endpoint are on the badge page.
Raise your score.
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
  • Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes
  • Rate-Limit Signaling +7 pts — OpenAPI responses document X-RateLimit-* / RateLimit headers (verified), else a rate_limits artifact or RateLimits link (documented)
6 more unmet checks in the Agent Readiness table above.
Kin Score — facets with the most composite points still available (weight × headroom):
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/lunch-flow/apis.yml: open an issue on github.com/api-evangelist/lunch-flow 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 →

APIs 1

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

Lunch Flow API

Lunch Flow API as documented publicly: 19 operations. Contract generated from the documentation by API Evangelist (2026-10-27); not the provider's own document.

Pricing Plans 1

Published pricing tiers and plan structures.

Lunch Flow Plans Pricing

6 plans

PLANS

Semantic Vocabularies 1

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

Lunch Flow Context

8 classes · 11 properties

JSON-LD

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Lunch Flow API Rules

11 rules · 9 errors 1 warnings 1 info

SPECTRAL

JSON Schema 6

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

GetApiPlatformV1AccountsStringBalanceResponse

1 properties

JSON SCHEMA

GetApiPlatformV1AccountsStringHoldingsResponse

3 properties

JSON SCHEMA

GetApiV1AccountsStringHoldingsResponse

3 properties

JSON SCHEMA

PostApiPlatformOauthTokenRequest

4 properties

JSON SCHEMA

PutApiPlatformV1UsersStringRequest

1 properties

JSON SCHEMA

PutApiPlatformV1UsersStringResponse

1 properties

JSON SCHEMA

Security Posture 2

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

Lunch Flow Authentication

2 schemes

SECURITY

Lunch Flow Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Resources

Get Started 1

Portal, sign-up, and the first successful call

GettingStarted
GettingStarted

Documentation 2

Reference material describing how the API behaves

Documentation
Documentation
 APIReference
APIReference

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt
LLMsTxt
 WellKnown
WellKnown

Design & Contract 5

Pagination, idempotency, versioning, errors, and events

Spectral
Spectral
 JSONLD
JSONLD
 Vocabulary
Vocabulary
 DataModel
DataModel
 Conformance
Conformance

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization
GitHubOrganization

Access & Security 2

Authentication, authorization, and security posture

Authentication
Authentication
 DomainSecurity
DomainSecurity

Operate 2

Status, limits, changes, and where to get help

ChangeLog
ChangeLog
 Support
Support

Commercial 4

Pricing, plans, and the legal terms of use

Plans
Plans
 Pricing
Pricing
 TermsOfService
TermsOfService
 PrivacyPolicy
PrivacyPolicy

Company 1

The organization behind the API

Website
Website

Other 2

Properties that don't map to a standard resource type

Hosts
Hosts
 Vendors
Vendors

Source (apis.yml)

apis.yml Raw ↑ 
aid: lunch-flow
name: Lunch Flow
description: Lunch Flow provides a unified API platform that connects bank accounts, investment accounts, and financial data
  across 30+ countries. It enables developers to embed financial data into their applications, offering personal and platform
  APIs for account transactions, balances, holdings, and user management. The service supports OAuth, Basic Auth, and detailed
  raw data access, targeting fintech integrations, budgeting tools, and investment tracking solutions.
url: https://raw.githubusercontent.com/api-evangelist/lunch-flow/refs/heads/main/apis.yml
x-type: company
x-source: harvest:new-submission
x-tier: profiled
x-tier-reason: enrichment pass 2026-10-27 (modular-v1; was harvest)
specificationVersion: '0.20'
created: '2026-10-27'
modified: '2026-10-27'
tags:
- Fintech
- API
- Banking
- Integration
- OpenAPI
- Developer
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Plans
  url: plans/lunch-flow-plans-pricing.yml
- type: Spectral
  url: rules/lunch-flow-rules.yml
- type: JSONLD
  url: json-ld/lunch-flow-context.jsonld
- type: Vocabulary
  url: vocabulary/lunch-flow-vocabulary.yml
- type: DataModel
  url: data-model/lunch-flow-data-model.yml
- type: Authentication
  url: authentication/lunch-flow-authentication.yml
- type: Conformance
  url: conformance/lunch-flow-conformance.yml
- type: LLMsTxt
  url: llms/lunch-flow-llms.txt
- type: WellKnown
  url: well-known/lunch-flow-well-known.yml
- type: Hosts
  url: hosts/lunch-flow-hosts.yml
- type: Vendors
  url: vendors/lunch-flow-vendors.yml
- type: ChangeLog
  url: https://www.lunchflow.app/changelog
- type: GitHubOrganization
  url: https://github.com/lunchflow
- type: DomainSecurity
  url: security/lunch-flow-domain-security.yml
- type: Website
  url: https://www.lunchflow.app/
- type: Documentation
  url: https://www.lunchflow.app/docs/
- type: APIReference
  url: https://www.lunchflow.app/docs/api/platform-api-overview
- type: GettingStarted
  url: https://www.lunchflow.app/docs/guides/get-started/welcome
- type: Support
  url: https://www.lunchflow.app/docs/guides/account/security-privacy
- type: Pricing
  url: https://www.lunchflow.app/pricing
- type: TermsOfService
  url: https://www.lunchflow.app/terms
- type: PrivacyPolicy
  url: https://www.lunchflow.app/privacy
apis:
- aid: lunch-flow:lunch-flow-api
  name: Lunch Flow API
  description: 'Lunch Flow API as documented publicly: 19 operations. Contract generated from the documentation by API Evangelist
    (2026-10-27); not the provider''s own document.'
  humanURL: https://www.lunchflow.app/docs/api/personal-api-overview
  baseURL: https://lunchflow.app
  properties:
  - type: OpenAPI
    url: openapi/_ae-authored/lunch-flow-openapi-generated.yml
    x-provenance: generated
  - type: JSONSchema
    url: json-schema/lunch-flow-get-api-platform-v1-accounts-string-holdings-response-schema.json
  - type: JSONSchema
    url: json-schema/lunch-flow-get-api-v1-accounts-string-holdings-response-schema.json
  - type: JSONSchema
    url: json-schema/lunch-flow-put-api-platform-v1-users-string-response-schema.json
  - type: JSONSchema
    url: json-schema/lunch-flow-put-api-platform-v1-users-string-request-schema.json
  - type: JSONSchema
    url: json-schema/lunch-flow-post-api-platform-oauth-token-request-schema.json
  - type: JSONSchema
    url: json-schema/lunch-flow-get-api-platform-v1-accounts-string-balance-response-schema.json
x-submission-probe: 308 (-> https://www.lunchflow.app) 2026-10-25
x-coverage:
  state: unreadable
  reason: js-rendered-docs
  detail: Documentation pages are rendered via JavaScript and provide no machine‑readable spec.
  evidence:
  - url: https://www.lunchflow.app/docs/guides/get-started/welcome
    status: 200
  checked: '2026-10-27'
x-enrichment:
  date: '2026-10-27'
  status: enriched
  artifacts_added: 28
  pass: modular-v1
  engine: identity=local,contract=local,surfaces=local,docs=local,regulatory=local

Lunch Flow API — frequently asked questions

Does Lunch Flow have an API?

Yes. APIs.io lists 1 API from Lunch Flow, including Lunch Flow API.

Is there an OpenAPI specification for the Lunch Flow API?

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

How do I authenticate with the Lunch Flow API?

Lunch Flow documents its authentication (2 schemes). The details are profiled on APIs.io as Lunch Flow Authentication.

How much does the Lunch Flow API cost?

APIs.io lists 6 pricing plans for Lunch Flow, with each plan's price, limits and inclusions under Pricing Plans on this page.

Is the Lunch Flow API ready for AI agents?

Lunch Flow has a Kin Score of 41.4 out of 100 (developing) and an Agent Readiness score of 38.4 (agent-ready), scored by API Evangelist on 2026-10-31.

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