Novo

Novo is a U.S. business banking platform built for small businesses, freelancers, and self-employed professionals, offering a free business checking account, invoicing, reserves, AI-assisted bookkeeping, a business credit card, and funding. Banking services are provided by Middlesex Federal Savings, F.A. Novo does not publish a public self-service developer API; programmatic access to Novo account data is currently delivered through third-party aggregators (Plaid), and product integrations connect Novo accounts to tools like Stripe, Shopify, QuickBooks, Xero, Wise, and Square.

Novo publishes 3 API contracts indexed on the APIs.io network: Accounts, Transactions, and Payments. Tagged areas include Banking, Business Banking, Fintech, Small Business, and Freelancers.

Novo’s developer surface includes documentation, engineering blog, and 10 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

19.1/100 emerging ▬ flat Agent 14/100 agent aware Front door AI 4/6 moderate saas Full breakdown ↓
scored 2026-11-13 · rubric v0.28.0 · Show this score on your site →

AccessFreemium

1 published contract

Banking Business Banking Fintech Small Business Freelancers Payments

Kin Score

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

Composite quality — 19.1/100 · emerging

Contract Quality 6.8 / 21

Developer Ergonomics 3.2 / 17

Access Clarity 2.9 / 17

Operational Transparency 0.5 / 11

Contract Governance 0.0 / 10

Discoverability 4.9 / 9

Regulatory Posture 0.6 / 15

Agent readiness — 14/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 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

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/.

Show this score on your site.

It updates itself when the score changes. Paste this where you link to your API docs:

<a href="https://apis.io/providers/novo-bank/"><img src="https://apis.io/badge/novo-bank/card.svg" alt="Novo 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 Ask about this →
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author Ask about this →
Machine-Readable Auth +10 pts — a served openid-configuration/oauth-authorization-server carrying `issuer` (served), else the securitySchemes class in the provider OpenAPIs — bound (mutualTLS, DPoP, Signature) > negotiable (oauth2 authorizationCode/clientCredentials, openIdConnect) > bearer (http bearer, apiKey) Ask about this →
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) Ask about this →
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes Ask about this →
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0 Ask about this →

11 more unmet checks in the Agent Readiness table above.

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

Contract Quality scores 32.1 — up to +17.0 composite points Ask about this →
Access Clarity scores 17.0 — up to +16.6 composite points Ask about this →
Developer Ergonomics scores 19.0 — up to +16.2 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.

Not sure how this applies to your stack? Ask about any one item. Kin Lane reads every question, looks at your profile and your situation, and replies with what a fix would take — scoped to that one area, priced up front, yours whether you ship it or not. Ask a question →

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/novo-bank/apis.yml: open an issue on github.com/api-evangelist/novo-bank 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
Stripe App Marketplace and Partner Ecosystem (builders on Stripe)	standard	56.5	-	-

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.

Novo Accounts

Novo business checking account data - account identity, balances, and auth. Novo does not expose a public first-party Accounts API; account connectivity is provided through the ...

Novo Transactions

Novo transaction history and categorization used for bookkeeping and reconciliation. There is no documented public Novo Transactions API; transaction data is accessed via aggreg...

Novo Payments

Novo money movement - invoicing, ACH transfers, and faster payouts (Express ACH). These capabilities are delivered through the Novo app and partner rails; no public payments API...

Open Collections 1

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

Novo API

OPEN COLLECTION

Novo API pricing

Not yet checked against Novo's own pricing page. Compiled by API Evangelist on 2026-06-20 from www.novo.co/; confirm before you rely on a figure. A free plan or tier is listed.

Plan	Price
Novo Business Checking free	Free
Express ACH usage	—
Novo Funding usage	—
Novo Business Mastercard free	Free

Plan details, limits and sources →

Rate limits

First-Party API Rate Limit: not applicable requests
Aggregator Rate Limit (Plaid): see aggregator documentation requests

Compiled by API Evangelist, not yet checked against Novo's documentation. Rate-limit details →

Pricing Plans 1

Published pricing tiers and plan structures.

Novo Plans Pricing

4 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Novo Rate Limits

2 limits

RATE LIMITS

Compliance 1

Attestations the provider states (SOC 2, ISO 27001 and others), quoted from its own trust page. APIs.io verifies none of them.

Novo

1 quoted statement, read from Novo's own page on 2026-11-10.

COMPLIANCE

FinOps 1

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

Novo Finops

FINOPS

Security Posture 2

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

Novo Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Novo Trust Center

SOC 2

SECURITY

Resources

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

Documentation

Documentation

Access & Security 2

Authentication, authorization, and security posture

TrustCenter

TrustCenter

DomainSecurity

DomainSecurity

Operate 1

Status, limits, changes, and where to get help

RateLimits

RateLimits

Commercial 2

Pricing, plans, and the legal terms of use

Plans

Plans

FinOps

FinOps

Company 4

The organization behind the API

LinkedIn

Website

Website

Website

Website

Blog

Blog

Other 1

Properties that don't map to a standard resource type

Attestations

Attestations

Source (apis.yml)

aid: novo-bank
url: https://raw.githubusercontent.com/api-evangelist/novo-bank/refs/heads/main/apis.yml
name: Novo
kind: company
description: Novo is a U.S. business banking platform built for small businesses, freelancers, and self-employed professionals,
  offering a free business checking account, invoicing, reserves, AI-assisted bookkeeping, a business credit card, and funding.
  Banking services are provided by Middlesex Federal Savings, F.A. Novo does not publish a public self-service developer API;
  programmatic access to Novo account data is currently delivered through third-party aggregators (Plaid), and product integrations
  connect Novo accounts to tools like Stripe, Shopify, QuickBooks, Xero, Wise, and Square.
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: freemium
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Freemium
  confidence: low
  source:
  - plans
  - security
  generated: '2026-11-13'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/novo-bank.png
tags:
- Banking
- Business Banking
- Fintech
- Small Business
- Freelancers
- Payments
created: '2026-06-20'
modified: '2026-07-25'
specificationVersion: '0.23'
apis:
- aid: novo-bank:novo-accounts
  name: Novo Accounts
  tags:
  - Account
  - Balances
  - Banking
  tags_raw:
  - Accounts
  - Balances
  - Banking
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.novo.co/business-banking
  properties:
  - url: https://www.novo.co/business-banking
    type: Documentation
  - url: https://plaid.com/institutions/novo/
    type: APIReference
  - url: openapi/_original/novo-bank-openapi.yml
    type: OpenAPI
  description: Novo business checking account data - account identity, balances, and auth. Novo does not expose a public first-party
    Accounts API; account connectivity is provided through the Plaid aggregator (Assets, Auth, Balance products). Modeled
    here as a product surface, not a documented Novo endpoint.
- aid: novo-bank:novo-transactions
  name: Novo Transactions
  tags:
  - Transaction
  - Statements
  - Reconciliation
  tags_raw:
  - Transactions
  - Statements
  - Reconciliation
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.novo.co/business-banking
  properties:
  - url: https://www.novo.co/business-banking
    type: Documentation
  - url: https://plaid.com/institutions/novo/
    type: APIReference
  - url: openapi/_original/novo-bank-openapi.yml
    type: OpenAPI
  description: Novo transaction history and categorization used for bookkeeping and reconciliation. There is no documented
    public Novo Transactions API; transaction data is accessed via aggregators such as Plaid, or synced into accounting tools
    through Novo's productized integrations.
- aid: novo-bank:novo-payments
  name: Novo Payments
  tags:
  - Payments
  - ACH
  - Invoicing
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.novo.co/features/invoices
  properties:
  - url: https://www.novo.co/features/invoices
    type: Documentation
  - url: openapi/_original/novo-bank-openapi.yml
    type: OpenAPI
  description: Novo money movement - invoicing, ACH transfers, and faster payouts (Express ACH). These capabilities are delivered
    through the Novo app and partner rails; no public payments API is documented for third-party developers. Modeled as a
    product surface.
common:
- type: TrustCenter
  url: security/novo-bank-trust-center.yml
- type: DomainSecurity
  url: security/novo-bank-domain-security.yml
- type: LinkedIn
  url: https://www.linkedin.com/company/banknovo
- type: Website
  url: https://www.novo.co/
- type: Documentation
  url: https://www.novo.co/integrations
- type: Plans
  url: plans/novo-bank-plans-pricing.yml
- type: RateLimits
  url: rate-limits/novo-bank-rate-limits.yml
- type: FinOps
  url: finops/novo-bank-finops.yml
- type: Website
  url: https://novo.co
- type: Blog
  url: https://novo.co/learn
- type: Documentation
  url: https://plaid.com/institutions/novo/
- type: Attestations
  url: compliance/novo-bank-compliance.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

Novo API — frequently asked questions

Does Novo have an API?

Yes. APIs.io lists 3 APIs from Novo, including Novo Accounts, Novo Transactions and Novo Payments.

Is there an OpenAPI specification for the Novo API?

Yes. APIs.io indexes 3 OpenAPI specifications for Novo, each linked for download from this page.

How much does the Novo API cost?

APIs.io lists 4 pricing plans for Novo, with each plan's price, limits and inclusions under Pricing on this page.

Is the Novo API ready for AI agents?

Novo has a Kin Score of 19.1 out of 100 (emerging) and an Agent Readiness score of 13.6 (agent-aware), scored by API Evangelist on 2026-11-13.

Work with this as data

Every provider here is available over the APIs.io API and to AI agents over MCP.

MCP server

One button, every client — Claude, Cursor, VS Code and the rest.

https://apis.io/mcp

Tools for providers

9 MCP tools reach this

find_providersBrowse and filter every provider in the catalog.
get_provider_artifactsEvery artifact this provider publishes, grouped by type.
get_provider_operationsEvery operation across all of their OpenAPIs — one call instead of parsing every spec.
get_provider_toolsEvery MCP tool they ship, with the operation each wraps.
get_provider_evidenceHow each part of their score was established. Free — the basis for a claim should not sit behind it.
get_provider_ratingPRO — composite, band, trend and facet scores.
apis_io_searchSTART HERE — APIs, providers and tags for one query, each with its total.
resolveTurn a domain, URL or GitHub org into the provider it belongs to.
find_cohortsEvery scored population of providers in the catalog.

All 92 tools →

Call it yourself

curl for this page

This provider

curl "https://apis.io/api/v1/providers/novo-bank"

All providers

curl "https://apis.io/api/v1/providers?limit=25"

Every operation they expose

curl "https://apis.io/api/v1/providers/novo-bank/operations?limit=25"

How their score was established

curl "https://apis.io/api/v1/providers/novo-bank/evidence"

Calls without X-API-Key need no key. Calls with it need a paid plan — get a key.

Get an API key

Free tier, no form to fill in. Signing in shares your email address with us — we store it to create your key and to recognise you if you sign in with another provider. See our Privacy Policy and Terms.

GitHub Google LinkedIn

A second provider on the same verified email joins the account you already have.