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 9 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

19.6/100 emerging ▬ flat Agent 14/100 agent aware Front door AI 4/6 moderate saas Full breakdown ↓
scored 2026-10-23 · rubric v0.25.0 · Show this score on your site →

AccessPaid

1 published contract

Banking Business Banking Fintech Small Business Freelancers Payments

Kin Score

Kin Score How this is scored →
scored 2026-10-23 · rubric v0.25.0

Composite quality — 19.6/100 · emerging

Contract Quality 6.8 / 21

Developer Ergonomics 3.2 / 17

Access Clarity 2.7 / 17

Operational Transparency 0.6 / 11

Contract Governance 0.0 / 10

Discoverability 4.9 / 9

Regulatory Posture 1.3 / 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

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.

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/novo-bank: 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 →

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)	undeclared	-	-	-

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.

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

Pricing Plans 1

Published pricing tiers and plan structures.

Novo Bank Plans Pricing

4 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Novo Bank Rate Limits

2 limits

RATE LIMITS

FinOps 1

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

Novo Bank Finops

FINOPS

Security Posture 2

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

Novo Bank Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Novo Bank 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

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: paid
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Paid
  confidence: medium
  source:
  - plans
  generated: '2026-07-22'
  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/
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

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