# Novo

**Canonical:** https://apis.io/providers/novo-bank/  
**Website:** https://www.novo.co/  
**APIs profiled:** 3

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.

## Kin Score — 25.0 / 100 (emerging)

Scored 2026-08-25 under rubric 0.14.0. Trend: flat (+0.0 from 25.0).

| Facet | Score |
|---|---|
| Discoverability | 64.8 |
| Contract Quality | 27.9 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 21.1 |
| Developer Ergonomics | 9.5 |
| Commercial Clarity | 47.4 |
| Access Clarity | 47.4 |

Regulatory layer — **Banking & Open Finance**: 13.9 (matched via tags).

## Agent readiness — 15.5 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| 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 |
| Delegated Identity | no |
| Protected Resource Metadata | no |
| Dynamic Client Registration | no |
| Agentic Commerce | no |

## Access

Paid — onboarding: unknown, pricing: paid, trial: no (confidence: medium).

## APIs (3)

- **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...

## Security (2)

- **Novo Bank Domain Security** — TLSv1.3 · HSTS · DMARC
- **Novo Bank Trust Center** — SOC 2

## Plans (1)

- **Novo Bank Plans Pricing**

## Tags

Banking, Business Banking, Fintech, Small Business, Freelancers, Payments

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