Novo

Novo is a New York- and Miami-based financial technology company, founded in 2016, that operates a digital business-banking platform for small businesses, entrepreneurs, and freelancers. Novo is not itself a chartered bank; it is a service provider to Middlesex Federal Savings, F.A. (Member FDIC), which holds the deposits and provides the underlying banking products accessed through Novo's app. The platform offers fee-free business checking, invoicing, Novo Reserves, expense management, a business debit/credit card, working-capital funding, and inbound integrations with tools like QuickBooks, Stripe, Shopify, and Wise. On open-finance posture, Novo publishes no first-party public developer API and runs no developer portal; consumer-permissioned account data (Auth, Balance, Identity, Transactions) is reached by third parties only through the Plaid aggregator. No documented FDX participation or CFPB Section 1033 data-access commitment is published as of this review.

Novo is profiled on the APIs.io network. Tagged areas include Financial-Services, Banking, United States, Neobank, and Small Business Banking.

Novo’s developer surface includes support, engineering blog, documentation, signup flow, getting-started guide, and 8 more developer resources.

🌐 Visit website 📡 Source on GitHub

20.4/100 emerging ▬ flat Agent 0/100 human only saas Full breakdown ↓
scored 2026-08-20 · rubric v0.12.0

0 APIs

Financial-Services Banking United States NeobankSmall Business BankingFintech Open Finance Data Aggregation

Kin Score

Kin Score How this is scored →
scored 2026-08-20 · rubric v0.12.0

Composite quality — 20.4/100 · emerging

Contract Quality 0.0 / 21

Developer Ergonomics 4.9 / 17

Access Clarity 8.5 / 17

Operational Transparency 0.0 / 11

Contract Governance 0.0 / 10

Discoverability 4.9 / 9

Regulatory Posture 3.6 / 15

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 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 0 / 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

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.

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/.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/novo: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

Get Started 2

Portal, sign-up, and the first successful call

Signup

Signup

GettingStarted

GettingStarted

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

Access & Security 3

Authentication, authorization, and security posture

TrustCenter

TrustCenter

DomainSecurity

DomainSecurity

Compliance

Compliance

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 2

Pricing, plans, and the legal terms of use

PrivacyPolicy

PrivacyPolicy

TermsOfService

TermsOfService

Company 3

The organization behind the API

Website

Website

Blog

Blog

LinkedIn

Source (apis.yml)

aid: novo
url: https://raw.githubusercontent.com/api-evangelist/novo/refs/heads/main/apis.yml
name: Novo
kind: company
description: Novo is a New York- and Miami-based financial technology company, founded in 2016, that operates a digital business-banking
  platform for small businesses, entrepreneurs, and freelancers. Novo is not itself a chartered bank; it is a service provider
  to Middlesex Federal Savings, F.A. (Member FDIC), which holds the deposits and provides the underlying banking products
  accessed through Novo's app. The platform offers fee-free business checking, invoicing, Novo Reserves, expense management,
  a business debit/credit card, working-capital funding, and inbound integrations with tools like QuickBooks, Stripe, Shopify,
  and Wise. On open-finance posture, Novo publishes no first-party public developer API and runs no developer portal; consumer-permissioned
  account data (Auth, Balance, Identity, Transactions) is reached by third parties only through the Plaid aggregator. No documented
  FDX participation or CFPB Section 1033 data-access commitment is published as of this review.
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-11'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Financial-Services
- Banking
- United States
- Neobank
- Small Business Banking
- Fintech
- Open Finance
- Data Aggregation
tags_raw:
- Financial Services
- Banking
- United States
- Neobank
- Small Business Banking
- Fintech
- Open Finance
- Data Aggregation
created: '2026-07-23'
modified: '2026-07-23'
enriched: '2026-07-23'
specificationVersion: '0.23'
apis: []
common:
- type: TrustCenter
  url: security/novo-trust-center.yml
- type: DomainSecurity
  url: security/novo-domain-security.yml
- type: Website
  url: https://novo.co
- type: Support
  url: https://novo.co/help
- type: PrivacyPolicy
  url: https://novo.co/legal/privacy
- type: TermsOfService
  url: https://novo.co/legal
- type: Blog
  url: https://novo.co/learn
- type: LinkedIn
  url: https://www.linkedin.com/company/banknovo
- type: Documentation
  url: https://plaid.com/institutions/novo/
- type: Signup
  url: https://app.novo.co/signup
- type: GettingStarted
  url: https://www.novo.co/get-started
- type: Compliance
  url: https://trust.novo.co/
- type: LLMsTxt
  url: llms/novo-llms.txt
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com