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

24.9/100 emerging ▬ flat Agent 0/100 human only Full breakdown ↓
scored 2026-07-27 · rubric v0.5

0 APIs

Financial ServicesBankingUnited StatesNeobankSmall Business BankingFintechOpen FinanceData Aggregation

Kin Score

Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5

Composite quality — 24.9/100 · emerging

Contract Quality 0.0 / 25

Developer Ergonomics 5.2 / 20

Commercial Clarity 10.0 / 20

Operational Transparency 0.0 / 13

Governance 0.0 / 12

Discoverability 6.8 / 10

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 15

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

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.
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
created: '2026-07-23'
modified: '2026-07-23'
enriched: '2026-07-23'
specificationVersion: '0.19'
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