# Novo

**Canonical:** https://apis.io/providers/novo/  
**Website:** https://novo.co  
**APIs profiled:** 0

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.

## Kin Score — 20.4 / 100 (emerging)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 20.4).

| Facet | Score |
|---|---|
| Discoverability | 57.4 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 28.6 |
| Commercial Clarity | 50.0 |
| Access Clarity | 50.0 |

Regulatory layer — **Banking & Open Finance**: 24.1 (matched via tags).

## Agent readiness — 0.0 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Security (2)

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

## Tags

Financial-Services, Banking, United States, Neobank, Small Business Banking, Fintech, Open Finance, Data Aggregation

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