Ntropy

Ntropy provides a financial data standardization and enrichment API that turns raw bank transactions and bank-statement PDFs into structured, contextual data. Its products cover transaction enrichment (categorization, entity/merchant identification and recurring-payment detection), bank-statement OCR and extraction, account-holder ledgers, entity resolution, personalization rules, and event webhooks. The v3 REST API (base https://api.ntropy.com) uses API-key header auth, cursor pagination, and a credit-based rate model, and is used for underwriting, transaction approval, personal finance, customer retention and accounting. Ntropy is a fintech company backed by QED Investors; it ships an official Python SDK and a first-party MCP server.

Ntropy publishes 16 APIs on the APIs.io network, including Account Holder API, accountHolders API, Bank statements API, and 13 more. Tagged areas include Company, Fintech, Transaction Enrichment, Financial Data, and Data Enrichment.

The Ntropy catalog on APIs.io includes 1 event-driven AsyncAPI specification.

Ntropy’s developer surface includes documentation, API reference, getting-started guide, support, engineering blog, signup flow, authentication, and 23 more developer resources.

🌐 Visit website 📡 Source on GitHub
55.4/100 developing ▬ flat Agent 82/100 agent native Full breakdown ↓
scored 2026-07-27 · rubric v0.5
AccessSelf serve
16 APIs 1 MCP Servers
CompanyFintechTransaction EnrichmentFinancial DataData EnrichmentBank StatementsCategorizationUnderwriting

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 55.4/100 · developing
Contract Quality 16.1 / 25
Developer Ergonomics 14.8 / 20
Commercial Clarity 6.8 / 20
Operational Transparency 7.9 / 13
Governance 0.0 / 12
Discoverability 10.0 / 10
Agent readiness — 82/100 · agent native
Machine-Readable Contract 18 / 18
Agentic Access Contract 15 / 15
MCP Server 12 / 12
Machine-Readable Auth 10 / 10
Idempotency 0 / 9
Stable Error Semantics 8 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 7 / 7
Typed Event Surface 6 / 6
Agent Skills 5 / 5
Well-Known Catalog 4 / 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/ntropy: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 16

Individual APIs this provider publishes, each with its own machine-readable definition.

Ntropy Account Holder API

Ledger operations

Ntropy accountHolders API

The accountHolders API from Ntropy — 2 operation(s) for accountholders.

Ntropy Bank statements API

The bank statements API allows you to view and enrich transactions found in bank statements. Below is a table with the description of each of the statuses and steps that each ba...

Ntropy bankStatements API

The bankStatements API from Ntropy — 4 operation(s) for bankstatements.

Ntropy batches API

The batches API from Ntropy — 3 operation(s) for batches.

Ntropy categories API

The categories API from Ntropy — 2 operation(s) for categories.

Ntropy Enrichment API

Transaction enrichment.

Ntropy entities API

The entities API from Ntropy — 4 operation(s) for entities.

Ntropy Labels API

The Labels API from Ntropy — 2 operation(s) for labels.

Ntropy Misc API

Miscellaneous endpoint.

Ntropy personalization API

The personalization API from Ntropy — 6 operation(s) for personalization.

Ntropy recurrence API

The recurrence API from Ntropy — 1 operation(s) for recurrence.

Ntropy Reporting API

The Reporting API from Ntropy — 2 operation(s) for reporting.

Ntropy reports API

The reports API from Ntropy — 2 operation(s) for reports.

Ntropy transactions API

The transactions API from Ntropy — 3 operation(s) for transactions.

Ntropy webhooks API

The webhooks API from Ntropy — 2 operation(s) for webhooks.

Scroll for all 16

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

ntropy-mcp.yml

MCP SERVER

Rate Limits 1

Documented rate limits and quota policies.

Ntropy Rate Limits

24 limits

RATE LIMITS

Event Specifications 1

AsyncAPI definitions for this provider's event-driven and streaming APIs.

Ntropy Webhooks

Event-driven notifications from the Ntropy API. Ntropy POSTs an event to the registered webhook url. If a token was set at creation it is sent in the X-Ntropy-Token header. Deli...

ASYNCAPI

Security Posture 2

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

Ntropy Authentication

apiKey · 1 scheme

SECURITY

Ntropy Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Ntropy Agentic Access

77 operations · 42 acting · 1 human-in-the-loop

77 operations · 42 acting

AGENTIC

Resources

Get Started 3

Portal, sign-up, and the first successful call

DeveloperPortal
DeveloperPortal
 GettingStarted
GettingStarted
 SignUp
SignUp

Documentation 3

Reference material describing how the API behaves

Documentation
Documentation
 APIReference
APIReference
 AsyncAPI
AsyncAPI

Agent Surfaces 5

MCP servers, agent skills, and machine-readable catalogs

MCPServer
MCPServer
 LLMsTxt
LLMsTxt
 WellKnown
WellKnown
 AgenticAccess
AgenticAccess
 AgentSkill
AgentSkill

Design & Contract 6

Pagination, idempotency, versioning, errors, and events

Conformance
Conformance
 ErrorCatalog
ErrorCatalog
 Lifecycle
Lifecycle
 Conventions
Conventions
 DataModel
DataModel
 Webhooks
Webhooks

Build 3

SDKs, sample code, and the tooling you integrate with

GitHubOrganization
GitHubOrganization
 Packages
Packages
 SDKs
SDKs

Access & Security 2

Authentication, authorization, and security posture

Authentication
Authentication
 DomainSecurity
DomainSecurity

Operate 3

Status, limits, changes, and where to get help

Support
Support
 ChangeLog
ChangeLog
 RateLimits
RateLimits

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService
TermsOfService
 PrivacyPolicy
PrivacyPolicy

Company 2

The organization behind the API

Website
Website
 Blog
Blog

Other 1

Properties that don't map to a standard resource type

APICatalog
APICatalog

Source (apis.yml)

apis.yml Raw ↑ 
aid: ntropy
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/ntropy.png
name: Ntropy
description: Ntropy provides a financial data standardization and enrichment API that turns raw bank transactions and bank-statement
  PDFs into structured, contextual data. Its products cover transaction enrichment (categorization, entity/merchant identification
  and recurring-payment detection), bank-statement OCR and extraction, account-holder ledgers, entity resolution, personalization
  rules, and event webhooks. The v3 REST API (base https://api.ntropy.com) uses API-key header auth, cursor pagination, and
  a credit-based rate model, and is used for underwriting, transaction approval, personal finance, customer retention and
  accounting. Ntropy is a fintech company backed by QED Investors; it ships an official Python SDK and a first-party MCP server.
url: https://raw.githubusercontent.com/api-evangelist/ntropy/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- qed-investors
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-20'
tags:
- Company
- Fintech
- Transaction Enrichment
- Financial Data
- Data Enrichment
- Bank Statements
- Categorization
- Underwriting
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
apis:
- aid: ntropy:ntropy-account-holder-api
  name: Ntropy Account Holder API
  description: Ledger operations
  humanURL: https://docs.ntropy.com/
  baseURL: https://api.ntropy.com
  tags:
  - Account Holder
  properties:
  - type: OpenAPI
    url: openapi/ntropy-account-holder-api-openapi.yml
  - type: Documentation
    url: https://docs.ntropy.com/
  - type: APIReference
    url: https://docs.ntropy.com/documentation/api
- aid: ntropy:ntropy-accountholders-api
  name: Ntropy accountHolders API
  description: The accountHolders API from Ntropy — 2 operation(s) for accountholders.
  humanURL: https://docs.ntropy.com/
  baseURL: https://api.ntropy.com
  tags:
  - accountHolders
  properties:
  - type: OpenAPI
    url: openapi/ntropy-accountholders-api-openapi.yml
  - type: Documentation
    url: https://docs.ntropy.com/
  - type: APIReference
    url: https://docs.ntropy.com/documentation/api
- aid: ntropy:ntropy-bank-statements-api
  name: Ntropy Bank statements API
  description: 'The bank statements API allows you to view and enrich transactions found in bank statements. Below is a table
    with

    the description of each of the statuses and steps that each bank statement goes through:

    |  Status  |                          Description                           |

    |----------|----------------------------------------------------------------|

    |QUEUED    |The document is queued for processing                           |

    |PROCESSING|OCR is in progress                                              |

    |PROCESSED |The document was successfully processed                         |

    |FAILED    |An error occurred during processing of any of the previous steps|




    A list of error codes for the `FAILED` status can be found below:

    |Code|                  Description                   |

    |---:|------------------------------------------------|

    | 301|Failed to parse document as bank statement.     |

    | 301|Failed to enrich transactions in bank statement.|

    | 500|Unexpected error. Please contact support.       |'
  humanURL: https://docs.ntropy.com/
  baseURL: https://api.ntropy.com
  tags:
  - Bank statements
  properties:
  - type: OpenAPI
    url: openapi/ntropy-bank-statements-api-openapi.yml
  - type: Documentation
    url: https://docs.ntropy.com/
  - type: APIReference
    url: https://docs.ntropy.com/documentation/api
- aid: ntropy:ntropy-bankstatements-api
  name: Ntropy bankStatements API
  description: The bankStatements API from Ntropy — 4 operation(s) for bankstatements.
  humanURL: https://docs.ntropy.com/
  baseURL: https://api.ntropy.com
  tags:
  - bankStatements
  properties:
  - type: OpenAPI
    url: openapi/ntropy-bankstatements-api-openapi.yml
  - type: Documentation
    url: https://docs.ntropy.com/
  - type: APIReference
    url: https://docs.ntropy.com/documentation/api
- aid: ntropy:ntropy-batches-api
  name: Ntropy batches API
  description: The batches API from Ntropy — 3 operation(s) for batches.
  humanURL: https://docs.ntropy.com/
  baseURL: https://api.ntropy.com
  tags:
  - batches
  properties:
  - type: OpenAPI
    url: openapi/ntropy-batches-api-openapi.yml
  - type: Documentation
    url: https://docs.ntropy.com/
  - type: APIReference
    url: https://docs.ntropy.com/documentation/api
- aid: ntropy:ntropy-categories-api
  name: Ntropy categories API
  description: The categories API from Ntropy — 2 operation(s) for categories.
  humanURL: https://docs.ntropy.com/
  baseURL: https://api.ntropy.com
  tags:
  - categories
  properties:
  - type: OpenAPI
    url: openapi/ntropy-categories-api-openapi.yml
  - type: Documentation
    url: https://docs.ntropy.com/
  - type: APIReference
    url: https://docs.ntropy.com/documentation/api
- aid: ntropy:ntropy-enrichment-api
  name: Ntropy Enrichment API
  description: Transaction enrichment.
  humanURL: https://docs.ntropy.com/
  baseURL: https://api.ntropy.com
  tags:
  - Enrichment
  properties:
  - type: OpenAPI
    url: openapi/ntropy-enrichment-api-openapi.yml
  - type: Documentation
    url: https://docs.ntropy.com/
  - type: APIReference
    url: https://docs.ntropy.com/documentation/api
- aid: ntropy:ntropy-entities-api
  name: Ntropy entities API
  description: The entities API from Ntropy — 4 operation(s) for entities.
  humanURL: https://docs.ntropy.com/
  baseURL: https://api.ntropy.com
  tags:
  - entities
  properties:
  - type: OpenAPI
    url: openapi/ntropy-entities-api-openapi.yml
  - type: Documentation
    url: https://docs.ntropy.com/
  - type: APIReference
    url: https://docs.ntropy.com/documentation/api
- aid: ntropy:ntropy-labels-api
  name: Ntropy Labels API
  description: The Labels API from Ntropy — 2 operation(s) for labels.
  humanURL: https://docs.ntropy.com/
  baseURL: https://api.ntropy.com
  tags:
  - Labels
  properties:
  - type: OpenAPI
    url: openapi/ntropy-labels-api-openapi.yml
  - type: Documentation
    url: https://docs.ntropy.com/
  - type: APIReference
    url: https://docs.ntropy.com/documentation/api
- aid: ntropy:ntropy-misc-api
  name: Ntropy Misc API
  description: Miscellaneous endpoint.
  humanURL: https://docs.ntropy.com/
  baseURL: https://api.ntropy.com
  tags:
  - Misc
  properties:
  - type: OpenAPI
    url: openapi/ntropy-misc-api-openapi.yml
  - type: Documentation
    url: https://docs.ntropy.com/
  - type: APIReference
    url: https://docs.ntropy.com/documentation/api
- aid: ntropy:ntropy-personalization-api
  name: Ntropy personalization API
  description: The personalization API from Ntropy — 6 operation(s) for personalization.
  humanURL: https://docs.ntropy.com/
  baseURL: https://api.ntropy.com
  tags:
  - personalization
  properties:
  - type: OpenAPI
    url: openapi/ntropy-personalization-api-openapi.yml
  - type: Documentation
    url: https://docs.ntropy.com/
  - type: APIReference
    url: https://docs.ntropy.com/documentation/api
- aid: ntropy:ntropy-recurrence-api
  name: Ntropy recurrence API
  description: The recurrence API from Ntropy — 1 operation(s) for recurrence.
  humanURL: https://docs.ntropy.com/
  baseURL: https://api.ntropy.com
  tags:
  - recurrence
  properties:
  - type: OpenAPI
    url: openapi/ntropy-recurrence-api-openapi.yml
  - type: Documentation
    url: https://docs.ntropy.com/
  - type: APIReference
    url: https://docs.ntropy.com/documentation/api
- aid: ntropy:ntropy-reporting-api
  name: Ntropy Reporting API
  description: The Reporting API from Ntropy — 2 operation(s) for reporting.
  humanURL: https://docs.ntropy.com/
  baseURL: https://api.ntropy.com
  tags:
  - Reporting
  properties:
  - type: OpenAPI
    url: openapi/ntropy-reporting-api-openapi.yml
  - type: Documentation
    url: https://docs.ntropy.com/
  - type: APIReference
    url: https://docs.ntropy.com/documentation/api
- aid: ntropy:ntropy-reports-api
  name: Ntropy reports API
  description: The reports API from Ntropy — 2 operation(s) for reports.
  humanURL: https://docs.ntropy.com/
  baseURL: https://api.ntropy.com
  tags:
  - reports
  properties:
  - type: OpenAPI
    url: openapi/ntropy-reports-api-openapi.yml
  - type: Documentation
    url: https://docs.ntropy.com/
  - type: APIReference
    url: https://docs.ntropy.com/documentation/api
- aid: ntropy:ntropy-transactions-api
  name: Ntropy transactions API
  description: The transactions API from Ntropy — 3 operation(s) for transactions.
  humanURL: https://docs.ntropy.com/
  baseURL: https://api.ntropy.com
  tags:
  - transactions
  properties:
  - type: OpenAPI
    url: openapi/ntropy-transactions-api-openapi.yml
  - type: Documentation
    url: https://docs.ntropy.com/
  - type: APIReference
    url: https://docs.ntropy.com/documentation/api
- aid: ntropy:ntropy-webhooks-api
  name: Ntropy webhooks API
  description: The webhooks API from Ntropy — 2 operation(s) for webhooks.
  humanURL: https://docs.ntropy.com/
  baseURL: https://api.ntropy.com
  tags:
  - webhooks
  properties:
  - type: OpenAPI
    url: openapi/ntropy-webhooks-api-openapi.yml
  - type: Documentation
    url: https://docs.ntropy.com/
  - type: APIReference
    url: https://docs.ntropy.com/documentation/api
common:
- type: Website
  url: https://ntropy.com/
- type: DeveloperPortal
  url: https://docs.ntropy.com/
- type: Documentation
  url: https://docs.ntropy.com/
- type: APIReference
  url: https://docs.ntropy.com/documentation/api
- type: GettingStarted
  url: https://docs.ntropy.com/onboarding
- type: Support
  url: https://docs.ntropy.com/support
- type: Blog
  url: https://ntropy.com/blog
- type: GitHubOrganization
  url: https://github.com/ntropy-network
- type: SignUp
  url: https://dashboard.ntropy.com/
- type: TermsOfService
  url: https://ntropy.com/terms
- type: PrivacyPolicy
  url: https://ntropy.com/privacy
- type: Packages
  url: packages/ntropy-packages.yml
- type: SDKs
  url: packages/ntropy-packages.yml
- type: MCPServer
  url: mcp/ntropy-mcp.yml
- type: LLMsTxt
  url: llms/ntropy-llms.txt
- type: WellKnown
  url: well-known/ntropy-well-known.yml
- type: APICatalog
  url: well-known/ntropy-api-catalog.json
- type: Authentication
  url: authentication/ntropy-authentication.yml
- type: AgenticAccess
  url: agentic-access/ntropy-agentic-access.yml
- type: DomainSecurity
  url: security/ntropy-domain-security.yml
- type: Conformance
  url: conformance/ntropy-conformance.yml
- type: ErrorCatalog
  url: errors/ntropy-problem-types.yml
- type: Lifecycle
  url: lifecycle/ntropy-lifecycle.yml
- type: Conventions
  url: conventions/ntropy-conventions.yml
- type: ChangeLog
  url: changelog/ntropy-changelog.yml
- type: DataModel
  url: data-model/ntropy-data-model.yml
- type: RateLimits
  url: rate-limits/ntropy-rate-limits.yml
- type: AsyncAPI
  url: asyncapi/ntropy-webhooks-asyncapi.yml
- type: Webhooks
  url: asyncapi/ntropy-webhooks-asyncapi.yml
- type: AgentSkill
  url: skills/_index.yml
x-enrichment:
  date: '2026-07-20'
  status: enriched
  artifacts_added: 24
  pass: local-v1