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 32 more developer resources.

🌐 Visit website 📡 Source on GitHub

59.8/100 strong ▬ flat Agent 34/100 agent ready Full breakdown ↓
scored 2026-09-06 · rubric v0.19.0

AccessSelf serveFree trial

2 APIs 1 MCP Servers

Company Fintech Transaction Enrichment Financial Data Data Enrichment Bank Statements Categorization Underwriting

Kin Score

Kin Score How this is scored →
scored 2026-09-06 · rubric v0.19.0

Composite quality — 59.8/100 · strong

Contract Quality 13.7 / 21

Developer Ergonomics 12.0 / 17

Access Clarity 7.2 / 17

Operational Transparency 7.3 / 11

Contract Governance 1.9 / 10

Discoverability 6.5 / 9

Regulatory Posture 6.8 / 15

Agent readiness — 34/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 0 / 6

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

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Regulatory Posture applies to this provider. Its tags matched the Insurance 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/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. 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. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 16

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

Open Collections 17

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

MCP Servers 1

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

Rate Limits 1

Documented rate limits and quota policies.

AGENTIC

Resources

Get Started 4

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

GettingStarted

GettingStarted

SignUp

SignUp

Login

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

LLMsTxt

WellKnown

AgenticAccess

AgentSkill

Design & Contract 6

Pagination, idempotency, versioning, errors, and events

Conformance

ErrorCatalog

Lifecycle

Conventions

DataModel

Webhooks

Build 6

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

Postman

SourceCode

Packages

SDKs

ToolCrosswalk

Access & Security 4

Authentication, authorization, and security posture

Compliance

Authentication

DomainSecurity

TrustCenter

Operate 4

Status, limits, changes, and where to get help

Support

StatusPage

ChangeLog

RateLimits

Commercial 4

Pricing, plans, and the legal terms of use

License

TermsOfService

PrivacyPolicy

Plans

Company 2

The organization behind the API

Website

Website

Blog

Blog

Other 1

Properties that don't map to a standard resource type

Overlay

Overlay

Source (apis.yml)

aid: ntropy
deliveryModel:
  model: unknown
  open_source: unknown
  commercial: true
  callable_host: true
  label: Delivery model not determined — needs a product licence on record
  confidence: low
  source:
  - openapi
  - pricing
  - repository-unlicensed
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: gated
  onboarding: self-serve
  trial: true
  trial_detail: 10,000 free credits granted automatically on dashboard signup
  try_now: false
  public: false
  label: Self-serve signup with free trial credits; pricing behind the dashboard
  confidence: high
  source:
  - https://docs.ntropy.com/onboarding
  - https://docs.ntropy.com/introduction
  - plans/ntropy-plans-pricing.yml
  generated: '2026-08-14'
  method: searched
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: '0.23'
created: '2026-07-17'
modified: '2026-08-14'
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:
  - Account Holders
  tags_raw:
  - 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
  tags_raw:
  - 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:
  - Bank Statements
  tags_raw:
  - 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
  tags_raw:
  - 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
  tags_raw:
  - 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
  tags_raw:
  - 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: []
  tags_raw:
  - 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
  tags_raw:
  - 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
  tags_raw:
  - 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
  tags_raw:
  - 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:
  - Transaction
  tags_raw:
  - 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:
  - Webhook
  tags_raw:
  - 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: License
  name: MIT
  url: https://github.com/ntropy-network/ntropy-sdk/blob/main/LICENSE
- type: Overlay
  url: overlays/ntropy-api-v3-overlay.yaml
- 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: Login
  url: https://dashboard.ntropy.com/
- type: TermsOfService
  url: https://ntropy.com/terms
- type: PrivacyPolicy
  url: https://ntropy.com/privacy
- type: StatusPage
  url: https://status.ntropy.com/
- type: Postman
  url: https://documenter.getpostman.com/view/17988251/UVsQriab
- type: Compliance
  url: https://trust.ntropy.com/
- type: SourceCode
  url: https://github.com/ntropy-network/ntropy-sdk
- type: Packages
  url: packages/ntropy-packages.yml
- type: SDKs
  url: packages/ntropy-packages.yml
- type: MCPServer
  url: mcp/ntropy-mcp.yml
- type: ToolCrosswalk
  url: mcp/ntropy-tool-crosswalk.yml
- type: LLMsTxt
  url: llms/ntropy-llms.txt
- type: WellKnown
  url: well-known/ntropy-well-known.yml
- 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: TrustCenter
  url: security/ntropy-trust-center.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: Plans
  url: plans/ntropy-plans-pricing.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: '2026-08-14'
  status: enriched
  artifacts_added: 4
  pass: local-v1

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