Nu (Nubank)

Nu Holdings (Nubank) is Latin America's largest digital bank, with tens of millions of customers across Brazil, Mexico, and Colombia. Its core product surface - credit card, account, lending, investments, and insurance - is consumer-facing through the Nu mobile app, and Nubank does not publish a general-purpose public developer portal. Nubank participates in Brazil's Open Finance (Open Banking Brasil) regime, which standardises consent-driven access to account, transaction, and payment-initiation APIs for authorised third parties; Nubank's Open Finance endpoints are registered with the Brazilian Central Bank's directory. For merchant acceptance, Nubank operates NuPay for Business, a REST API for checkout payments, refunds, OAuth2/CIBA-based authorization, beneficiary management, and webhook event notifications, hosted at api.spinpay.com.br.

Nu (Nubank) is listed with 5 APIs on the APIs.io network. Tagged areas include Neobank, Banking, Credit Cards, Open Finance, and Payments.

Nu (Nubank)’s developer surface includes GitHub presence and 12 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

10.7/100 minimal ▬ flat Agent 1/100 human only Front door AI 1/6 silent Heartbeat 92/100 alive Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

AccessFree

5 APIs

Neobank Banking Credit Cards Open Finance Payments Brazil Mexico Colombia Latin America Consumer Banking

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 10.7/100 · minimal

Contract Quality 0.0 / 21

Developer Ergonomics 1.6 / 17

Access Clarity 0.9 / 17

Operational Transparency 2.3 / 11

Contract Governance 0.0 / 10

Discoverability 5.6 / 9

Regulatory Posture 1.4 / 15

Agent readiness — 1/100 · 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 7 / 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

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

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.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

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/.

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Agent readiness — checks not met, largest first (exact, from this profile):

Machine-Readable Contract +18 pts — api_specs includes an OpenAPI document
MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
Machine-Readable Auth +10 pts — a served openid-configuration/oauth-authorization-server carrying `issuer` (served), else the securitySchemes class in the provider OpenAPIs — bound (mutualTLS, DPoP, Signature) > negotiable (oauth2 authorizationCode/clientCredentials, openIdConnect) > bearer (http bearer, apiKey)
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes

12 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Contract Quality scores 0.0 — up to +25.0 composite points
Access Clarity scores 5.3 — up to +18.9 composite points
Developer Ergonomics scores 9.5 — up to +18.1 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

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 the provider profile at artifacts.apis.io/nubank/apis.yml: open an issue on github.com/api-evangelist/nubank to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
Latin American Open Finance (Brazil OFB + Pix)	regulated	64.3	-	-
Consumer Lending Licensing (UK, US, Canada credit licence registers)	regulated	64.3	-	-
Brazil BCB Authorized Institutions (Banco Central do Brasil register beyond Pix)	regulated	64.3	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

APIs 5

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

Nubank Open Finance Brasil API

Open Finance Brasil endpoints registered by Nubank in the Central Bank directory. Provides consent-driven access to account, credit-card, loan, and payment-initiation data for a...

NuPay for Business - Checkout API

REST API for creating and managing NuPay checkout orders, querying payment status, cancelling unpaid orders, and processing refunds for completed transactions. Built for Brazili...

NuPay for Business - Authentication API

OAuth2 app-based authorization, CIBA (Client-Initiated Backchannel Authentication) for web flows, OTP validation, and token issuance / refresh for NuPay merchant integrations.

NuPay for Business - Beneficiary Management API

Register, query, and version final beneficiaries on NuPay orders with document validation across CPF, CNPJ, and international identifier types.

NuPay for Business - Event Webhooks

Signed webhook callbacks delivering payment-status and refund-status updates to merchant-configured endpoints. Includes signature validation headers so merchants can verify NuPa...

Nu (Nubank) API pricing

Not yet checked against Nu (Nubank)'s own pricing page. Compiled by API Evangelist on 2026-05-22; confirm before you rely on a figure. A free plan or tier is listed.

Plan	Price
Free freemium	Free

Plan details, limits and sources →

Rate limits

Free Tier Default: 10 requests per minute
Pro Tier Default: 120 requests per minute

Compiled by API Evangelist, not yet checked against Nu (Nubank)'s documentation. Rate-limit details →

Pricing Plans 1

Published pricing tiers and plan structures.

Nubank Plans Pricing

1 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Nubank Rate Limits

2 limits

RATE LIMITS

FinOps 1

Cost, billing, and metering signals for API financial operations.

Nubank Finops

FINOPS

Security Posture 2

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

Nubank Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Nubank Vulnerability Disclosure

security.txt · contact published

SECURITY

Resources

Documentation 1

Reference material describing how the API behaves

NuPay Documentation

NuPay Documentation

Build 1

SDKs, sample code, and the tooling you integrate with

GitHub

GitHub

Access & Security 2

Authentication, authorization, and security posture

VulnerabilityDisclosure

VulnerabilityDisclosure

DomainSecurity

DomainSecurity

Operate 1

Status, limits, changes, and where to get help

RateLimits

RateLimits

Commercial 2

Pricing, plans, and the legal terms of use

Plans

Plans

FinOps

FinOps

Company 5

The organization behind the API

BlogRSS

BlogRSS

Website

Website

Investor Relations

Investor Relations

Engineering Blog

Engineering Blog

LinkedIn

Other 1

Properties that don't map to a standard resource type

Open Finance Directory

Open Finance Directory

Source (apis.yml)

aid: nubank
name: Nu (Nubank)
description: Nu Holdings (Nubank) is Latin America's largest digital bank, with tens of millions of customers across Brazil,
  Mexico, and Colombia. Its core product surface - credit card, account, lending, investments, and insurance - is consumer-facing
  through the Nu mobile app, and Nubank does not publish a general-purpose public developer portal. Nubank participates in
  Brazil's Open Finance (Open Banking Brasil) regime, which standardises consent-driven access to account, transaction, and
  payment-initiation APIs for authorised third parties; Nubank's Open Finance endpoints are registered with the Brazilian
  Central Bank's directory. For merchant acceptance, Nubank operates NuPay for Business, a REST API for checkout payments,
  refunds, OAuth2/CIBA-based authorization, beneficiary management, and webhook event notifications, hosted at api.spinpay.com.br.
type: Index
deliveryModel:
  model: unknown
  open_source: false
  commercial: false
  callable_host: false
  label: Delivery model not determined — needs a product licence on record
  confidence: low
  source:
  - none
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: free
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Free
  confidence: low
  source:
  - plans
  - security
  generated: '2026-11-06'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/nubank.png
access: 3rd-Party
position: Producing
created: '2026-05-23'
modified: '2026-10-06'
tags:
- Neobank
- Banking
- Credit Cards
- Open Finance
- Payments
- Brazil
- Mexico
- Colombia
- Latin America
- Consumer Banking
url: https://raw.githubusercontent.com/api-evangelist/nubank/refs/heads/main/apis.yml
specificationVersion: '0.23'
apis:
- aid: nubank:open-finance
  name: Nubank Open Finance Brasil API
  description: Open Finance Brasil endpoints registered by Nubank in the Central Bank directory. Provides consent-driven access
    to account, credit-card, loan, and payment-initiation data for authorised TPPs under the Brazilian Open Finance regulatory
    framework.
  humanURL: https://openfinance.dev.br/provider/Nubank
  baseURL: https://openbanking.nubank.com.br
  tags:
  - Open Finance
  - Open Banking
  - Consent
  - Brazil
  properties:
  - type: Documentation
    url: https://openfinance.dev.br/provider/Nubank
- aid: nubank:nupay-checkout
  name: NuPay for Business - Checkout API
  description: REST API for creating and managing NuPay checkout orders, querying payment status, cancelling unpaid orders,
    and processing refunds for completed transactions. Built for Brazilian merchants accepting NuPay as a payment method.
  humanURL: https://docs.nupaybusiness.com.br/
  baseURL: https://api.spinpay.com.br
  tags:
  - Checkout
  - Payments
  - Refunds
  properties:
  - type: Documentation
    url: https://docs.nupaybusiness.com.br/checkout/docs/openapi/index.html
- aid: nubank:nupay-auth
  name: NuPay for Business - Authentication API
  description: OAuth2 app-based authorization, CIBA (Client-Initiated Backchannel Authentication) for web flows, OTP validation,
    and token issuance / refresh for NuPay merchant integrations.
  humanURL: https://docs.nupaybusiness.com.br/
  baseURL: https://authentication.spinpay.com.br
  tags:
  - OAuth
  - CIBA
  - Authentication
  tags_raw:
  - OAuth2
  - CIBA
  - Authentication
  properties:
  - type: Documentation
    url: https://docs.nupaybusiness.com.br/
- aid: nubank:nupay-beneficiaries
  name: NuPay for Business - Beneficiary Management API
  description: Register, query, and version final beneficiaries on NuPay orders with document validation across CPF, CNPJ,
    and international identifier types.
  humanURL: https://docs.nupaybusiness.com.br/
  baseURL: https://api.spinpay.com.br
  tags:
  - Beneficiaries
  - Compliance
  properties:
  - type: Documentation
    url: https://docs.nupaybusiness.com.br/
- aid: nubank:nupay-webhook
  name: NuPay for Business - Event Webhooks
  description: Signed webhook callbacks delivering payment-status and refund-status updates to merchant-configured endpoints.
    Includes signature validation headers so merchants can verify NuPay as the sender.
  humanURL: https://docs.nupaybusiness.com.br/
  baseURL: customer-configured
  tags:
  - Webhook
  - Event
  - Callbacks
  tags_raw:
  - Webhooks
  - Events
  - Callbacks
  properties:
  - type: Documentation
    url: https://docs.nupaybusiness.com.br/
common:
- type: Plans
  url: plans/nubank-plans-pricing.yml
- type: RateLimits
  url: rate-limits/nubank-rate-limits.yml
- type: FinOps
  url: finops/nubank-finops.yml
- url: https://blog.nubank.com.br/rss.xml
  type: BlogRSS
- type: VulnerabilityDisclosure
  url: security/nubank-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/nubank-domain-security.yml
- type: Website
  url: https://nubank.com.br/
- type: Investor Relations
  url: https://investors.nu/
- type: Engineering Blog
  url: https://building.nubank.com/
- type: GitHub
  url: https://github.com/nubank
- type: LinkedIn
  url: https://www.linkedin.com/company/nubank
- type: Open Finance Directory
  url: https://openfinance.dev.br/provider/Nubank
- type: NuPay Documentation
  url: https://docs.nupaybusiness.com.br/
maintainers:
- FN: API Evangelist
  url: https://apievangelist.com

Nu (Nubank) API — frequently asked questions

Does Nu (Nubank) have an API?

Yes. APIs.io lists 5 APIs from Nu (Nubank), including Nubank Open Finance Brasil API, NuPay for Business - Checkout API and NuPay for Business - Authentication API, and 2 more.

How much does the Nu (Nubank) API cost?

APIs.io lists 1 pricing plan for Nu (Nubank), with each plan's price, limits and inclusions under Pricing on this page.

Is the Nu (Nubank) API ready for AI agents?

Nu (Nubank) has a Kin Score of 10.7 out of 100 (minimal) and an Agent Readiness score of 0.6 (human-only), scored by API Evangelist on 2026-11-06.

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