# Nu (Nubank)

**Canonical:** https://apis.io/providers/nubank/  
**Website:** https://nubank.com.br/  
**APIs profiled:** 5

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.

## Kin Score — 13.7 / 100 (emerging)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 13.7).

| Facet | Score |
|---|---|
| Discoverability | 68.5 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 26.3 |
| Developer Ergonomics | 0.0 |
| Commercial Clarity | 28.9 |
| Access Clarity | 28.9 |

Regulatory layer — **Banking & Open Finance**: 15.2 (matched via tags).

## Agent readiness — 3.0 (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 | documented |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Free — onboarding: unknown, pricing: free, trial: no (confidence: medium).

## APIs (5)

- **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...

## Security (2)

- **Nubank Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC
- **Nubank Vulnerability Disclosure** — security.txt · contact published

## Plans (1)

- **Nubank Plans Pricing**

## Tags

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

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