Open (open.money)

Open is one of India's leading SMB neobanks, pioneering "connected banking" - a unified business finance platform that layers payments, automated reconciliation, accounting, payroll, expense management, vendor payouts, and GST-compliant invoicing on top of partner-bank current accounts (ICICI, SBI, Axis Bank, Yes Bank and 20+ others). Beyond its SMB application, Open also ships an embedded-finance / Banking-as-a-Service stack branded as Zwitch (zwitch.io), which exposes the same connected-banking primitives - virtual accounts, payouts via NEFT/IMPS/RTGS, UPI collect and intent flows, the Layer hosted payment gateway, beneficiary management, PAN/bank/VPA verification, webhooks, and split settlements - as REST APIs for fintechs and platforms that want to embed account-to-account payments and Indian payment rails into their own products. Open's broader portfolio also includes BankingStack (white-label connected banking for partner banks), the Open Capital lending product, and a suite of e-commerce plugins (WooCommerce, Magento, OpenCart, PrestaShop, CS-Cart, WHMCS) plus PHP, Java, Node.js, iOS, and Android SDKs for the Layer payment gateway.

Open (open.money) publishes 20 API contracts indexed on the APIs.io network, including Accounts API, Constants API, Events API, and 17 more. Tagged areas include Connected Banking, Neobank, Small Business, Embedded Finance, and Banking as a Service.

The Open (open.money) catalog on APIs.io includes 1 Spectral governance ruleset.

Open (open.money)’s developer surface includes support, authentication, documentation, getting-started guide, developer console, signup flow, GitHub presence, and 22 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

42.3/100 developing ▲ 16.8 Agent 44/100 agent ready saas Full breakdown ↓
scored 2026-10-17 · rubric v0.24.0

12 published contracts

Connected BankingNeobank Small Business Embedded Finance Banking as a Service Payments Payouts UPI Accounting Payroll Expense Management India Fintech

Kin Score

Kin Score How this is scored →
scored 2026-10-17 · rubric v0.24.0

Composite quality — 42.3/100 · developing

Contract Quality 9.5 / 19

Developer Ergonomics 8.2 / 15

Access Clarity 6.7 / 15

Operational Transparency 0.5 / 10

Contract Governance 1.6 / 9

Discoverability 5.8 / 8

Regulatory Posture 3.0 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 44/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 6 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 7 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 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 6 / 6

Protected Resource Metadata 5 / 5

Registration Without a Human 6 / 6

Agentic Commerce Well-Known Document 0 / 5

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 applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% 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/open-financial: 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 →

Standards implemented 1

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

RESO UPI

tagged — the provider's own APIs.json carries the standard as a tag; implementation not verified

APIs 20

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

Open Zwitch Virtual Accounts API

Programmatic creation and management of virtual accounts used as transfer wallets, collection wallets, and collection tools on top of partner-bank infrastructure. Virtual accoun...

Open Zwitch Transfers API

Initiate single or bulk fund transfers from a virtual account to bank beneficiaries over NEFT, IMPS, or RTGS, and inspect transfer status, UTR, and settlement details. Powers ve...

Open Zwitch Beneficiaries API

Manage the set of bank-account beneficiaries that can be paid from a virtual account. Supports creating beneficiaries, listing, retrieving, updating, and deleting, with optional...

Open Zwitch UPI API

UPI collect requests, UPI Intent strings, and dynamic UPI QR codes for accepting customer-initiated payments on India's Unified Payments Interface rails. Includes mandate flows ...

Open Layer Payment Gateway API

Layer is Zwitch's hosted payment gateway. A few lines of layer.js render a fully PCI-compliant checkout pop-up that accepts net banking, UPI, credit/debit cards, and wallets. Se...

Open Zwitch Verification API

Identity and account-validation suite used during merchant onboarding, KYB, and pre-payout checks. Endpoints cover PAN verification, name matching, bank-account validation (stan...

Open Zwitch Split Settlements API

Configure split-settlement rules so that incoming payments are automatically apportioned across multiple beneficiary accounts at settlement time. Used by marketplaces, aggregato...

Open Zwitch Webhooks

Real-time event delivery for payment, transfer, refund, settlement, virtual-account, and verification lifecycle events, with HMAC signature verification and configurable retry p...

Open Zwitch Payment Pages API

No-code hosted payment pages and payment links that small businesses can share over email, SMS, or WhatsApp to collect one-time or recurring payments without writing integration...

Open Connected Banking Platform

Open's flagship SMB neobanking application. Connects one or more partner-bank current accounts (ICICI, SBI, Axis Bank, Yes Bank, and others) and layers on bill and invoice manag...

Open (open.money) Accounts API

The Accounts API from Open (open.money) — 8 operation(s) for accounts.

Open (open.money) Constants API

The Constants API from Open (open.money) — 4 operation(s) for constants.

Open (open.money) Events API

The Events API from Open (open.money) — 1 operation(s) for events.

Open (open.money) Icp API

The Icp API from Open (open.money) — 1 operation(s) for icp.

Open (open.money) Kycs API

The Kycs API from Open (open.money) — 4 operation(s) for kycs.

Open (open.money) Pg API

The Pg API from Open (open.money) — 2 operation(s) for pg.

Open (open.money) Pg Settlements API

The Pg Settlements API from Open (open.money) — 2 operation(s) for pg settlements.

Open (open.money) Refund API

The Refund API from Open (open.money) — 2 operation(s) for refund.

Open (open.money) Transfers API

The Transfers API from Open (open.money) — 4 operation(s) for transfers.

Open (open.money) Verifications API

The Verifications API from Open (open.money) — 1 operation(s) for verifications.

Scroll for all 20

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Open (open.money) API Rules

14 rules · 9 errors 3 warnings 2 info

SPECTRAL

Security Posture 2

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

Open Financial Authentication

apiKey · 1 scheme

SECURITY

Open Financial Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Agentic Access 1

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

Open Financial Agentic Access

39 operations · 21 acting

AGENTIC

Resources

Get Started 4

Portal, sign-up, and the first successful call

Login

GettingStarted

GettingStarted

Console

Console

Signup

Signup

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

Documentation

Documentation

Agent Surfaces 3

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgenticAccess

LLMsTxt

LLMsTxt

WellKnown

WellKnown

Design & Contract 3

Pagination, idempotency, versioning, errors, and events

Spectral

Spectral

ErrorCatalog

ErrorCatalog

Conformance

Conformance

Build 1

SDKs, sample code, and the tooling you integrate with

GitHub

GitHub

Access & Security 3

Authentication, authorization, and security posture

Authentication

Authentication

DomainSecurity

DomainSecurity

Authentication

Authentication

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 4

Pricing, plans, and the legal terms of use

Pricing

Pricing

TermsOfService

PrivacyPolicy

Company 5

The organization behind the API

Newsroom

Website

Website

Blog

Blog

Other 3

Properties that don't map to a standard resource type

Hosts

Hosts

Vendors

Vendors

Leadership

Leadership

Source (apis.yml)

aid: open-financial
name: Open (open.money)
description: Open is one of India's leading SMB neobanks, pioneering "connected banking" - a unified business finance platform
  that layers payments, automated reconciliation, accounting, payroll, expense management, vendor payouts, and GST-compliant
  invoicing on top of partner-bank current accounts (ICICI, SBI, Axis Bank, Yes Bank and 20+ others). Beyond its SMB application,
  Open also ships an embedded-finance / Banking-as-a-Service stack branded as Zwitch (zwitch.io), which exposes the same connected-banking
  primitives - virtual accounts, payouts via NEFT/IMPS/RTGS, UPI collect and intent flows, the Layer hosted payment gateway,
  beneficiary management, PAN/bank/VPA verification, webhooks, and split settlements - as REST APIs for fintechs and platforms
  that want to embed account-to-account payments and Indian payment rails into their own products. Open's broader portfolio
  also includes BankingStack (white-label connected banking for partner banks), the Open Capital lending product, and a suite
  of e-commerce plugins (WooCommerce, Magento, OpenCart, PrestaShop, CS-Cart, WHMCS) plus PHP, Java, Node.js, iOS, and Android
  SDKs for the Layer payment gateway.
type: Index
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source: []
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/open-financial.png
access: 3rd-Party
position: Producing
created: '2026-05-24'
modified: '2026-05-24'
x-docs-platform: readme
x-docs-platform-confidence: high
x-docs-platform-checked: 2026-10-04
tags:
- Connected Banking
- Neobank
- Small Business
- Embedded Finance
- Banking as a Service
- Payments
- Payouts
- UPI
- Accounting
- Payroll
- Expense Management
- India
- Fintech
tags_raw:
- Connected Banking
- Neobank
- SMB
- Embedded Finance
- Banking as a Service
- Payments
- Payouts
- UPI
- Accounting
- Payroll
- Expense Management
- India
- Fintech
url: https://raw.githubusercontent.com/api-evangelist/open-financial/refs/heads/main/apis.yml
specificationVersion: '0.23'
maintainers:
- FN: API Evangelist
  url: https://apievangelist.com
common:
- type: AgenticAccess
  url: agentic-access/open-financial-agentic-access.yml
- type: Spectral
  url: rules/open-financial-rules.yml
- type: ErrorCatalog
  url: errors/open-financial-problem-types.yml
- type: Conformance
  url: conformance/open-financial-conformance.yml
- type: LLMsTxt
  url: llms/open-financial-llms.txt
- type: WellKnown
  url: well-known/open-financial-well-known.yml
- type: Hosts
  url: hosts/open-financial-hosts.yml
- type: Vendors
  url: vendors/open-financial-vendors.yml
- type: Support
  url: https://help.open.money/support/home
- type: Newsroom
  url: https://open.money/company/press
- type: Login
  url: https://app.open.money/login
- type: Leadership
  url: https://open.money/company/leadership
- type: Authentication
  url: authentication/open-financial-authentication.yml
- type: DomainSecurity
  url: security/open-financial-domain-security.yml
- type: Website
  url: https://open.money/
- type: Website
  url: https://www.zwitch.io/
- type: Documentation
  url: https://developers.zwitch.io/
- type: Documentation
  url: https://docs.bankopen.com/
- type: GettingStarted
  url: https://developers.zwitch.io/reference/introduction
- type: Authentication
  url: https://developers.zwitch.io/reference/authorization
- type: Console
  url: https://app.zwitch.io/
- type: Signup
  url: https://app.zwitch.io/
- type: GitHub
  url: https://github.com/bankopen
- type: Blog
  url: https://open.money/blog
- type: Blog
  url: https://www.zwitch.io/blog
- type: Pricing
  url: https://open.money/pricing
- type: Pricing
  url: https://www.zwitch.io/pricing
- type: TermsOfService
  url: https://open.money/terms
- type: PrivacyPolicy
  url: https://open.money/privacy
apis:
- aid: open-financial:virtual-accounts
  name: Open Zwitch Virtual Accounts API
  description: Programmatic creation and management of virtual accounts used as transfer wallets, collection wallets, and
    collection tools on top of partner-bank infrastructure. Virtual accounts give platforms a unique IFSC-and-account-number
    pair for each end customer so that inbound transfers (NEFT, IMPS, RTGS, UPI) auto-reconcile to the correct beneficiary,
    and outbound payouts can be debited from a controlled sub-ledger.
  humanURL: https://developers.zwitch.io/reference/virtual-accounts
  baseURL: https://api.zwitch.io/v1
  tags:
  - Virtual Accounts
  - Subaccounts
  - Reconciliation
  tags_raw:
  - Virtual Accounts
  - Sub-Accounts
  - Reconciliation
  properties:
  - type: Documentation
    url: https://developers.zwitch.io/reference/virtual-accounts
  - type: Authentication
    url: https://developers.zwitch.io/reference/authorization
- aid: open-financial:transfers
  name: Open Zwitch Transfers API
  description: Initiate single or bulk fund transfers from a virtual account to bank beneficiaries over NEFT, IMPS, or RTGS,
    and inspect transfer status, UTR, and settlement details. Powers vendor payouts, refunds, reimbursements, payroll, and
    split disbursements.
  humanURL: https://developers.zwitch.io/reference/transfers
  baseURL: https://api.zwitch.io/v1
  tags:
  - Payouts
  - Transfers
  - NEFT
  - IMPS
  - RTGS
  properties:
  - type: Documentation
    url: https://developers.zwitch.io/reference/transfers
  - type: Documentation
    url: https://developers.zwitch.io/docs/bulk-transfers
- aid: open-financial:beneficiaries
  name: Open Zwitch Beneficiaries API
  description: Manage the set of bank-account beneficiaries that can be paid from a virtual account. Supports creating beneficiaries,
    listing, retrieving, updating, and deleting, with optional penny-drop validation before the beneficiary becomes eligible
    for payouts.
  humanURL: https://developers.zwitch.io/reference/beneficiaries
  baseURL: https://api.zwitch.io/v1
  tags:
  - Beneficiaries
  - Payouts
  properties:
  - type: Documentation
    url: https://developers.zwitch.io/reference/beneficiaries
- aid: open-financial:upi
  name: Open Zwitch UPI API
  description: UPI collect requests, UPI Intent strings, and dynamic UPI QR codes for accepting customer-initiated payments
    on India's Unified Payments Interface rails. Includes mandate flows and webhook callbacks for payment success / failure
    events.
  humanURL: https://developers.zwitch.io/reference/upi
  baseURL: https://api.zwitch.io/v1
  tags:
  - UPI
  - Collect
  - QR
  - Payments
  properties:
  - type: Documentation
    url: https://developers.zwitch.io/reference/upi
- aid: open-financial:layer
  name: Open Layer Payment Gateway API
  description: Layer is Zwitch's hosted payment gateway. A few lines of layer.js render a fully PCI-compliant checkout pop-up
    that accepts net banking, UPI, credit/debit cards, and wallets. Server-side APIs create payment tokens, query payment
    status, issue full and partial refunds (including batch refunds), and download settlement reports. Mobile SDKs are available
    for Android, iOS, and Flutter.
  humanURL: https://developers.zwitch.io/docs/layer
  baseURL: https://api.zwitch.io/v1
  tags:
  - Payment Gateway
  - Checkout
  - Cards
  - UPI
  - Net Banking
  - Refunds
  properties:
  - type: Documentation
    url: https://developers.zwitch.io/docs/layer
  - type: Documentation
    url: https://docs.bankopen.com/reference/payment-request
  - type: SDKs
    url: https://github.com/bankopen/Layer-PHP-SDK
    name: Layer PHP SDK
  - type: SDKs
    url: https://github.com/bankopen/layer-java-sdk
    name: Layer Java SDK
  - type: SDKs
    url: https://github.com/bankopen/layer-nodejs-sdk
    name: Layer Node.js SDK
  - type: SDKs
    url: https://github.com/bankopen/open-payment-iOS-framework
    name: Open Payment iOS Framework
- aid: open-financial:verification
  name: Open Zwitch Verification API
  description: Identity and account-validation suite used during merchant onboarding, KYB, and pre-payout checks. Endpoints
    cover PAN verification, name matching, bank-account validation (standard and pennyless), and VPA (UPI ID) verification.
  humanURL: https://developers.zwitch.io/reference/verifications
  baseURL: https://api.zwitch.io/v1
  tags:
  - Verification
  - KYC
  - PAN
  - VPA
  - Bank Account
  properties:
  - type: Documentation
    url: https://developers.zwitch.io/reference/verifications
- aid: open-financial:settlements
  name: Open Zwitch Split Settlements API
  description: Configure split-settlement rules so that incoming payments are automatically apportioned across multiple beneficiary
    accounts at settlement time. Used by marketplaces, aggregators, and platforms handling on-behalf-of flows.
  humanURL: https://developers.zwitch.io/reference/settlements
  baseURL: https://api.zwitch.io/v1
  tags:
  - Settlement
  - Split Payments
  - Marketplace
  tags_raw:
  - Settlements
  - Split Payments
  - Marketplaces
  properties:
  - type: Documentation
    url: https://developers.zwitch.io/reference/settlements
- aid: open-financial:webhooks
  name: Open Zwitch Webhooks
  description: Real-time event delivery for payment, transfer, refund, settlement, virtual-account, and verification lifecycle
    events, with HMAC signature verification and configurable retry policies.
  humanURL: https://developers.zwitch.io/reference/webhooks
  baseURL: https://api.zwitch.io/v1
  tags:
  - Webhook
  - Event
  - Notification
  tags_raw:
  - Webhooks
  - Events
  - Notifications
  properties:
  - type: Documentation
    url: https://developers.zwitch.io/reference/webhooks
- aid: open-financial:payment-pages
  name: Open Zwitch Payment Pages API
  description: No-code hosted payment pages and payment links that small businesses can share over email, SMS, or WhatsApp
    to collect one-time or recurring payments without writing integration code. Server APIs let platforms generate pages programmatically
    and listen for paid-event webhooks.
  humanURL: https://developers.zwitch.io/reference/payment-pages
  baseURL: https://api.zwitch.io/v1
  tags:
  - Payment Pages
  - Payment Links
  - No-Code
  - Collection
  tags_raw:
  - Payment Pages
  - Payment Links
  - No-Code
  - Collections
  properties:
  - type: Documentation
    url: https://developers.zwitch.io/reference/payment-pages
- aid: open-financial:connected-banking
  name: Open Connected Banking Platform
  description: Open's flagship SMB neobanking application. Connects one or more partner-bank current accounts (ICICI, SBI,
    Axis Bank, Yes Bank, and others) and layers on bill and invoice management, vendor payments, automated reconciliation,
    GST-compliant invoicing, accounts payable and receivable automation, and two-way sync with Tally, Zoho Books, Oracle NetSuite,
    and Microsoft Dynamics. Available via web and mobile apps; programmatic access is delivered through the Zwitch / BankingStack
    APIs above.
  humanURL: https://open.money/developers
  baseURL: https://open.money/developers
  tags:
  - Connected Banking
  - Neobank
  - Small Business
  - Accounting
  - Reconciliation
  tags_raw:
  - Connected Banking
  - Neobank
  - SMB
  - Accounting
  - Reconciliation
  properties:
  - type: Documentation
    url: https://open.money/developers
  - type: Portal
    url: https://open.money/
- aid: open-financial:open-financial-accounts-api
  name: Open (open.money) Accounts API
  description: The Accounts API from Open (open.money) — 8 operation(s) for accounts.
  humanURL: https://developers.zwitch.io/reference/virtual-accounts
  baseURL: https://api.zwitch.io/v1
  tags:
  - Account
  tags_raw:
  - Accounts
  properties:
  - type: OpenAPI
    url: openapi/open-financial-accounts-api-openapi.yml
- aid: open-financial:open-financial-constants-api
  name: Open (open.money) Constants API
  description: The Constants API from Open (open.money) — 4 operation(s) for constants.
  humanURL: https://developers.zwitch.io/reference/virtual-accounts
  baseURL: https://api.zwitch.io/v1
  tags:
  - Constants
  properties:
  - type: OpenAPI
    url: openapi/open-financial-constants-api-openapi.yml
- aid: open-financial:open-financial-events-api
  name: Open (open.money) Events API
  description: The Events API from Open (open.money) — 1 operation(s) for events.
  humanURL: https://developers.zwitch.io/reference/virtual-accounts
  baseURL: https://api.zwitch.io/v1
  tags:
  - Event
  tags_raw:
  - Events
  properties:
  - type: OpenAPI
    url: openapi/open-financial-events-api-openapi.yml
- aid: open-financial:open-financial-icp-api
  name: Open (open.money) Icp API
  description: The Icp API from Open (open.money) — 1 operation(s) for icp.
  humanURL: https://developers.zwitch.io/reference/virtual-accounts
  baseURL: https://api.zwitch.io/v1
  tags:
  - Icp
  properties:
  - type: OpenAPI
    url: openapi/open-financial-icp-api-openapi.yml
- aid: open-financial:open-financial-kycs-api
  name: Open (open.money) Kycs API
  description: The Kycs API from Open (open.money) — 4 operation(s) for kycs.
  humanURL: https://developers.zwitch.io/reference/virtual-accounts
  baseURL: https://api.zwitch.io/v1
  tags:
  - Kycs
  properties:
  - type: OpenAPI
    url: openapi/open-financial-kycs-api-openapi.yml
- aid: open-financial:open-financial-pg-api
  name: Open (open.money) Pg API
  description: The Pg API from Open (open.money) — 2 operation(s) for pg.
  humanURL: https://developers.zwitch.io/reference/virtual-accounts
  baseURL: https://api.zwitch.io/v1
  tags:
  - Pg
  properties:
  - type: OpenAPI
    url: openapi/open-financial-pg-api-openapi.yml
- aid: open-financial:open-financial-pg-settlements-api
  name: Open (open.money) Pg Settlements API
  description: The Pg Settlements API from Open (open.money) — 2 operation(s) for pg settlements.
  humanURL: https://developers.zwitch.io/reference/virtual-accounts
  baseURL: https://api.zwitch.io/v1
  tags:
  - Pg Settlements
  properties:
  - type: OpenAPI
    url: openapi/open-financial-pg-settlements-api-openapi.yml
- aid: open-financial:open-financial-refund-api
  name: Open (open.money) Refund API
  description: The Refund API from Open (open.money) — 2 operation(s) for refund.
  humanURL: https://developers.zwitch.io/reference/virtual-accounts
  baseURL: https://api.zwitch.io/v1
  tags:
  - Refund
  properties:
  - type: OpenAPI
    url: openapi/open-financial-refund-api-openapi.yml
- aid: open-financial:open-financial-transfers-api
  name: Open (open.money) Transfers API
  description: The Transfers API from Open (open.money) — 4 operation(s) for transfers.
  humanURL: https://developers.zwitch.io/reference/virtual-accounts
  baseURL: https://api.zwitch.io/v1
  tags:
  - Transfers
  properties:
  - type: OpenAPI
    url: openapi/open-financial-transfers-api-openapi.yml
- aid: open-financial:open-financial-verifications-api
  name: Open (open.money) Verifications API
  description: The Verifications API from Open (open.money) — 1 operation(s) for verifications.
  humanURL: https://developers.zwitch.io/reference/virtual-accounts
  baseURL: https://api.zwitch.io/v1
  tags:
  - Verification
  tags_raw:
  - Verifications
  properties:
  - type: OpenAPI
    url: openapi/open-financial-verifications-api-openapi.yml
x-parent: open
x-relationship: product
x-readme-harvest:
  date: '2026-10-14'
  ops: 39
  tool: harvest-readme-openapi.py
  portal: https://developers.zwitch.io

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Tools for providers

9 MCP tools reach this

find_providersBrowse and filter every provider in the catalog.
get_provider_artifactsEvery artifact this provider publishes, grouped by type.
get_provider_operationsEvery operation across all of their OpenAPIs — one call instead of parsing every spec.
get_provider_toolsEvery MCP tool they ship, with the operation each wraps.
get_provider_evidenceHow each part of their score was established. Free — the basis for a claim should not sit behind it.
get_provider_ratingPRO — composite, band, trend and facet scores.
apis_io_searchSTART HERE — APIs, providers and tags for one query, each with its total.
resolveTurn a domain, URL or GitHub org into the provider it belongs to.
find_cohortsEvery scored population of providers in the catalog.

All 92 tools →

Call it yourself

curl for this page

This provider

curl "https://apis.io/api/v1/providers/open-financial"

All providers

curl "https://apis.io/api/v1/providers?limit=25"

Every operation they expose

curl "https://apis.io/api/v1/providers/open-financial/operations?limit=25"

How their score was established

curl "https://apis.io/api/v1/providers/open-financial/evidence"

Discovery needs no key. Ratings and market analysis are Pro.

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A second provider on the same verified email joins the account you already have.