Orum

Orum is a payments infrastructure company that lets businesses move money and verify bank accounts through a single unified API. Its Deliver product provides "Direct to Fed" money movement across FedNow, RTP, Same Day ACH, ACH, Wires, and Visa Direct; Verify instantly confirms bank account status, ownership, and control; and Monitor is a portal for orchestrating and reconciling payment operations in real time. The REST API uses OAuth 2.0 client-credentials, offers signed webhooks for money-movement events, and ships a published OpenAPI spec and an OpenAPI-generated MCP server. Orum is backed by Accel, Bain Capital Ventures, and Craft Ventures.

Orum publishes 17 APIs on the APIs.io network, including Authentication API, Balance API, Book Transfers API, and 14 more. Tagged areas include Company, Payments, Fintech, Banking, and Instant Payments.

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

Orum’s developer surface includes documentation, API reference, getting-started guide, support, authentication, changelog, sandbox, and 21 more developer resources.

🌐 Visit website 📡 Source on GitHub

48.2/100 developing ▬ flat Agent 48/100 agent ready Full breakdown ↓
scored 2026-08-20 · rubric v0.12.0

AccessSelf serve

17 APIs 1 MCP Servers

CompanyPaymentsFintechBankingInstant PaymentsACHMoney MovementBank Account Verification

Kin Score

Kin Score How this is scored →
scored 2026-08-20 · rubric v0.12.0

Composite quality — 48.2/100 · developing

Contract Quality 14.1 / 21

Developer Ergonomics 10.8 / 17

Access Clarity 1.3 / 17

Operational Transparency 3.8 / 11

Contract Governance 1.7 / 10

Discoverability 6.9 / 9

Regulatory Posture 7.4 / 15

Agent readiness — 48/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 6 / 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 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

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.

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/. This rating is computed from github.com/api-evangelist/orum: 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 17

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

Open Collections 18

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

MCP Servers 1

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

Scopes 1

OAuth scopes governing access to this provider's APIs.

Orum Scopes

29 scopes · clientCredentials

29 scopes

SCOPES

Agentic Access 1

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

Orum Agentic Access

71 operations · 38 acting · 1 human-in-the-loop

71 operations · 38 acting

AGENTIC

Resources

Get Started 3

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

GettingStarted

GettingStarted

Sandbox

Sandbox

Documentation 3

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

OpenAPI

OpenAPI

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

MCPServer

LLMsTxt

AgentSkill

AgenticAccess

Design & Contract 6

Pagination, idempotency, versioning, errors, and events

Conventions

DataModel

ErrorCatalog

Conformance

Lifecycle

Webhooks

Build 2

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Packages

Packages

Access & Security 4

Authentication, authorization, and security posture

Authentication

OAuthScopes

DomainSecurity

TrustCenter

Operate 4

Status, limits, changes, and where to get help

Support

Deprecation

ChangeLog

RateLimits

Company 1

The organization behind the API

Website

Website

Other 1

Properties that don't map to a standard resource type

Overlay

Overlay

Source (apis.yml)

aid: orum
deliveryModel:
  model: unknown
  open_source: false
  commercial: false
  callable_host: true
  label: Delivery model not determined — needs a product licence on record
  confidence: low
  source:
  - openapi
  generated: '2026-08-11'
  method: derived
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/orum.png
name: Orum
description: Orum is a payments infrastructure company that lets businesses move money and verify bank accounts through a
  single unified API. Its Deliver product provides "Direct to Fed" money movement across FedNow, RTP, Same Day ACH, ACH, Wires,
  and Visa Direct; Verify instantly confirms bank account status, ownership, and control; and Monitor is a portal for orchestrating
  and reconciling payment operations in real time. The REST API uses OAuth 2.0 client-credentials, offers signed webhooks
  for money-movement events, and ships a published OpenAPI spec and an OpenAPI-generated MCP server. Orum is backed by Accel,
  Bain Capital Ventures, and Craft Ventures.
url: https://raw.githubusercontent.com/api-evangelist/orum/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-disambiguation: This is orum.io — payments infrastructure (FedNow/RTP/Same Day ACH/Wires/Visa Direct money movement, bank-account
  verification). NOT orum.com, which is an unrelated AI sales dialer profiled at `all/orum-com`. Two different companies with
  the same name. This repo keeps the bare `orum` slug because it is already referenced by four published paper bundles (accel-api-portfolio,
  bain-capital-ventures-api-portfolio, agentic-readiness-of-venture, state-of-us-payments-apis) and ~25k generated pages;
  renaming it to `orum-io` was considered and declined 2026-08-04.
x-backed-by:
- accel
- bain-capital-ventures
- craft-ventures
x-tier: active
x-tier-reason: enriched-api-provider
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-20'
tags:
- Company
- Payments
- Fintech
- Banking
- Instant Payments
- ACH
- Money Movement
- Bank Account Verification
apis:
- aid: orum:orum-authentication-api
  name: Orum Authentication API
  description: The Authentication API from Orum — 1 operation(s) for authentication.
  humanURL: https://docs.orum.io
  baseURL: https://api.orum.io
  tags:
  - Authentication
  properties:
  - type: OpenAPI
    url: openapi/orum-authentication-api-openapi.yml
- aid: orum:orum-balance-api
  name: Orum Balance API
  description: The Balance API from Orum — 3 operation(s) for balance.
  humanURL: https://docs.orum.io
  baseURL: https://api.orum.io
  tags:
  - Balances
  tags_raw:
  - Balance
  properties:
  - type: OpenAPI
    url: openapi/orum-balance-api-openapi.yml
- aid: orum:orum-book-transfers-api
  name: Orum Book Transfers API
  description: The Book Transfers API from Orum — 2 operation(s) for book transfers.
  humanURL: https://docs.orum.io
  baseURL: https://api.orum.io
  tags:
  - Book Transfers
  properties:
  - type: OpenAPI
    url: openapi/orum-book-transfers-api-openapi.yml
- aid: orum:orum-businesses-api
  name: Orum Businesses API
  description: The Businesses API from Orum — 2 operation(s) for businesses.
  humanURL: https://docs.orum.io
  baseURL: https://api.orum.io
  tags:
  - Businesses
  properties:
  - type: OpenAPI
    url: openapi/orum-businesses-api-openapi.yml
- aid: orum:orum-cards-api
  name: Orum Cards API
  description: The Cards API from Orum — 2 operation(s) for cards.
  humanURL: https://docs.orum.io
  baseURL: https://api.orum.io
  tags:
  - Cards
  properties:
  - type: OpenAPI
    url: openapi/orum-cards-api-openapi.yml
- aid: orum:orum-configure-webhooks-api
  name: Orum Configure webhooks API
  description: The Configure webhooks API from Orum — 2 operation(s) for configure webhooks.
  humanURL: https://docs.orum.io
  baseURL: https://api.orum.io
  tags:
  - Configure webhooks
  properties:
  - type: OpenAPI
    url: openapi/orum-configure-webhooks-api-openapi.yml
- aid: orum:orum-eligibility-api
  name: Orum Eligibility API
  description: The Eligibility API from Orum — 1 operation(s) for eligibility.
  humanURL: https://docs.orum.io
  baseURL: https://api.orum.io
  tags:
  - Eligibility
  properties:
  - type: OpenAPI
    url: openapi/orum-eligibility-api-openapi.yml
- aid: orum:orum-external-accounts-api
  name: Orum External Accounts API
  description: The External Accounts API from Orum — 4 operation(s) for external accounts.
  humanURL: https://docs.orum.io
  baseURL: https://api.orum.io
  tags:
  - External Accounts
  properties:
  - type: OpenAPI
    url: openapi/orum-external-accounts-api-openapi.yml
- aid: orum:orum-persons-api
  name: Orum Persons API
  description: The Persons API from Orum — 2 operation(s) for persons.
  humanURL: https://docs.orum.io
  baseURL: https://api.orum.io
  tags:
  - Persons
  properties:
  - type: OpenAPI
    url: openapi/orum-persons-api-openapi.yml
- aid: orum:orum-reports-api
  name: Orum Reports API
  description: The Reports API from Orum — 5 operation(s) for reports.
  humanURL: https://docs.orum.io
  baseURL: https://api.orum.io
  tags:
  - Reports
  properties:
  - type: OpenAPI
    url: openapi/orum-reports-api-openapi.yml
- aid: orum:orum-schedules-api
  name: Orum Schedules API
  description: The Schedules API from Orum — 3 operation(s) for schedules.
  humanURL: https://docs.orum.io
  baseURL: https://api.orum.io
  tags:
  - Schedules
  properties:
  - type: OpenAPI
    url: openapi/orum-schedules-api-openapi.yml
- aid: orum:orum-secure-webhooks-api
  name: Orum Secure webhooks API
  description: The Secure webhooks API from Orum — 1 operation(s) for secure webhooks.
  humanURL: https://docs.orum.io
  baseURL: https://api.orum.io
  tags:
  - Secure webhooks
  properties:
  - type: OpenAPI
    url: openapi/orum-secure-webhooks-api-openapi.yml
- aid: orum:orum-subledgers-api
  name: Orum Subledgers API
  description: The Subledgers API from Orum — 2 operation(s) for subledgers.
  humanURL: https://docs.orum.io
  baseURL: https://api.orum.io
  tags:
  - Subledgers
  properties:
  - type: OpenAPI
    url: openapi/orum-subledgers-api-openapi.yml
- aid: orum:orum-transfer-groups-api
  name: Orum Transfer Groups API
  description: The Transfer Groups API from Orum — 2 operation(s) for transfer groups.
  humanURL: https://docs.orum.io
  baseURL: https://api.orum.io
  tags:
  - Transfer Groups
  properties:
  - type: OpenAPI
    url: openapi/orum-transfer-groups-api-openapi.yml
- aid: orum:orum-transfers-api
  name: Orum Transfers API
  description: The Transfers API from Orum — 4 operation(s) for transfers.
  humanURL: https://docs.orum.io
  baseURL: https://api.orum.io
  tags:
  - Transfers
  properties:
  - type: OpenAPI
    url: openapi/orum-transfers-api-openapi.yml
- aid: orum:orum-trigger-webhooks-api
  name: Orum Trigger webhooks API
  description: The Trigger webhooks API from Orum — 1 operation(s) for trigger webhooks.
  humanURL: https://docs.orum.io
  baseURL: https://api.orum.io
  tags:
  - Trigger webhooks
  properties:
  - type: OpenAPI
    url: openapi/orum-trigger-webhooks-api-openapi.yml
- aid: orum:orum-verify-api
  name: Orum Verify API
  description: The Verify API from Orum — 4 operation(s) for verify.
  humanURL: https://docs.orum.io
  baseURL: https://api.orum.io
  tags:
  - Verify
  properties:
  - type: OpenAPI
    url: openapi/orum-verify-api-openapi.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://orum.io/
- type: DeveloperPortal
  url: https://docs.orum.io
- type: Documentation
  url: https://docs.orum.io
- type: APIReference
  url: https://docs.orum.io/api-reference
- type: GettingStarted
  url: https://docs.orum.io/guides/welcome
- type: Support
  url: mailto:service@orum.io
- type: GitHubOrganization
  url: https://github.com/orum-io
- type: OpenAPI
  url: openapi/_original/orum-openapi-original.yml
- type: Overlay
  url: overlays/orum-openapi-overlay.yaml
- type: Authentication
  url: authentication/orum-authentication.yml
- type: OAuthScopes
  url: scopes/orum-scopes.yml
- type: MCPServer
  url: mcp/orum-mcp.yml
- type: LLMsTxt
  url: llms/orum-llms.txt
- type: AgentSkill
  url: skills/_index.yml
- type: AgenticAccess
  url: agentic-access/orum-agentic-access.yml
- type: Packages
  url: packages/orum-packages.yml
- type: Conventions
  url: conventions/orum-conventions.yml
- type: DataModel
  url: data-model/orum-data-model.yml
- type: ErrorCatalog
  url: errors/orum-problem-types.yml
- type: Conformance
  url: conformance/orum-conformance.yml
- type: Lifecycle
  url: lifecycle/orum-lifecycle.yml
- type: Deprecation
  url: lifecycle/orum-lifecycle.yml
- type: ChangeLog
  url: changelog/orum-changelog.yml
- type: Sandbox
  url: sandbox/orum-sandbox.yml
- type: RateLimits
  url: https://docs.orum.io/guides/deliver/rate-limits
- type: Webhooks
  url: asyncapi/orum-webhooks.yml
- type: DomainSecurity
  url: security/orum-domain-security.yml
- type: TrustCenter
  url: security/orum-trust-center.yml
x-enrichment:
  date: '2026-07-20'
  status: enriched
  artifacts_added: 20
  pass: local-v1