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 API contracts indexed 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 and 1 Spectral governance ruleset.

Orum’s developer surface includes documentation, API reference, getting-started guide, support, authentication, changelog, sandbox, and 22 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

43.5/100 developing ▬ flat Agent 40/100 agent ready Heartbeat 0/100 dormant Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

AccessSelf serve

1 published contract 1 MCP Servers 3 Agent Skills

Company Payments Fintech Banking Instant Payments ACH Money Movement Bank Account Verification

What this lets a business do 1

Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →

Payments & Card Management

BC-1340

Book TransfersEligibilitySchedulesTransfers

POST /deliver/transfers POST /deliver/transfers/{id}/cancel POST /deliver/schedules POST /deliver/booktransfers

Kin Score

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

Composite quality — 43.5/100 · developing

Contract Quality 10.9 / 19

Developer Ergonomics 9.6 / 15

Access Clarity 1.2 / 15

Operational Transparency 3.3 / 10

Contract Governance 1.6 / 9

Discoverability 5.4 / 8

Regulatory Posture 4.6 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 40/100 · 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

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 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/.

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

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)
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document
Delegated User Identity +6 pts — a served discovery document listing authorization_code in grant_types_supported (served), else an oauth2 authorizationCode flow or openIdConnect declared in an OpenAPI (documented)
Protected Resource Metadata +5 pts — a served /.well-known/oauth-protected-resource carrying `resource` (documented), and naming its authorization_servers (verified)

4 more unmet checks in the Agent Readiness table above.

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

Access Clarity scores 7.9 — up to +18.4 composite points
Contract Quality scores 58.0 — up to +10.5 composite points
Contract Governance scores 18.2 — up to +9.8 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/orum/apis.yml: open an issue on github.com/api-evangelist/orum 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 →

Standards implemented 4

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.

NACHA

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

Model Context Protocol (MCP)

measured — observed by APIs.io (documented)

OpenAPI

measured — observed by APIs.io (published)

OAuth 2.0

measured — observed by APIs.io (declared)

APIs 17

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

Orum Authentication API

The Authentication API from Orum — 1 operation(s) for authentication.

Orum Balance API

The Balance API from Orum — 3 operation(s) for balance.

Orum Book Transfers API

The Book Transfers API from Orum — 2 operation(s) for book transfers.

Orum Businesses API

The Businesses API from Orum — 2 operation(s) for businesses.

Orum Cards API

The Cards API from Orum — 2 operation(s) for cards.

Orum Configure webhooks API

The Configure webhooks API from Orum — 2 operation(s) for configure webhooks.

Orum Eligibility API

The Eligibility API from Orum — 1 operation(s) for eligibility.

Orum External Accounts API

The External Accounts API from Orum — 4 operation(s) for external accounts.

Orum Persons API

The Persons API from Orum — 2 operation(s) for persons.

Orum Reports API

The Reports API from Orum — 5 operation(s) for reports.

Orum Schedules API

The Schedules API from Orum — 3 operation(s) for schedules.

Orum Secure webhooks API

The Secure webhooks API from Orum — 1 operation(s) for secure webhooks.

Orum Subledgers API

The Subledgers API from Orum — 2 operation(s) for subledgers.

Orum Transfer Groups API

The Transfer Groups API from Orum — 2 operation(s) for transfer groups.

Orum Transfers API

The Transfers API from Orum — 4 operation(s) for transfers.

Orum Trigger webhooks API

The Trigger webhooks API from Orum — 1 operation(s) for trigger webhooks.

Orum Verify API

The Verify API from Orum — 4 operation(s) for verify.

Scroll for all 17

Open Collections 17

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

Orum Authentication API

OPEN COLLECTION

Orum Authentication Balance API

OPEN COLLECTION

Orum Authentication Book Transfers API

OPEN COLLECTION

Orum Authentication Businesses API

OPEN COLLECTION

Orum Authentication Cards API

OPEN COLLECTION

Orum Authentication Configure webhooks API

OPEN COLLECTION

Orum Authentication Eligibility API

OPEN COLLECTION

Orum Authentication External Accounts API

OPEN COLLECTION

Orum Authentication Persons API

OPEN COLLECTION

Orum Authentication Reports API

OPEN COLLECTION

Orum Authentication Schedules API

OPEN COLLECTION

Orum Authentication Secure webhooks API

OPEN COLLECTION

Orum Authentication Subledgers API

OPEN COLLECTION

Orum Authentication Transfer Groups API

OPEN COLLECTION

Orum Authentication Transfers API

OPEN COLLECTION

Orum Authentication Trigger webhooks API

OPEN COLLECTION

Orum Authentication Verify API

OPEN COLLECTION

Scroll for all 17

MCP Servers 1

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

Orum MCP Server

Local (stdio) MCP server.

MCP SERVER

Agent Skills 3

Packaged agent skills for driving this provider's APIs from an AI assistant.

Configure and secure Orum webhooks

AGENT SKILL

Send a payment with Orum Deliver

AGENT SKILL

Verify a bank account with Orum Verify

AGENT SKILL

Event Specifications 1

AsyncAPI definitions for this provider's event-driven and streaming APIs.

Orum Webhooks

ASYNCAPI

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Orum API Rules

62 rules · 47 errors 12 warnings 3 info

SPECTRAL

OpenAPI Overlays 1

Overlays applied on top of this provider's contracts. Each card says who wrote it: a document the provider publishes, or one API Evangelist derived or generated.

Orum Openapi Overlay

2 actions · update · orum-openapi-original.yml

DERIVED

Security Posture 3

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

Orum Authentication

oauth2 · 1 scheme

SECURITY

Orum Domain Security

TLSv1.3 · DNSSEC · DMARC

SECURITY

Orum Trust Center

trust center published

SECURITY

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 2

Properties that don't map to a standard resource type

CapabilityMap

CapabilityMap

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: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  gated: none
  gated_source:
  - onboarding
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  - scopes
  - security
  - sandbox
  generated: '2026-11-06'
  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'
x-docs-platform: mintlify
x-docs-platform-confidence: medium
x-docs-platform-checked: 2026-10-04
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:
  - Business
  tags_raw:
  - 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:
  - Schedule
  tags_raw:
  - 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:
  - Sub-Ledgers
  tags_raw:
  - 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: CapabilityMap
  url: capabilities/orum-capability-edges.yml
  name: Orum Business Capability Map
- 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

Orum API — frequently asked questions

Does Orum have an API?

Yes. APIs.io lists 17 APIs from Orum, including Orum Authentication API, Orum Balance API and Orum Book Transfers API, and 14 more.

Is there an OpenAPI specification for the Orum API?

Yes. APIs.io indexes 17 OpenAPI specifications for Orum, each linked for download from this page.

How do I authenticate with the Orum API?

Orum documents its authentication (oauth2 · 1 scheme). The details are profiled on APIs.io as Orum Authentication.

Does Orum have an MCP server?

Yes. APIs.io lists 1 MCP server for Orum: Local (stdio) MCP server.

Is the Orum API ready for AI agents?

Orum has a Kin Score of 43.5 out of 100 (developing) and an Agent Readiness score of 40.1 (agent-ready), scored by API Evangelist on 2026-11-06.

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