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
50.5/100 developing ▬ flat Agent 78/100 agent native Full breakdown ↓
scored 2026-07-27 · rubric v0.5
AccessSelf serve
17 APIs 1 MCP Servers
CompanyPaymentsFintechBankingInstant PaymentsACHMoney MovementBank Account Verification

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 50.5/100 · developing
Contract Quality 16.5 / 25
Developer Ergonomics 14.3 / 20
Commercial Clarity 1.6 / 20
Operational Transparency 4.8 / 13
Governance 0.0 / 12
Discoverability 10.0 / 10
Agent readiness — 78/100 · agent native
Machine-Readable Contract 18 / 18
Agentic Access Contract 15 / 15
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
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.

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

MCP Servers 1

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

orum-mcp.yml

MCP SERVER

Event Specifications 1

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

Orum Webhooks

ASYNCAPI

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
MCPServer
 LLMsTxt
LLMsTxt
 AgentSkill
AgentSkill
 AgenticAccess
AgenticAccess

Design & Contract 6

Pagination, idempotency, versioning, errors, and events

Conventions
Conventions
 DataModel
DataModel
 ErrorCatalog
ErrorCatalog
 Conformance
Conformance
 Lifecycle
Lifecycle
 Webhooks
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
Authentication
 OAuthScopes
OAuthScopes
 DomainSecurity
DomainSecurity
 TrustCenter
TrustCenter

Operate 4

Status, limits, changes, and where to get help

Support
Support
 Deprecation
Deprecation
 ChangeLog
ChangeLog
 RateLimits
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)

apis.yml Raw ↑ 
aid: orum
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-backed-by:
- accel
- bain-capital-ventures
- craft-ventures
x-tier: active
x-tier-reason: enriched-api-provider
specificationVersion: '0.20'
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:
  - 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/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