# Orum

**Canonical:** https://apis.io/providers/orum/  
**Website:** https://orum.io/  
**APIs profiled:** 17

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.

## Kin Score — 48.2 / 100 (developing)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 48.2).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 66.2 |
| Governance | 16.7 |
| Contract Governance | 16.7 |
| Operational Transparency | 34.2 |
| Developer Ergonomics | 63.7 |
| Commercial Clarity | 7.9 |
| Access Clarity | 7.9 |

Regulatory layer — **Banking & Open Finance**: 49.4 (matched via tags).

## Agent readiness — 48.2 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | documented |
| MCP Server | documented |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | verified |
| OpenAPI Examples | no |
| Rate Limit Signal | documented |
| Event Surface Described | yes |
| Agent Skills | derived |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: medium).

## APIs (17)

- **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.

## MCP servers (1)

- **Orum MCP Server**

## Agentic access (1)

- **Orum Agentic Access** — 71 operations · 38 acting · 1 human-in-the-loop

## Security (3)

- **Orum Authentication** — oauth2 · 1 scheme
- **Orum Domain Security** — TLSv1.3 · DNSSEC · DMARC
- **Orum Trust Center** — trust center published

## Tags

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

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