Palla

Palla Financial is a fintech infrastructure company that powers instant cross-border peer-to-peer (P2P) money transfers to 180+ countries. The Palla Platform Partner API lets trusted partners embed transfers into their own apps: exchange partner client credentials for a user-scoped Bearer token, then create and manage a user's Account, encrypted Payment Methods, relationship Links, Relationships, and Transfers, with server-to-server transfer callbacks. Palla also ships embeddable UI (Embed, Checkout, Redirect) and a JavaScript Web SDK, with PCI-scoped card storage plus KYC, OFAC, card verification, fraud prevention, and transaction monitoring built in. Backed by Cowboy Ventures.

Palla is listed with 7 APIs on the APIs.io network, including Accounts API, Auth API, Health API, and 4 more. Tagged areas include Company, Fintech, Payments, Cross-Border Payments, and Remittances.

The Palla catalog on APIs.io includes 1 event-driven AsyncAPI specification and 1 Spectral governance ruleset.

Palla’s developer surface includes documentation, API reference, authentication, and 26 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

39.7/100 developing ▬ flat Agent 33/100 agent ready Front door AI 1/6 silent Heartbeat 37/100 slowing saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

7 APIs 2 Agent Skills

Company Fintech Payments Cross-Border Payments RemittancesP2P PaymentsMoney Transfer Embedded Finance

Kin Score

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

Composite quality — 39.7/100 · developing

Contract Quality 4.5 / 19

Developer Ergonomics 7.8 / 15

Access Clarity 5.5 / 15

Operational Transparency 2.6 / 10

Contract Governance 1.6 / 9

Discoverability 5.9 / 8

Regulatory Posture 5.1 / 15

Create-or-Update Ergonomics 1.1 / 10

Agent readiness — 33/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 9 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 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 Payments 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):

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Rate-Limit Signaling +7 pts — OpenAPI responses document X-RateLimit-* / RateLimit headers (verified), else a rate_limits artifact or RateLimits link (documented)
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)

6 more unmet checks in the Agent Readiness table above.

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

Contract Quality scores 23.9 — up to +19.0 composite points
Access Clarity scores 36.8 — up to +12.6 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/palla/apis.yml: open an issue on github.com/api-evangelist/palla 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 2

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.

OpenAPI

measured — observed by APIs.io (published)

OAuth 2.0

measured — observed by APIs.io (declared)

APIs 7

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

Palla Accounts API

An Account belongs to a User authorized to use Palla.

Palla Auth API

Authentication endpoints return tokens for user access.

Palla Health API

Service health.

Palla Links API

A Link is a unique URL belonging to an Account, used to create Relationships.

Palla Payment Methods API

Payment Methods are used to send and/or receive Transfers.

Palla Relationships API

A Relationship is the connection between two Accounts.

Palla Transfers API

A Transfer is a record of funds sent to a Relationship.

Scroll for all 7

Open Collections 7

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

Palla Platform Partner Accounts API

OPEN COLLECTION

Palla Platform Partner Accounts Auth API

OPEN COLLECTION

Palla Platform Partner Accounts Health API

OPEN COLLECTION

Palla Platform Partner Accounts Links API

OPEN COLLECTION

Palla Platform Partner Accounts Payment Methods API

OPEN COLLECTION

Palla Platform Partner Accounts Relationships API

OPEN COLLECTION

Palla Platform Partner Accounts Transfers API

OPEN COLLECTION

Scroll for all 7

Agent Skills 2

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

Connect two Palla accounts and track transfers

AGENT SKILL

Onboard a Palla user and add a card

AGENT SKILL

Service Levels 1

Uptime the provider promises or reports, as SLA4OAI. Read from its own pages; APIs.io runs no monitors.

Palla

SLA

Event Specifications 1

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

Palla Webhooks

ASYNCAPI

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Palla API Rules

68 rules · 63 errors 3 warnings 2 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.

Palla Platform Overlay

3 actions · update · palla-platform-openapi.yml

DERIVED

Security Posture 3

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

Palla Authentication

http/oauth2 · 2 schemes

SECURITY

Palla Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Palla Trust Center

SOC 2, ISO 27001, PCI DSS, GDPR

SECURITY

Agentic Access 1

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

Palla Agentic Access

13 operations · 7 acting

AGENTIC

Resources

Get Started 1

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 5

MCP servers, agent skills, and machine-readable catalogs

X-MCPServerCandidate

AgentSkill

LLMsTxt

WellKnown

AgenticAccess

Design & Contract 8

Pagination, idempotency, versioning, errors, and events

Components

Webhooks

Conventions

Idempotency

ErrorCatalog

Lifecycle

Conformance

DataModel

Scroll for all 8

Build 4

SDKs, sample code, and the tooling you integrate with

Postman

Postman

GitHubOrganization

GitHubOrganization

SDKs

SDKs

Packages

Packages

Access & Security 4

Authentication, authorization, and security posture

TrustCenter

Compliance

Authentication

DomainSecurity

Operate 1

Status, limits, changes, and where to get help

StatusPage

StatusPage

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

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: palla
name: Palla
description: 'Palla Financial is a fintech infrastructure company that powers instant cross-border peer-to-peer (P2P) money
  transfers to 180+ countries. The Palla Platform Partner API lets trusted partners embed transfers into their own apps: exchange
  partner client credentials for a user-scoped Bearer token, then create and manage a user''s Account, encrypted Payment Methods,
  relationship Links, Relationships, and Transfers, with server-to-server transfer callbacks. Palla also ships embeddable
  UI (Embed, Checkout, Redirect) and a JavaScript Web SDK, with PCI-scoped card storage plus KYC, OFAC, card verification,
  fraud prevention, and transaction monitoring built in. Backed by Cowboy Ventures.'
url: https://raw.githubusercontent.com/api-evangelist/palla/refs/heads/main/apis.yml
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - authentication
  - security
  generated: '2026-11-06'
  method: derived
image: https://www.palla.com/page-preview.png
x-type: company
x-source: vc-portfolio
x-backed-by:
- cowboy-ventures
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-20'
x-docs-platform: postman
x-docs-platform-confidence: high
x-docs-platform-checked: 2026-10-04
tags:
- Company
- Fintech
- Payments
- Cross-Border Payments
- Remittances
- P2P Payments
- Money Transfer
- Embedded Finance
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
apis:
- aid: palla:palla-accounts-api
  name: Palla Accounts API
  description: An Account belongs to a User authorized to use Palla.
  humanURL: https://docs.platform.palla.app
  baseURL: https://api.platform.palla.app
  tags:
  - Account
  tags_raw:
  - Accounts
  properties:
  - type: OpenAPI
    url: openapi/palla-accounts-api-openapi.yml
  - type: Documentation
    url: https://docs.platform.palla.app
  - type: Webhooks
    url: asyncapi/palla-webhooks.yml
  - type: ErrorCatalog
    url: errors/palla-problem-types.yml
  - type: Conventions
    url: conventions/palla-conventions.yml
  - type: Idempotency
    url: conventions/palla-conventions.yml
  - type: DataModel
    url: data-model/palla-data-model.yml
- aid: palla:palla-auth-api
  name: Palla Auth API
  description: Authentication endpoints return tokens for user access.
  humanURL: https://docs.platform.palla.app
  baseURL: https://api.platform.palla.app
  tags:
  - Authentication
  tags_raw:
  - Auth
  properties:
  - type: OpenAPI
    url: openapi/palla-auth-api-openapi.yml
  - type: Documentation
    url: https://docs.platform.palla.app
  - type: Webhooks
    url: asyncapi/palla-webhooks.yml
  - type: ErrorCatalog
    url: errors/palla-problem-types.yml
  - type: Conventions
    url: conventions/palla-conventions.yml
  - type: Idempotency
    url: conventions/palla-conventions.yml
  - type: DataModel
    url: data-model/palla-data-model.yml
- aid: palla:palla-health-api
  name: Palla Health API
  description: Service health.
  humanURL: https://docs.platform.palla.app
  baseURL: https://api.platform.palla.app
  tags:
  - Health
  properties:
  - type: OpenAPI
    url: openapi/palla-health-api-openapi.yml
  - type: Documentation
    url: https://docs.platform.palla.app
  - type: Webhooks
    url: asyncapi/palla-webhooks.yml
  - type: ErrorCatalog
    url: errors/palla-problem-types.yml
  - type: Conventions
    url: conventions/palla-conventions.yml
  - type: Idempotency
    url: conventions/palla-conventions.yml
  - type: DataModel
    url: data-model/palla-data-model.yml
- aid: palla:palla-links-api
  name: Palla Links API
  description: A Link is a unique URL belonging to an Account, used to create Relationships.
  humanURL: https://docs.platform.palla.app
  baseURL: https://api.platform.palla.app
  tags:
  - Links
  properties:
  - type: OpenAPI
    url: openapi/palla-links-api-openapi.yml
  - type: Documentation
    url: https://docs.platform.palla.app
  - type: Webhooks
    url: asyncapi/palla-webhooks.yml
  - type: ErrorCatalog
    url: errors/palla-problem-types.yml
  - type: Conventions
    url: conventions/palla-conventions.yml
  - type: Idempotency
    url: conventions/palla-conventions.yml
  - type: DataModel
    url: data-model/palla-data-model.yml
- aid: palla:palla-payment-methods-api
  name: Palla Payment Methods API
  description: Payment Methods are used to send and/or receive Transfers.
  humanURL: https://docs.platform.palla.app
  baseURL: https://api.platform.palla.app
  tags:
  - Payment Methods
  properties:
  - type: OpenAPI
    url: openapi/palla-payment-methods-api-openapi.yml
  - type: Documentation
    url: https://docs.platform.palla.app
  - type: Webhooks
    url: asyncapi/palla-webhooks.yml
  - type: ErrorCatalog
    url: errors/palla-problem-types.yml
  - type: Conventions
    url: conventions/palla-conventions.yml
  - type: Idempotency
    url: conventions/palla-conventions.yml
  - type: DataModel
    url: data-model/palla-data-model.yml
- aid: palla:palla-relationships-api
  name: Palla Relationships API
  description: A Relationship is the connection between two Accounts.
  humanURL: https://docs.platform.palla.app
  baseURL: https://api.platform.palla.app
  tags:
  - Relationships
  properties:
  - type: OpenAPI
    url: openapi/palla-relationships-api-openapi.yml
  - type: Documentation
    url: https://docs.platform.palla.app
  - type: Webhooks
    url: asyncapi/palla-webhooks.yml
  - type: ErrorCatalog
    url: errors/palla-problem-types.yml
  - type: Conventions
    url: conventions/palla-conventions.yml
  - type: Idempotency
    url: conventions/palla-conventions.yml
  - type: DataModel
    url: data-model/palla-data-model.yml
- aid: palla:palla-transfers-api
  name: Palla Transfers API
  description: A Transfer is a record of funds sent to a Relationship.
  humanURL: https://docs.platform.palla.app
  baseURL: https://api.platform.palla.app
  tags:
  - Transfers
  properties:
  - type: OpenAPI
    url: openapi/palla-transfers-api-openapi.yml
  - type: Documentation
    url: https://docs.platform.palla.app
  - type: Webhooks
    url: asyncapi/palla-webhooks.yml
  - type: ErrorCatalog
    url: errors/palla-problem-types.yml
  - type: Conventions
    url: conventions/palla-conventions.yml
  - type: Idempotency
    url: conventions/palla-conventions.yml
  - type: DataModel
    url: data-model/palla-data-model.yml
common:
- type: Overlay
  url: overlays/palla-platform-overlay.yaml
- type: Website
  url: https://www.palla.com
- type: DeveloperPortal
  url: https://docs.platform.palla.app
- type: Documentation
  url: https://docs.platform.palla.app
- type: APIReference
  url: https://documenter.getpostman.com/view/306637/TzkyP11Z
- type: Postman
  url: https://documenter.getpostman.com/view/306637/TzkyP11Z
- type: GitHubOrganization
  url: https://github.com/PallaFinancial
- type: StatusPage
  url: https://status.palla.app
- type: TermsOfService
  url: https://palla.app/terms-and-conditions
- type: PrivacyPolicy
  url: https://palla.app/privacy-policy
- type: TrustCenter
  url: security/palla-trust-center.yml
- type: Compliance
  url: https://trust.palla.com/
- type: SDKs
  url: packages/palla-packages.yml
- type: Packages
  url: packages/palla-packages.yml
- type: Components
  url: components/palla-components.yml
- type: X-MCPServerCandidate
  url: mcp/palla-mcp.yml
  note: 'Renamed from MCPServer 2026-09-03 (roadmap#247): the manifest self-describes as status: candidate — a tool list derived
    from the published API contracts, not an existing server. The scorer already read the manifest and reported mcp_server
    correctly; the MCPServer type was crediting the artifact-type surfaces with a server that does not exist.'
- type: AgentSkill
  url: skills/_index.yml
- type: LLMsTxt
  url: llms/palla-llms.txt
- type: Webhooks
  url: asyncapi/palla-webhooks.yml
- type: Conventions
  url: conventions/palla-conventions.yml
- type: Idempotency
  url: conventions/palla-conventions.yml
- type: ErrorCatalog
  url: errors/palla-problem-types.yml
- type: Lifecycle
  url: lifecycle/palla-lifecycle.yml
- type: Conformance
  url: conformance/palla-conformance.yml
- type: DataModel
  url: data-model/palla-data-model.yml
- type: WellKnown
  url: well-known/palla-well-known.yml
- type: Authentication
  url: authentication/palla-authentication.yml
- type: AgenticAccess
  url: agentic-access/palla-agentic-access.yml
- type: DomainSecurity
  url: security/palla-domain-security.yml
x-enrichment:
  date: '2026-07-20'
  status: enriched
  artifacts_added: 18
  pass: local-v1

Palla API — frequently asked questions

Does Palla have an API?

Yes. APIs.io lists 7 APIs from Palla, including Palla Accounts API, Palla Auth API and Palla Health API, and 4 more.

Is there an OpenAPI specification for the Palla API?

Yes. APIs.io indexes 7 OpenAPI specifications for Palla, each linked for download from this page.

How do I authenticate with the Palla API?

Palla uses bearer-token authentication (http/oauth2 · 2 schemes). The details are profiled on APIs.io as Palla Authentication.

Is the Palla API ready for AI agents?

Palla has a Kin Score of 39.7 out of 100 (developing) and an Agent Readiness score of 32.9 (agent-ready), scored by API Evangelist on 2026-11-06.

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