Palla website screenshot

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 publishes 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.

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

🌐 Visit website 📡 Source on GitHub
51.6/100 developing ▬ flat Agent 43/100 agent ready Full breakdown ↓
scored 2026-08-20 · rubric v0.12.0
AccessSelf serve
7 APIs 1 MCP Servers
CompanyFintechPaymentsCross-Border PaymentsRemittancesP2P PaymentsMoney TransferEmbedded Finance

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-08-20 · rubric v0.12.0
Composite quality — 51.6/100 · developing
Contract Quality 13.9 / 21
Developer Ergonomics 8.8 / 17
Access Clarity 6.3 / 17
Operational Transparency 2.9 / 11
Contract Governance 1.7 / 10
Discoverability 6.9 / 9
Regulatory Posture 8.9 / 15
Agent readiness — 43/100 · 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
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.
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/palla: 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 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 8

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

API Collection

OPEN COLLECTION

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 8

MCP Servers 1

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

Palla MCP Server

MCP SERVER

Event Specifications 1

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

Palla Webhooks

ASYNCAPI

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

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

MCPServer
MCPServer
 AgentSkill
AgentSkill
 LLMsTxt
LLMsTxt
 WellKnown
WellKnown
 AgenticAccess
AgenticAccess

Design & Contract 8

Pagination, idempotency, versioning, errors, and events

Components
Components
 Webhooks
Webhooks
 Conventions
Conventions
 Idempotency
Idempotency
 ErrorCatalog
ErrorCatalog
 Lifecycle
Lifecycle
 Conformance
Conformance
 DataModel
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
TrustCenter
 Compliance
Compliance
 Authentication
Authentication
 DomainSecurity
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)

apis.yml Raw ↑ 
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
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://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'
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: MCPServer
  url: mcp/palla-mcp.yml
- 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