Pave Bank

Pave Bank is a licensed, regulated digital bank (National Bank of Georgia, License 305) delivering multi-asset, programmable banking. Its Partner API lets developers open and manage accounts, initiate domestic and cross-border transfers, execute FX, hold and move 29 fiat currencies plus digital assets (USDT, USDC, BTC, ETH), read real-time balances and transaction history, generate bank statements, and receive signed real-time webhooks. Pave positions itself as an "operating system for money" with an app-and-API programmability model built on a first-party Go Application Development Kit (PDK). Authentication is OAuth 2.0 client credentials with role-based access; requests support idempotency keys and optional JWT payload signing.

Pave Bank is listed with 1 API on the APIs.io network. Tagged areas include Company, Fintech, Banking, Payments, and Digital Assets.

The Pave Bank catalog on APIs.io includes 1 event-driven AsyncAPI specification.

Pave Bank’s developer surface includes documentation, API reference, getting-started guide, authentication, sandbox, and 16 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

38.5/100 thin ▬ flat Agent 26/100 agent aware Front door AI 1/6 silent Heartbeat 0/100 dormant saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

AccessSelf serve

1 API

Company Fintech Banking Payments Digital Assets Stablecoins Cross-Border PaymentsProgrammable Money

Kin Score

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

Composite quality — 38.5/100 · thin

Contract Quality 8.3 / 21

Developer Ergonomics 10.9 / 17

Access Clarity 4.3 / 17

Operational Transparency 1.2 / 11

Contract Governance 1.9 / 10

Discoverability 6.2 / 9

Regulatory Posture 3.1 / 15

Agent readiness — 26/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 0 / 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 0 / 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 could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

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/.

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It updates itself when the score changes. Paste this where you link to your API docs:

<a href="https://apis.io/providers/pave-bank/"><img src="https://apis.io/badge/pave-bank/card.svg" alt="Pave Bank on APIs.io — Kin Score by API Evangelist"></a>

Other styles, a README pill and a shields.io endpoint are on the badge page.

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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
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
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

8 more unmet checks in the Agent Readiness table above.

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

Contract Quality scores 39.0 — up to +15.3 composite points
Access Clarity scores 25.0 — up to +15.0 composite points
Operational Transparency scores 10.5 — up to +11.6 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/pave-bank/apis.yml: open an issue on github.com/api-evangelist/pave-bank 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 →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
Stablecoins and Tokenization (stablecoin issuers, tokenized assets)	undeclared	-	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

APIs 1

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

Pave Bank Partner API

Partner API for programmable multi-asset banking: Accounts, Address, Balance, Crypto, Documents, FX, Return, RFI, Sandbox, Statement, Transactions, and Transfer resources, plus ...

Event Specifications 1

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

Pave Bank Webhooks

ASYNCAPI

Security Posture 2

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

Pave Bank Authentication

oauth2 · 1 scheme

SECURITY

Pave Bank Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Resources

Get Started 4

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

GettingStarted

GettingStarted

Sandbox

Sandbox

Login

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

Design & Contract 6

Pagination, idempotency, versioning, errors, and events

Conventions

Idempotency

ErrorCatalog

Webhooks

Conformance

Lifecycle

Build 3

SDKs, sample code, and the tooling you integrate with

Packages

Packages

SDKs

SDKs

GitHubOrganization

GitHubOrganization

Access & Security 3

Authentication, authorization, and security posture

Authentication

Authentication

Compliance

Compliance

DomainSecurity

DomainSecurity

Commercial 1

Pricing, plans, and the legal terms of use

PrivacyPolicy

PrivacyPolicy

Company 1

The organization behind the API

Website

Website

Source (apis.yml)

aid: pave-bank
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  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
  - security
  - sandbox
  generated: '2026-11-06'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/pave-bank.png
name: Pave Bank
description: Pave Bank is a licensed, regulated digital bank (National Bank of Georgia, License 305) delivering multi-asset,
  programmable banking. Its Partner API lets developers open and manage accounts, initiate domestic and cross-border transfers,
  execute FX, hold and move 29 fiat currencies plus digital assets (USDT, USDC, BTC, ETH), read real-time balances and transaction
  history, generate bank statements, and receive signed real-time webhooks. Pave positions itself as an "operating system
  for money" with an app-and-API programmability model built on a first-party Go Application Development Kit (PDK). Authentication
  is OAuth 2.0 client credentials with role-based access; requests support idempotency keys and optional JWT payload signing.
url: https://raw.githubusercontent.com/api-evangelist/pave-bank/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- accel
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-20'
tags:
- Company
- Fintech
- Banking
- Payments
- Digital Assets
- Stablecoins
- Cross-Border Payments
- Programmable Money
tags_raw:
- Company
- Fintech
- Banking
- Payments
- Digital Assets
- Stablecoins
- Cross-Border Payments
- Programmable Money
- API
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
apis:
- name: Pave Bank Partner API
  description: 'Partner API for programmable multi-asset banking: Accounts, Address, Balance, Crypto, Documents, FX, Return,
    RFI, Sandbox, Statement, Transactions, and Transfer resources, plus real-time signed webhooks.'
  humanURL: https://docs.pavebank.com
  baseURL: https://api.pavebank.com/v1/
  tags:
  - Banking
  - Payments
  - Digital Assets
  properties:
  - type: Documentation
    url: https://docs.pavebank.com/docs
  - type: Authentication
    url: authentication/pave-bank-authentication.yml
common:
- type: Website
  url: https://pavebank.com/en
- type: DeveloperPortal
  url: https://docs.pavebank.com
- type: Documentation
  url: https://docs.pavebank.com/docs
- type: APIReference
  url: https://docs.pavebank.com
- type: GettingStarted
  url: https://docs.pavebank.com/docs
- type: Authentication
  url: authentication/pave-bank-authentication.yml
- type: Conventions
  url: conventions/pave-bank-conventions.yml
- type: Idempotency
  url: conventions/pave-bank-conventions.yml
- type: ErrorCatalog
  url: errors/pave-bank-error-codes.yml
- type: Webhooks
  url: asyncapi/pave-bank-webhooks.yml
- type: Packages
  url: packages/pave-bank-packages.yml
- type: SDKs
  url: packages/pave-bank-packages.yml
- type: Conformance
  url: conformance/pave-bank-conformance.yml
- type: Compliance
  url: conformance/pave-bank-conformance.yml
- type: Sandbox
  url: sandbox/pave-bank-sandbox.yml
- type: Lifecycle
  url: lifecycle/pave-bank-lifecycle.yml
- type: LLMsTxt
  url: llms/pave-bank-llms.txt
- type: DomainSecurity
  url: security/pave-bank-domain-security.yml
- type: GitHubOrganization
  url: https://github.com/pavebank
- type: PrivacyPolicy
  url: https://pavebank.com/en/legal?tab=privacy-policy
- type: Login
  url: https://app.pavebank.com
x-enrichment:
  date: '2026-07-20'
  status: enriched
  artifacts_added: 11
  pass: local-v1

Pave Bank API — frequently asked questions

Does Pave Bank have an API?

Yes. APIs.io lists 1 API from Pave Bank, including Pave Bank Partner API.

How do I authenticate with the Pave Bank API?

Pave Bank uses bearer-token authentication (oauth2 · 1 scheme). The details are profiled on APIs.io as Pave Bank Authentication.

Is the Pave Bank API ready for AI agents?

Pave Bank has a Kin Score of 38.5 out of 100 (thin) and an Agent Readiness score of 25.9 (agent-aware), scored by API Evangelist on 2026-11-06.

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