Pluggy

Pluggy is a Brazilian Open Finance infrastructure company (pluggy.ai) offering APIs to connect bank data, collect payments and move money across Brazilian financial institutions. Its platform aggregates accounts, transactions, investments, credit card bills and identity data through direct and regulated Open Finance connectors, with the Pluggy Connect drop-in widget, a sandbox environment, a developer dashboard and an MCP server for developer tooling.

Pluggy publishes 24 API contracts indexed on the APIs.io network, including Enrichment API, Status API, Account API, and 21 more. Tagged areas include Company, Open Finance, Banking, Financial Data, and Payments.

The Pluggy catalog on APIs.io includes 1 event-driven AsyncAPI specification, 1 JSON-LD context, and 1 Spectral governance ruleset.

Pluggy’s developer surface includes changelog, sandbox, authentication, documentation, API reference, getting-started guide, support, and 42 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

72.4/100 exemplar Agent 56/100 agent ready Full breakdown ↓
scored 2026-10-31 · rubric v0.25.0 · Show this score on your site →

5 published contracts 1 MCP Servers 5 Agent Skills

Company Open Finance Banking Financial Data Payments Brazil Fintech

What this lets a business do 4

Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →

Personal Finance & Consumer Money

AE-190

AccountInvestmentItemsLoanTransaction

GET /accounts GET /accounts/{id} GET /accounts/{id}/statements GET /accounts/{id}/balance

Consumer Commerce

AE-140

Payment IntentPayment Request

POST /payments/intents POST /payments/requests POST /payments/requests/pix-qr

Developer Platform & API Ecosystem Management

BC-4270

Webhook

POST /webhooks

SaaS Trust & Service Compliance Management

BC-4290

Status

Kin Score

Kin Score How this is scored →
scored 2026-10-31 · rubric v0.25.0

Composite quality — 72.4/100 · exemplar

Contract Quality 16.2 / 21

Developer Ergonomics 11.6 / 17

Access Clarity 13.9 / 17

Operational Transparency 9.6 / 11

Contract Governance 2.2 / 10

Discoverability 6.0 / 9

Regulatory Posture 5.6 / 15

Agent readiness — 56/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 0 / 6

MCP Server 12 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 7 / 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

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 6 / 6

Protected Resource Metadata 5 / 5

Registration Without a Human 6 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

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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Agent readiness — checks not met, largest first (exact, from this profile):

Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Documented Reversibility +6 pts — a reversal operation in the contract, graded up when a window is documented too
Agentic Commerce Well-Known Document +5 pts — a parsing /.well-known/ucp.json or acp.json declaring a version and at least one service — `self` when its endpoints are on the provider's own domain, `platform` when they are on a vendor's
Dry-Run / Simulate Mode +4 pts — OpenAPI: destructive operations expose a dry_run / simulate / preview / validate_only parameter
Well-Known Catalog +4 pts — common[].type includes WellKnown, APICatalog, or api-catalog

1 more unmet check in the Agent Readiness table above.

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

Contract Governance scores 22.0 — up to +9.4 composite points
Developer Ergonomics scores 68.5 — up to +6.3 composite points
Contract Quality scores 76.0 — up to +6.0 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/pluggy/apis.yml: open an issue on github.com/api-evangelist/pluggy 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
Agent Skills (SKILL.md packages)	regulated	52.3	-	1
OpenID Certified Implementations (OIDC, FAPI, OpenID4VC)	regulated	52.3	-	1
Brazil BCB Authorized Institutions (Banco Central do Brasil register beyond Pix)	regulated	52.3	-	1
Official SDKs on Packagist, pub.dev and Hex	regulated	52.3	-	1

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 24

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

Pluggy Enrichment API

Pluggy Enrichment API -- transaction categorization, behavior analysis, and recurring-payments detection.

Pluggy Status API

Read the health of every Pluggy connector, product and infrastructure component plus open and past incidents (the data behind status.pluggy.ai); no authentication required.

Pluggy Account API

Bank account information and management

Pluggy Auth API

Authentication endpoints for API key generation and connect tokens

Pluggy Automatic PIX API

Automatic PIX payment scheduling and management

Pluggy Bill API

Credit card bill information

Pluggy Boleto Management API

Boleto payment management

Pluggy Category API

Transaction categorization and rules

Pluggy Connector API

Financial institution connector management

Pluggy Consent API

User consent management for data access

Pluggy Identity API

User identity verification and data

Pluggy Investment API

Investment portfolio and asset management

Pluggy Items API

Item management for syncing financial data

Pluggy Loan API

Loan information and management

Pluggy Merchant API

Merchant and company information by CNPJ

Pluggy Payment Customer API

Payment customer management

Pluggy Payment Intent API

Payment intent processing

Pluggy Payment Recipient API

Payment recipient management

Pluggy Payment Request API

Payment request creation and management

Pluggy Payment Schedule API

Payment scheduling operations

Pluggy SCR API

Bacen's credit information system, consulted through a connected Open Finance item

Pluggy Smart Transfer API

Smart transfer functionality

Pluggy Transaction API

Financial transaction data and operations

Pluggy Webhook API

Webhook configuration and management

Scroll for all 24

MCP Servers 1

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

Pluggy MCP Server

Remote MCP server at mcp.pluggy.ai over streamable HTTP requiring OAuth; 34 tools listed.

MCP SERVER

Agent Skills 5

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

pluggy-check-connector-health

AGENT SKILL

pluggy-connect-and-sync-an-item

AGENT SKILL

pluggy-enrich-transactions

AGENT SKILL

pluggy-initiate-a-pix-payment

AGENT SKILL

pluggy-read-open-finance-data

AGENT SKILL

Pricing Plans 1

Published pricing tiers and plan structures.

Pluggy Plans Pricing

2 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Pluggy Rate Limits

24 limits

RATE LIMITS

Event Specifications 1

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

Pluggy Webhooks

ASYNCAPI

Semantic Vocabularies 1

JSON-LD contexts and semantic vocabularies used across these APIs.

Pluggy Context

120 classes · 462 properties

JSON-LD

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Pluggy API Rules

17 rules · 9 errors 5 warnings 3 info

SPECTRAL

OpenAPI Overlays 3

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.

Pluggy Api Overlay

5 actions · security · pluggy-api-openapi.yml

GENERATED

Pluggy Enrichment Api Overlay

1 action · update · pluggy-enrichment-api-openapi.yml

GENERATED

Pluggy Status Api Overlay

3 actions · security · pluggy-status-api-openapi.yml

GENERATED

JSON Schema 9

Standalone JSON Schema definitions for this provider's data models.

ConnectorIncidents

2 properties

JSON SCHEMA

IdentityResponse

30 properties

JSON SCHEMA

Investment

44 properties

JSON SCHEMA

Item

18 properties

JSON SCHEMA

Loan

27 properties

JSON SCHEMA

PaymentRequest

19 properties

JSON SCHEMA

StatusSnapshot

6 properties

JSON SCHEMA

StatusSummary

4 properties

JSON SCHEMA

Transaction

23 properties

JSON SCHEMA

Scroll for all 9

Security Posture 3

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

Pluggy Authentication

2 schemes

SECURITY

Pluggy Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Pluggy Trust Center

SOC 2, ISO 27001

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Pluggy Scopes

OAuth 2.0 · no documented scopes

0 scopes

SCOPES

Agentic Access 1

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

Pluggy Agentic Access

94 operations · 42 acting · 1 human-in-the-loop

94 operations · 42 acting

AGENTIC

Resources

Get Started 4

Portal, sign-up, and the first successful call

Sandbox

Sandbox

GettingStarted

GettingStarted

Sandbox

Sandbox

Login

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 5

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgentSkill

LLMsTxt

MCPServer

WellKnown

Design & Contract 10

Pagination, idempotency, versioning, errors, and events

Spectral

JSONLD

Vocabulary

Webhooks

DataModel

Components

Conventions

Lifecycle

ErrorCatalog

Conformance

Scroll for all 10

Build 5

SDKs, sample code, and the tooling you integrate with

ToolCrosswalk

SDKs

Packages

Postman

GitHubOrganization

GitHubOrganization

Access & Security 6

Authentication, authorization, and security posture

SecurityTxt

SecurityTxt

Compliance

Authentication

TrustCenter

DomainSecurity

Operate 5

Status, limits, changes, and where to get help

RateLimits

ChangeLog

Support

ChangeLog

StatusPage

Commercial 5

Pricing, plans, and the legal terms of use

Plans

Pricing

TermsOfService

PrivacyPolicy

Legal

Company 3

The organization behind the API

Website

Website

Blog

Blog

LinkedIn

Other 4

Properties that don't map to a standard resource type

CapabilityMap

Overlay

Hosts

Vendors

Source (apis.yml)

aid: pluggy
name: Pluggy
description: Pluggy is a Brazilian Open Finance infrastructure company (pluggy.ai) offering APIs to connect bank data, collect
  payments and move money across Brazilian financial institutions. Its platform aggregates accounts, transactions, investments,
  credit card bills and identity data through direct and regulated Open Finance connectors, with the Pluggy Connect drop-in
  widget, a sandbox environment, a developer dashboard and an MCP server for developer tooling.
url: https://raw.githubusercontent.com/api-evangelist/pluggy/refs/heads/main/apis.yml
x-type: company
x-source: harvest:kin-score-markets
x-tier: profiled
x-tier-reason: enrichment pass 2026-10-18 (modular-v1; was harvest)
specificationVersion: '0.20'
created: '2026-10-18'
modified: '2026-10-18'
tags:
- Company
- Open Finance
- Banking
- Financial Data
- Payments
- Brazil
- Fintech
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
image: https://www.pluggy.ai/opengraph-image
common:
- type: CapabilityMap
  url: capabilities/pluggy-capability-edges.yml
  name: Pluggy Business Capability Map
- type: SecurityTxt
  url: well-known/pluggy-mcp-security.txt
- type: SecurityTxt
  url: well-known/pluggy-docs-security.txt
- type: AgenticAccess
  url: agentic-access/pluggy-agentic-access.yml
- type: RateLimits
  url: rate-limits/pluggy-rate-limits.yml
- type: Plans
  url: plans/pluggy-plans-pricing.yml
- type: Spectral
  url: rules/pluggy-rules.yml
- type: JSONLD
  url: json-ld/pluggy-context.jsonld
- type: Vocabulary
  url: vocabulary/pluggy-vocabulary.yml
- type: AgentSkill
  url: skills/_index.yml
- type: Webhooks
  url: asyncapi/pluggy-webhooks.yml
- type: DataModel
  url: data-model/pluggy-data-model.yml
- type: Components
  url: components/pluggy-components.yml
- type: ChangeLog
  url: changelog/pluggy-changelog.yml
- type: Conventions
  url: conventions/pluggy-conventions.yml
- type: Sandbox
  url: sandbox/pluggy-sandbox.yml
- type: Compliance
  url: https://www.pluggy.ai/legal
- type: Authentication
  url: authentication/pluggy-authentication.yml
- type: Lifecycle
  url: lifecycle/pluggy-lifecycle.yml
- type: ErrorCatalog
  url: errors/pluggy-problem-types.yml
- type: Conformance
  url: conformance/pluggy-conformance.yml
- type: Overlay
  url: overlays/pluggy-api-overlay.yaml
- type: LLMsTxt
  url: llms/pluggy-llms.txt
- type: ToolCrosswalk
  url: mcp/pluggy-tool-crosswalk.yml
- type: MCPServer
  url: mcp/pluggy-mcp.yml
- type: WellKnown
  url: well-known/pluggy-well-known.yml
- type: Hosts
  url: hosts/pluggy-hosts.yml
- type: Vendors
  url: vendors/pluggy-vendors.yml
- type: SDKs
  url: packages/pluggy-packages.yml
- type: Packages
  url: packages/pluggy-packages.yml
- type: Website
  url: https://www.pluggy.ai
- type: TrustCenter
  url: security/pluggy-trust-center.yml
- type: DomainSecurity
  url: security/pluggy-domain-security.yml
- type: Documentation
  url: https://docs.pluggy.ai/en
- type: APIReference
  url: https://docs.pluggy.ai/en/reference
- type: GettingStarted
  url: https://docs.pluggy.ai/en/docs/quickstart
- type: Support
  url: https://docs.pluggy.ai/en/docs/get-started/contact
- type: Blog
  url: https://www.pluggy.ai/blog
- type: ChangeLog
  url: https://docs.pluggy.ai/en/changelog
- type: Pricing
  url: https://www.pluggy.ai/en/pricing
- type: Postman
  url: https://docs.pluggy.ai/en/docs/developer-tools/postman
- type: Sandbox
  url: https://sandbox.pluggy.ai/
- type: StatusPage
  url: https://status.pluggy.ai/
- type: GitHubOrganization
  url: https://github.com/pluggyai
- type: Login
  url: https://dashboard.pluggy.ai/auth/login
- type: TermsOfService
  url: https://www.pluggy.ai/docs/termos-e-condicoes-de-uso.pdf
- type: PrivacyPolicy
  url: https://www.pluggy.ai/docs/politica-de-privacidade.pdf
- type: Legal
  url: https://www.pluggy.ai/legal
- type: LinkedIn
  url: https://www.linkedin.com/company/pluggyai
apis:
- aid: pluggy:enrichment-api
  name: Pluggy Enrichment API
  description: Pluggy Enrichment API -- transaction categorization, behavior analysis, and recurring-payments detection.
  humanURL: https://docs.pluggy.ai/en/reference
  baseURL: https://enrichment-api.pluggy.ai
  tags:
  - Data Enrichment
  - Transaction
  tags_raw:
  - Enrichment
  - Transactions
  properties:
  - type: OpenAPI
    url: openapi/pluggy-enrichment-api-openapi.yml
  - type: OpenAPI
    name: OpenAPI (provider-hosted)
    url: https://docs.pluggy.ai/openapi/enrichment-api.json
- aid: pluggy:status-api
  name: Pluggy Status API
  description: Read the health of every Pluggy connector, product and infrastructure component plus open and past incidents
    (the data behind status.pluggy.ai); no authentication required.
  humanURL: https://docs.pluggy.ai/en/docs/developer-tools/status-page-api
  baseURL: https://status.pluggy.ai
  tags:
  - Status
  properties:
  - type: OpenAPI
    url: openapi/pluggy-status-api-openapi.yml
  - type: OpenAPI
    name: OpenAPI (provider-hosted)
    url: https://docs.pluggy.ai/openapi/status-api.json
  - type: JSONSchema
    url: json-schema/pluggy-status-snapshot-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-status-summary-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-connector-incidents-schema.json
- aid: pluggy:pluggy-account-api
  name: Pluggy Account API
  description: Bank account information and management
  humanURL: https://docs.pluggy.ai/en/reference
  baseURL: https://api.pluggy.ai
  tags:
  - Account
  properties:
  - type: OpenAPI
    url: openapi/pluggy-account-api-openapi.yml
  - type: Documentation
    url: https://docs.pluggy.ai/en
  - type: JSONSchema
    url: json-schema/pluggy-identity-response-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-investment-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-loan-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-transaction-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-item-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-payment-request-schema.json
- aid: pluggy:pluggy-auth-api
  name: Pluggy Auth API
  description: Authentication endpoints for API key generation and connect tokens
  humanURL: https://docs.pluggy.ai/en/reference
  baseURL: https://api.pluggy.ai
  tags:
  - Auth
  properties:
  - type: OpenAPI
    url: openapi/pluggy-auth-api-openapi.yml
  - type: Documentation
    url: https://docs.pluggy.ai/en
  - type: JSONSchema
    url: json-schema/pluggy-identity-response-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-investment-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-loan-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-transaction-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-item-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-payment-request-schema.json
- aid: pluggy:pluggy-automatic-pix-api
  name: Pluggy Automatic PIX API
  description: Automatic PIX payment scheduling and management
  humanURL: https://docs.pluggy.ai/en/reference
  baseURL: https://api.pluggy.ai
  tags:
  - Automatic PIX
  properties:
  - type: OpenAPI
    url: openapi/pluggy-automatic-pix-api-openapi.yml
  - type: Documentation
    url: https://docs.pluggy.ai/en
  - type: JSONSchema
    url: json-schema/pluggy-identity-response-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-investment-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-loan-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-transaction-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-item-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-payment-request-schema.json
- aid: pluggy:pluggy-bill-api
  name: Pluggy Bill API
  description: Credit card bill information
  humanURL: https://docs.pluggy.ai/en/reference
  baseURL: https://api.pluggy.ai
  tags:
  - Bill
  properties:
  - type: OpenAPI
    url: openapi/pluggy-bill-api-openapi.yml
  - type: Documentation
    url: https://docs.pluggy.ai/en
  - type: JSONSchema
    url: json-schema/pluggy-identity-response-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-investment-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-loan-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-transaction-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-item-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-payment-request-schema.json
- aid: pluggy:pluggy-boleto-management-api
  name: Pluggy Boleto Management API
  description: Boleto payment management
  humanURL: https://docs.pluggy.ai/en/reference
  baseURL: https://api.pluggy.ai
  tags:
  - Boleto Management
  properties:
  - type: OpenAPI
    url: openapi/pluggy-boleto-management-api-openapi.yml
  - type: Documentation
    url: https://docs.pluggy.ai/en
  - type: JSONSchema
    url: json-schema/pluggy-identity-response-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-investment-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-loan-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-transaction-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-item-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-payment-request-schema.json
- aid: pluggy:pluggy-category-api
  name: Pluggy Category API
  description: Transaction categorization and rules
  humanURL: https://docs.pluggy.ai/en/reference
  baseURL: https://api.pluggy.ai
  tags:
  - Category
  properties:
  - type: OpenAPI
    url: openapi/pluggy-category-api-openapi.yml
  - type: Documentation
    url: https://docs.pluggy.ai/en
  - type: JSONSchema
    url: json-schema/pluggy-identity-response-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-investment-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-loan-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-transaction-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-item-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-payment-request-schema.json
- aid: pluggy:pluggy-connector-api
  name: Pluggy Connector API
  description: Financial institution connector management
  humanURL: https://docs.pluggy.ai/en/reference
  baseURL: https://api.pluggy.ai
  tags:
  - Connector
  properties:
  - type: OpenAPI
    url: openapi/pluggy-connector-api-openapi.yml
  - type: Documentation
    url: https://docs.pluggy.ai/en
  - type: JSONSchema
    url: json-schema/pluggy-identity-response-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-investment-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-loan-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-transaction-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-item-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-payment-request-schema.json
- aid: pluggy:pluggy-consent-api
  name: Pluggy Consent API
  description: User consent management for data access
  humanURL: https://docs.pluggy.ai/en/reference
  baseURL: https://api.pluggy.ai
  tags:
  - Consent
  properties:
  - type: OpenAPI
    url: openapi/pluggy-consent-api-openapi.yml
  - type: Documentation
    url: https://docs.pluggy.ai/en
  - type: JSONSchema
    url: json-schema/pluggy-identity-response-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-investment-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-loan-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-transaction-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-item-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-payment-request-schema.json
- aid: pluggy:pluggy-identity-api
  name: Pluggy Identity API
  description: User identity verification and data
  humanURL: https://docs.pluggy.ai/en/reference
  baseURL: https://api.pluggy.ai
  tags:
  - Identity
  properties:
  - type: OpenAPI
    url: openapi/pluggy-identity-api-openapi.yml
  - type: Documentation
    url: https://docs.pluggy.ai/en
  - type: JSONSchema
    url: json-schema/pluggy-identity-response-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-investment-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-loan-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-transaction-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-item-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-payment-request-schema.json
- aid: pluggy:pluggy-investment-api
  name: Pluggy Investment API
  description: Investment portfolio and asset management
  humanURL: https://docs.pluggy.ai/en/reference
  baseURL: https://api.pluggy.ai
  tags:
  - Investment
  properties:
  - type: OpenAPI
    url: openapi/pluggy-investment-api-openapi.yml
  - type: Documentation
    url: https://docs.pluggy.ai/en
  - type: JSONSchema
    url: json-schema/pluggy-identity-response-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-investment-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-loan-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-transaction-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-item-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-payment-request-schema.json
- aid: pluggy:pluggy-items-api
  name: Pluggy Items API
  description: Item management for syncing financial data
  humanURL: https://docs.pluggy.ai/en/reference
  baseURL: https://api.pluggy.ai
  tags:
  - Items
  properties:
  - type: OpenAPI
    url: openapi/pluggy-items-api-openapi.yml
  - type: Documentation
    url: https://docs.pluggy.ai/en
  - type: JSONSchema
    url: json-schema/pluggy-identity-response-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-investment-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-loan-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-transaction-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-item-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-payment-request-schema.json
- aid: pluggy:pluggy-loan-api
  name: Pluggy Loan API
  description: Loan information and management
  humanURL: https://docs.pluggy.ai/en/reference
  baseURL: https://api.pluggy.ai
  tags:
  - Loan
  properties:
  - type: OpenAPI
    url: openapi/pluggy-loan-api-openapi.yml
  - type: Documentation
    url: https://docs.pluggy.ai/en
  - type: JSONSchema
    url: json-schema/pluggy-identity-response-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-investment-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-loan-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-transaction-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-item-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-payment-request-schema.json
- aid: pluggy:pluggy-merchant-api
  name: Pluggy Merchant API
  description: Merchant and company information by CNPJ
  humanURL: https://docs.pluggy.ai/en/reference
  baseURL: https://api.pluggy.ai
  tags:
  - Merchant
  properties:
  - type: OpenAPI
    url: openapi/pluggy-merchant-api-openapi.yml
  - type: Documentation
    url: https://docs.pluggy.ai/en
  - type: JSONSchema
    url: json-schema/pluggy-identity-response-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-investment-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-loan-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-transaction-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-item-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-payment-request-schema.json
- aid: pluggy:pluggy-payment-customer-api
  name: Pluggy Payment Customer API
  description: Payment customer management
  humanURL: https://docs.pluggy.ai/en/reference
  baseURL: https://api.pluggy.ai
  tags:
  - Payment Customer
  properties:
  - type: OpenAPI
    url: openapi/pluggy-payment-customer-api-openapi.yml
  - type: Documentation
    url: https://docs.pluggy.ai/en
  - type: JSONSchema
    url: json-schema/pluggy-identity-response-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-investment-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-loan-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-transaction-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-item-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-payment-request-schema.json
- aid: pluggy:pluggy-payment-intent-api
  name: Pluggy Payment Intent API
  description: Payment intent processing
  humanURL: https://docs.pluggy.ai/en/reference
  baseURL: https://api.pluggy.ai
  tags:
  - Payment Intent
  properties:
  - type: OpenAPI
    url: openapi/pluggy-payment-intent-api-openapi.yml
  - type: Documentation
    url: https://docs.pluggy.ai/en
  - type: JSONSchema
    url: json-schema/pluggy-identity-response-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-investment-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-loan-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-transaction-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-item-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-payment-request-schema.json
- aid: pluggy:pluggy-payment-recipient-api
  name: Pluggy Payment Recipient API
  description: Payment recipient management
  humanURL: https://docs.pluggy.ai/en/reference
  baseURL: https://api.pluggy.ai
  tags:
  - Payment Recipient
  properties:
  - type: OpenAPI
    url: openapi/pluggy-payment-recipient-api-openapi.yml
  - type: Documentation
    url: https://docs.pluggy.ai/en
  - type: JSONSchema
    url: json-schema/pluggy-identity-response-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-investment-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-loan-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-transaction-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-item-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-payment-request-schema.json
- aid: pluggy:pluggy-payment-request-api
  name: Pluggy Payment Request API
  description: Payment request creation and management
  humanURL: https://docs.pluggy.ai/en/reference
  baseURL: https://api.pluggy.ai
  tags:
  - Payment Request
  properties:
  - type: OpenAPI
    url: openapi/pluggy-payment-request-api-openapi.yml
  - type: Documentation
    url: https://docs.pluggy.ai/en
  - type: JSONSchema
    url: json-schema/pluggy-identity-response-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-investment-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-loan-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-transaction-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-item-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-payment-request-schema.json
- aid: pluggy:pluggy-payment-schedule-api
  name: Pluggy Payment Schedule API
  description: Payment scheduling operations
  humanURL: https://docs.pluggy.ai/en/reference
  baseURL: https://api.pluggy.ai
  tags:
  - Payment Schedule
  properties:
  - type: OpenAPI
    url: openapi/pluggy-payment-schedule-api-openapi.yml
  - type: Documentation
    url: https://docs.pluggy.ai/en
  - type: JSONSchema
    url: json-schema/pluggy-identity-response-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-investment-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-loan-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-transaction-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-item-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-payment-request-schema.json
- aid: pluggy:pluggy-scr-api
  name: Pluggy SCR API
  description: Bacen's credit information system, consulted through a connected Open Finance item
  humanURL: https://docs.pluggy.ai/en/reference
  baseURL: https://api.pluggy.ai
  tags:
  - SCR
  properties:
  - type: OpenAPI
    url: openapi/pluggy-scr-api-openapi.yml
  - type: Documentation
    url: https://docs.pluggy.ai/en
  - type: JSONSchema
    url: json-schema/pluggy-identity-response-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-investment-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-loan-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-transaction-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-item-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-payment-request-schema.json
- aid: pluggy:pluggy-smart-transfer-api
  name: Pluggy Smart Transfer API
  description: Smart transfer functionality
  humanURL: https://docs.pluggy.ai/en/reference
  baseURL: https://api.pluggy.ai
  tags:
  - Smart Transfer
  properties:
  - type: OpenAPI
    url: openapi/pluggy-smart-transfer-api-openapi.yml
  - type: Documentation
    url: https://docs.pluggy.ai/en
  - type: JSONSchema
    url: json-schema/pluggy-identity-response-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-investment-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-loan-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-transaction-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-item-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-payment-request-schema.json
- aid: pluggy:pluggy-transaction-api
  name: Pluggy Transaction API
  description: Financial transaction data and operations
  humanURL: https://docs.pluggy.ai/en/reference
  baseURL: https://api.pluggy.ai
  tags:
  - Transaction
  properties:
  - type: OpenAPI
    url: openapi/pluggy-transaction-api-openapi.yml
  - type: Documentation
    url: https://docs.pluggy.ai/en
  - type: JSONSchema
    url: json-schema/pluggy-identity-response-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-investment-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-loan-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-transaction-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-item-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-payment-request-schema.json
- aid: pluggy:pluggy-webhook-api
  name: Pluggy Webhook API
  description: Webhook configuration and management
  humanURL: https://docs.pluggy.ai/en/reference
  baseURL: https://api.pluggy.ai
  tags:
  - Webhook
  properties:
  - type: OpenAPI
    url: openapi/pluggy-webhook-api-openapi.yml
  - type: Documentation
    url: https://docs.pluggy.ai/en
  - type: JSONSchema
    url: json-schema/pluggy-identity-response-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-investment-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-loan-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-transaction-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-item-schema.json
  - type: JSONSchema
    url: json-schema/pluggy-payment-request-schema.json
x-coverage:
  state: covered
  reason: identity-verified
  detail: Homepage title "Pluggy · Infraestrutura de Open Finance para o Brasil"; pointers from dossier site_links and homepage/legal/docs
    links, each fetched.
  evidence:
  - url: https://www.pluggy.ai/en
    status: 200
  - url: https://www.pluggy.ai/legal
    status: 200
  - url: https://github.com/pluggyai
    status: 200
  - url: https://dashboard.pluggy.ai
    status: 307
  - url: https://www.pluggy.ai/docs/termos-e-condicoes-de-uso.pdf
    status: 200
  - url: https://www.pluggy.ai/docs/politica-de-privacidade.pdf
    status: 200
  - url: https://docs.pluggy.ai/en/docs/get-started/contact
    status: 200
  - url: https://www.pluggy.ai/opengraph-image
    status: 200
x-enrichment:
  date: '2026-10-18'
  status: enriched
  artifacts_added: 69
  pass: modular-v1
  engine: identity=anthropic,contract=anthropic,surfaces=anthropic,docs=deepseek,regulatory=anthropic

Pluggy API — frequently asked questions

Does Pluggy have an API?

Yes. APIs.io lists 24 APIs from Pluggy, including Pluggy Enrichment API, Pluggy Status API and Pluggy Account API, and 21 more.

Is there an OpenAPI specification for the Pluggy API?

Yes. APIs.io indexes 24 OpenAPI specifications for Pluggy, each linked for download from this page.

How do I authenticate with the Pluggy API?

Pluggy documents its authentication (2 schemes). The details are profiled on APIs.io as Pluggy Authentication.

How much does the Pluggy API cost?

APIs.io lists 2 pricing plans for Pluggy, with each plan's price, limits and inclusions under Pricing Plans on this page.

Does Pluggy have an MCP server?

Yes. APIs.io lists 1 MCP server for Pluggy: Remote MCP server at mcp.pluggy.ai over streamable HTTP requiring OAuth; 34 tools listed.

Is the Pluggy API ready for AI agents?

Pluggy has a Kin Score of 72.4 out of 100 (exemplar) and an Agent Readiness score of 56.2 (agent-ready), scored by API Evangelist on 2026-10-31.

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