# Pluggy

**Canonical:** https://apis.io/providers/pluggy/  
**Website:** https://www.pluggy.ai  
**APIs profiled:** 5

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.

## Kin Score — 72.4 / 100 (exemplar)

Scored 2026-10-31 under rubric 0.25.0.

| Facet | Score |
|---|---|
| Discoverability | 70.0 |
| Contract Quality | 76.0 |
| Contract Governance | 22.0 |
| Operational Transparency | 86.8 |
| Developer Ergonomics | 68.5 |
| Access Clarity | 81.6 |

Regulatory layer — **Banking & Open Finance**: 37.0 (matched via tags).

## Agent readiness — 56.2 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | no |
| MCP Server | documented |
| Auth Clarity | served |
| Idempotency | no |
| Error Semantics | verified |
| OpenAPI Examples | verified |
| 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 |
| Delegated Identity | served |
| Protected Resource Metadata | verified |
| Dynamic Client Registration | yes |
| Agentic Commerce | no |
| Pagination Ratio | partial |
| Operation Distinctiveness | distinct |

## APIs (24)

- **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

## MCP servers (1)

- **Pluggy MCP Server** — Remote MCP server at mcp.pluggy.ai over streamable HTTP requiring OAuth; 34 tools listed.

## Agentic access (1)

- **Pluggy Agentic Access** — 94 operations · 42 acting · 1 human-in-the-loop

## Security (3)

- **Pluggy Authentication** — 2 schemes
- **Pluggy Domain Security** — TLSv1.3 · HSTS · DMARC
- **Pluggy Trust Center** — SOC 2, ISO 27001

## Plans (1)

- **Pluggy Plans Pricing**

## Tags

Company, Open Finance, Banking, Financial Data, Payments, Brazil, Fintech

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