# Prism Data

**Canonical:** https://apis.io/providers/prism-data/  
**Website:** https://prismdata.com  
**APIs profiled:** 0

Prism Data is a cash flow underwriting infrastructure and analytics platform that helps lenders expand approvals and lower losses by turning raw bank transaction data into decisioning signals. Its products include CashScore (a cash-flow-based credit score), transaction Categories, Income verification, and Insights, delivered through an API and the Pulse dashboard for credit underwriting across the United States and Canada. Developer API documentation is published at docs.prismdata.com behind a developer login.

## Kin Score — 15.4 / 100 (emerging)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 15.4).

| Facet | Score |
|---|---|
| Discoverability | 50.0 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 13.2 |
| Developer Ergonomics | 11.9 |
| Commercial Clarity | 36.8 |
| Access Clarity | 36.8 |

Regulatory layer — **Banking & Open Finance**: 24.1 (matched via tags).

## Agent readiness — 0.0 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## Security (2)

- **Prism Data Domain Security** — TLSv1.3 · DMARC
- **Prism Data Trust Center** — SOC 2

## Tags

Company, Financial-Services, Fintech, Cash Flow Underwriting, Credit, Bank Transaction Data, Lending, Analytics, Open Banking

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