# Relay

**Canonical:** https://apis.io/providers/relay-financial/  
**Website:** https://relayfi.com/  
**APIs profiled:** 0

Relay is an online business banking and cash-flow management platform for small and medium-sized businesses, offering up to 20-50 checking accounts, virtual and physical Visa debit/credit cards, accounts payable and bill pay, and one-way data integrations with accounting and payroll tools such as QuickBooks Online, Xero, and Gusto. Banking services are provided by Thread Bank, Member FDIC. Relay does not publish a public developer API; the surfaces below are product features and inbound integrations rather than developer-facing APIs.

## Kin Score — 14.0 / 100 (emerging)

Scored 2026-08-25 under rubric 0.14.0. Trend: flat (+0.0 from 14.0).

| Facet | Score |
|---|---|
| Discoverability | 50.0 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 21.1 |
| Developer Ergonomics | 9.5 |
| Commercial Clarity | 39.5 |
| Access Clarity | 39.5 |

Regulatory layer — **Banking & Open Finance**: 7.6 (matched via tags).

## Agent readiness — 2.5 (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 | documented |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |
| Delegated Identity | no |
| Protected Resource Metadata | no |
| Dynamic Client Registration | no |
| Agentic Commerce | no |

## Access

Paid — onboarding: unknown, pricing: paid, trial: no (confidence: medium).

## Security (1)

- **Relay Financial Domain Security** — TLSv1.3 · HSTS · DMARC

## Plans (1)

- **Relay Financial Plans Pricing**

## Tags

Business Banking, Fintech, SMB, Cash Flow, Bill Pay

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