Sila

Sila is an embedded-finance / banking-as-a-service platform that exposes a money API for fintech developers. A single REST API covers identity verification (KYC/KYB), digital wallets, linked bank accounts, virtual accounts, debit-card payment methods, and money movement over the ACH network via an issue / transfer / redeem model. Every request is signed client-side with ECDSA (secp256k1) signatures over a Keccak-256 hash of the JSON message body, sent in "authsignature" and "usersignature" (and "businesssignature" for KYB) headers. As of the review date (2026-07-12) the sandbox and production hosts, the ReadMe-hosted docs, and multiple SDKs are live and actively maintained.

Sila publishes 5 APIs on the APIs.io network, including Accounts API, Identity API, Payment Methods API, and 2 more. Tagged areas include Embedded Finance, Banking as a Service, Payments, Digital Wallet, and ACH.

Sila’s developer surface includes authentication, documentation, and 8 more developer resources.

🌐 Visit website 📡 Source on GitHub
37.1/100 thin ▬ flat Agent 48/100 agent ready Full breakdown ↓
scored 2026-07-27 · rubric v0.5
AccessFreemiumApproval
6 APIs
Embedded FinanceBanking as a ServicePaymentsDigital WalletACHKYCKYBMoney TransferFintechBanking APIVirtual Accounts

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 37.1/100 · thin
Contract Quality 14.6 / 25
Developer Ergonomics 3.9 / 20
Commercial Clarity 5.8 / 20
Operational Transparency 4.8 / 13
Governance 0.0 / 12
Discoverability 10.0 / 10
Agent readiness — 48/100 · agent ready
Machine-Readable Contract 18 / 18
Agentic Access Contract 15 / 15
MCP Server 0 / 12
Machine-Readable Auth 10 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 7 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/sila-money: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 6

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

Sila Virtual Accounts API

Sila's Virtual Accounts product issues each user a dedicated account and routing number, giving a program a real bank-account surface for receiving and settling funds. Virtual a...

Sila Accounts API

Linked external bank accounts used as funding sources.

Sila Identity API

Handle reservation, registration, and KYC / KYB verification.

Sila Payment Methods API

Enumerated payment instruments and debit-card linking.

Sila Payments API

Money movement via issue / transfer / redeem over ACH.

Sila Wallets API

ECDSA keypair (wallet) registration and management.

Open Collections 1

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

Sila Money API

OPEN COLLECTION

Pricing Plans 1

Published pricing tiers and plan structures.

Sila Money Plans Pricing

2 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Sila Money Rate Limits

3 limits

RATE LIMITS

FinOps 1

Cost, billing, and metering signals for API financial operations.

Sila Money Finops

FINOPS

Security Posture 2

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

Sila Money Authentication

signature · 3 schemes

SECURITY

Sila Money Domain Security

HSTS · DMARC

SECURITY

Agentic Access 1

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

Sila Money Agentic Access

19 operations · 19 acting

19 operations · 19 acting

AGENTIC

Resources

Documentation 1

Reference material describing how the API behaves

Documentation
Documentation

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess
AgenticAccess

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization
GitHubOrganization

Access & Security 2

Authentication, authorization, and security posture

DomainSecurity
DomainSecurity
 Authentication
Authentication

Operate 1

Status, limits, changes, and where to get help

RateLimits
RateLimits

Commercial 2

Pricing, plans, and the legal terms of use

Plans
Plans
 FinOps
FinOps

Company 2

The organization behind the API

Website
Website
 LinkedIn
LinkedIn

Source (apis.yml)

apis.yml Raw ↑ 
aid: sila-money
url: https://raw.githubusercontent.com/api-evangelist/sila-money/refs/heads/main/apis.yml
name: Sila
kind: company
description: Sila is an embedded-finance / banking-as-a-service platform that exposes a money API for fintech developers.
  A single REST API covers identity verification (KYC/KYB), digital wallets, linked bank accounts, virtual accounts, debit-card
  payment methods, and money movement over the ACH network via an issue / transfer / redeem model. Every request is signed
  client-side with ECDSA (secp256k1) signatures over a Keccak-256 hash of the JSON message body, sent in "authsignature" and
  "usersignature" (and "businesssignature" for KYB) headers. As of the review date (2026-07-12) the sandbox and production
  hosts, the ReadMe-hosted docs, and multiple SDKs are live and actively maintained.
accessModel:
  pricing: freemium
  onboarding: approval
  trial: false
  try_now: false
  public: false
  label: Freemium · Requires approval
  confidence: high
  source:
  - plans
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/sila-money.png
tags:
- Embedded Finance
- Banking as a Service
- Payments
- Digital Wallet
- ACH
- KYC
- KYB
- Money Transfer
- Fintech
- Banking API
- Virtual Accounts
created: '2026-07-12'
modified: '2026-07-12'
specificationVersion: '0.19'
apis:
- aid: sila-money:sila-money-virtual-accounts-api
  name: Sila Virtual Accounts API
  tags:
  - Virtual Accounts
  - Account Numbers
  - Real Time Payments
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.silamoney.com/virtual-accounts
  baseURL: https://api.silamoney.com/0.2
  properties:
  - url: https://www.silamoney.com/virtual-accounts
    type: Documentation
  - url: https://docs.silamoney.com/docs/get_payment_methods
    type: APIReference
  description: Sila's Virtual Accounts product issues each user a dedicated account and routing number, giving a program a
    real bank-account surface for receiving and settling funds. Virtual accounts appear as a payment-method type in the get_payment_methods
    response. The dedicated virtual-account management endpoint names are not published on the pages reviewed and are therefore
    not modeled in the OpenAPI; see review.yml.
- aid: sila-money:sila-money-accounts-api
  name: Sila Accounts API
  description: Linked external bank accounts used as funding sources.
  humanURL: https://docs.silamoney.com/docs/get-started
  baseURL: https://api.silamoney.com/0.2
  tags:
  - Accounts
  properties:
  - type: OpenAPI
    url: openapi/sila-money-accounts-api-openapi.yml
  - type: Documentation
    url: https://docs.silamoney.com/docs/get-started
  - type: APIReference
    url: https://docs.silamoney.com/docs/register
  - type: PostmanCollection
    url: collections/sila-money.postman_collection.json
  - type: OpenCollection
    url: collections/sila-money.opencollection.json
  - type: Documentation
    url: https://docs.silamoney.com/docs/get_wallet
  - type: Documentation
    url: https://docs.silamoney.com/docs/link_account
  - type: APIReference
    url: https://docs.silamoney.com/docs/get_accounts
  - type: Documentation
    url: https://docs.silamoney.com/docs/issue_sila
  - type: APIReference
    url: https://docs.silamoney.com/docs/transfer_sila
  - type: Documentation
    url: https://docs.silamoney.com/docs/get_payment_methods
  - type: APIReference
    url: https://docs.silamoney.com/docs/link_card
- aid: sila-money:sila-money-identity-api
  name: Sila Identity API
  description: Handle reservation, registration, and KYC / KYB verification.
  humanURL: https://docs.silamoney.com/docs/get-started
  baseURL: https://api.silamoney.com/0.2
  tags:
  - Identity
  properties:
  - type: OpenAPI
    url: openapi/sila-money-identity-api-openapi.yml
  - type: Documentation
    url: https://docs.silamoney.com/docs/get-started
  - type: APIReference
    url: https://docs.silamoney.com/docs/register
  - type: PostmanCollection
    url: collections/sila-money.postman_collection.json
  - type: OpenCollection
    url: collections/sila-money.opencollection.json
  - type: Documentation
    url: https://docs.silamoney.com/docs/get_wallet
  - type: Documentation
    url: https://docs.silamoney.com/docs/link_account
  - type: APIReference
    url: https://docs.silamoney.com/docs/get_accounts
  - type: Documentation
    url: https://docs.silamoney.com/docs/issue_sila
  - type: APIReference
    url: https://docs.silamoney.com/docs/transfer_sila
  - type: Documentation
    url: https://docs.silamoney.com/docs/get_payment_methods
  - type: APIReference
    url: https://docs.silamoney.com/docs/link_card
- aid: sila-money:sila-money-payment-methods-api
  name: Sila Payment Methods API
  description: Enumerated payment instruments and debit-card linking.
  humanURL: https://docs.silamoney.com/docs/get-started
  baseURL: https://api.silamoney.com/0.2
  tags:
  - Payment Methods
  properties:
  - type: OpenAPI
    url: openapi/sila-money-payment-methods-api-openapi.yml
  - type: Documentation
    url: https://docs.silamoney.com/docs/get-started
  - type: APIReference
    url: https://docs.silamoney.com/docs/register
  - type: PostmanCollection
    url: collections/sila-money.postman_collection.json
  - type: OpenCollection
    url: collections/sila-money.opencollection.json
  - type: Documentation
    url: https://docs.silamoney.com/docs/get_wallet
  - type: Documentation
    url: https://docs.silamoney.com/docs/link_account
  - type: APIReference
    url: https://docs.silamoney.com/docs/get_accounts
  - type: Documentation
    url: https://docs.silamoney.com/docs/issue_sila
  - type: APIReference
    url: https://docs.silamoney.com/docs/transfer_sila
  - type: Documentation
    url: https://docs.silamoney.com/docs/get_payment_methods
  - type: APIReference
    url: https://docs.silamoney.com/docs/link_card
- aid: sila-money:sila-money-payments-api
  name: Sila Payments API
  description: Money movement via issue / transfer / redeem over ACH.
  humanURL: https://docs.silamoney.com/docs/get-started
  baseURL: https://api.silamoney.com/0.2
  tags:
  - Payments
  properties:
  - type: OpenAPI
    url: openapi/sila-money-payments-api-openapi.yml
  - type: Documentation
    url: https://docs.silamoney.com/docs/get-started
  - type: APIReference
    url: https://docs.silamoney.com/docs/register
  - type: PostmanCollection
    url: collections/sila-money.postman_collection.json
  - type: OpenCollection
    url: collections/sila-money.opencollection.json
  - type: Documentation
    url: https://docs.silamoney.com/docs/get_wallet
  - type: Documentation
    url: https://docs.silamoney.com/docs/link_account
  - type: APIReference
    url: https://docs.silamoney.com/docs/get_accounts
  - type: Documentation
    url: https://docs.silamoney.com/docs/issue_sila
  - type: APIReference
    url: https://docs.silamoney.com/docs/transfer_sila
  - type: Documentation
    url: https://docs.silamoney.com/docs/get_payment_methods
  - type: APIReference
    url: https://docs.silamoney.com/docs/link_card
- aid: sila-money:sila-money-wallets-api
  name: Sila Wallets API
  description: ECDSA keypair (wallet) registration and management.
  humanURL: https://docs.silamoney.com/docs/get-started
  baseURL: https://api.silamoney.com/0.2
  tags:
  - Wallets
  properties:
  - type: OpenAPI
    url: openapi/sila-money-wallets-api-openapi.yml
  - type: Documentation
    url: https://docs.silamoney.com/docs/get-started
  - type: APIReference
    url: https://docs.silamoney.com/docs/register
  - type: PostmanCollection
    url: collections/sila-money.postman_collection.json
  - type: OpenCollection
    url: collections/sila-money.opencollection.json
  - type: Documentation
    url: https://docs.silamoney.com/docs/get_wallet
  - type: Documentation
    url: https://docs.silamoney.com/docs/link_account
  - type: APIReference
    url: https://docs.silamoney.com/docs/get_accounts
  - type: Documentation
    url: https://docs.silamoney.com/docs/issue_sila
  - type: APIReference
    url: https://docs.silamoney.com/docs/transfer_sila
  - type: Documentation
    url: https://docs.silamoney.com/docs/get_payment_methods
  - type: APIReference
    url: https://docs.silamoney.com/docs/link_card
common:
- type: AgenticAccess
  url: agentic-access/sila-money-agentic-access.yml
- type: DomainSecurity
  url: security/sila-money-domain-security.yml
- type: Authentication
  url: authentication/sila-money-authentication.yml
- type: Website
  url: https://www.silamoney.com/
- type: Documentation
  url: https://docs.silamoney.com/docs/get-started
- type: GitHubOrganization
  url: https://github.com/sila-Money
- type: LinkedIn
  url: https://www.linkedin.com/company/silamoney
- type: Plans
  url: plans/sila-money-plans-pricing.yml
- type: RateLimits
  url: rate-limits/sila-money-rate-limits.yml
- type: FinOps
  url: finops/sila-money-finops.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com