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

33.2/100 thin ▬ flat Agent 31/100 agent aware Full breakdown ↓
scored 2026-08-20 · rubric v0.12.0

AccessFreemiumApproval

6 APIs

Embedded FinanceBanking as a ServicePaymentsDigital WalletACHKYCKYBMoney TransferFintechBanking APIVirtual Accounts

Kin Score

Kin Score How this is scored →
scored 2026-08-20 · rubric v0.12.0

Composite quality — 33.2/100 · thin

Contract Quality 12.2 / 21

Developer Ergonomics 2.8 / 17

Access Clarity 4.9 / 17

Operational Transparency 3.8 / 11

Contract Governance 0.0 / 10

Discoverability 6.3 / 9

Regulatory Posture 2.8 / 15

Agent readiness — 31/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 6 / 6

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

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Regulatory Posture applies to this provider. Its tags matched the Payments 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.

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/.

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.

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.

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

Source (apis.yml)

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: '0.23'
apis:
- aid: sila-money:sila-money-virtual-accounts-api
  name: Sila Virtual Accounts API
  tags:
  - Virtual Accounts
  - Account Numbers
  - Real-Time Payments
  tags_raw:
  - 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:
  - Account
  tags_raw:
  - 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

Sila

Kin Score

APIs 6

Sila Virtual Accounts API

Sila Accounts API

Sila Identity API

Sila Payment Methods API

Sila Payments API

Sila Wallets API

Open Collections 7

API Collection

Sila Money Accounts API

Sila Money Accounts Identity API

Sila Money Accounts Payment Methods API

Sila Money Accounts Payments API

Sila Money Accounts Wallets API

Sila Money API

Pricing Plans 1

Sila Money Plans Pricing

Rate Limits 1

Sila Money Rate Limits

FinOps 1

Sila Money Finops

Security Posture 2

Sila Money Authentication

Sila Money Domain Security

Agentic Access 1

Sila Money Agentic Access

Resources