# Sila

**Canonical:** https://apis.io/providers/sila-money/  
**Website:** https://www.silamoney.com/  
**APIs profiled:** 6

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.

## Kin Score — 33.2 / 100 (thin)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 33.2).

| Facet | Score |
|---|---|
| Discoverability | 74.1 |
| Contract Quality | 57.3 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 34.2 |
| Developer Ergonomics | 16.7 |
| Commercial Clarity | 28.9 |
| Access Clarity | 28.9 |

Regulatory layer — **Payments**: 18.8 (matched via tags).

## Agent readiness — 31.1 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | documented |
| MCP Server | no |
| Auth Clarity | yes |
| 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 |

## Access

Freemium · Requires approval — onboarding: approval, pricing: freemium, trial: no (confidence: high).

## APIs (6)

- **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.

## Agentic access (1)

- **Sila Money Agentic Access** — 19 operations · 19 acting

## Security (2)

- **Sila Money Authentication** — signature · 3 schemes
- **Sila Money Domain Security** — HSTS · DMARC

## Plans (1)

- **Sila Money Plans Pricing**

## Tags

Embedded Finance, Banking as a Service, Payments, Digital Wallet, ACH, KYC, KYB, Money Transfer, Fintech, Banking API, Virtual Accounts

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