SoFi Technologies
SoFi Technologies, Inc. (NASDAQ: SOFI) is a US member-centric digital financial services company and federally chartered bank holding company. Alongside its consumer banking, lending and investing business it operates SoFi Tech Solutions - the B2B financial technology platform formed from its acquisitions of Galileo Financial Technologies and Technisys, and rebranded under the SoFi name in 2026. SoFi Tech Solutions is the API business: a card issuer-processor and banking-as-a-service platform whose public developer hub at docs.tech.sofi.com publishes eleven OpenAPI definitions covering 258 operations - the 167-operation Program API for accounts, cards, authorizations, ACH and bill pay, plus Payment Hub, Dispute, Loan, Risk and Public Config APIs and three client-hosted webhook contracts. The platform declares ISO 20022, ISO 8583, Nacha ACH, EMV and 3-D Secure in its own contracts, and discovery runs through a real RFC 9727 api-catalog linkset.
SoFi Technologies publishes 36 API contracts indexed on the APIs.io network, including Account Events Webhook API, Account-Level Controls API, Accounts and Cards API, and 33 more. Tagged areas include Fintech, Payments, Banking, Card Issuing, and Banking as a Service.
The SoFi Technologies catalog on APIs.io includes 1 event-driven AsyncAPI specification and 1 Spectral governance ruleset.
SoFi Technologies’ developer surface includes pricing, authentication, changelog, sandbox, documentation, API reference, getting-started guide, and 47 more developer resources.
What this lets a business do 1
Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →
Kin Score
Markets this provider is in provisional
The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.
| Market | Position | Depth | Registered MCP server | Declares compatibility |
|---|---|---|---|---|
| Open Banking | regulated | 19.2 (thin) | - | - |
| Biometrics Testing (biometric recognition vendors, identity verification depth) | regulated | 19.2 (thin) | - | - |
| Consumer Lending Licensing (UK, US, Canada credit licence registers) | regulated | 19.2 (thin) | - | - |
| US Banks and Credit Unions (FDIC BankFind + NCUA insured credit unions) | regulated | 19.2 (thin) | - | - |
Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.
Standards implemented 4
Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.
APIs 36
Individual APIs this provider publishes, each with its own machine-readable definition.
SoFi Technologies Account Events Webhook API
The Account Events Webhook API from SoFi Technologies — 1 operation(s) for account events webhook.
SoFi Technologies Account-Level Controls API
The Account-Level Controls API from SoFi Technologies — 9 operation(s) for account-level controls.
SoFi Technologies Accounts and Cards API
The Accounts and Cards API from SoFi Technologies — 47 operation(s) for accounts and cards.
SoFi Technologies ACH Debit Webhook API
The ACH Debit Webhook API from SoFi Technologies — 1 operation(s) for ach debit webhook.
SoFi Technologies Alerts API
The Alerts API from SoFi Technologies — 7 operation(s) for alerts.
SoFi Technologies Attachments API
The Attachments API from SoFi Technologies — 1 operation(s) for attachments.
SoFi Technologies Auth API Webhook API
The Auth API Webhook API from SoFi Technologies — 2 operation(s) for auth api webhook.
SoFi Technologies Authorization Events Webhook API
The Authorization Events Webhook API from SoFi Technologies — 1 operation(s) for authorization events webhook.
SoFi Technologies Billpay Webhook API
The Billpay Webhook API from SoFi Technologies — 1 operation(s) for billpay webhook.
SoFi Technologies Claim API
The Claim API from SoFi Technologies — 4 operation(s) for claim.
SoFi Technologies Configuration API
The Configuration API from SoFi Technologies — 1 operation(s) for configuration.
SoFi Technologies Corporate Credit and RTF API
The Corporate Credit and RTF API from SoFi Technologies — 8 operation(s) for corporate credit and rtf.
SoFi Technologies Corporate Hierarchy API
The Corporate Hierarchy API from SoFi Technologies — 9 operation(s) for corporate hierarchy.
SoFi Technologies Credit API
The Credit API from SoFi Technologies — 8 operation(s) for credit.
SoFi Technologies Dispute Management API
The Dispute Management API from SoFi Technologies — 7 operation(s) for dispute management.
SoFi Technologies Disputed Transactions API
The Disputed Transactions API from SoFi Technologies — 1 operation(s) for disputed transactions.
SoFi Technologies Documents API
The Documents API from SoFi Technologies — 2 operation(s) for documents.
SoFi Technologies External Account Links API
The External Account Links API from SoFi Technologies — 7 operation(s) for external account links.
SoFi Technologies Federal Benefit Enrollment API
The Federal Benefit Enrollment API from SoFi Technologies — 4 operation(s) for federal benefit enrollment.
SoFi Technologies Instant Issue API
The Instant Issue API from SoFi Technologies — 7 operation(s) for instant issue.
SoFi Technologies Intake API
The Intake API from SoFi Technologies — 17 operation(s) for intake.
SoFi Technologies Intake Flow API
The Intake Flow API from SoFi Technologies — 15 operation(s) for intake flow.
SoFi Technologies IVR API
The IVR API from SoFi Technologies — 3 operation(s) for ivr.
SoFi Technologies IVS API
The IVS API from SoFi Technologies — 6 operation(s) for ivs.
SoFi Technologies Loan API
Loan management endpoints.
SoFi Technologies Location Management API
The Location Management API from SoFi Technologies — 5 operation(s) for location management.
SoFi Technologies Miscellaneous API
The Miscellaneous API from SoFi Technologies — 5 operation(s) for miscellaneous.
SoFi Technologies Overdraft API
The Overdraft API from SoFi Technologies — 3 operation(s) for overdraft.
SoFi Technologies Risk API
The Risk API from SoFi Technologies — 3 operation(s) for risk.
SoFi Technologies Settlement Events Webhook API
The Settlement Events Webhook API from SoFi Technologies — 1 operation(s) for settlement events webhook.
SoFi Technologies Status API
The Status API from SoFi Technologies — 1 operation(s) for status.
SoFi Technologies Tasks API
The Tasks API from SoFi Technologies — 4 operation(s) for tasks.
SoFi Technologies Transaction Events Webhook API
The Transaction Events Webhook API from SoFi Technologies — 1 operation(s) for transaction events webhook.
SoFi Technologies Transaction Simulation API
The Transaction Simulation API from SoFi Technologies — 6 operation(s) for transaction simulation.
SoFi Technologies Transactions API
The Transactions API from SoFi Technologies — 46 operation(s) for transactions.
SoFi Technologies Transfers API
The Transfers API from SoFi Technologies — 4 operation(s) for transfers.
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MCP Servers 1
Model Context Protocol servers that expose these APIs to AI agents.
SoFi Tech Solutions Documentation MCP
A remote Model Context Protocol endpoint is live on the SoFi Tech Solutions developer hub at https://docs.tech.sofi.com/mcp. It answers a JSON-RPC POST with a well-formed MCP er...
MCP SERVERAgent Skills 3
Packaged agent skills for driving this provider's APIs from an AI assistant.
sofi-technologies-ach-money-movement
AGENT SKILLsofi-technologies-file-dispute-claim
AGENT SKILLsofi-technologies-open-card-account
AGENT SKILLSoFi Technologies API pricing
Rate limits
- Sandbox request ceiling: 1000 requests
- Request payload ceiling: 16 MB bytes
- Search Accounts result ceiling: 400 records
Pricing Plans 1
Published pricing tiers and plan structures.
Rate Limits 1
Documented rate limits and quota policies.
SoFi Technologies Rate Limits
RATE LIMITSTerms of Service 1
What its API terms permit and prohibit, quoted from its own page.
Eligibility 1
Who may sign up and where, quoted from its own terms.
SoFi Technologies
4 quoted statements, read from SoFi Technologies's own page on 2026-11-10.
ELIGIBILITYAI Preferences 1
Its stance on AI training, inference and agents, quoted from its own pages.
Data License 1
How its data and outputs may be reused, quoted from its own terms.
FinOps 1
Cost, billing, and metering signals for API financial operations.
SoFi Technologies Finops
FINOPSEvent Specifications 1
AsyncAPI definitions for this provider's event-driven and streaming APIs.
Sofi Technologies Webhooks
ASYNCAPISpectral Rules 1
Spectral governance rulesets for linting and validating these APIs. Counts are the severity each rule declares, not results of running them.
SoFi Technologies API Rules
SPECTRALOpenAPI Overlays 1
Overlays applied on top of this provider's contracts. Each card says who wrote it: a document the provider publishes, or one API Evangelist derived or generated.
SoFi Technologies Program Api Overlay
GENERATEDSecurity Posture 3
Authentication, domain security, vulnerability disclosure, and trust-center signals.
Agentic Access (API Evangelist recommendations) 1
Recommended x-agentic-access execution contracts for AI agents.
Resources
Get Started 4
Portal, sign-up, and the first successful call
Documentation 3
Reference material describing how the API behaves
Agent Surfaces 8
MCP servers, agent skills, and machine-readable catalogs
Scroll for all 8
Design & Contract 9
Pagination, idempotency, versioning, errors, and events
Scroll for all 9
Build 2
SDKs, sample code, and the tooling you integrate with
Access & Security 4
Authentication, authorization, and security posture
Operate 5
Status, limits, changes, and where to get help
Commercial 7
Pricing, plans, and the legal terms of use
Scroll for all 7
Company 6
The organization behind the API
Other 6
Properties that don't map to a standard resource type
Source (apis.yml)
SoFi Technologies API — frequently asked questions
Does SoFi Technologies have an API?
Yes. APIs.io lists 36 APIs from SoFi Technologies, including SoFi Technologies Account Events Webhook API, SoFi Technologies Account-Level Controls API and SoFi Technologies Accounts and Cards API, and 33 more.
Is there an OpenAPI specification for the SoFi Technologies API?
Yes. APIs.io indexes 36 OpenAPI specifications for SoFi Technologies, each linked for download from this page.
How do I authenticate with the SoFi Technologies API?
SoFi Technologies uses bearer-token authentication (body-parameter/http-bearer/apiKey · 3 schemes). The details are profiled on APIs.io as SoFi Technologies Authentication.
Does SoFi Technologies have an MCP server?
Yes. APIs.io lists 1 MCP server for SoFi Technologies: A remote Model Context Protocol endpoint is live on the SoFi Tech Solutions developer hub at https://docs.tech.sofi.com/mcp. It answers a JSON-RPC POST with a well-formed MCP error envelope ({"jsonrpc
Is the SoFi Technologies API ready for AI agents?
SoFi Technologies has a Kin Score of 62.8 out of 100 (strong) and an Agent Readiness score of 53.6 (agent-native), scored by API Evangelist on 2026-11-13.
Work with this as data
Every provider here is available over the APIs.io API and to AI agents over MCP.