Spare

Spare is a MENA-region open banking and open finance platform, licensed by the Central Bank of Bahrain as an Account Information Service Provider and Payment Initiation Service Provider (AISP/PISP) and permitted to test under the Saudi Central Bank (SAMA) regulatory sandbox. Spare exposes RESTful Account Information Services (AIS) — account details, balances, transactions, statements, beneficiaries, parties, direct debits, plus risk and affordability reports — and Payment Initiation Services (PIS) for domestic single, future-dated and standing-order payments, across separate Bahrain, KSA and UAE tenants hosted in-region for data-residency compliance. Developers authenticate with OAuth2 client credentials to obtain signed JWT bearer tokens, drive a customer to connection to consent to data flow, verify token and webhook signatures against a published JWKS, and integrate via official TypeScript, Java, .NET and PHP SDKs plus Postman collections.

Spare publishes 17 API contracts indexed on the APIs.io network, including Account API, AccountInformationReport API, Balance API, and 14 more. Tagged areas include Open Banking, Open Finance, Account Information, Payment Initiation, and AISP.

The Spare catalog on APIs.io includes 1 event-driven AsyncAPI specification and 1 Spectral governance ruleset.

Spare’s developer surface includes authentication, documentation, API reference, getting-started guide, support, engineering blog, signup flow, and 28 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

53.6/100 developing ▬ flat Agent 28/100 agent aware Front door AI 1/6 silent Heartbeat 57/100 alive saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

7 published contracts 3 Agent Skills

Open Banking Open Finance Account Information Payment Initiation AISP PISP Consent Bank Data Transaction Balances Payments Fintech MENA Saudi Arabia Bahrain United Arab Emirates

What this lets a business do 4

Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →

Personal Finance & Consumer Money

AE-190

AccountBalanceDirect DebitStatementTransaction

Payments & Card Management

BC-1340

Payment

POST /api/v1.0/pis/Payment/List GET /api/v1.0/pis/Payment/Get

Credit & Lending Management

BC-1320

RiskReport

GET /api/v1.0/ais/RiskReport/Create

Banking Customer Management

BC-1300

Customer

POST /api/v1.0/ais/Customer/Create PATCH /api/v1.0/ais/Customer/Update

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 53.6/100 · developing

Contract Quality 10.0 / 19

Developer Ergonomics 11.7 / 15

Access Clarity 6.5 / 15

Operational Transparency 1.0 / 10

Contract Governance 1.6 / 9

Discoverability 5.9 / 8

Regulatory Posture 5.6 / 15

Create-or-Update Ergonomics 2.8 / 10

Agent readiness — 28/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 6 / 6

Agent Skills 5 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 0 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Banking & Open Finance 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.

Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Rate-Limit Signaling +7 pts — OpenAPI responses document X-RateLimit-* / RateLimit headers (verified), else a rate_limits artifact or RateLimits link (documented)
Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document

8 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Contract Quality scores 53.2 — up to +11.7 composite points
Operational Transparency scores 10.5 — up to +11.6 composite points
Access Clarity scores 43.4 — up to +11.3 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/spare/apis.yml: open an issue on github.com/api-evangelist/spare to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

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
Gulf and Southeast Asia Open Finance	distribution	28.8	-	1
Southeast Asia and National Fintech Registers (Taiwan, UAE, Malaysia remittance, Indonesia SNAP)	distribution	28.8	-	1
EU/EEA Payment and E-Money Institutions (PSD2 passports)	distribution	28.8	-	1
Official SDKs on Packagist, pub.dev and Hex	distribution	28.8	-	1

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 2

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.

OpenAPI

measured — observed by APIs.io (published)

OAuth 2.0

measured — observed by APIs.io (declared)

APIs 17

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

Spare Account API

The Account API from Spare — 4 operation(s) for account.

Spare AccountInformationReport API

The AccountInformationReport API from Spare — 5 operation(s) for accountinformationreport.

Spare Balance API

The Balance API from Spare — 3 operation(s) for balance.

Spare Beneficiary API

The Beneficiary API from Spare — 1 operation(s) for beneficiary.

Spare Cert API

The Cert API from Spare — 1 operation(s) for cert.

Spare Connection API

The Connection API from Spare — 4 operation(s) for connection.

Spare Consent API

The Consent API from Spare — 9 operation(s) for consent.

Spare Customer API

The Customer API from Spare — 5 operation(s) for customer.

Spare Parties API

The Parties API from Spare — 1 operation(s) for parties.

Spare Payment API

The Payment API from Spare — 2 operation(s) for payment.

Spare Provider API

The Provider API from Spare — 2 operation(s) for provider.

Spare Request API

The Request API from Spare — 11 operation(s) for request.

Spare RiskReport API

The RiskReport API from Spare — 6 operation(s) for riskreport.

Spare Statement API

The Statement API from Spare — 1 operation(s) for statement.

Spare Token API

The Token API from Spare — 2 operation(s) for token.

Spare Transaction API

The Transaction API from Spare — 5 operation(s) for transaction.

Spare Direct Debit API

The Direct Debit API from Spare — 1 operation(s) for direct debit.

Scroll for all 17

Open Collections 17

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

Information Account API

OPEN COLLECTION

Information Account AccountInformationReport API

OPEN COLLECTION

Information Account Balance API

OPEN COLLECTION

Information Account Beneficiary API

OPEN COLLECTION

Information Account Cert API

OPEN COLLECTION

Information Account Connection API

OPEN COLLECTION

Information Account Consent API

OPEN COLLECTION

Information Account Customer API

OPEN COLLECTION

Information Account DirectDebit API

OPEN COLLECTION

Information Account Parties API

OPEN COLLECTION

Information Account Payment API

OPEN COLLECTION

Information Account Provider API

OPEN COLLECTION

Information Account Request API

OPEN COLLECTION

Information Account RiskReport API

OPEN COLLECTION

Information Account Statement API

OPEN COLLECTION

Information Account Token API

OPEN COLLECTION

Information Account Transaction API

OPEN COLLECTION

Scroll for all 17

Agent Skills 3

Packaged agent skills for driving this provider's APIs from an AI assistant.

Access a customer's bank account data (AIS)

AGENT SKILL

Initiate a domestic payment (PIS)

AGENT SKILL

Verify a KSA bank account (Account Verification)

AGENT SKILL

Event Specifications 1

AsyncAPI definitions for this provider's event-driven and streaming APIs.

Spare Webhooks

ASYNCAPI

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Spare API Rules

59 rules · 47 errors 6 warnings 6 info

SPECTRAL

OpenAPI Overlays 7

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.

Spare Bahrain Ais Overlay

2 actions · update · spare-bahrain-ais-openapi-original.json

DERIVED

Spare Bahrain Authentication Overlay

2 actions · update · spare-bahrain-authentication-openapi-original.json

DERIVED

Spare Bahrain Pis Overlay

2 actions · update · spare-bahrain-pis-openapi-original.json

DERIVED

Spare Ksa Ais Overlay

2 actions · update · spare-ksa-ais-openapi-original.json

DERIVED

Spare Ksa Ais V2 Overlay

2 actions · update · spare-ksa-ais-v2-openapi-original.json

DERIVED

Spare Ksa Authentication Overlay

2 actions · update · spare-ksa-authentication-openapi-original.json

DERIVED

Spare Ksa Pis Overlay

2 actions · update · spare-ksa-pis-openapi-original.json

DERIVED

Scroll for all 7

Security Posture 3

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

Spare Authentication

oauth2/apiKey · 1 scheme

SECURITY

Spare Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Spare Trust Center

SOC 2, ISO 27001

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Spare Scopes

OAuth 2.0 · no documented scopes

0 scopes

SCOPES

Agentic Access 1

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

Spare Agentic Access

63 operations · 18 acting · 1 human-in-the-loop

63 operations · 18 acting

AGENTIC

Resources

Get Started 5

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

GettingStarted

GettingStarted

SignUp

SignUp

Login

Sandbox

Sandbox

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgenticAccess

LLMsTxt

LLMsTxt

X-MCPServerCandidate

X-MCPServerCandidate

AgentSkill

AgentSkill

Design & Contract 6

Pagination, idempotency, versioning, errors, and events

Conventions

ErrorCatalog

Lifecycle

Conformance

DataModel

Webhooks

Build 5

SDKs, sample code, and the tooling you integrate with

PostmanWorkspace

PostmanWorkspace

GitHubOrganization

Postman

Packages

SDKs

Access & Security 5

Authentication, authorization, and security posture

TrustCenter

DomainSecurity

Authentication

OAuthScopes

Compliance

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 3

The organization behind the API

BlogRSS

BlogRSS

Website

Website

Blog

Blog

Other 2

Properties that don't map to a standard resource type

CapabilityMap

CapabilityMap

Overlay

Overlay

Source (apis.yml)

aid: spare
name: Spare
description: Spare is a MENA-region open banking and open finance platform, licensed by the Central Bank of Bahrain as an
  Account Information Service Provider and Payment Initiation Service Provider (AISP/PISP) and permitted to test under the
  Saudi Central Bank (SAMA) regulatory sandbox. Spare exposes RESTful Account Information Services (AIS) — account details,
  balances, transactions, statements, beneficiaries, parties, direct debits, plus risk and affordability reports — and Payment
  Initiation Services (PIS) for domestic single, future-dated and standing-order payments, across separate Bahrain, KSA and
  UAE tenants hosted in-region for data-residency compliance. Developers authenticate with OAuth2 client credentials to obtain
  signed JWT bearer tokens, drive a customer to connection to consent to data flow, verify token and webhook signatures against
  a published JWKS, and integrate via official TypeScript, Java, .NET and PHP SDKs plus Postman collections.
url: https://raw.githubusercontent.com/api-evangelist/spare/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- 500-global
x-tier: stub
x-tier-reason: portfolio-lead
x-enrichment:
  date: '2026-07-21'
  status: enriched
  artifacts_added: 36
  pass: local-v1
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - authentication
  - scopes
  - security
  - sandbox
  generated: '2026-11-06'
  method: derived
image: https://files.readme.io/91c2031-small-Spare-logo-white3x.png
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-10-06'
tags:
- Open Banking
- Open Finance
- Account Information
- Payment Initiation
- AISP
- PISP
- Consent
- Bank Data
- Transaction
- Balances
- Payments
- Fintech
- MENA
- Saudi Arabia
- Bahrain
- United Arab Emirates
tags_raw:
- Open Banking
- Open Finance
- Account Information
- Payment Initiation
- AISP
- PISP
- Consent
- Bank Data
- Transactions
- Balances
- Payments
- Fintech
- MENA
- Saudi Arabia
- Bahrain
- UAE
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
apis:
- aid: spare:spare-account-api
  name: Spare Account API
  description: The Account API from Spare — 4 operation(s) for account.
  humanURL: https://docs.tryspare.com/reference/get_api-v1-0-authentication-token
  baseURL: https://ob.tryspare.com/api/v1.0/authentication
  tags:
  - Account
  properties:
  - type: OpenAPI
    url: openapi/spare-account-api-openapi.yml
  - type: Documentation
    url: https://docs.tryspare.com/docs/auth-flow
  - type: APIReference
    url: https://docs.tryspare.com/reference/get_api-v1-0-authentication-token
  - type: Documentation
    url: https://docs.tryspare.com/docs/data-api-basics
  - type: APIReference
    url: https://docs.tryspare.com/reference/get_api-v1-0-ais-account-list-1
  - type: Documentation
    url: https://docs.tryspare.com/docs/payments-api-basics
  - type: APIReference
    url: https://docs.tryspare.com/reference/create-business-domestic-payment
  - type: Documentation
    url: https://docs.tryspare.com/docs/ksa-coverage
- aid: spare:spare-accountinformationreport-api
  name: Spare AccountInformationReport API
  description: The AccountInformationReport API from Spare — 5 operation(s) for accountinformationreport.
  humanURL: https://docs.tryspare.com/reference/get_api-v1-0-authentication-token
  baseURL: https://ob.tryspare.com/api/v1.0/authentication
  tags:
  - AccountInformationReport
  properties:
  - type: OpenAPI
    url: openapi/spare-accountinformationreport-api-openapi.yml
  - type: Documentation
    url: https://docs.tryspare.com/docs/auth-flow
  - type: APIReference
    url: https://docs.tryspare.com/reference/get_api-v1-0-authentication-token
  - type: Documentation
    url: https://docs.tryspare.com/docs/data-api-basics
  - type: APIReference
    url: https://docs.tryspare.com/reference/get_api-v1-0-ais-account-list-1
  - type: Documentation
    url: https://docs.tryspare.com/docs/payments-api-basics
  - type: APIReference
    url: https://docs.tryspare.com/reference/create-business-domestic-payment
  - type: Documentation
    url: https://docs.tryspare.com/docs/ksa-coverage
- aid: spare:spare-balance-api
  name: Spare Balance API
  description: The Balance API from Spare — 3 operation(s) for balance.
  humanURL: https://docs.tryspare.com/reference/get_api-v1-0-authentication-token
  baseURL: https://ob.tryspare.com/api/v1.0/authentication
  tags:
  - Balances
  tags_raw:
  - Balance
  properties:
  - type: OpenAPI
    url: openapi/spare-balance-api-openapi.yml
  - type: Documentation
    url: https://docs.tryspare.com/docs/auth-flow
  - type: APIReference
    url: https://docs.tryspare.com/reference/get_api-v1-0-authentication-token
  - type: Documentation
    url: https://docs.tryspare.com/docs/data-api-basics
  - type: APIReference
    url: https://docs.tryspare.com/reference/get_api-v1-0-ais-account-list-1
  - type: Documentation
    url: https://docs.tryspare.com/docs/payments-api-basics
  - type: APIReference
    url: https://docs.tryspare.com/reference/create-business-domestic-payment
  - type: Documentation
    url: https://docs.tryspare.com/docs/ksa-coverage
- aid: spare:spare-beneficiary-api
  name: Spare Beneficiary API
  description: The Beneficiary API from Spare — 1 operation(s) for beneficiary.
  humanURL: https://docs.tryspare.com/reference/get_api-v1-0-authentication-token
  baseURL: https://ob.tryspare.com/api/v1.0/authentication
  tags:
  - Beneficiary
  properties:
  - type: OpenAPI
    url: openapi/spare-beneficiary-api-openapi.yml
  - type: Documentation
    url: https://docs.tryspare.com/docs/auth-flow
  - type: APIReference
    url: https://docs.tryspare.com/reference/get_api-v1-0-authentication-token
  - type: Documentation
    url: https://docs.tryspare.com/docs/data-api-basics
  - type: APIReference
    url: https://docs.tryspare.com/reference/get_api-v1-0-ais-account-list-1
  - type: Documentation
    url: https://docs.tryspare.com/docs/payments-api-basics
  - type: APIReference
    url: https://docs.tryspare.com/reference/create-business-domestic-payment
  - type: Documentation
    url: https://docs.tryspare.com/docs/ksa-coverage
- aid: spare:spare-cert-api
  name: Spare Cert API
  description: The Cert API from Spare — 1 operation(s) for cert.
  humanURL: https://docs.tryspare.com/reference/get_api-v1-0-authentication-token
  baseURL: https://ob.tryspare.com/api/v1.0/authentication
  tags:
  - Cert
  properties:
  - type: OpenAPI
    url: openapi/spare-cert-api-openapi.yml
  - type: Documentation
    url: https://docs.tryspare.com/docs/auth-flow
  - type: APIReference
    url: https://docs.tryspare.com/reference/get_api-v1-0-authentication-token
  - type: Documentation
    url: https://docs.tryspare.com/docs/data-api-basics
  - type: APIReference
    url: https://docs.tryspare.com/reference/get_api-v1-0-ais-account-list-1
  - type: Documentation
    url: https://docs.tryspare.com/docs/payments-api-basics
  - type: APIReference
    url: https://docs.tryspare.com/reference/create-business-domestic-payment
  - type: Documentation
    url: https://docs.tryspare.com/docs/ksa-coverage
- aid: spare:spare-connection-api
  name: Spare Connection API
  description: The Connection API from Spare — 4 operation(s) for connection.
  humanURL: https://docs.tryspare.com/reference/get_api-v1-0-authentication-token
  baseURL: https://ob.tryspare.com/api/v1.0/authentication
  tags:
  - Connection
  properties:
  - type: OpenAPI
    url: openapi/spare-connection-api-openapi.yml
  - type: Documentation
    url: https://docs.tryspare.com/docs/auth-flow
  - type: APIReference
    url: https://docs.tryspare.com/reference/get_api-v1-0-authentication-token
  - type: Documentation
    url: https://docs.tryspare.com/docs/data-api-basics
  - type: APIReference
    url: https://docs.tryspare.com/reference/get_api-v1-0-ais-account-list-1
  - type: Documentation
    url: https://docs.tryspare.com/docs/payments-api-basics
  - type: APIReference
    url: https://docs.tryspare.com/reference/create-business-domestic-payment
  - type: Documentation
    url: https://docs.tryspare.com/docs/ksa-coverage
- aid: spare:spare-consent-api
  name: Spare Consent API
  description: The Consent API from Spare — 9 operation(s) for consent.
  humanURL: https://docs.tryspare.com/reference/get_api-v1-0-authentication-token
  baseURL: https://ob.tryspare.com/api/v1.0/authentication
  tags:
  - Consent
  properties:
  - type: OpenAPI
    url: openapi/spare-consent-api-openapi.yml
  - type: Documentation
    url: https://docs.tryspare.com/docs/auth-flow
  - type: APIReference
    url: https://docs.tryspare.com/reference/get_api-v1-0-authentication-token
  - type: Documentation
    url: https://docs.tryspare.com/docs/data-api-basics
  - type: APIReference
    url: https://docs.tryspare.com/reference/get_api-v1-0-ais-account-list-1
  - type: Documentation
    url: https://docs.tryspare.com/docs/payments-api-basics
  - type: APIReference
    url: https://docs.tryspare.com/reference/create-business-domestic-payment
  - type: Documentation
    url: https://docs.tryspare.com/docs/ksa-coverage
- aid: spare:spare-customer-api
  name: Spare Customer API
  description: The Customer API from Spare — 5 operation(s) for customer.
  humanURL: https://docs.tryspare.com/reference/get_api-v1-0-authentication-token
  baseURL: https://ob.tryspare.com/api/v1.0/authentication
  tags:
  - Customers
  tags_raw:
  - Customer
  properties:
  - type: OpenAPI
    url: openapi/spare-customer-api-openapi.yml
  - type: Documentation
    url: https://docs.tryspare.com/docs/auth-flow
  - type: APIReference
    url: https://docs.tryspare.com/reference/get_api-v1-0-authentication-token
  - type: Documentation
    url: https://docs.tryspare.com/docs/data-api-basics
  - type: APIReference
    url: https://docs.tryspare.com/reference/get_api-v1-0-ais-account-list-1
  - type: Documentation
    url: https://docs.tryspare.com/docs/payments-api-basics
  - type: APIReference
    url: https://docs.tryspare.com/reference/create-business-domestic-payment
  - type: Documentation
    url: https://docs.tryspare.com/docs/ksa-coverage
- aid: spare:spare-parties-api
  name: Spare Parties API
  description: The Parties API from Spare — 1 operation(s) for parties.
  humanURL: https://docs.tryspare.com/reference/get_api-v1-0-authentication-token
  baseURL: https://ob.tryspare.com/api/v1.0/authentication
  tags:
  - Parties
  properties:
  - type: OpenAPI
    url: openapi/spare-parties-api-openapi.yml
  - type: Documentation
    url: https://docs.tryspare.com/docs/auth-flow
  - type: APIReference
    url: https://docs.tryspare.com/reference/get_api-v1-0-authentication-token
  - type: Documentation
    url: https://docs.tryspare.com/docs/data-api-basics
  - type: APIReference
    url: https://docs.tryspare.com/reference/get_api-v1-0-ais-account-list-1
  - type: Documentation
    url: https://docs.tryspare.com/docs/payments-api-basics
  - type: APIReference
    url: https://docs.tryspare.com/reference/create-business-domestic-payment
  - type: Documentation
    url: https://docs.tryspare.com/docs/ksa-coverage
- aid: spare:spare-payment-api
  name: Spare Payment API
  description: The Payment API from Spare — 2 operation(s) for payment.
  humanURL: https://docs.tryspare.com/reference/get_api-v1-0-authentication-token
  baseURL: https://ob.tryspare.com/api/v1.0/authentication
  tags:
  - Payments
  tags_raw:
  - Payment
  properties:
  - type: OpenAPI
    url: openapi/spare-payment-api-openapi.yml
  - type: Documentation
    url: https://docs.tryspare.com/docs/auth-flow
  - type: APIReference
    url: https://docs.tryspare.com/reference/get_api-v1-0-authentication-token
  - type: Documentation
    url: https://docs.tryspare.com/docs/data-api-basics
  - type: APIReference
    url: https://docs.tryspare.com/reference/get_api-v1-0-ais-account-list-1
  - type: Documentation
    url: https://docs.tryspare.com/docs/payments-api-basics
  - type: APIReference
    url: https://docs.tryspare.com/reference/create-business-domestic-payment
  - type: Documentation
    url: https://docs.tryspare.com/docs/ksa-coverage
- aid: spare:spare-provider-api
  name: Spare Provider API
  description: The Provider API from Spare — 2 operation(s) for provider.
  humanURL: https://docs.tryspare.com/reference/get_api-v1-0-authentication-token
  baseURL: https://ob.tryspare.com/api/v1.0/authentication
  tags:
  - Providers
  tags_raw:
  - Provider
  properties:
  - type: OpenAPI
    url: openapi/spare-provider-api-openapi.yml
  - type: Documentation
    url: https://docs.tryspare.com/docs/auth-flow
  - type: APIReference
    url: https://docs.tryspare.com/reference/get_api-v1-0-authentication-token
  - type: Documentation
    url: https://docs.tryspare.com/docs/data-api-basics
  - type: APIReference
    url: https://docs.tryspare.com/reference/get_api-v1-0-ais-account-list-1
  - type: Documentation
    url: https://docs.tryspare.com/docs/payments-api-basics
  - type: APIReference
    url: https://docs.tryspare.com/reference/create-business-domestic-payment
  - type: Documentation
    url: https://docs.tryspare.com/docs/ksa-coverage
- aid: spare:spare-request-api
  name: Spare Request API
  description: The Request API from Spare — 11 operation(s) for request.
  humanURL: https://docs.tryspare.com/reference/get_api-v1-0-authentication-token
  baseURL: https://ob.tryspare.com/api/v1.0/authentication
  tags:
  - Request
  properties:
  - type: OpenAPI
    url: openapi/spare-request-api-openapi.yml
  - type: Documentation
    url: https://docs.tryspare.com/docs/auth-flow
  - type: APIReference
    url: https://docs.tryspare.com/reference/get_api-v1-0-authentication-token
  - type: Documentation
    url: https://docs.tryspare.com/docs/data-api-basics
  - type: APIReference
    url: https://docs.tryspare.com/reference/get_api-v1-0-ais-account-list-1
  - type: Documentation
    url: https://docs.tryspare.com/docs/payments-api-basics
  - type: APIReference
    url: https://docs.tryspare.com/reference/create-business-domestic-payment
  - type: Documentation
    url: https://docs.tryspare.com/docs/ksa-coverage
- aid: spare:spare-riskreport-api
  name: Spare RiskReport API
  description: The RiskReport API from Spare — 6 operation(s) for riskreport.
  humanURL: https://docs.tryspare.com/reference/get_api-v1-0-authentication-token
  baseURL: https://ob.tryspare.com/api/v1.0/authentication
  tags:
  - Risk Report
  tags_raw:
  - RiskReport
  properties:
  - type: OpenAPI
    url: openapi/spare-riskreport-api-openapi.yml
  - type: Documentation
    url: https://docs.tryspare.com/docs/auth-flow
  - type: APIReference
    url: https://docs.tryspare.com/reference/get_api-v1-0-authentication-token
  - type: Documentation
    url: https://docs.tryspare.com/docs/data-api-basics
  - type: APIReference
    url: https://docs.tryspare.com/reference/get_api-v1-0-ais-account-list-1
  - type: Documentation
    url: https://docs.tryspare.com/docs/payments-api-basics
  - type: APIReference
    url: https://docs.tryspare.com/reference/create-business-domestic-payment
  - type: Documentation
    url: https://docs.tryspare.com/docs/ksa-coverage
- aid: spare:spare-statement-api
  name: Spare Statement API
  description: The Statement API from Spare — 1 operation(s) for statement.
  humanURL: https://docs.tryspare.com/reference/get_api-v1-0-authentication-token
  baseURL: https://ob.tryspare.com/api/v1.0/authentication
  tags:
  - Statement
  properties:
  - type: OpenAPI
    url: openapi/spare-statement-api-openapi.yml
  - type: Documentation
    url: https://docs.tryspare.com/docs/auth-flow
  - type: APIReference
    url: https://docs.tryspare.com/reference/get_api-v1-0-authentication-token
  - type: Documentation
    url: https://docs.tryspare.com/docs/data-api-basics
  - type: APIReference
    url: https://docs.tryspare.com/reference/get_api-v1-0-ais-account-list-1
  - type: Documentation
    url: https://docs.tryspare.com/docs/payments-api-basics
  - type: APIReference
    url: https://docs.tryspare.com/reference/create-business-domestic-payment
  - type: Documentation
    url: https://docs.tryspare.com/docs/ksa-coverage
- aid: spare:spare-token-api
  name: Spare Token API
  description: The Token API from Spare — 2 operation(s) for token.
  humanURL: https://docs.tryspare.com/reference/get_api-v1-0-authentication-token
  baseURL: https://ob.tryspare.com/api/v1.0/authentication
  tags:
  - Tokens
  tags_raw:
  - Token
  properties:
  - type: OpenAPI
    url: openapi/spare-token-api-openapi.yml
  - type: Documentation
    url: https://docs.tryspare.com/docs/auth-flow
  - type: APIReference
    url: https://docs.tryspare.com/reference/get_api-v1-0-authentication-token
  - type: Documentation
    url: https://docs.tryspare.com/docs/data-api-basics
  - type: APIReference
    url: https://docs.tryspare.com/reference/get_api-v1-0-ais-account-list-1
  - type: Documentation
    url: https://docs.tryspare.com/docs/payments-api-basics
  - type: APIReference
    url: https://docs.tryspare.com/reference/create-business-domestic-payment
  - type: Documentation
    url: https://docs.tryspare.com/docs/ksa-coverage
- aid: spare:spare-transaction-api
  name: Spare Transaction API
  description: The Transaction API from Spare — 5 operation(s) for transaction.
  humanURL: https://docs.tryspare.com/reference/get_api-v1-0-authentication-token
  baseURL: https://ob.tryspare.com/api/v1.0/authentication
  tags:
  - Transaction
  properties:
  - type: OpenAPI
    url: openapi/spare-transaction-api-openapi.yml
  - type: Documentation
    url: https://docs.tryspare.com/docs/auth-flow
  - type: APIReference
    url: https://docs.tryspare.com/reference/get_api-v1-0-authentication-token
  - type: Documentation
    url: https://docs.tryspare.com/docs/data-api-basics
  - type: APIReference
    url: https://docs.tryspare.com/reference/get_api-v1-0-ais-account-list-1
  - type: Documentation
    url: https://docs.tryspare.com/docs/payments-api-basics
  - type: APIReference
    url: https://docs.tryspare.com/reference/create-business-domestic-payment
  - type: Documentation
    url: https://docs.tryspare.com/docs/ksa-coverage
- aid: spare:spare-direct-debit-api
  name: Spare Direct Debit API
  description: The Direct Debit API from Spare — 1 operation(s) for direct debit.
  humanURL: https://docs.tryspare.com/reference/get_api-v1-0-authentication-token
  baseURL: https://ob.tryspare.com/api/v1.0/authentication
  tags:
  - Direct Debit
  properties:
  - type: OpenAPI
    url: openapi/spare-direct-debit-api-openapi.yml
  - type: Documentation
    url: https://docs.tryspare.com/docs/auth-flow
  - type: APIReference
    url: https://docs.tryspare.com/reference/get_api-v1-0-authentication-token
  - type: Documentation
    url: https://docs.tryspare.com/docs/data-api-basics
  - type: APIReference
    url: https://docs.tryspare.com/reference/get_api-v1-0-ais-account-list-1
  - type: Documentation
    url: https://docs.tryspare.com/docs/payments-api-basics
  - type: APIReference
    url: https://docs.tryspare.com/reference/create-business-domestic-payment
  - type: Documentation
    url: https://docs.tryspare.com/docs/ksa-coverage
common:
- type: PostmanWorkspace
  url: https://www.postman.com/kinlaneapi/spare/overview
- url: https://tryspare.com/blog/rss.xml
  type: BlogRSS
- type: CapabilityMap
  url: capabilities/spare-capability-edges.yml
  name: Spare Business Capability Map
- type: Overlay
  url: overlays/spare-bahrain-ais-overlay.yaml
- type: TrustCenter
  url: security/spare-trust-center.yml
- type: DomainSecurity
  url: security/spare-domain-security.yml
- type: AgenticAccess
  url: agentic-access/spare-agentic-access.yml
- type: Authentication
  url: authentication/spare-authentication.yml
- type: Website
  url: https://tryspare.com
- type: DeveloperPortal
  url: https://docs.tryspare.com/docs/welcome
- type: Documentation
  url: https://docs.tryspare.com/docs/welcome
- type: APIReference
  url: https://docs.tryspare.com/reference
- type: GettingStarted
  url: https://docs.tryspare.com/docs/auth-flow
- type: Support
  url: https://docs.tryspare.com/docs/support
- type: Blog
  url: https://tryspare.com/blog
- type: GitHubOrganization
  url: https://github.com/spare-technologies
- type: SignUp
  url: https://dashboard.sandbox.tryspare.com/
- type: Login
  url: https://dashboard.tryspare.com/
- type: Postman
  url: https://documenter.getpostman.com/view/39844099/2sB2ixku9E
- type: TermsOfService
  url: https://terms.tryspare.com/sa/en
- type: PrivacyPolicy
  url: https://terms.tryspare.com/sa/privacy/en
- type: LLMsTxt
  url: llms/spare-llms.txt
- type: Packages
  url: packages/spare-packages.yml
- type: SDKs
  url: packages/spare-packages.yml
- type: OAuthScopes
  url: scopes/spare-scopes.yml
- type: Conventions
  url: conventions/spare-conventions.yml
- type: ErrorCatalog
  url: errors/spare-error-codes.yml
- type: Lifecycle
  url: lifecycle/spare-lifecycle.yml
- type: Conformance
  url: conformance/spare-conformance.yml
- type: Compliance
  url: https://trust.tryspare.com/
- type: Sandbox
  url: sandbox/spare-sandbox.yml
- type: DataModel
  url: data-model/spare-data-model.yml
- type: X-MCPServerCandidate
  url: mcp/spare-mcp.yml
  note: 'Renamed from MCPServer 2026-09-03 (roadmap#247): the manifest self-describes as status: candidate — a tool list derived
    from the published API contracts, not an existing server. The scorer already read the manifest and reported mcp_server
    correctly; the MCPServer type was crediting the artifact-type surfaces with a server that does not exist.'
- type: Webhooks
  url: asyncapi/spare-webhooks.yml
- type: AgentSkill
  url: skills/_index.yml

Spare API — frequently asked questions

Does Spare have an API?

Yes. APIs.io lists 17 APIs from Spare, including Spare Account API, Spare AccountInformationReport API and Spare Balance API, and 14 more.

Is there an OpenAPI specification for the Spare API?

Yes. APIs.io indexes 17 OpenAPI specifications for Spare, each linked for download from this page.

How do I authenticate with the Spare API?

Spare uses bearer-token authentication (oauth2/apiKey · 1 scheme). The details are profiled on APIs.io as Spare Authentication.

Is the Spare API ready for AI agents?

Spare has a Kin Score of 53.6 out of 100 (developing) and an Agent Readiness score of 27.6 (agent-aware), scored by API Evangelist on 2026-11-06.

Work with this as data

Every provider here is available over the APIs.io API and to AI agents over MCP.

MCP server

One button, every client — Claude, Cursor, VS Code and the rest.

https://apis.io/mcp

Tools for providers

9 MCP tools reach this

find_providersBrowse and filter every provider in the catalog.
get_provider_artifactsEvery artifact this provider publishes, grouped by type.
get_provider_operationsEvery operation across all of their OpenAPIs — one call instead of parsing every spec.
get_provider_toolsEvery MCP tool they ship, with the operation each wraps.
get_provider_evidenceHow each part of their score was established. Free — the basis for a claim should not sit behind it.
get_provider_ratingPRO — composite, band, trend and facet scores.
apis_io_searchSTART HERE — APIs, providers and tags for one query, each with its total.
resolveTurn a domain, URL or GitHub org into the provider it belongs to.
find_cohortsEvery scored population of providers in the catalog.

All 92 tools →

Call it yourself

curl for this page

This provider

curl "https://apis.io/api/v1/providers/spare"

All providers

curl "https://apis.io/api/v1/providers?limit=25"

Every operation they expose

curl "https://apis.io/api/v1/providers/spare/operations?limit=25"

How their score was established

curl "https://apis.io/api/v1/providers/spare/evidence"

Calls without X-API-Key need no key. Calls with it need a paid plan — get a key.

Get an API key

Free tier, no form to fill in. Signing in shares your email address with us — we store it to create your key and to recognise you if you sign in with another provider. See our Privacy Policy and Terms.

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A second provider on the same verified email joins the account you already have.