# Spare

**Canonical:** https://apis.io/providers/spare/  
**Website:** https://tryspare.com  
**APIs profiled:** 17

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.

## Kin Score — 51.6 / 100 (developing)

Scored 2026-08-17 under rubric 0.11.0. Trend: flat (+0.0 from 51.6).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 57.2 |
| Governance | 11.5 |
| Operational Transparency | 13.2 |
| Developer Ergonomics | 73.4 |
| Commercial Clarity | 50.0 |

Regulatory layer — **Banking & Open Finance**: 59.5 (matched via tags).

## Agent readiness — 43.9 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| MCP Server | derived |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | verified |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | yes |
| Agent Skills | derived |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: medium).

## APIs (17)

- **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 DirectDebit API** — The DirectDebit API from Spare — 1 operation(s) for directdebit.
- **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.

## MCP servers (1)

- **spare-mcp.yml**

## Agentic access (1)

- **Spare Agentic Access** — 99 operations · 34 acting · 2 human-in-the-loop

## Security (3)

- **Spare Authentication** — oauth2/apiKey · 1 scheme
- **Spare Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC
- **Spare Trust Center** — SOC 2, ISO 27001

## Tags

Open Banking, Open Finance, Account Information, Payment Initiation, AISP, PISP, Consent, Bank Data, Transactions, Balances, Payments, Fintech, MENA, Saudi Arabia, Bahrain, UAE

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