Spektr

Spektr is an AI-powered compliance automation platform for banks and fintechs, backed by Northzone and Seedcamp. It automates KYB and KYC onboarding, continuous customer monitoring, risk scoring, remediation, and transaction monitoring using configurable processes and a library of AI agents (KYB, document review, network/ownership discovery, address and license verification, source-of-funds, and false-positive reduction). The REST API (documented on ReadMe at spektr.readme.io, served from ingest.spektr.com) covers dataset and customer-record import, process execution and onboarding orchestration, event and transaction ingestion, workspace field definitions, and HMAC-signed webhooks. Authentication is via an x-api-key header, with idempotency-key support and Live/Sandbox/Test environments.

Spektr publishes 9 API contracts indexed on the APIs.io network, including Action API, Events API, Execution API, and 6 more. Tagged areas include Company, Compliance, RegTech, KYB, and KYC.

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

Spektr’s developer surface includes documentation, API reference, getting-started guide, engineering blog, support, changelog, authentication, and 25 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

56.2/100 strong ▬ flat Agent 40/100 agent native Front door AI 5/6 prominent Heartbeat 62/100 slowing saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

1 published contract 2 Agent Skills

Company Compliance RegTech KYB KYC Onboarding Transaction Monitoring Financial Services Artificial Intelligence Enterprise

What this lets a business do 2

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

Application Identity & Verification

AE-160

Orchestration API

Financial Crime Management

BC-1400

Transactions

POST /v1/transactions/batch

Kin Score

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

Composite quality — 56.2/100 · strong

Contract Quality 11.0 / 19

Developer Ergonomics 11.0 / 15

Access Clarity 5.5 / 15

Operational Transparency 4.6 / 10

Contract Governance 2.9 / 9

Discoverability 5.5 / 8

Regulatory Posture 4.1 / 15

Create-or-Update Ergonomics 1.1 / 10

Agent readiness — 40/100 · agent native

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 9 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 7 / 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 0 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Horizontal (data, software, accessibility, platform) 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
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)
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document
Delegated User Identity +6 pts — a served discovery document listing authorization_code in grant_types_supported (served), else an oauth2 authorizationCode flow or openIdConnect declared in an OpenAPI (documented)
Documented Reversibility +6 pts — a reversal operation in the contract, graded up when a window is documented too

6 more unmet checks in the Agent Readiness table above.

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

Access Clarity scores 36.8 — up to +12.6 composite points
Contract Quality scores 58.7 — up to +10.3 composite points
Contract Governance scores 31.8 — up to +8.2 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/spektr/apis.yml: open an issue on github.com/api-evangelist/spektr 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
GLEIF LEI Issuers (Legal Entity Identifier infrastructure)	undeclared	-	-	-

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 1

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)

APIs 9

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

Spektr Action API

The Action API API from Spektr — 1 operation(s) for action api.

Spektr Events API

The Events API API from Spektr — 1 operation(s) for events api.

Spektr Execution API

The Execution API API from Spektr — 3 operation(s) for execution api.

Spektr Import API

The Import API API from Spektr — 2 operation(s) for import api.

Spektr Orchestration API

The Orchestration API API from Spektr — 6 operation(s) for orchestration api.

Spektr Records API

The Records API API from Spektr — 9 operation(s) for records api.

Spektr Transaction Definitions API

The Transaction Definitions API from Spektr — 2 operation(s) for transaction definitions.

Spektr Transactions API

The Transactions API from Spektr — 1 operation(s) for transactions.

Spektr Workspace Fields API

The Workspace Fields API API from Spektr — 2 operation(s) for workspace fields api.

Scroll for all 9

Open Collections 9

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

Spektr Action API API

OPEN COLLECTION

Spektr Action API Events API API

OPEN COLLECTION

Spektr Action API Execution API API

OPEN COLLECTION

Spektr Action API Import API API

OPEN COLLECTION

Spektr Action API Orchestration API API

OPEN COLLECTION

Spektr Action API Records API API

OPEN COLLECTION

Spektr Action API Transaction Definitions API

OPEN COLLECTION

Spektr Action API Transactions API

OPEN COLLECTION

Spektr Action API Workspace Fields API API

OPEN COLLECTION

Scroll for all 9

Agent Skills 2

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

Execute a process and monitor via webhooks

AGENT SKILL

Import a customer and start onboarding

AGENT SKILL

Event Specifications 1

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

Spektr Webhooks

ASYNCAPI

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Spektr API Rules

57 rules · 47 errors 7 warnings 3 info

SPECTRAL

OpenAPI 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.

Spektr Openapi Overlay

1 action · update · spektr-openapi.yml

DERIVED

Security Posture 3

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

Spektr Authentication

apiKey · 1 scheme

SECURITY

Spektr Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Spektr Trust Center

SOC 2, ISO 27001, GDPR

SECURITY

Agentic Access 1

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

Spektr Agentic Access

35 operations · 24 acting · 24 human-in-the-loop

35 operations · 24 acting

AGENTIC

Resources

Get Started 3

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

GettingStarted

GettingStarted

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

X-MCPServerCandidate

LLMsTxt

AgentSkill

AgenticAccess

Design & Contract 7

Pagination, idempotency, versioning, errors, and events

Idempotency

Conventions

ErrorCatalog

Lifecycle

Conformance

DataModel

Webhooks

Scroll for all 7

Build 2

SDKs, sample code, and the tooling you integrate with

Packages

Packages

SDKs

SDKs

Access & Security 4

Authentication, authorization, and security posture

Compliance

Authentication

DomainSecurity

TrustCenter

Operate 4

Status, limits, changes, and where to get help

Support

StatusPage

Deprecation

ChangeLog

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 2

The organization behind the API

Blog

Blog

Website

Website

Other 2

Properties that don't map to a standard resource type

CapabilityMap

CapabilityMap

Overlay

Overlay

Source (apis.yml)

aid: spektr
name: Spektr
description: Spektr is an AI-powered compliance automation platform for banks and fintechs, backed by Northzone and Seedcamp.
  It automates KYB and KYC onboarding, continuous customer monitoring, risk scoring, remediation, and transaction monitoring
  using configurable processes and a library of AI agents (KYB, document review, network/ownership discovery, address and
  license verification, source-of-funds, and false-positive reduction). The REST API (documented on ReadMe at spektr.readme.io,
  served from ingest.spektr.com) covers dataset and customer-record import, process execution and onboarding orchestration,
  event and transaction ingestion, workspace field definitions, and HMAC-signed webhooks. Authentication is via an x-api-key
  header, with idempotency-key support and Live/Sandbox/Test environments.
url: https://raw.githubusercontent.com/api-evangelist/spektr/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- northzone
- seedcamp
x-tier: active
x-tier-reason: enriched-has-api
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
  - security
  - sandbox
  generated: '2026-11-06'
  method: derived
image: https://cdn.prod.website-files.com/687e48ff717957204d88189a/69de85d328817d3ae0691be5_spektr-com.png
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-09-16'
x-docs-platform: readme
x-docs-platform-confidence: high
x-docs-platform-checked: 2026-10-04
tags:
- Company
- Compliance
- RegTech
- KYB
- KYC
- Onboarding
- Transaction Monitoring
- Financial Services
- Artificial Intelligence
- Enterprise
tags_raw:
- Company
- Compliance
- RegTech
- KYB
- KYC
- Onboarding
- Transaction Monitoring
- Financial Services
- Artificial Intelligence
- Enterprise
- Financial-Services
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
apis:
- aid: spektr:spektr-action-api-api
  name: Spektr Action API
  description: The Action API API from Spektr — 1 operation(s) for action api.
  humanURL: https://spektr.readme.io/reference/welcome-to-spektr-api-documentation
  baseURL: https://ingest.spektr.com
  tags:
  - Action API
  properties:
  - type: OpenAPI
    url: openapi/spektr-action-api-api-openapi.yml
  - type: Documentation
    url: https://spektr.readme.io/reference/welcome-to-spektr-api-documentation
  - type: APIReference
    url: https://spektr.readme.io/reference/welcome-to-spektr-api-documentation
  - type: GettingStarted
    url: https://spektr.readme.io/docs/getting-started
  - type: Authentication
    url: authentication/spektr-authentication.yml
- aid: spektr:spektr-events-api-api
  name: Spektr Events API
  description: The Events API API from Spektr — 1 operation(s) for events api.
  humanURL: https://spektr.readme.io/reference/welcome-to-spektr-api-documentation
  baseURL: https://ingest.spektr.com
  tags:
  - Events API
  properties:
  - type: OpenAPI
    url: openapi/spektr-events-api-api-openapi.yml
  - type: Documentation
    url: https://spektr.readme.io/reference/welcome-to-spektr-api-documentation
  - type: APIReference
    url: https://spektr.readme.io/reference/welcome-to-spektr-api-documentation
  - type: GettingStarted
    url: https://spektr.readme.io/docs/getting-started
  - type: Authentication
    url: authentication/spektr-authentication.yml
- aid: spektr:spektr-execution-api-api
  name: Spektr Execution API
  description: The Execution API API from Spektr — 3 operation(s) for execution api.
  humanURL: https://spektr.readme.io/reference/welcome-to-spektr-api-documentation
  baseURL: https://ingest.spektr.com
  tags:
  - Execution API
  properties:
  - type: OpenAPI
    url: openapi/spektr-execution-api-api-openapi.yml
  - type: Documentation
    url: https://spektr.readme.io/reference/welcome-to-spektr-api-documentation
  - type: APIReference
    url: https://spektr.readme.io/reference/welcome-to-spektr-api-documentation
  - type: GettingStarted
    url: https://spektr.readme.io/docs/getting-started
  - type: Authentication
    url: authentication/spektr-authentication.yml
- aid: spektr:spektr-import-api-api
  name: Spektr Import API
  description: The Import API API from Spektr — 2 operation(s) for import api.
  humanURL: https://spektr.readme.io/reference/welcome-to-spektr-api-documentation
  baseURL: https://ingest.spektr.com
  tags:
  - Import API
  properties:
  - type: OpenAPI
    url: openapi/spektr-import-api-api-openapi.yml
  - type: Documentation
    url: https://spektr.readme.io/reference/welcome-to-spektr-api-documentation
  - type: APIReference
    url: https://spektr.readme.io/reference/welcome-to-spektr-api-documentation
  - type: GettingStarted
    url: https://spektr.readme.io/docs/getting-started
  - type: Authentication
    url: authentication/spektr-authentication.yml
- aid: spektr:spektr-orchestration-api-api
  name: Spektr Orchestration API
  description: The Orchestration API API from Spektr — 6 operation(s) for orchestration api.
  humanURL: https://spektr.readme.io/reference/welcome-to-spektr-api-documentation
  baseURL: https://ingest.spektr.com
  tags:
  - Orchestration API
  properties:
  - type: OpenAPI
    url: openapi/spektr-orchestration-api-api-openapi.yml
  - type: Documentation
    url: https://spektr.readme.io/reference/welcome-to-spektr-api-documentation
  - type: APIReference
    url: https://spektr.readme.io/reference/welcome-to-spektr-api-documentation
  - type: GettingStarted
    url: https://spektr.readme.io/docs/getting-started
  - type: Authentication
    url: authentication/spektr-authentication.yml
- aid: spektr:spektr-records-api-api
  name: Spektr Records API
  description: The Records API API from Spektr — 9 operation(s) for records api.
  humanURL: https://spektr.readme.io/reference/welcome-to-spektr-api-documentation
  baseURL: https://ingest.spektr.com
  tags:
  - Records API
  properties:
  - type: OpenAPI
    url: openapi/spektr-records-api-api-openapi.yml
  - type: Documentation
    url: https://spektr.readme.io/reference/welcome-to-spektr-api-documentation
  - type: APIReference
    url: https://spektr.readme.io/reference/welcome-to-spektr-api-documentation
  - type: GettingStarted
    url: https://spektr.readme.io/docs/getting-started
  - type: Authentication
    url: authentication/spektr-authentication.yml
- aid: spektr:spektr-transaction-definitions-api
  name: Spektr Transaction Definitions API
  description: The Transaction Definitions API from Spektr — 2 operation(s) for transaction definitions.
  humanURL: https://spektr.readme.io/reference/welcome-to-spektr-api-documentation
  baseURL: https://ingest.spektr.com
  tags:
  - Transaction Definitions
  properties:
  - type: OpenAPI
    url: openapi/spektr-transaction-definitions-api-openapi.yml
  - type: Documentation
    url: https://spektr.readme.io/reference/welcome-to-spektr-api-documentation
  - type: APIReference
    url: https://spektr.readme.io/reference/welcome-to-spektr-api-documentation
  - type: GettingStarted
    url: https://spektr.readme.io/docs/getting-started
  - type: Authentication
    url: authentication/spektr-authentication.yml
- aid: spektr:spektr-transactions-api
  name: Spektr Transactions API
  description: The Transactions API from Spektr — 1 operation(s) for transactions.
  humanURL: https://spektr.readme.io/reference/welcome-to-spektr-api-documentation
  baseURL: https://ingest.spektr.com
  tags:
  - Transaction
  tags_raw:
  - Transactions
  properties:
  - type: OpenAPI
    url: openapi/spektr-transactions-api-openapi.yml
  - type: Documentation
    url: https://spektr.readme.io/reference/welcome-to-spektr-api-documentation
  - type: APIReference
    url: https://spektr.readme.io/reference/welcome-to-spektr-api-documentation
  - type: GettingStarted
    url: https://spektr.readme.io/docs/getting-started
  - type: Authentication
    url: authentication/spektr-authentication.yml
- aid: spektr:spektr-workspace-fields-api-api
  name: Spektr Workspace Fields API
  description: The Workspace Fields API API from Spektr — 2 operation(s) for workspace fields api.
  humanURL: https://spektr.readme.io/reference/welcome-to-spektr-api-documentation
  baseURL: https://ingest.spektr.com
  tags:
  - Workspace Fields API
  properties:
  - type: OpenAPI
    url: openapi/spektr-workspace-fields-api-api-openapi.yml
  - type: Documentation
    url: https://spektr.readme.io/reference/welcome-to-spektr-api-documentation
  - type: APIReference
    url: https://spektr.readme.io/reference/welcome-to-spektr-api-documentation
  - type: GettingStarted
    url: https://spektr.readme.io/docs/getting-started
  - type: Authentication
    url: authentication/spektr-authentication.yml
common:
- type: CapabilityMap
  url: capabilities/spektr-capability-edges.yml
  name: Spektr Business Capability Map
- type: DeveloperPortal
  url: https://spektr.readme.io/
- type: Documentation
  url: https://spektr.readme.io/reference/welcome-to-spektr-api-documentation
- type: APIReference
  url: https://spektr.readme.io/reference/welcome-to-spektr-api-documentation
- type: GettingStarted
  url: https://spektr.readme.io/docs/getting-started
- type: Blog
  url: https://www.spektr.com/blog
- type: Support
  url: https://www.spektr.com/talk-to-us
- type: TermsOfService
  url: https://www.spektr.com/terms-of-service
- type: PrivacyPolicy
  url: https://www.spektr.com/privacy-policy
- type: Compliance
  url: https://www.spektr.com/trust
- type: StatusPage
  url: https://spektr.statuspage.io
- type: Deprecation
  url: lifecycle/spektr-lifecycle.yml
- type: ChangeLog
  url: changelog/spektr-changelog.yml
- type: Authentication
  url: authentication/spektr-authentication.yml
- type: Idempotency
  url: conventions/spektr-conventions.yml
- type: Conventions
  url: conventions/spektr-conventions.yml
- type: ErrorCatalog
  url: errors/spektr-problem-types.yml
- type: Lifecycle
  url: lifecycle/spektr-lifecycle.yml
- type: Sandbox
  url: sandbox/spektr-sandbox.yml
- type: Conformance
  url: conformance/spektr-conformance.yml
- type: DataModel
  url: data-model/spektr-data-model.yml
- type: Webhooks
  url: asyncapi/spektr-webhooks.yml
- type: X-MCPServerCandidate
  url: mcp/spektr-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: LLMsTxt
  url: llms/spektr-llms.txt
- type: Overlay
  url: overlays/spektr-openapi-overlay.yaml
- type: Packages
  url: packages/spektr-packages.yml
- type: SDKs
  url: packages/spektr-packages.yml
- type: AgentSkill
  url: skills/_index.yml
- type: AgenticAccess
  url: agentic-access/spektr-agentic-access.yml
- type: DomainSecurity
  url: security/spektr-domain-security.yml
- type: TrustCenter
  url: security/spektr-trust-center.yml
- type: Website
  url: https://spektr.com
x-enrichment:
  date: '2026-07-21'
  status: enriched
  artifacts_added: 18
  pass: local-v1

Spektr API — frequently asked questions

Does Spektr have an API?

Yes. APIs.io lists 9 APIs from Spektr, including Spektr Action API, Spektr Events API and Spektr Execution API, and 6 more.

Is there an OpenAPI specification for the Spektr API?

Yes. APIs.io indexes 9 OpenAPI specifications for Spektr, each linked for download from this page.

How do I authenticate with the Spektr API?

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

Is the Spektr API ready for AI agents?

Spektr has a Kin Score of 56.2 out of 100 (strong) and an Agent Readiness score of 39.6 (agent-native), scored by API Evangelist on 2026-11-06.

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