# Stitch

**Canonical:** https://apis.io/providers/stitch-money/  
**Website:** https://stitch.money/  
**APIs profiled:** 1

Stitch is a South African payments and open-banking infrastructure company. Its single GraphQL API at https://api.stitch.money/graphql powers Pay By Bank (instant EFT) and LinkPay payment initiation, bank account verification, financial data access (accounts, transactions, balances), payouts and disbursements, refunds, and signed webhook subscriptions, authenticated via OAuth2 client-credentials Bearer tokens.

## Kin Score — 36.2 / 100 (thin)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 36.2).

| Facet | Score |
|---|---|
| Discoverability | 68.5 |
| Contract Quality | 62.3 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 34.2 |
| Developer Ergonomics | 23.8 |
| Commercial Clarity | 28.9 |
| Access Clarity | 28.9 |

Regulatory layer — **Banking & Open Finance**: 22.8 (matched via tags).

## Agent readiness — 35.0 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | verified |
| 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

Enterprise · Self-serve signup — onboarding: self-serve, pricing: enterprise, trial: no (confidence: high).

## APIs (1)

- **Stitch GraphQL API** — The GraphQL API from Stitch — 1 operation(s) for graphql.

## Agentic access (1)

- **Stitch Money Agentic Access** — 1 operation · 1 acting

## Security (3)

- **Stitch Money Authentication** — http · 1 scheme
- **Stitch Money Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC
- **Stitch Money Vulnerability Disclosure** — security.txt

## Plans (1)

- **Stitch Money Plans Pricing**

## Tags

Payments, Open Banking, Pay by Bank, GraphQL, Africa, South Africa, Fintech

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