# Synapse

**Canonical:** https://apis.io/providers/synapsefi/  
**APIs profiled:** 0

Synapse Financial Technologies was a San Francisco banking-as-a-service platform, founded 2014-04-14 by Sankaet Pathak and Bryan Keltner, that sold a REST API letting fintech companies open and operate deposit accounts, move money over ACH and wires, issue cards and run KYC/CIP checks through partner banks including Evolve Bank & Trust, AMG National Trust, American Bank North America and Lineage Bank. At its peak it served roughly 100 fintech platforms reaching about 10 million end customers, and it published first-party client libraries for Node.js, Python, Ruby, Go and PHP against its v3.1 REST API. Synapse filed for Chapter 11 bankruptcy on 2024-04-22 with a $65-96 million shortfall between its records and its partner banks'; the sale of its technology assets drew no qualified bids and the case was later dismissed. The company is defunct: as of 2026-08-29 every synapsefi.com host returns NXDOMAIN, so the API, its documentation and its developer portal are all permanently unreachable. This profile records what survives — the first-party SDKs still published on npm, PyPI, RubyGems and the Go module proxy, and the public GitHub organization.

## Kin Score — 2.8 / 100 (minimal)

Scored 2026-09-02 under rubric 0.18.0. Trend: flat (+0.0 from 2.8).

| Facet | Score |
|---|---|
| Discoverability | 57.4 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 2.6 |
| Developer Ergonomics | 7.1 |
| Commercial Clarity | 0.0 |
| Access Clarity | 0.0 |

Regulatory layer — **Banking & Open Finance**: 0.0 (matched via tags).

## Agent readiness — 2.5 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| 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 |
| Delegated Identity | no |
| Protected Resource Metadata | no |
| Dynamic Client Registration | no |
| Agentic Commerce | no |

## Access

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## Plans (1)

- **Synapsefi Plans Pricing**

## Tags

Company, Banking, Banking as a Service, Fintech, Payments, ACH, Deposit Accounts, KYC, Defunct

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