The ID

The ID Co. provides a fintech platform leveraging bank data to redefine credit risk. Through its Atto product, it offers open banking data integration for onboarding, collections, and risk assessment, serving businesses seeking to improve conversion and reduce risk. Registered with FCA and ICO, The ID Co. emphasizes data protection and compliance, delivering API-driven solutions for credit risk lifecycle management.

The ID is listed with 1 API on the APIs.io network. Tagged areas include Company, Fintech, Credit Risk, Open Banking, and Data Protection.

The The ID catalog on APIs.io includes 1 event-driven AsyncAPI specification, 1 JSON-LD context, and 1 Spectral governance ruleset.

The ID’s developer surface includes getting-started guide, changelog, authentication, documentation, support, engineering blog, and 17 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

33.7/100 thin ▲ 5.2 Agent 22/100 agent aware Heartbeat 0/100 dormant Full breakdown ↓
scored 2026-11-13 · rubric v0.28.0 · Show this score on your site →

1 API

Company Fintech Credit Risk Open Banking Data Protection

Kin Score

Kin Score How this is scored →
scored 2026-11-13 · rubric v0.28.0

Composite quality — 33.7/100 · thin

Contract Quality 6.2 / 21

Developer Ergonomics 8.5 / 17

Access Clarity 2.2 / 17

Operational Transparency 5.0 / 11

Contract Governance 2.2 / 10

Discoverability 5.6 / 9

Regulatory Posture 1.8 / 15

Agent readiness — 22/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 6 / 6

Agent Skills 0 / 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 could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% 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 Ask about this →
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author Ask about this →
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) Ask about this →
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes Ask about this →
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0 Ask about this →
Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link Ask about this →

10 more unmet checks in the Agent Readiness table above.

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

Contract Quality scores 29.2 — up to +17.7 composite points Ask about this →
Access Clarity scores 12.8 — up to +17.4 composite points Ask about this →
Developer Ergonomics scores 50.0 — up to +10.0 composite points Ask about this →

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.

Not sure how this applies to your stack? Ask about any one item. Kin Lane reads every question, looks at your profile and your situation, and replies with what a fix would take — scoped to that one area, priced up front, yours whether you ship it or not. Ask a question →

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/theidco/apis.yml: open an issue on github.com/api-evangelist/theidco 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 →

APIs 1

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

The ID API

The ID API as documented publicly: 36 operations. Contract generated from the documentation by API Evangelist (2026-10-21); not the provider's own document.

The ID API pricing

Rate limits

Authorized Endpoints: 500 requests per 60 seconds
Unauthorized Endpoint (Get Token): 600 requests per 60 seconds

Rate-limit details →

Rate Limits 1

Documented rate limits and quota policies.

The ID Rate Limits

2 limits

RATE LIMITS

Privacy & Data 1

Its role, the data it processes, retention and transfers, quoted from its own privacy page.

The ID

23 quoted statements, read from The ID's own page on 2026-11-10.

PRIVACY

Event Specifications 1

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

Theidco Webhooks

ASYNCAPI

Semantic Vocabularies 1

JSON-LD contexts and semantic vocabularies used across these APIs.

Theidco Context

2 classes · 3 properties

JSON-LD

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs. Counts are the severity each rule declares, not results of running them.

The ID API Rules

11 rules · 9 error-severity 1 warn-severity 1 info-severity

SPECTRAL

JSON Schema 2

Standalone JSON Schema definitions for this provider's data models.

GetConnectInvitationsV1InvitationidResponse

3 properties

JSON SCHEMA

PostConnectInvitationsV1Response

1 properties

JSON SCHEMA

Security Posture 2

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

The ID Authentication

1 scheme

SECURITY

The ID Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Resources

Get Started 2

Portal, sign-up, and the first successful call

GettingStarted

GettingStarted

DeveloperPortal

DeveloperPortal

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

WellKnown

WellKnown

Design & Contract 6

Pagination, idempotency, versioning, errors, and events

Spectral

JSONLD

Vocabulary

Webhooks

DataModel

Conformance

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Access & Security 2

Authentication, authorization, and security posture

Authentication

Authentication

DomainSecurity

DomainSecurity

Operate 3

Status, limits, changes, and where to get help

RateLimits

RateLimits

ChangeLog

ChangeLog

Support

Support

Commercial 1

Pricing, plans, and the legal terms of use

PrivacyPolicy

PrivacyPolicy

Company 2

The organization behind the API

Website

Website

Blog

Blog

Other 4

Properties that don't map to a standard resource type

AgentCard

Hosts

Vendors

DataProcessing

Source (apis.yml)

aid: theidco
name: The ID
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  probe_state: unreadable
  source:
  - authentication
  - rate-limits
  - security
  generated: '2026-11-13'
  method: derived
image: https://cdn.prod.website-files.com/5e4ab9466903578f21cc4e19/5e4be0c2030f2cb9371ceac1_Thumbnails%201200x630.png
description: The ID Co. provides a fintech platform leveraging bank data to redefine credit risk. Through its Atto product,
  it offers open banking data integration for onboarding, collections, and risk assessment, serving businesses seeking to
  improve conversion and reduce risk. Registered with FCA and ICO, The ID Co. emphasizes data protection and compliance, delivering
  API-driven solutions for credit risk lifecycle management.
url: https://raw.githubusercontent.com/api-evangelist/theidco/refs/heads/main/apis.yml
x-type: company
x-source: harvest:g2-catalog
x-tier: profiled
x-tier-reason: enrichment pass 2026-10-21 (modular-v1; was harvest)
specificationVersion: '0.20'
created: '2026-10-21'
modified: '2026-10-21'
tags:
- Company
- Fintech
- Credit Risk
- Open Banking
- Data Protection
tags_raw:
- Company
- FinTech
- CreditRisk
- OpenBanking
- DataProtection
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: GettingStarted
  url: https://docs.atto.co/content/docs/guides/introduction/apis/getting-started
- type: RateLimits
  url: rate-limits/theidco-rate-limits.yml
- type: Spectral
  url: rules/theidco-rules.yml
- type: JSONLD
  url: json-ld/theidco-context.jsonld
- type: Vocabulary
  url: vocabulary/theidco-vocabulary.yml
- type: Webhooks
  url: asyncapi/theidco-webhooks.yml
- type: DataModel
  url: data-model/theidco-data-model.yml
- type: ChangeLog
  url: changelog/theidco-changelog.yml
- type: Authentication
  url: authentication/theidco-authentication.yml
- type: Conformance
  url: conformance/theidco-conformance.yml
- type: AgentCard
  url: a2a/theidco-a2a.yml
- type: WellKnown
  url: well-known/theidco-well-known.yml
- type: Hosts
  url: hosts/theidco-hosts.yml
- type: Vendors
  url: vendors/theidco-vendors.yml
- type: GitHubOrganization
  url: https://github.com/TheIDCo
- type: DomainSecurity
  url: security/theidco-domain-security.yml
- type: Website
  url: https://theidco.com/
- type: Documentation
  url: https://docs.atto.co/
- type: DeveloperPortal
  url: https://www.atto.co/
- type: Support
  url: https://www.atto.co/about/contact
- type: Blog
  url: https://www.atto.co/blog
- type: PrivacyPolicy
  url: https://www.atto.co/policies/privacy-policy
- type: DataProcessing
  url: privacy/theidco-privacy-policy.yml
apis:
- aid: theidco:theidco-api
  name: The ID API
  description: 'The ID API as documented publicly: 36 operations. Contract generated from the documentation by API Evangelist
    (2026-10-21); not the provider''s own document.'
  humanURL: https://docs.atto.co/content/apis/statements.md
  baseURL: https://uk.api.atto.co
  properties:
  - type: OpenAPI
    url: openapi/_ae-authored/theidco-openapi-generated.yml
    x-provenance: generated
  - type: JSONSchema
    url: json-schema/theidco-get-connect-invitations-v1-invitationid-response-schema.json
  - type: JSONSchema
    url: json-schema/theidco-post-connect-invitations-v1-response-schema.json
x-coverage:
  state: unreadable
  reason: js-rendered-docs
  detail: Documentation at https://docs.atto.co renders a JavaScript shell with no machine‑readable spec.
  evidence:
  - url: https://docs.atto.co
    status: 200
  checked: '2026-10-21'
x-enrichment:
  date: '2026-10-21'
  status: enriched
  artifacts_added: 26
  pass: modular-v1
  engine: identity=local,contract=local,surfaces=local,docs=local,regulatory=local

The ID API — frequently asked questions

Does The ID have an API?

Yes. APIs.io lists 1 API from The ID, including The ID API.

Is there an OpenAPI specification for the The ID API?

Yes. APIs.io indexes 1 OpenAPI specification for The ID, each linked for download from this page.

How do I authenticate with the The ID API?

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

Is the The ID API ready for AI agents?

The ID has a Kin Score of 33.7 out of 100 (thin) and an Agent Readiness score of 21.8 (agent-aware), scored by API Evangelist on 2026-11-13.

Work with this as data

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MCP server

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

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Tools for providers

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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.

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