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 16 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

34.6/100 thin Agent 31/100 agent ready Full breakdown ↓
scored 2026-10-23 · rubric v0.25.0 · 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 2026-10-23 · rubric v0.25.0

Composite quality — 34.6/100 · thin

Contract Quality 6.2 / 21

Developer Ergonomics 8.5 / 17

Access Clarity 1.8 / 17

Operational Transparency 5.5 / 11

Contract Governance 2.2 / 10

Discoverability 5.6 / 9

Regulatory Posture 2.5 / 15

Agent readiness — 31/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 12 / 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 8 / 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

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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It updates itself when the score changes. Paste this where you link to your API docs:

<a href="https://apis.io/providers/theidco/"><img src="https://apis.io/badge/theidco/card.svg" alt="The ID on APIs.io — Kin Score by API Evangelist"></a>

Other styles, a README pill and a shields.io endpoint are on the badge page.

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 github.com/api-evangelist/theidco: open an issue to ask a question, or submit a pull request to add artifacts. 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.

Rate Limits 1

Documented rate limits and quota policies.

Theidco Rate Limits

2 limits

RATE LIMITS

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.

The ID API Rules

11 rules · 9 errors 1 warnings 1 info

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.

Theidco Authentication

1 scheme

SECURITY

Theidco 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 3

Properties that don't map to a standard resource type

AgentCard

AgentCard

Hosts

Hosts

Vendors

Vendors

Source (apis.yml)

aid: theidco
name: The ID
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
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

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