# The ID

**Canonical:** https://apis.io/providers/theidco/  
**Website:** https://theidco.com/  
**APIs profiled:** 1

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.

## Kin Score — 34.6 / 100 (thin)

Scored 2026-10-23 under rubric 0.25.0.

| Facet | Score |
|---|---|
| Discoverability | 66.1 |
| Contract Quality | 29.2 |
| Contract Governance | 22.0 |
| Operational Transparency | 50.0 |
| Developer Ergonomics | 50.0 |
| Access Clarity | 10.5 |

Regulatory layer — **Banking & Open Finance**: 16.5 (matched via tags).

## Agent readiness — 30.5 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | documented |
| Auth Clarity | bearer |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | documented |
| Event Surface Described | yes |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | conformant |
| Dry Run Mode | no |
| Delegated Identity | no |
| Protected Resource Metadata | no |
| Dynamic Client Registration | no |
| Agentic Commerce | no |
| Pagination Ratio | na |
| Operation Distinctiveness | no |

## APIs (1)

- **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.

## Security (2)

- **Theidco Authentication** — 1 scheme
- **Theidco Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Company, Fintech, Credit Risk, Open Banking, Data Protection

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