# Bud Financial Limited **Canonical:** https://apis.io/providers/thisisbud/ **Website:** https://thisisbud.com/ **APIs profiled:** 16 Bud Financial Limited is a financial technology company offering digital banking solutions, including personal and business accounts, budgeting tools, and API-driven services for developers. The company focuses on providing seamless, secure, and user-friendly financial experiences through modern APIs, enabling integration with third‑party applications and services. Bud Financial aims to empower users with real‑time insights, automated savings, and flexible payment options, positioning itself as an innovative player in the fintech ecosystem. ## Kin Score — 53.6 / 100 (developing) Scored 2026-10-23 under rubric 0.25.0. | Facet | Score | |---|---| | Discoverability | 69.6 | | Contract Quality | 73.9 | | Contract Governance | 17.4 | | Operational Transparency | 63.2 | | Developer Ergonomics | 56.5 | | Access Clarity | 21.1 | Regulatory layer — **Banking & Open Finance**: 36.2 (matched via tags). ## Agent readiness — 47.1 (agent-native) | Dimension | Value | |---|---| | Spec Presence | yes | | Agentic Access | derived | | Reversibility Documented | no | | MCP Server | no | | Auth Clarity | negotiable | | Idempotency | verified | | Error Semantics | verified | | OpenAPI Examples | verified | | Rate Limit Signal | verified | | Event Surface Described | yes | | Agent Skills | derived | | 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 | | Pagination Ratio | no | | Operation Distinctiveness | distinct | ## APIs (39) - **Bud Financial Limited Aggregation Buckets API** — Manage virtual "buckets" for grouping and aggregating transactions by their underlying categories. Use this for retrieving financial data for customers of the Assess Dashboard (... - **Bud Financial Limited Client Secrets API** — Create, list, and revoke Client Secrets used, alongside the `client_id`, to authenticate to the Bud platform via OAuth2. - **Bud Financial Limited Correct Financial Data API** — Manipulate Transactions held on the Bud platform by finding similar transactions and submitting corrections. - **Bud Financial Limited Create a Connection API** — Create a new connection to an Open Banking provider by using either: (i) Bud's configurable frontend UI (__Bud Connect__), built to maximise conversion; or (ii) Bud's individual... - **Bud Financial Limited Custom Insights API** — Understand and target messaging to your customers more effectively by defining your own custom insights. - **Bud Financial Limited Customer Application Links API** — Create a link for a customer to follow, which will allow them to connect their bank accounts and submit their financial data for the application. - **Bud Financial Limited Customer Applications API** — Create, retrieve and manage financial applications for customers using the Assess product. Applications created on this platform can be viewed using the Assess Dashboard to obse... - **Bud Financial Limited Customer-Level Insights API** — Retrieve flags and facts calculated in real time from a customer's financial data. - **Bud Financial Limited Debt Collection Finder API** — Find information regarding your customer's debts. - **Bud Financial Limited Drive Campaigns API** — Create and manage campaigns — by hand, or by describing a business goal for Drive's campaign agent to build one from — track their performance, and retrieve the customer-facing ... - **Bud Financial Limited Drive MCP API** — Connection URLs for Drive's remote Model Context Protocol servers, for use with AI/LLM driven agents — the general Drive copilot, and dedicated servers for segments and campaign... - **Bud Financial Limited Drive Segments API** — Create and manage customer segments — Drive's V1 model (fixed customer lists, criteria copied from an existing segment) and V2 model (a recursive criteria tree of flags, segment... - **Bud Financial Limited Enrichment Resources API** — Obtain greater context to Bud's enrichment services. - **Bud Financial Limited Enrichment Totals API** — Breakdown your customer's income and expenditure based on Bud's enrichments to help orientate their financial world. - **Bud Financial Limited Frontend Widgets API** — A collection of frontend widgets representing customer financial data. - **Bud Financial Limited Income Finder API** — Find information regarding your customer's income. - **Bud Financial Limited Ingest First Party Data API** — Initiate the asynchronous process of pushing a customer's account information (i.e. first party data) onto the Bud platform. These asynchronous requests create a task to store t... - **Bud Financial Limited Initiate Payment - Bud license API** — Authenticates and securely creates a new payment from a customer’s chosen account(s) using Bud's regulatory licence as a [Third Party Provider (TPP)](https://www.openbanking.org... - **Bud Financial Limited Initiate Payment - Client license API** — Authenticates and securely creates a new payment from a customer’s chosen account(s) using your organisation's regulatory permission as a Payment Initiation Service Provider (PI... - **Bud Financial Limited Loan Finder API** — Find information regarding your customer's loans. - **Bud Financial Limited Manage a Connection API** — Different endpoints that allow to to manage an existing customer connection. This includes the ability to: (i) Refresh the data associated with a given connection, pulling in th... - **Bud Financial Limited Manage Customers API** — Manage the number of customers registered onto the Bud platform. - **Bud Financial Limited Manage Financial Data API** — Manipulate Transactions held on the Bud platform by removing data, submitting corrections, or adding tags through different rulesets. - **Bud Financial Limited Manage Payments API** — Manage payments to initiated through Bud's Payments API - **Bud Financial Limited Manage Transaction Labels API** — Create, list, rename, and delete customer-authored labels that can be attached to transactions. Labels are customer-defined strings used to group transactions in ways that are m... - **Bud Financial Limited MCP (Model Context Protocol) API** — Allows an MCP Client to connect to Bud API endpoints as tools. Currently in beta - **Bud Financial Limited O Auth2 API** — Retrieve and manage access and refresh tokens to authenticate to the Bud platform via OAuth2 protocol. - **Bud Financial Limited Product Finder API** — Find information regarding your customer's financial products. - **Bud Financial Limited Regular Payments Finder API** — Find information relating to any regularity found across certain groups of transactions within your customer's accounts. - **Bud Financial Limited Retrieve Actionable Insights API** — Retrieve a customer's actionable insights generated from their financial data. - **Bud Financial Limited Retrieve Affordability Report API** — Breakdown your customer's transactions by fixed/flexible spend and discretionary vs non discretionary high-level totals. - **Bud Financial Limited Retrieve Affordability Report V2 API** — Breakdown your customer's transactions by fixed/flexible spend and discretionary vs non discretionary high-level totals. Retrieve Affordability Report V2 endpoints are designed ... - **Bud Financial Limited Retrieve Affordability Risk Insights API** — Retrieve a customer's report insights generated from their financial data. In contrast to the alert style actionable insights, these insights should be used more as a summary. - **Bud Financial Limited Retrieve Customer Characteristics API** — Retrieve Characteristics associated with an individual Customer based on their financial data. - **Bud Financial Limited Retrieve Financial Data API** — Retrieve a customer's financial data from a range of sources. - **Bud Financial Limited Savings Goals V2 API** — Savings goals management API V2. - **Bud Financial Limited Spending Budgets API** — Spending budgets management API. - **Bud Financial Limited Subscription Finder API** — Find information regarding your customer's subscriptions. - **Bud Financial Limited Transaction Search API** — Allows customers to search & ask questions about their financial transactions. ## Agentic access (1) - **Thisisbud Agentic Access** — 216 operations · 97 acting · 2 human-in-the-loop ## Security (2) - **Thisisbud Authentication** — 1 scheme - **Thisisbud Domain Security** — TLSv1.3 · HSTS · DMARC ## Tags Company, Fintech, Digital Banking, API Platform, Financial Services --- Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/thisisbud/). Scores are computed from the provider's own public artifacts under a published rubric.