# Tide

**Canonical:** https://apis.io/providers/tide/  
**Website:** https://www.tide.co/  
**APIs profiled:** 0

Tide is a UK business finance and administration platform ("built by business owners for business owners") serving over two million small businesses, sole traders, freelancers, and limited companies. It combines a business current account (an e-money account powered by ClearBank), expense cards, invoicing and payment tools (Tap to Pay, card readers, QR codes, payment links), MTD-ready accounting and admin, business credit and finance (loans, asset finance, invoice finance), company formation, and business insurance. Tide is authorised and regulated in relation to its regulated activities by the UK Financial Conduct Authority. Tide was surfaced as a portfolio company of Anthemis, Creandum, and Speedinvest. It does not currently publish a public developer API or developer portal; "Open Banking" is offered as a consumer product feature.

## Kin Score — 19.1 / 100 (emerging)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+1.1 from 18.0).

| Facet | Score |
|---|---|
| Discoverability | 68.5 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 26.3 |
| Developer Ergonomics | 7.1 |
| Commercial Clarity | 38.2 |
| Access Clarity | 38.2 |

Regulatory layer — **Payments**: 31.3 (matched via tags).

## Agent readiness — 2.6 (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 | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | yes |
| Agent Card | no |
| Dry Run Mode | no |

## Access

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

## Security (2)

- **Tide Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC
- **Tide Vulnerability Disclosure** — security.txt · contact published

## Tags

Company, Fintech, Business Banking, Payments, SME, Accounting, Invoicing, United Kingdom

---

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