Tonik

Tonik is the first digital-only neobank in the Philippines, operated by Tonik Digital Bank, Inc. under a digital banking license from the Bangko Sentral ng Pilipinas (BSP). Delivered entirely through a consumer mobile app, Tonik offers retail deposit accounts, high-interest savings "Stashes", time deposits, and consumer/quick loans, together with everyday payments and transfers for Filipino customers. The company positions itself around fast, easy, and secure mobile-first banking and is backed by investors including Prosus Ventures. As of this profile Tonik publishes no public developer API, SDKs, or developer portal; this record captures its public web presence and probed security posture and remains a lead awaiting a provider API surface.

Tonik is profiled on the APIs.io network. Tagged areas include Company, Fintech, Digital Bank, Neobank, and Banking.

Tonik’s developer surface includes engineering blog, support, and 4 more developer resources.

🌐 Visit website 📡 Source on GitHub

15.0/100 emerging ▬ flat Agent 0/100 human only Full breakdown ↓
scored 2026-07-28 · rubric v0.5

0 APIs

CompanyFintechDigital BankNeobankBankingPhilippinesPaymentsSavingsConsumer Finance

Kin Score

Kin Score How this is scored →
scored 2026-07-28 · rubric v0.5

Composite quality — 15.0/100 · emerging

Contract Quality 0.0 / 25

Developer Ergonomics 1.3 / 20

Commercial Clarity 4.2 / 20

Operational Transparency 0.0 / 13

Governance 0.0 / 12

Discoverability 6.8 / 10

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 15

MCP Server 0 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/tonik: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 2

Pricing, plans, and the legal terms of use

PrivacyPolicy

PrivacyPolicy

TermsOfService

TermsOfService

Company 2

The organization behind the API

Website

Website

Blog

Blog

Source (apis.yml)

aid: tonik
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source: []
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/tonik.png
name: Tonik
description: Tonik is the first digital-only neobank in the Philippines, operated by Tonik Digital Bank, Inc. under a digital
  banking license from the Bangko Sentral ng Pilipinas (BSP). Delivered entirely through a consumer mobile app, Tonik offers
  retail deposit accounts, high-interest savings "Stashes", time deposits, and consumer/quick loans, together with everyday
  payments and transfers for Filipino customers. The company positions itself around fast, easy, and secure mobile-first banking
  and is backed by investors including Prosus Ventures. As of this profile Tonik publishes no public developer API, SDKs,
  or developer portal; this record captures its public web presence and probed security posture and remains a lead awaiting
  a provider API surface.
url: https://raw.githubusercontent.com/api-evangelist/tonik/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- prosus-ventures
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-21'
tags:
- Company
- Fintech
- Digital Bank
- Neobank
- Banking
- Philippines
- Payments
- Savings
- Consumer Finance
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: DomainSecurity
  url: security/tonik-domain-security.yml
- type: Website
  url: https://tonikbank.com
- type: Blog
  url: https://tonikbank.com/blog
- type: Support
  url: https://tonikbank.com/contactus
- type: PrivacyPolicy
  url: https://tonikbank.com/data-privacy-notice
- type: TermsOfService
  url: https://tonikbank.com/terms-and-conditions
x-enrichment:
  date: '2026-07-21'
  status: minimal
  artifacts_added: 1
  pass: local-v1