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

8.6/100 minimal ▬ flat Agent 0/100 human only Full breakdown ↓
scored 2026-08-20 · rubric v0.12.0

0 APIs

CompanyFintechDigital BankNeobankBankingPhilippinesPaymentsSavingsConsumer Finance

Kin Score

Kin Score How this is scored →
scored 2026-08-20 · rubric v0.12.0

Composite quality — 8.6/100 · minimal

Contract Quality 0.0 / 21

Developer Ergonomics 1.2 / 17

Access Clarity 3.6 / 17

Operational Transparency 0.0 / 11

Contract Governance 0.0 / 10

Discoverability 4.3 / 9

Regulatory Posture 2.7 / 15

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

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

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

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.

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/.

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: '0.23'
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