# Tonik

**Canonical:** https://apis.io/providers/tonik/  
**Website:** https://tonikbank.com  
**APIs profiled:** 0

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.

## Kin Score — 8.6 / 100 (minimal)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 8.6).

| Facet | Score |
|---|---|
| Discoverability | 50.0 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 7.1 |
| Commercial Clarity | 21.1 |
| Access Clarity | 21.1 |

Regulatory layer — **Banking & Open Finance**: 17.7 (matched via tags).

## Agent readiness — 0.0 (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 | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

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

## Security (1)

- **Tonik Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Company, Fintech, Digital Bank, Neobank, Banking, Philippines, Payments, Savings, Consumer Finance

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