# TrueLayer

**Canonical:** https://apis.io/providers/truelayer/  
**Website:** https://truelayer.com/  
**APIs profiled:** 6

TrueLayer is Europe's leading open banking platform providing unified access to bank data, payments, payouts, refunds, and variable recurring payments across the UK and EU. TrueLayer connects to 69+ financial institutions and enables instant bank payments, data enrichment, and account verification through a single API.

## Kin Score — 43.6 / 100 (developing)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 43.6).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 68.5 |
| Governance | 9.8 |
| Contract Governance | 9.8 |
| Operational Transparency | 18.4 |
| Developer Ergonomics | 42.9 |
| Commercial Clarity | 23.7 |
| Access Clarity | 23.7 |

Regulatory layer — **Banking & Open Finance**: 40.5 (matched via tags).

## Agent readiness — 42.9 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | documented |
| MCP Server | documented |
| Auth Clarity | yes |
| Idempotency | verified |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | documented |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Freemium · Self-serve signup — onboarding: self-serve, pricing: freemium, trial: no (confidence: high).

## APIs (6)

- **TrueLayer Data API** — The TrueLayer Data API provides access to bank account data including account information, balances, transactions, identity verification, and standing orders. Used for account v...
- **TrueLayer Mandates API** — Variable recurring payment mandates
- **TrueLayer Merchant Accounts API** — Merchant account management and balance
- **TrueLayer Payments API** — Create and manage individual bank payments
- **TrueLayer Payouts API** — Payments from merchant accounts to users
- **TrueLayer Refunds API** — Refund payments back to users

## MCP servers (1)

- **MCP Server**

## Agentic access (1)

- **Truelayer Agentic Access** — 13 operations · 6 acting · 1 human-in-the-loop

## Security (4)

- **Truelayer Authentication** — http · 1 scheme
- **Truelayer Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC
- **Truelayer Vulnerability Disclosure** — security.txt · contact published
- **Truelayer Trust Center** — ISO 27001, GDPR

## Plans (1)

- **Truelayer Plans Pricing**

## Tags

Data API, Financial-Services, Open Banking, Payments, PSD2, UK Banking, VRP

---

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