Underly

Underly provides automated bank statement analysis for lenders, brokers, and accountants, extracting true revenue, positions, NSF events, and exportable data. By parsing every line of a bank statement against printed balances, Underly delivers accurate financial insights that streamline underwriting, risk assessment, and accounting workflows. The platform is built to integrate with lending and accounting systems, offering real‑time verification and compliance reporting.

Underly publishes 1 API contract indexed on the APIs.io network: Analyses API. Tagged areas include FinTech, Banking, Data Analysis, Lending, and Accounting.

The Underly catalog on APIs.io includes 1 event-driven AsyncAPI specification, 1 JSON-LD context, and 1 Spectral governance ruleset.

Underly’s developer surface includes changelog, authentication, API reference, pricing, and 24 more developer resources.

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55.6/100 strong Agent 38/100 agent ready Full breakdown ↓
scored 2026-10-31 · rubric v0.25.0 · Show this score on your site →

1 published contract

FinTechBanking Data Analysis Lending Accounting

Kin Score

Kin Score How this is scored →
scored 2026-10-31 · rubric v0.25.0

Composite quality — 55.6/100 · strong

Contract Quality 14.7 / 21

Developer Ergonomics 5.5 / 17

Access Clarity 11.2 / 17

Operational Transparency 4.9 / 11

Contract Governance 3.6 / 10

Discoverability 5.6 / 9

Regulatory Posture 5.0 / 15

Agent readiness — 38/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 9 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 6 / 6

Agent Skills 5 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

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.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

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/.

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Agent readiness — checks not met, largest first (exact, from this profile):

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link
Delegated User Identity +6 pts — a served discovery document listing authorization_code in grant_types_supported (served), else an oauth2 authorizationCode flow or openIdConnect declared in an OpenAPI (documented)
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document
Documented Reversibility +6 pts — a reversal operation in the contract, graded up when a window is documented too

5 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Developer Ergonomics scores 32.6 — up to +13.5 composite points
Contract Quality scores 69.2 — up to +7.7 composite points
Contract Governance scores 35.6 — up to +7.7 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/underly/apis.yml: open an issue on github.com/api-evangelist/underly to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 1

Individual APIs this provider publishes, each with its own machine-readable definition.

Underly Analyses API

The Analyses API from Underly — 7 operation(s) for analyses.

Pricing Plans 1

Published pricing tiers and plan structures.

Underly Plans Pricing

2 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Underly Rate Limits

1 limits

RATE LIMITS

Event Specifications 1

AsyncAPI definitions for this provider's event-driven and streaming APIs.

Underly Webhooks

ASYNCAPI

Semantic Vocabularies 1

JSON-LD contexts and semantic vocabularies used across these APIs.

Underly Context

7 classes · 31 properties

JSON-LD

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Underly API Rules

14 rules · 12 errors 1 warnings 1 info

SPECTRAL

OpenAPI Overlays 1

Overlays applied on top of this provider's contracts. Each card says who wrote it: a document the provider publishes, or one API Evangelist derived or generated.

Underly Openapi Overlay

0 actions · update

UNRECORDED

JSON Schema 5

Standalone JSON Schema definitions for this provider's data models.

AnalysisListItem

10 properties

JSON SCHEMA

Analysis

9 properties

JSON SCHEMA

Intake

3 properties

JSON SCHEMA

Position

12 properties

JSON SCHEMA

TransactionPage

4 properties

JSON SCHEMA

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Underly Authentication

1 scheme

SECURITY

Underly Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Underly Scopes

OAuth 2.0 · no documented scopes

0 scopes

SCOPES

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Underly Agentic Access

16 operations · 4 acting

AGENTIC

Resources

Get Started 1

Portal, sign-up, and the first successful call

Login

Documentation 1

Reference material describing how the API behaves

APIReference

APIReference

Agent Surfaces 3

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgenticAccess

AgentSkill

AgentSkill

LLMsTxt

LLMsTxt

Design & Contract 9

Pagination, idempotency, versioning, errors, and events

Spectral

JSONLD

Vocabulary

Webhooks

DataModel

Idempotency

Conventions

ErrorCatalog

Conformance

Scroll for all 9

Build 2

SDKs, sample code, and the tooling you integrate with

SDKs

SDKs

Packages

Packages

Access & Security 2

Authentication, authorization, and security posture

Authentication

Authentication

DomainSecurity

DomainSecurity

Operate 3

Status, limits, changes, and where to get help

RateLimits

RateLimits

ChangeLog

ChangeLog

ChangeLog

ChangeLog

Commercial 4

Pricing, plans, and the legal terms of use

Plans

Pricing

TermsOfService

PrivacyPolicy

Company 1

The organization behind the API

Website

Website

Other 2

Properties that don't map to a standard resource type

Hosts

Hosts

Vendors

Vendors

Source (apis.yml)

aid: underly
name: Underly
description: Underly provides automated bank statement analysis for lenders, brokers, and accountants, extracting true revenue,
  positions, NSF events, and exportable data. By parsing every line of a bank statement against printed balances, Underly
  delivers accurate financial insights that streamline underwriting, risk assessment, and accounting workflows. The platform
  is built to integrate with lending and accounting systems, offering real‑time verification and compliance reporting.
image: https://underly.app/_next/static/immutable/media/social-image.3o7a6ninl_6dd.png
url: https://artifacts.apis.io/underly/apis.yml
x-type: company
x-source: harvest:new-submission
x-tier: profiled
x-tier-reason: enrichment pass 2026-10-30 (modular-v1; was harvest)
specificationVersion: '0.20'
created: '2026-10-30'
modified: '2026-10-30'
tags:
- FinTech
- Banking
- Data Analysis
- Lending
- Accounting
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: AgenticAccess
  url: agentic-access/underly-agentic-access.yml
- type: RateLimits
  url: rate-limits/underly-rate-limits.yml
- type: Plans
  url: plans/underly-plans-pricing.yml
- type: Spectral
  url: rules/underly-rules.yml
- type: JSONLD
  url: json-ld/underly-context.jsonld
- type: Vocabulary
  url: vocabulary/underly-vocabulary.yml
- type: AgentSkill
  url: skills/_index.yml
- type: Webhooks
  url: asyncapi/underly-webhooks.yml
- type: DataModel
  url: data-model/underly-data-model.yml
- type: ChangeLog
  url: changelog/underly-changelog.yml
- type: Idempotency
  url: conventions/underly-conventions.yml
- type: Conventions
  url: conventions/underly-conventions.yml
- type: Authentication
  url: authentication/underly-authentication.yml
- type: ErrorCatalog
  url: errors/underly-problem-types.yml
- type: Conformance
  url: conformance/underly-conformance.yml
- type: LLMsTxt
  url: llms/underly-llms.txt
- type: Hosts
  url: hosts/underly-hosts.yml
- type: Vendors
  url: vendors/underly-vendors.yml
- type: SDKs
  url: packages/underly-packages.yml
- type: Packages
  url: packages/underly-packages.yml
- type: Login
  url: https://underly.app/login
- type: ChangeLog
  url: https://underly.app/changelog
- type: APIReference
  url: https://underly.app/docs/api
- type: DomainSecurity
  url: security/underly-domain-security.yml
- type: Website
  url: https://underly.app
- type: Pricing
  url: https://underly.app/pricing
- type: TermsOfService
  url: https://underly.app/terms
- type: PrivacyPolicy
  url: https://underly.app/privacy
apis:
- aid: underly:underly-analyses-api
  name: Underly Analyses API
  description: The Analyses API from Underly — 7 operation(s) for analyses.
  humanURL: https://underly.app/docs/api
  baseURL: https://api.underly.app/v1
  tags:
  - Analyses
  properties:
  - type: OpenAPI
    url: openapi/underly-analyses-api-openapi.yml
  - type: JSONSchema
    url: json-schema/underly-analysis-schema.json
  - type: JSONSchema
    url: json-schema/underly-transaction-page-schema.json
  - type: JSONSchema
    url: json-schema/underly-analysis-list-item-schema.json
  - type: JSONSchema
    url: json-schema/underly-intake-schema.json
  - type: JSONSchema
    url: json-schema/underly-position-schema.json
x-enrichment:
  date: '2026-10-30'
  status: enriched
  artifacts_added: 33
  pass: modular-v1
  engine: identity=oss,contract=oss,surfaces=oss,docs=oss,regulatory=oss

Underly API — frequently asked questions

Does Underly have an API?

Yes. APIs.io lists 1 API from Underly, including Underly Analyses API.

Is there an OpenAPI specification for the Underly API?

Yes. APIs.io indexes 1 OpenAPI specification for Underly, each linked for download from this page.

How do I authenticate with the Underly API?

Underly uses bearer-token authentication (1 scheme). The details are profiled on APIs.io as Underly Authentication.

How much does the Underly API cost?

APIs.io lists 2 pricing plans for Underly, with each plan's price, limits and inclusions under Pricing Plans on this page.

Is the Underly API ready for AI agents?

Underly has a Kin Score of 55.6 out of 100 (strong) and an Agent Readiness score of 37.7 (agent-ready), scored by API Evangelist on 2026-10-31.

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