UniCredit

UniCredit is a leading European banking group offering a full range of financial services, including corporate and investment banking, retail banking, asset management, and digital solutions. With a strong presence across Europe and a focus on innovation, UniCredit serves corporate clients, SMEs, and private customers, providing tailored financing, payment services, and advisory. The group emphasizes sustainability, digital transformation, and customer-centric approaches, operating in over 20 countries with a robust network of branches and digital channels.

UniCredit is listed with 2 APIs on the APIs.io network, including Hydrogen API, and 1 more. Tagged areas include Company, Banking, Financial Services, Europe, and Corporate Banking.

The UniCredit catalog on APIs.io includes 1 JSON-LD context and 1 Spectral governance ruleset.

UniCredit’s developer surface includes authentication, getting-started guide, documentation, and 11 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

20.0/100 emerging ▼ -5.2 Agent 20/100 agent aware Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

2 APIs

Company Banking Financial Services Europe Corporate Banking

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 20.0/100 · emerging

Contract Quality 4.0 / 21

Developer Ergonomics 3.8 / 17

Access Clarity 2.4 / 17

Operational Transparency 0.0 / 11

Contract Governance 2.2 / 10

Discoverability 5.2 / 9

Regulatory Posture 2.3 / 15

Agent readiness — 20/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 6 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 9 / 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 4 / 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

MCP Tool Quality 6 / 6

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 does not apply to this provider. The published contracts declare no write operations, and a read-only API cannot create-or-update. The facet is excluded from this provider's denominator entirely — not scored zero. A reference or data API is not deficient for being unable to upsert.

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
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Rate-Limit Signaling +7 pts — OpenAPI responses document X-RateLimit-* / RateLimit headers (verified), else a rate_limits artifact or RateLimits link (documented)
Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link

8 more unmet checks in the Agent Readiness table above.

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

Contract Quality scores 18.9 — up to +20.3 composite points
Access Clarity scores 14.3 — up to +17.1 composite points
Developer Ergonomics scores 22.6 — up to +15.5 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/unicredit/apis.yml: open an issue on github.com/api-evangelist/unicredit 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 →

Standards implemented 1

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

OpenAPI

measured — observed by APIs.io (published)

APIs 2

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

UniCredit API

Public API catalog for UniCredit developers

UniCredit Hydrogen API

The Hydrogen API from UniCredit — 2 operation(s) for hydrogen.

Semantic Vocabularies 1

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

Unicredit Context

2 classes · 3 properties

JSON-LD

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

UniCredit API Rules

10 rules · 8 errors 1 warnings 1 info

SPECTRAL

JSON Schema 2

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

GetHydrogenV1AccountsAccountidResponse

1 properties

JSON SCHEMA

GetHydrogenV1AccountsAccountidTransactionsResponse

2 properties

JSON SCHEMA

Security Posture 2

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

Unicredit Authentication

1 scheme

SECURITY

Unicredit Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Resources

Get Started 1

Portal, sign-up, and the first successful call

GettingStarted

GettingStarted

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

Design & Contract 5

Pagination, idempotency, versioning, errors, and events

Spectral

JSONLD

Vocabulary

DataModel

Conformance

Access & Security 2

Authentication, authorization, and security posture

Authentication

Authentication

DomainSecurity

DomainSecurity

Commercial 1

Pricing, plans, and the legal terms of use

PrivacyPolicy

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: unicredit
name: UniCredit
description: UniCredit is a leading European banking group offering a full range of financial services, including corporate
  and investment banking, retail banking, asset management, and digital solutions. With a strong presence across Europe and
  a focus on innovation, UniCredit serves corporate clients, SMEs, and private customers, providing tailored financing, payment
  services, and advisory. The group emphasizes sustainability, digital transformation, and customer-centric approaches, operating
  in over 20 countries with a robust network of branches and digital channels.
url: https://raw.githubusercontent.com/api-evangelist/unicredit/refs/heads/main/apis.yml
x-type: company
x-source: harvest:tag-qc
x-tier: profiled
x-tier-reason: enrichment pass 2026-10-15 (modular-v1; was harvest)
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  probe_state: unreadable
  source:
  - authentication
  - security
  generated: '2026-11-06'
  method: derived
specificationVersion: '0.20'
created: '2026-10-14'
modified: '2026-10-14'
tags:
- Company
- Banking
- Financial Services
- Europe
- Corporate Banking
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: LLMsTxt
  url: llms/unicredit-llms.txt
- type: Spectral
  url: rules/unicredit-rules.yml
- type: JSONLD
  url: json-ld/unicredit-context.jsonld
- type: Vocabulary
  url: vocabulary/unicredit-vocabulary.yml
- type: DataModel
  url: data-model/unicredit-data-model.yml
- type: Authentication
  url: authentication/unicredit-authentication.yml
- type: Conformance
  url: conformance/unicredit-conformance.yml
- type: Hosts
  url: hosts/unicredit-hosts.yml
- type: Vendors
  url: vendors/unicredit-vendors.yml
- type: PrivacyPolicy
  url: https://www.unicreditgroup.eu/en/info/privacy.html
- type: GettingStarted
  url: https://developer.unicredit.eu/support/getting-started-public
- type: Documentation
  url: https://developer.unicredit.eu/
- type: DomainSecurity
  url: security/unicredit-domain-security.yml
- type: Website
  url: https://www.unicredit.eu
apis:
- name: UniCredit API
  description: Public API catalog for UniCredit developers
  humanURL: https://developer.unicredit.eu/apis-catalog
  baseURL: null
  aid: unicredit:unicredit-api
  properties:
  - type: OpenAPI
    url: openapi/_ae-authored/unicredit-openapi-generated.yml
    x-provenance: generated
- aid: unicredit:unicredit-hydrogen-api
  name: UniCredit Hydrogen API
  description: The Hydrogen API from UniCredit — 2 operation(s) for hydrogen.
  humanURL: https://developer.unicredit.eu/apis-catalog
  tags:
  - Hydrogen
  properties:
  - type: OpenAPI
    url: openapi/unicredit-hydrogen-api-openapi.yml
  - type: JSONSchema
    url: json-schema/unicredit-get-hydrogen-v1-accounts-accountid-transactions-response-schema.json
  - type: JSONSchema
    url: json-schema/unicredit-get-hydrogen-v1-accounts-accountid-response-schema.json
x-coverage:
  state: unreadable
  reason: no-machine-readable-spec
  detail: Developer portal provides only HTML pages without OpenAPI or other machine-readable contracts.
  evidence:
  - url: https://api.unicredit.eu/openapi.json
    status: 0
  checked: '2026-10-15'
x-enrichment:
  date: '2026-10-15'
  status: enriched
  artifacts_added: 15
  pass: modular-v1
  engine: identity=local,contract=local,surfaces=local,docs=local,regulatory=local

UniCredit API — frequently asked questions

Does UniCredit have an API?

Yes. APIs.io lists 2 APIs from UniCredit, including UniCredit API and UniCredit Hydrogen API.

Is there an OpenAPI specification for the UniCredit API?

Yes. APIs.io indexes 2 OpenAPI specifications for UniCredit, each linked for download from this page.

How do I authenticate with the UniCredit API?

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

Is the UniCredit API ready for AI agents?

UniCredit has a Kin Score of 20.0 out of 100 (emerging) and an Agent Readiness score of 19.9 (agent-aware), scored by API Evangelist on 2026-11-06.

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