Upward Financial

Upward Financial (Upwardli) is a Techstars-backed embedded-finance platform that lets banks, fintechs, and gig platforms launch credit products for their customers without building the stack themselves. Its Credit Suite API and embeddable UI components cover credit builder cards and credit lines, bill payments and bureau bill reporting, direct payouts, money movement (ACH, AFT/OCT, instant, P2P, book transfers), cashback rewards, statements, and credit insights, with OAuth 2.0 machine-to-machine auth, RFC 8693 token exchange for consumer-scoped client tokens, an HMAC-signed webhook event catalog, an isolated sandbox with reserved SSN test cases and transaction simulators, a published OpenAPI 3.1, llms.txt, and a hosted docs MCP server.

Upward Financial publishes 17 APIs on the APIs.io network, including accounts API, auth API, billPayments API, and 14 more. Tagged areas include Company, FinTech, Credit, Credit Building, and Payments.

The Upward Financial catalog on APIs.io includes 1 event-driven AsyncAPI specification.

Upward Financial’s developer surface includes documentation, API reference, getting-started guide, support, authentication, sandbox, and 21 more developer resources.

🌐 Visit website 📡 Source on GitHub
51.4/100 developing ▬ flat Agent 61/100 agent native Full breakdown ↓
scored 2026-07-27 · rubric v0.5
AccessSelf serve
17 APIs 1 MCP Servers
CompanyFinTechCreditCredit BuildingPaymentsCardsEmbedded FinanceBill PayBankingKYC

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 51.4/100 · developing
Contract Quality 14.7 / 25
Developer Ergonomics 14.3 / 20
Commercial Clarity 4.2 / 20
Operational Transparency 3.8 / 13
Governance 0.0 / 12
Discoverability 10.0 / 10
Agent readiness — 61/100 · agent native
Machine-Readable Contract 18 / 18
Agentic Access Contract 0 / 15
MCP Server 12 / 12
Machine-Readable Auth 10 / 10
Idempotency 0 / 9
Stable Error Semantics 8 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 6 / 6
Agent Skills 5 / 5
Well-Known Catalog 4 / 4
Consent & Bot Identity 0 / 3
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/upward-financial: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 17

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

Upward Financial accounts API

The accounts API from Upward Financial — 2 operation(s) for accounts.

Upward Financial auth API

The auth API from Upward Financial — 2 operation(s) for auth.

Upward Financial billPayments API

The billPayments API from Upward Financial — 4 operation(s) for billpayments.

Upward Financial billReporting API

The billReporting API from Upward Financial — 9 operation(s) for billreporting.

Upward Financial billSwitch API

The billSwitch API from Upward Financial — 2 operation(s) for billswitch.

Upward Financial cbaas API

The cbaas API from Upward Financial — 5 operation(s) for cbaas.

Upward Financial consumers API

The consumers API from Upward Financial — 13 operation(s) for consumers.

Upward Financial creditInsights API

The creditInsights API from Upward Financial — 1 operation(s) for creditinsights.

Upward Financial onboarding API

The onboarding API from Upward Financial — 11 operation(s) for onboarding.

Upward Financial partners API

The partners API from Upward Financial — 5 operation(s) for partners.

Upward Financial paymentCards API

The paymentCards API from Upward Financial — 10 operation(s) for paymentcards.

Upward Financial payments API

The payments API from Upward Financial — 12 operation(s) for payments.

Upward Financial plaid API

The plaid API from Upward Financial — 2 operation(s) for plaid.

Upward Financial rewards API

The rewards API from Upward Financial — 4 operation(s) for rewards.

Upward Financial simulations API

The simulations API from Upward Financial — 3 operation(s) for simulations.

Upward Financial statements API

The statements API from Upward Financial — 3 operation(s) for statements.

Upward Financial webhooks API

The webhooks API from Upward Financial — 3 operation(s) for webhooks.

Scroll for all 17

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

upward-financial-mcp.yml

MCP SERVER

Event Specifications 1

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

Upward Financial Webhooks

ASYNCAPI

Security Posture 2

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

Upward Financial Authentication

http/oauth2 · 3 schemes

SECURITY

Upward Financial Domain Security

TLSv1.2 · HSTS · DMARC

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Upward Financial Scopes

9 scopes · clientCredentials/token-exchange (urn:ietf:params:oauth:grant-type:token-exchange)

9 scopes

SCOPES

Resources

Get Started 3

Portal, sign-up, and the first successful call

DeveloperPortal
DeveloperPortal
 GettingStarted
GettingStarted
 Sandbox
Sandbox

Documentation 2

Reference material describing how the API behaves

Documentation
Documentation
 APIReference
APIReference

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

MCPServer
MCPServer
 LLMsTxt
LLMsTxt
 WellKnown
WellKnown
 AgentSkill
AgentSkill

Design & Contract 7

Pagination, idempotency, versioning, errors, and events

Webhooks
Webhooks
 Components
Components
 Conventions
Conventions
 ErrorCatalog
ErrorCatalog
 Lifecycle
Lifecycle
 Conformance
Conformance
 DataModel
DataModel

Scroll for all 7

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization
GitHubOrganization

Access & Security 3

Authentication, authorization, and security posture

Authentication
Authentication
 OAuthScopes
OAuthScopes
 DomainSecurity
DomainSecurity

Operate 2

Status, limits, changes, and where to get help

Support
Support
 StatusPage
StatusPage

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService
TermsOfService
 PrivacyPolicy
PrivacyPolicy

Company 1

The organization behind the API

Website
Website

Other 2

Properties that don't map to a standard resource type

APICatalog
APICatalog
 Overlay
Overlay

Source (apis.yml)

apis.yml Raw ↑ 
aid: upward-financial
name: Upward Financial
description: Upward Financial (Upwardli) is a Techstars-backed embedded-finance platform that lets banks, fintechs, and gig
  platforms launch credit products for their customers without building the stack themselves. Its Credit Suite API and embeddable
  UI components cover credit builder cards and credit lines, bill payments and bureau bill reporting, direct payouts, money
  movement (ACH, AFT/OCT, instant, P2P, book transfers), cashback rewards, statements, and credit insights, with OAuth 2.0
  machine-to-machine auth, RFC 8693 token exchange for consumer-scoped client tokens, an HMAC-signed webhook event catalog,
  an isolated sandbox with reserved SSN test cases and transaction simulators, a published OpenAPI 3.1, llms.txt, and a hosted
  docs MCP server.
url: https://raw.githubusercontent.com/api-evangelist/upward-financial/refs/heads/main/apis.yml
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://avatars.githubusercontent.com/u/87385560?v=4
x-type: company
x-source: vc-portfolio
x-backed-by:
- techstars
x-enrichment:
  date: '2026-07-21'
  status: enriched
  artifacts_added: 21
  pass: local-v1
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-21'
tags:
- Company
- FinTech
- Credit
- Credit Building
- Payments
- Cards
- Embedded Finance
- Bill Pay
- Banking
- KYC
apis:
- aid: upward-financial:upward-financial-accounts-api
  name: Upward Financial accounts API
  description: The accounts API from Upward Financial — 2 operation(s) for accounts.
  humanURL: https://developers.upwardli.com/
  baseURL: https://api.upwardli.com/v2
  tags:
  - accounts
  properties:
  - type: OpenAPI
    url: openapi/upward-financial-accounts-api-openapi.yml
  - type: Documentation
    url: https://developers.upwardli.com/get-started/introduction
  - type: APIReference
    url: https://developers.upwardli.com/api-access/reference
- aid: upward-financial:upward-financial-auth-api
  name: Upward Financial auth API
  description: The auth API from Upward Financial — 2 operation(s) for auth.
  humanURL: https://developers.upwardli.com/
  baseURL: https://api.upwardli.com/v2
  tags:
  - auth
  properties:
  - type: OpenAPI
    url: openapi/upward-financial-auth-api-openapi.yml
  - type: Documentation
    url: https://developers.upwardli.com/get-started/introduction
  - type: APIReference
    url: https://developers.upwardli.com/api-access/reference
- aid: upward-financial:upward-financial-billpayments-api
  name: Upward Financial billPayments API
  description: The billPayments API from Upward Financial — 4 operation(s) for billpayments.
  humanURL: https://developers.upwardli.com/
  baseURL: https://api.upwardli.com/v2
  tags:
  - billPayments
  properties:
  - type: OpenAPI
    url: openapi/upward-financial-billpayments-api-openapi.yml
  - type: Documentation
    url: https://developers.upwardli.com/get-started/introduction
  - type: APIReference
    url: https://developers.upwardli.com/api-access/reference
- aid: upward-financial:upward-financial-billreporting-api
  name: Upward Financial billReporting API
  description: The billReporting API from Upward Financial — 9 operation(s) for billreporting.
  humanURL: https://developers.upwardli.com/
  baseURL: https://api.upwardli.com/v2
  tags:
  - billReporting
  properties:
  - type: OpenAPI
    url: openapi/upward-financial-billreporting-api-openapi.yml
  - type: Documentation
    url: https://developers.upwardli.com/get-started/introduction
  - type: APIReference
    url: https://developers.upwardli.com/api-access/reference
- aid: upward-financial:upward-financial-billswitch-api
  name: Upward Financial billSwitch API
  description: The billSwitch API from Upward Financial — 2 operation(s) for billswitch.
  humanURL: https://developers.upwardli.com/
  baseURL: https://api.upwardli.com/v2
  tags:
  - billSwitch
  properties:
  - type: OpenAPI
    url: openapi/upward-financial-billswitch-api-openapi.yml
  - type: Documentation
    url: https://developers.upwardli.com/get-started/introduction
  - type: APIReference
    url: https://developers.upwardli.com/api-access/reference
- aid: upward-financial:upward-financial-cbaas-api
  name: Upward Financial cbaas API
  description: The cbaas API from Upward Financial — 5 operation(s) for cbaas.
  humanURL: https://developers.upwardli.com/
  baseURL: https://api.upwardli.com/v2
  tags:
  - cbaas
  properties:
  - type: OpenAPI
    url: openapi/upward-financial-cbaas-api-openapi.yml
  - type: Documentation
    url: https://developers.upwardli.com/get-started/introduction
  - type: APIReference
    url: https://developers.upwardli.com/api-access/reference
- aid: upward-financial:upward-financial-consumers-api
  name: Upward Financial consumers API
  description: The consumers API from Upward Financial — 13 operation(s) for consumers.
  humanURL: https://developers.upwardli.com/
  baseURL: https://api.upwardli.com/v2
  tags:
  - consumers
  properties:
  - type: OpenAPI
    url: openapi/upward-financial-consumers-api-openapi.yml
  - type: Documentation
    url: https://developers.upwardli.com/get-started/introduction
  - type: APIReference
    url: https://developers.upwardli.com/api-access/reference
- aid: upward-financial:upward-financial-creditinsights-api
  name: Upward Financial creditInsights API
  description: The creditInsights API from Upward Financial — 1 operation(s) for creditinsights.
  humanURL: https://developers.upwardli.com/
  baseURL: https://api.upwardli.com/v2
  tags:
  - creditInsights
  properties:
  - type: OpenAPI
    url: openapi/upward-financial-creditinsights-api-openapi.yml
  - type: Documentation
    url: https://developers.upwardli.com/get-started/introduction
  - type: APIReference
    url: https://developers.upwardli.com/api-access/reference
- aid: upward-financial:upward-financial-onboarding-api
  name: Upward Financial onboarding API
  description: The onboarding API from Upward Financial — 11 operation(s) for onboarding.
  humanURL: https://developers.upwardli.com/
  baseURL: https://api.upwardli.com/v2
  tags:
  - onboarding
  properties:
  - type: OpenAPI
    url: openapi/upward-financial-onboarding-api-openapi.yml
  - type: Documentation
    url: https://developers.upwardli.com/get-started/introduction
  - type: APIReference
    url: https://developers.upwardli.com/api-access/reference
- aid: upward-financial:upward-financial-partners-api
  name: Upward Financial partners API
  description: The partners API from Upward Financial — 5 operation(s) for partners.
  humanURL: https://developers.upwardli.com/
  baseURL: https://api.upwardli.com/v2
  tags:
  - partners
  properties:
  - type: OpenAPI
    url: openapi/upward-financial-partners-api-openapi.yml
  - type: Documentation
    url: https://developers.upwardli.com/get-started/introduction
  - type: APIReference
    url: https://developers.upwardli.com/api-access/reference
- aid: upward-financial:upward-financial-paymentcards-api
  name: Upward Financial paymentCards API
  description: The paymentCards API from Upward Financial — 10 operation(s) for paymentcards.
  humanURL: https://developers.upwardli.com/
  baseURL: https://api.upwardli.com/v2
  tags:
  - paymentCards
  properties:
  - type: OpenAPI
    url: openapi/upward-financial-paymentcards-api-openapi.yml
  - type: Documentation
    url: https://developers.upwardli.com/get-started/introduction
  - type: APIReference
    url: https://developers.upwardli.com/api-access/reference
- aid: upward-financial:upward-financial-payments-api
  name: Upward Financial payments API
  description: The payments API from Upward Financial — 12 operation(s) for payments.
  humanURL: https://developers.upwardli.com/
  baseURL: https://api.upwardli.com/v2
  tags:
  - payments
  properties:
  - type: OpenAPI
    url: openapi/upward-financial-payments-api-openapi.yml
  - type: Documentation
    url: https://developers.upwardli.com/get-started/introduction
  - type: APIReference
    url: https://developers.upwardli.com/api-access/reference
- aid: upward-financial:upward-financial-plaid-api
  name: Upward Financial plaid API
  description: The plaid API from Upward Financial — 2 operation(s) for plaid.
  humanURL: https://developers.upwardli.com/
  baseURL: https://api.upwardli.com/v2
  tags:
  - plaid
  properties:
  - type: OpenAPI
    url: openapi/upward-financial-plaid-api-openapi.yml
  - type: Documentation
    url: https://developers.upwardli.com/get-started/introduction
  - type: APIReference
    url: https://developers.upwardli.com/api-access/reference
- aid: upward-financial:upward-financial-rewards-api
  name: Upward Financial rewards API
  description: The rewards API from Upward Financial — 4 operation(s) for rewards.
  humanURL: https://developers.upwardli.com/
  baseURL: https://api.upwardli.com/v2
  tags:
  - rewards
  properties:
  - type: OpenAPI
    url: openapi/upward-financial-rewards-api-openapi.yml
  - type: Documentation
    url: https://developers.upwardli.com/get-started/introduction
  - type: APIReference
    url: https://developers.upwardli.com/api-access/reference
- aid: upward-financial:upward-financial-simulations-api
  name: Upward Financial simulations API
  description: The simulations API from Upward Financial — 3 operation(s) for simulations.
  humanURL: https://developers.upwardli.com/
  baseURL: https://api.upwardli.com/v2
  tags:
  - simulations
  properties:
  - type: OpenAPI
    url: openapi/upward-financial-simulations-api-openapi.yml
  - type: Documentation
    url: https://developers.upwardli.com/get-started/introduction
  - type: APIReference
    url: https://developers.upwardli.com/api-access/reference
- aid: upward-financial:upward-financial-statements-api
  name: Upward Financial statements API
  description: The statements API from Upward Financial — 3 operation(s) for statements.
  humanURL: https://developers.upwardli.com/
  baseURL: https://api.upwardli.com/v2
  tags:
  - statements
  properties:
  - type: OpenAPI
    url: openapi/upward-financial-statements-api-openapi.yml
  - type: Documentation
    url: https://developers.upwardli.com/get-started/introduction
  - type: APIReference
    url: https://developers.upwardli.com/api-access/reference
- aid: upward-financial:upward-financial-webhooks-api
  name: Upward Financial webhooks API
  description: The webhooks API from Upward Financial — 3 operation(s) for webhooks.
  humanURL: https://developers.upwardli.com/
  baseURL: https://api.upwardli.com/v2
  tags:
  - webhooks
  properties:
  - type: OpenAPI
    url: openapi/upward-financial-webhooks-api-openapi.yml
  - type: Documentation
    url: https://developers.upwardli.com/get-started/introduction
  - type: APIReference
    url: https://developers.upwardli.com/api-access/reference
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://upwardli.com/
- type: DeveloperPortal
  url: https://developers.upwardli.com/
- type: Documentation
  url: https://developers.upwardli.com/get-started/introduction
- type: APIReference
  url: https://developers.upwardli.com/api-access/reference
- type: GettingStarted
  url: https://developers.upwardli.com/api-access/getting-started
- type: Support
  url: https://support.upwardli.com/hc/en-us/requests/new
- type: GitHubOrganization
  url: https://github.com/upwardli
- type: TermsOfService
  url: https://www.upwardli.com/legal/terms
- type: PrivacyPolicy
  url: https://www.upwardli.com/legal/privacypolicy
- type: StatusPage
  url: https://status.upwardli.com/
- type: Authentication
  url: authentication/upward-financial-authentication.yml
- type: OAuthScopes
  url: scopes/upward-financial-scopes.yml
- type: Webhooks
  url: asyncapi/upward-financial-webhooks.yml
- type: MCPServer
  url: mcp/upward-financial-mcp.yml
- type: LLMsTxt
  url: llms/upward-financial-llms.txt
- type: WellKnown
  url: well-known/upward-financial-well-known.yml
- type: APICatalog
  url: well-known/upward-financial-api-catalog.json
- type: Sandbox
  url: sandbox/upward-financial-sandbox.yml
- type: Components
  url: components/upward-financial-components.yml
- type: Conventions
  url: conventions/upward-financial-conventions.yml
- type: ErrorCatalog
  url: errors/upward-financial-problem-types.yml
- type: Lifecycle
  url: lifecycle/upward-financial-lifecycle.yml
- type: Conformance
  url: conformance/upward-financial-conformance.yml
- type: DataModel
  url: data-model/upward-financial-data-model.yml
- type: Overlay
  url: overlays/upward-financial-api-overlay.yaml
- type: AgentSkill
  url: skills/_index.yml
- type: DomainSecurity
  url: security/upward-financial-domain-security.yml