Wagestream

Wagestream — trading as Stream since its 2025 rebrand — is a UK-founded, B Corp certified workplace financial wellbeing platform that gives hourly and salaried employees earned wage access (flexible pay), shift and pay tracking, workplace savings, budgeting tools, salary-deducted workplace loans, benefits and state-benefit claim support, financial coaching and discounts, delivered as a mobile app funded by the employer rather than the worker. Employers connect their HR, workforce management and payroll systems to Stream through the Wagestream Integrations API — a small, batch-oriented REST push API over employees, shifts (time and attendance), absences, off-cycle payments and Stream-generated enrolment banking records — or via SFTP file feeds and browser upload into the employer administration portal. The API is API-key authenticated, asynchronous (every write returns a transaction id polled through a matching GET), and idempotent through an optional per-request nonce.

Wagestream publishes 5 API contracts indexed on the APIs.io network, including Absences API, Employees API, Enrollment API, and 2 more. Tagged areas include Financial Wellbeing, Earned Wage Access, Fintech, Payroll, and Human Resources.

The Wagestream catalog on APIs.io includes 1 Spectral governance ruleset.

Wagestream’s developer surface includes authentication, documentation, API reference, getting-started guide, support, engineering blog, signup flow, and 24 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

50.7/100 developing ▲ 5.0 Agent 25/100 agent aware Front door AI 1/6 silent Heartbeat 48/100 alive saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

1 published contract 4 Agent Skills

Financial WellbeingEarned Wage Access Fintech Payroll Human Resources Workforce Management Time and Attendance Employee BenefitsWorkplace SavingsHR IntegrationsB Corp United Kingdom

What this lets a business do 1

Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →

Human Capital Management

BC-300

AbsencesEmployees

POST /employees POST /absences

Kin Score

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

Composite quality — 50.7/100 · developing

Contract Quality 9.3 / 19

Developer Ergonomics 9.9 / 15

Access Clarity 6.3 / 15

Operational Transparency 1.8 / 10

Contract Governance 2.9 / 9

Discoverability 5.5 / 8

Regulatory Posture 4.4 / 15

Create-or-Update Ergonomics 2.2 / 10

Agent readiness — 25/100 · agent aware

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 7 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 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 0 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Employment & Payroll 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 applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% 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
Rate-Limit Signaling +7 pts — OpenAPI responses document X-RateLimit-* / RateLimit headers (verified), else a rate_limits artifact or RateLimits link (documented)
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document
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)
Typed Event Surface +6 pts — AsyncAPI document, OR webhooks/callbacks objects in the as-published OpenAPI, OR common[].type includes Webhooks

7 more unmet checks in the Agent Readiness table above.

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

Contract Quality scores 49.8 — up to +12.6 composite points
Access Clarity scores 42.1 — up to +11.6 composite points
Operational Transparency scores 18.4 — up to +10.6 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/wagestream/apis.yml: open an issue on github.com/api-evangelist/wagestream 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 →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
Consumer Lending Licensing (UK, US, Canada credit licence registers)	regulated	19.2 (thin)	-	-

Spectral governance rulesets for linting and validating these APIs.

Wagestream API Rules

61 rules · 55 errors 3 warnings 3 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.

Wagestream Integrations Api Overlay

10 actions · documentation · wagestream-integrations-api-openapi.yml

DERIVED

Security Posture 3

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

Wagestream Authentication

apiKey · 1 scheme

SECURITY

Wagestream Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Wagestream Trust Center

trust center published

SECURITY

Agentic Access 1

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

Wagestream Agentic Access

11 operations · 6 acting

AGENTIC

Resources

Get Started 5

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

GettingStarted

GettingStarted

SignUp

SignUp

Login

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

X-MCPServerCandidate

AgenticAccess

LLMsTxt

AgentSkill

Design & Contract 7

Pagination, idempotency, versioning, errors, and events

Conventions

Idempotency

ErrorCatalog

ErrorCodes

Lifecycle

Conformance

DataModel

Scroll for all 7

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Access & Security 4

Authentication, authorization, and security posture

Authentication

DomainSecurity

TrustCenter

Compliance

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 2

The organization behind the API

Website

Website

Blog

Blog

Other 2

Properties that don't map to a standard resource type

CapabilityMap

CapabilityMap

Overlay

Overlay

Source (apis.yml)

aid: wagestream
name: Wagestream
description: Wagestream — trading as Stream since its 2025 rebrand — is a UK-founded, B Corp certified workplace financial
  wellbeing platform that gives hourly and salaried employees earned wage access (flexible pay), shift and pay tracking, workplace
  savings, budgeting tools, salary-deducted workplace loans, benefits and state-benefit claim support, financial coaching
  and discounts, delivered as a mobile app funded by the employer rather than the worker. Employers connect their HR, workforce
  management and payroll systems to Stream through the Wagestream Integrations API — a small, batch-oriented REST push API
  over employees, shifts (time and attendance), absences, off-cycle payments and Stream-generated enrolment banking records
  — or via SFTP file feeds and browser upload into the employer administration portal. The API is API-key authenticated, asynchronous
  (every write returns a transaction id polled through a matching GET), and idempotent through an optional per-request nonce.
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - authentication
  - security
  - sandbox
  generated: '2026-11-06'
  method: derived
image: https://stream.co/api/media/file/Home_Hero_Left.webp
url: https://raw.githubusercontent.com/api-evangelist/wagestream/refs/heads/main/apis.yml
x-type: company
specificationVersion: '0.23'
created: '2026-08-05'
modified: '2026-08-05'
x-docs-platform: readme
x-docs-platform-confidence: high
x-docs-platform-checked: 2026-10-17
tags:
- Financial Wellbeing
- Earned Wage Access
- Fintech
- Payroll
- Human Resources
- Workforce Management
- Time and Attendance
- Employee Benefits
- Workplace Savings
- HR Integrations
- B Corp
- United Kingdom
tags_raw:
- financial-wellbeing
- earned-wage-access
- fintech
- payroll
- human-resources
- workforce-management
- time-and-attendance
- employee-benefits
- workplace-savings
- hr-integrations
- b-corp
- united-kingdom
apis:
- aid: wagestream:wagestream-absences-api
  name: Wagestream Absences API
  description: Operations relating to absences
  humanURL: https://connect.stream.co/reference
  baseURL: https://publicapi.wagestream.io/pushapi-prod
  tags:
  - Absences
  tags_raw:
  - absences
  properties:
  - type: OpenAPI
    url: openapi/wagestream-absences-api-openapi.yml
  - type: Documentation
    url: https://connect.stream.co/docs/welcome
  - type: APIReference
    url: https://connect.stream.co/reference
  - type: GettingStarted
    url: https://connect.stream.co/docs/overview-1
  - type: Authentication
    url: https://connect.stream.co/docs/api-authentication-guide
- aid: wagestream:wagestream-employees-api
  name: Wagestream Employees API
  description: Operations relating to employees
  humanURL: https://connect.stream.co/reference
  baseURL: https://publicapi.wagestream.io/pushapi-prod
  tags:
  - Employees
  tags_raw:
  - employees
  properties:
  - type: OpenAPI
    url: openapi/wagestream-employees-api-openapi.yml
  - type: Documentation
    url: https://connect.stream.co/docs/welcome
  - type: APIReference
    url: https://connect.stream.co/reference
  - type: GettingStarted
    url: https://connect.stream.co/docs/overview-1
  - type: Authentication
    url: https://connect.stream.co/docs/api-authentication-guide
- aid: wagestream:wagestream-enrollment-api
  name: Wagestream Enrollment API
  description: Operations relating to enrolling employees in Wagestream
  humanURL: https://connect.stream.co/reference
  baseURL: https://publicapi.wagestream.io/pushapi-prod
  tags:
  - Enrollment
  tags_raw:
  - enrollment
  properties:
  - type: OpenAPI
    url: openapi/wagestream-enrollment-api-openapi.yml
  - type: Documentation
    url: https://connect.stream.co/docs/welcome
  - type: APIReference
    url: https://connect.stream.co/reference
  - type: GettingStarted
    url: https://connect.stream.co/docs/overview-1
  - type: Authentication
    url: https://connect.stream.co/docs/api-authentication-guide
- aid: wagestream:wagestream-off-cycle-payment-api
  name: Wagestream Off Cycle Payment API
  description: Operations relating to off-cycle payments
  humanURL: https://connect.stream.co/reference
  baseURL: https://publicapi.wagestream.io/pushapi-prod
  tags:
  - off-cycle-payment
  properties:
  - type: OpenAPI
    url: openapi/wagestream-off-cycle-payment-api-openapi.yml
  - type: Documentation
    url: https://connect.stream.co/docs/welcome
  - type: APIReference
    url: https://connect.stream.co/reference
  - type: GettingStarted
    url: https://connect.stream.co/docs/overview-1
  - type: Authentication
    url: https://connect.stream.co/docs/api-authentication-guide
- aid: wagestream:wagestream-shifts-api
  name: Wagestream Shifts API
  description: Operations relating to Shifts
  humanURL: https://connect.stream.co/reference
  baseURL: https://publicapi.wagestream.io/pushapi-prod
  tags:
  - Shifts
  tags_raw:
  - shifts
  properties:
  - type: OpenAPI
    url: openapi/wagestream-shifts-api-openapi.yml
  - type: Documentation
    url: https://connect.stream.co/docs/welcome
  - type: APIReference
    url: https://connect.stream.co/reference
  - type: GettingStarted
    url: https://connect.stream.co/docs/overview-1
  - type: Authentication
    url: https://connect.stream.co/docs/api-authentication-guide
x-enrichment:
  date: '2026-08-05'
  status: enriched
  artifacts_added: 18
  pass: local-v1
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: CapabilityMap
  url: capabilities/wagestream-capability-edges.yml
  name: Wagestream Business Capability Map
- type: X-MCPServerCandidate
  url: mcp/wagestream-mcp.yml
  note: 'Renamed from MCPServer 2026-09-03 (roadmap#247): the manifest self-describes as status: candidate — a tool list derived
    from the published API contracts, not an existing server. The scorer already read the manifest and reported mcp_server
    correctly; the MCPServer type was crediting the artifact-type surfaces with a server that does not exist.'
- type: Authentication
  url: authentication/wagestream-authentication.yml
- type: DomainSecurity
  url: security/wagestream-domain-security.yml
- type: Website
  url: https://stream.co/en
- type: DeveloperPortal
  url: https://connect.stream.co/
- type: Documentation
  url: https://connect.stream.co/docs/welcome
- type: APIReference
  url: https://connect.stream.co/reference
- type: GettingStarted
  url: https://connect.stream.co/docs/overview-1
- type: Support
  url: https://help.stream.co/
- type: Blog
  url: https://stream.co/en/articles
- type: GitHubOrganization
  url: https://github.com/wagestream
- type: SignUp
  url: https://stream.co/en/book-a-demo
- type: Login
  url: https://stream.co/en-us/login
- type: TermsOfService
  url: https://stream.co/en/terms-of-use
- type: PrivacyPolicy
  url: https://stream.co/en/privacy-policy
- type: TrustCenter
  url: https://trust.stream.co/
- type: Compliance
  url: https://stream.co/en-us/stream-licenses-compliance
- type: StatusPage
  url: https://status.stream.co/
- type: Integrations
  url: https://stream.co/en/products/integrations
- type: AgenticAccess
  url: agentic-access/wagestream-agentic-access.yml
- type: Conventions
  url: conventions/wagestream-conventions.yml
- type: Idempotency
  url: conventions/wagestream-conventions.yml
- type: ErrorCatalog
  url: errors/wagestream-problem-types.yml
- type: ErrorCodes
  url: errors/wagestream-error-codes.yml
- type: Lifecycle
  url: lifecycle/wagestream-lifecycle.yml
- type: Conformance
  url: conformance/wagestream-conformance.yml
- type: DataModel
  url: data-model/wagestream-data-model.yml
- type: Sandbox
  url: sandbox/wagestream-sandbox.yml
- type: Overlay
  url: overlays/wagestream-integrations-api-overlay.yaml
- type: LLMsTxt
  url: llms/wagestream-llms.txt
- type: AgentSkill
  url: skills/_index.yml

Wagestream API — frequently asked questions

Does Wagestream have an API?

Yes. APIs.io lists 5 APIs from Wagestream, including Wagestream Absences API, Wagestream Employees API and Wagestream Enrollment API, and 2 more.

Is there an OpenAPI specification for the Wagestream API?

Yes. APIs.io indexes 5 OpenAPI specifications for Wagestream, each linked for download from this page.

How do I authenticate with the Wagestream API?

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

Is the Wagestream API ready for AI agents?

Wagestream has a Kin Score of 50.7 out of 100 (developing) and an Agent Readiness score of 25.3 (agent-aware), scored by API Evangelist on 2026-11-06.

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