Xflow

Xflow is a cross-border payments platform for Indian businesses, freelancers, and exporters, enabling them to receive international payments through local collection accounts (ACH in the US, SEPA in the EU) with one-day INR settlement, transparent FX at mid-market rates, and automated FIRA and compliance reporting. The Xflow REST API exposes accounts, receivables, payment links, deposits, payouts, transfers, balances, exchange rates, and webhook endpoints so platforms and payment aggregators can embed compliant India-bound money movement.

Xflow publishes 18 APIs on the APIs.io network, including Accounts API, AccountSettings API, Addresses API, and 15 more. Tagged areas include Payments, Cross-Border Payments, Fintech, India, and Foreign Exchange.

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

Xflow’s developer surface includes documentation, API reference, getting-started guide, support, engineering blog, pricing, signup flow, and 27 more developer resources.

🌐 Visit website 📡 Source on GitHub
55.5/100 developing ▬ flat Agent 71/100 agent native Full breakdown ↓
scored 2026-07-27 · rubric v0.5
AccessSelf serve
18 APIs 1 MCP Servers
PaymentsCross-Border PaymentsFintechIndiaForeign ExchangeInvoicingPayouts

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 55.5/100 · developing
Contract Quality 14.7 / 25
Developer Ergonomics 17.0 / 20
Commercial Clarity 10.5 / 20
Operational Transparency 1.7 / 13
Governance 0.0 / 12
Discoverability 10.0 / 10
Agent readiness — 71/100 · agent native
Machine-Readable Contract 18 / 18
Agentic Access Contract 15 / 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 0 / 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/xflow: 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 18

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

Xflow Accounts API

The Accounts API from Xflow — 4 operation(s) for accounts.

Xflow AccountSettings API

The AccountSettings API from Xflow — 3 operation(s) for accountsettings.

Xflow Addresses API

The Addresses API from Xflow — 2 operation(s) for addresses.

Xflow Balance API

The Balance API from Xflow — 2 operation(s) for balance.

Xflow BalanceTransactions API

The BalanceTransactions API from Xflow — 2 operation(s) for balancetransactions.

Xflow Deposits API

The Deposits API from Xflow — 2 operation(s) for deposits.

Xflow Events API

The Events API from Xflow — 2 operation(s) for events.

Xflow ExchangeRates API

The ExchangeRates API from Xflow — 2 operation(s) for exchangerates.

Xflow FeePlans API

The FeePlans API from Xflow — 2 operation(s) for feeplans.

Xflow Files API

The Files API from Xflow — 3 operation(s) for files.

Xflow PaymentLinks API

The PaymentLinks API from Xflow — 6 operation(s) for paymentlinks.

Xflow Payments API

The Payments API from Xflow — 2 operation(s) for payments.

Xflow Payouts API

The Payouts API from Xflow — 2 operation(s) for payouts.

Xflow Persons API

The Persons API from Xflow — 2 operation(s) for persons.

Xflow Quotes API

The Quotes API from Xflow — 1 operation(s) for quotes.

Xflow Receivables API

The Receivables API from Xflow — 5 operation(s) for receivables.

Xflow Transfers API

The Transfers API from Xflow — 2 operation(s) for transfers.

Xflow WebhookEndpoints API

The WebhookEndpoints API from Xflow — 4 operation(s) for webhookendpoints.

Scroll for all 18

MCP Servers 1

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

Xflow MCP candidate manifest

MCP SERVER

Event Specifications 1

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

Xflow Webhooks

ASYNCAPI

Security Posture 2

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

Xflow Authentication

http · 1 scheme

SECURITY

Xflow Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Agentic Access 1

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

Xflow Agentic Access

71 operations · 34 acting

71 operations · 34 acting

AGENTIC

Resources

Get Started 6

Portal, sign-up, and the first successful call

DeveloperPortal
DeveloperPortal
 GettingStarted
GettingStarted
 SignUp
SignUp
 Login
Login
 Portal
Portal
 Sandbox
Sandbox

Documentation 3

Reference material describing how the API behaves

Documentation
Documentation
 APIReference
APIReference
 OpenAPI Source
OpenAPI Source

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt
LLMsTxt
 MCPServer
MCPServer
 AgenticAccess
AgenticAccess
 AgentSkill
AgentSkill

Design & Contract 7

Pagination, idempotency, versioning, errors, and events

ErrorCodes
ErrorCodes
 Webhooks
Webhooks
 Conformance
Conformance
 ErrorCatalog
ErrorCatalog
 Lifecycle
Lifecycle
 Conventions
Conventions
 DataModel
DataModel

Scroll for all 7

Build 5

SDKs, sample code, and the tooling you integrate with

GitHubOrganization
GitHubOrganization
 PostmanWorkspace
PostmanWorkspace
 Postman
Postman
 Packages
Packages
 SDKs
SDKs

Access & Security 3

Authentication, authorization, and security posture

Compliance
Compliance
 Authentication
Authentication
 DomainSecurity
DomainSecurity

Operate 1

Status, limits, changes, and where to get help

Support
Support

Commercial 3

Pricing, plans, and the legal terms of use

Pricing
Pricing
 TermsOfService
TermsOfService
 PrivacyPolicy
PrivacyPolicy

Company 2

The organization behind the API

Website
Website
 Blog
Blog

Source (apis.yml)

apis.yml Raw ↑ 
aid: xflow
name: Xflow
description: Xflow is a cross-border payments platform for Indian businesses, freelancers, and exporters, enabling them to
  receive international payments through local collection accounts (ACH in the US, SEPA in the EU) with one-day INR settlement,
  transparent FX at mid-market rates, and automated FIRA and compliance reporting. The Xflow REST API exposes accounts, receivables,
  payment links, deposits, payouts, transfers, balances, exchange rates, and webhook endpoints so platforms and payment aggregators
  can embed compliant India-bound money movement.
url: https://raw.githubusercontent.com/api-evangelist/xflow/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- general-catalyst
x-tier: enriched
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
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-21'
image: https://www.xflowpay.com/ogImage.png
tags:
- Payments
- Cross-Border Payments
- Fintech
- India
- Foreign Exchange
- Invoicing
- Payouts
apis:
- aid: xflow:xflow-accounts-api
  name: Xflow Accounts API
  description: The Accounts API from Xflow — 4 operation(s) for accounts.
  humanURL: https://docs.xflowpay.com/latest/api
  baseURL: https://api.xflowpay.com
  tags:
  - Accounts
  properties:
  - type: OpenAPI
    url: openapi/xflow-accounts-api-openapi.yml
  - type: Documentation
    url: https://docs.xflowpay.com/
  - type: APIReference
    url: https://docs.xflowpay.com/latest/api
- aid: xflow:xflow-accountsettings-api
  name: Xflow AccountSettings API
  description: The AccountSettings API from Xflow — 3 operation(s) for accountsettings.
  humanURL: https://docs.xflowpay.com/latest/api
  baseURL: https://api.xflowpay.com
  tags:
  - AccountSettings
  properties:
  - type: OpenAPI
    url: openapi/xflow-accountsettings-api-openapi.yml
  - type: Documentation
    url: https://docs.xflowpay.com/
  - type: APIReference
    url: https://docs.xflowpay.com/latest/api
- aid: xflow:xflow-addresses-api
  name: Xflow Addresses API
  description: The Addresses API from Xflow — 2 operation(s) for addresses.
  humanURL: https://docs.xflowpay.com/latest/api
  baseURL: https://api.xflowpay.com
  tags:
  - Addresses
  properties:
  - type: OpenAPI
    url: openapi/xflow-addresses-api-openapi.yml
  - type: Documentation
    url: https://docs.xflowpay.com/
  - type: APIReference
    url: https://docs.xflowpay.com/latest/api
- aid: xflow:xflow-balance-api
  name: Xflow Balance API
  description: The Balance API from Xflow — 2 operation(s) for balance.
  humanURL: https://docs.xflowpay.com/latest/api
  baseURL: https://api.xflowpay.com
  tags:
  - Balance
  properties:
  - type: OpenAPI
    url: openapi/xflow-balance-api-openapi.yml
  - type: Documentation
    url: https://docs.xflowpay.com/
  - type: APIReference
    url: https://docs.xflowpay.com/latest/api
- aid: xflow:xflow-balancetransactions-api
  name: Xflow BalanceTransactions API
  description: The BalanceTransactions API from Xflow — 2 operation(s) for balancetransactions.
  humanURL: https://docs.xflowpay.com/latest/api
  baseURL: https://api.xflowpay.com
  tags:
  - BalanceTransactions
  properties:
  - type: OpenAPI
    url: openapi/xflow-balancetransactions-api-openapi.yml
  - type: Documentation
    url: https://docs.xflowpay.com/
  - type: APIReference
    url: https://docs.xflowpay.com/latest/api
- aid: xflow:xflow-deposits-api
  name: Xflow Deposits API
  description: The Deposits API from Xflow — 2 operation(s) for deposits.
  humanURL: https://docs.xflowpay.com/latest/api
  baseURL: https://api.xflowpay.com
  tags:
  - Deposits
  properties:
  - type: OpenAPI
    url: openapi/xflow-deposits-api-openapi.yml
  - type: Documentation
    url: https://docs.xflowpay.com/
  - type: APIReference
    url: https://docs.xflowpay.com/latest/api
- aid: xflow:xflow-events-api
  name: Xflow Events API
  description: The Events API from Xflow — 2 operation(s) for events.
  humanURL: https://docs.xflowpay.com/latest/api
  baseURL: https://api.xflowpay.com
  tags:
  - Events
  properties:
  - type: OpenAPI
    url: openapi/xflow-events-api-openapi.yml
  - type: Documentation
    url: https://docs.xflowpay.com/
  - type: APIReference
    url: https://docs.xflowpay.com/latest/api
- aid: xflow:xflow-exchangerates-api
  name: Xflow ExchangeRates API
  description: The ExchangeRates API from Xflow — 2 operation(s) for exchangerates.
  humanURL: https://docs.xflowpay.com/latest/api
  baseURL: https://api.xflowpay.com
  tags:
  - ExchangeRates
  properties:
  - type: OpenAPI
    url: openapi/xflow-exchangerates-api-openapi.yml
  - type: Documentation
    url: https://docs.xflowpay.com/
  - type: APIReference
    url: https://docs.xflowpay.com/latest/api
- aid: xflow:xflow-feeplans-api
  name: Xflow FeePlans API
  description: The FeePlans API from Xflow — 2 operation(s) for feeplans.
  humanURL: https://docs.xflowpay.com/latest/api
  baseURL: https://api.xflowpay.com
  tags:
  - FeePlans
  properties:
  - type: OpenAPI
    url: openapi/xflow-feeplans-api-openapi.yml
  - type: Documentation
    url: https://docs.xflowpay.com/
  - type: APIReference
    url: https://docs.xflowpay.com/latest/api
- aid: xflow:xflow-files-api
  name: Xflow Files API
  description: The Files API from Xflow — 3 operation(s) for files.
  humanURL: https://docs.xflowpay.com/latest/api
  baseURL: https://api.xflowpay.com
  tags:
  - Files
  properties:
  - type: OpenAPI
    url: openapi/xflow-files-api-openapi.yml
  - type: Documentation
    url: https://docs.xflowpay.com/
  - type: APIReference
    url: https://docs.xflowpay.com/latest/api
- aid: xflow:xflow-paymentlinks-api
  name: Xflow PaymentLinks API
  description: The PaymentLinks API from Xflow — 6 operation(s) for paymentlinks.
  humanURL: https://docs.xflowpay.com/latest/api
  baseURL: https://api.xflowpay.com
  tags:
  - PaymentLinks
  properties:
  - type: OpenAPI
    url: openapi/xflow-paymentlinks-api-openapi.yml
  - type: Documentation
    url: https://docs.xflowpay.com/
  - type: APIReference
    url: https://docs.xflowpay.com/latest/api
- aid: xflow:xflow-payments-api
  name: Xflow Payments API
  description: The Payments API from Xflow — 2 operation(s) for payments.
  humanURL: https://docs.xflowpay.com/latest/api
  baseURL: https://api.xflowpay.com
  tags:
  - Payments
  properties:
  - type: OpenAPI
    url: openapi/xflow-payments-api-openapi.yml
  - type: Documentation
    url: https://docs.xflowpay.com/
  - type: APIReference
    url: https://docs.xflowpay.com/latest/api
- aid: xflow:xflow-payouts-api
  name: Xflow Payouts API
  description: The Payouts API from Xflow — 2 operation(s) for payouts.
  humanURL: https://docs.xflowpay.com/latest/api
  baseURL: https://api.xflowpay.com
  tags:
  - Payouts
  properties:
  - type: OpenAPI
    url: openapi/xflow-payouts-api-openapi.yml
  - type: Documentation
    url: https://docs.xflowpay.com/
  - type: APIReference
    url: https://docs.xflowpay.com/latest/api
- aid: xflow:xflow-persons-api
  name: Xflow Persons API
  description: The Persons API from Xflow — 2 operation(s) for persons.
  humanURL: https://docs.xflowpay.com/latest/api
  baseURL: https://api.xflowpay.com
  tags:
  - Persons
  properties:
  - type: OpenAPI
    url: openapi/xflow-persons-api-openapi.yml
  - type: Documentation
    url: https://docs.xflowpay.com/
  - type: APIReference
    url: https://docs.xflowpay.com/latest/api
- aid: xflow:xflow-quotes-api
  name: Xflow Quotes API
  description: The Quotes API from Xflow — 1 operation(s) for quotes.
  humanURL: https://docs.xflowpay.com/latest/api
  baseURL: https://api.xflowpay.com
  tags:
  - Quotes
  properties:
  - type: OpenAPI
    url: openapi/xflow-quotes-api-openapi.yml
  - type: Documentation
    url: https://docs.xflowpay.com/
  - type: APIReference
    url: https://docs.xflowpay.com/latest/api
- aid: xflow:xflow-receivables-api
  name: Xflow Receivables API
  description: The Receivables API from Xflow — 5 operation(s) for receivables.
  humanURL: https://docs.xflowpay.com/latest/api
  baseURL: https://api.xflowpay.com
  tags:
  - Receivables
  properties:
  - type: OpenAPI
    url: openapi/xflow-receivables-api-openapi.yml
  - type: Documentation
    url: https://docs.xflowpay.com/
  - type: APIReference
    url: https://docs.xflowpay.com/latest/api
- aid: xflow:xflow-transfers-api
  name: Xflow Transfers API
  description: The Transfers API from Xflow — 2 operation(s) for transfers.
  humanURL: https://docs.xflowpay.com/latest/api
  baseURL: https://api.xflowpay.com
  tags:
  - Transfers
  properties:
  - type: OpenAPI
    url: openapi/xflow-transfers-api-openapi.yml
  - type: Documentation
    url: https://docs.xflowpay.com/
  - type: APIReference
    url: https://docs.xflowpay.com/latest/api
- aid: xflow:xflow-webhookendpoints-api
  name: Xflow WebhookEndpoints API
  description: The WebhookEndpoints API from Xflow — 4 operation(s) for webhookendpoints.
  humanURL: https://docs.xflowpay.com/latest/api
  baseURL: https://api.xflowpay.com
  tags:
  - WebhookEndpoints
  properties:
  - type: OpenAPI
    url: openapi/xflow-webhookendpoints-api-openapi.yml
  - type: Documentation
    url: https://docs.xflowpay.com/
  - type: APIReference
    url: https://docs.xflowpay.com/latest/api
common:
- type: Website
  url: https://www.xflowpay.com
- type: DeveloperPortal
  url: https://www.xflowpay.com/developers
- type: Documentation
  url: https://docs.xflowpay.com/
- type: APIReference
  url: https://docs.xflowpay.com/latest/api
- type: GettingStarted
  url: https://docs.xflowpay.com/latest/guide
- type: Support
  url: https://www.xflowpay.com/faqs
- type: Blog
  url: https://www.xflowpay.com/blog
- type: Pricing
  url: https://www.xflowpay.com/pricing
- type: SignUp
  url: https://dashboard.xflowpay.com/login
- type: Login
  url: https://dashboard.xflowpay.com/login
- type: Portal
  url: https://dashboard.xflowpay.com
- type: TermsOfService
  url: https://docs.xflowpay.com/website-tou
- type: PrivacyPolicy
  url: https://docs.xflowpay.com/privacy-policy
- type: GitHubOrganization
  url: https://github.com/xflowpay
- type: OpenAPI Source
  url: https://github.com/xflowpay/openapi
- type: PostmanWorkspace
  url: https://www.postman.com/xflow-pay/workspace/xflow-developers/overview
- type: Postman
  url: https://www.postman.com/xflow-pay/workspace/xflow-developers/overview
- type: ErrorCodes
  url: https://docs.xflowpay.com/latest/errors
- type: Webhooks
  url: asyncapi/xflow-webhooks.yml
- type: LLMsTxt
  url: llms/xflow-llms.txt
- type: Packages
  url: packages/xflow-packages.yml
- type: SDKs
  url: packages/xflow-packages.yml
- type: MCPServer
  url: mcp/xflow-mcp.yml
  name: Xflow MCP candidate manifest
- type: Conformance
  url: conformance/xflow-conformance.yml
- type: Compliance
  url: https://www.xflowpay.com/blog/xflow-achieves-soc-2-and-iso-compliance-certification
- type: ErrorCatalog
  url: errors/xflow-problem-types.yml
- type: Lifecycle
  url: lifecycle/xflow-lifecycle.yml
- type: Authentication
  url: authentication/xflow-authentication.yml
- type: DomainSecurity
  url: security/xflow-domain-security.yml
- type: Sandbox
  url: sandbox/xflow-sandbox.yml
- type: Conventions
  url: conventions/xflow-conventions.yml
- type: DataModel
  url: data-model/xflow-data-model.yml
- type: AgenticAccess
  url: agentic-access/xflow-agentic-access.yml
- type: AgentSkill
  url: skills/_index.yml
  name: Xflow Agent Skills
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
x-enrichment:
  date: '2026-07-21'
  status: enriched
  artifacts_added: 20
  pass: local-v1