Regulatory Posture

15% of the composite, when it applies 18 checks · 108 pointsconditional facet regulatory

For providers in a regulated industry ONLY: does the API publish the consent, security, legal, and standards-conformance posture its regime demands? Consent-scoped authorization (OAuth/OIDC scopes), a published security + vulnerability-disclosure posture, terms/privacy as legal basis, and evidence of conformance to the industry's data standard. Not applied to unregulated industries — see the composite math note below.

9,443providers scored on it

8,998score above zero

26.5mean sub-score

20.6median sub-score

3at 100

This facet is conditional. It is computed for every provider so its panel can render, but it enters the composite only where it applies — 9,443 of the 26,765 scored providers in the catalog. The counts on this page are over that population, not the whole catalog, and everyone else is neither measured against it nor penalised for it. The applicability rule and the composite arithmetic are on the rubric page.

How it is scored

18 checks worth 108 points, grouped by the artifact each one reads. A facet's sub-score is its awarded points normalized against the points that were actually applicable to that provider — a check needing an artifact the provider does not publish at all is N/A, and leaves both sides of the fraction.

Regulatory Posture · regulatory

Check	Rule	Points
Consent-scoped authorizationPublished OAuth/OIDC scopes — the machine-readable expression of least-privilege, consented access every data-sharing regime is built on. The single strongest regulatory signal.	`common[].type includes "OAuthScopes" OR a scopes artifact is present`	10
Authentication model documentedA documented authentication/authorization model (OIDC, mTLS, PAR). A regulated API that will not say how it authenticates cannot be trusted to hold the line the regime draws.	`common[].type includes "Authentication" or "OpenIDConnect"`	6
Security posture publishedA published security policy or domain-security posture. Regulated data demands a stated, verifiable security stance, not an assumed one.	`common[].type includes "Security" or "DomainSecurity"`	6
Vulnerability disclosure programA VDP / responsible-disclosure channel. For a regulated provider this is table stakes, and its absence is a conspicuous gap.	`common[].type includes "VulnerabilityDisclosure"`	6
Terms of service (legal basis)Machine-findable terms establishing the legal basis for access — the contract a regulator expects to exist and be discoverable.	`common[].type includes "TermsOfService"`	4
Privacy policy (data handling)A published privacy policy stating how personal/consumer data is handled — the disclosure most regulated regimes require.	`common[].type includes "PrivacyPolicy"`	4
Compliance / certification disclosurePublished compliance, certification, or trust-center content (SOC 2, ISO 27001, PCI, regime attestations) — evidence the provider holds itself to an external standard, not just its own word.	`common[].type includes "Compliance" or "TrustCenter" or "Trust"`	5
Data-standard conformanceEvidence the API conforms to the industry's data standard (a named standard, conformance artifact, or a published vocabulary/JSON-LD context). In a regulated space, speaking the mandated shape is the difference between interoperable and merely present.	`implements a recognized data standard — common[].type includes "Standard"/"Conformance", or a Vocabulary/JSON-LD context is published`	5
Conforms to the standard named for its regimeThe provider conforms to the standard RECOGNIZED FOR ITS REGIME, resolved against the standards catalog: OBIE, the DSB Consumer Data Standards, FDX or Berlin Group for open banking; US Core / USCDI for health; ACORD, CIECA or CSIO for insurance; CAMARA or TM Forum for telecom; Green Button / ESPI or cds-energy for energy.This supersedes the generic check above in strength for a reason the banking quartet made plain: a `Standard` tag credits an intention, while naming the instrument credits a fact. It is also the check the insurance quartet needed to state its emptiest finding honestly — ACORD is live inside a machine-readable contract at exactly one company worldwide.	conformance/ declares conformance to a standard listed under the matched regime`s `standards:` — not merely a generic Standard tag	8
FAPI / hardened authorization profileThe security profile CDR, UK Open Banking and PSD2 actually mandate, beyond generic OAuth: the FAPI profile, pushed authorization requests, private_key_jwt client authentication, mTLS-bound tokens. Generic OAuth is table stakes; this is the stack the regime specifies.	`conformance declares FAPI or FAPI 2.0, or auth artifacts document PAR, private_key_jwt or mTLS-bound tokens`	6
Published consent modelA consent surface a machine can read. This is the structural gap the whole series found and the reason it is weighted where it is: in market after market whose entire premise is consumer consent, machine-readable consent ran in the single digits. A FHIR Consent resource is exposed by essentially nobody; insurance ran at 2.5% in the US and zero among every market's leaders, in the most personally-invasive data business in the economy.Weighted heaviest in insurance and telecom precisely BECAUSE no rule compels it there — where consent is unmandated its presence is a genuine differentiator rather than a compliance artifact.	`a machine-readable consent surface — consent scopes, a FHIR Consent resource, a CDR consent artifact, or a documented consent/authorization model`	7
Action / write surfaceThe regime is actionable, not read-only. An agent that can move money on an account is a different animal from one that can only read it, and the score should say so: the UK — which mandated payment initiation — scored 87% on idempotency, where read-only Australia scored 0%.	`the contract exposes payment initiation, VRP, or another mutating regulated operation`	4
SMART-on-FHIR configuration servedA served `.well-known/smart-configuration` with published SMART-on-FHIR scopes. The structural finding across all four healthcare markets: the security scopes often exist, but the smart-configuration is served almost nowhere — so the check has to weight a DISCOVERABLE, consent-legible surface rather than the mere presence of scopes somewhere in prose.	`a .well-known/smart-configuration is served, or SMART scopes are published`	6
PCI scope and strong customer authenticationPCI-DSS attestation or scope disclosure together with strong customer authentication (3-D Secure, PSD2 SCA). The two disclosures every payments regime is built on, and the ones a merchant's own auditor will ask for first.	`PCI-DSS attestation or scope disclosure, plus 3-D Secure / SCA support`	6
Machine-readable entitlement and redistribution termsEntitlement and redistribution terms in machine-readable form, plus MiFID II or exchange data-licensing disclosure. In market data the licence IS the product boundary, and a consumer who cannot read it programmatically cannot build against it safely.	`redistribution / entitlement / data-licensing terms published as machine-readable data`	6
Third-party certificationA certification issued and published by somebody other than the provider. Canada runs the only public, tiered insurance API certification programme in the world (CSIO) and it was invisible to the score — its own table lists the country's largest P&C insurer as Not Yet Rated while smaller competitors hold higher tiers, which is exactly the published signal a rubric should read.THE CAUTION THIS CHECK CARRIES, learned from real estate: RESO certification is real, independently tested and industry-mandated, and it is worth 2.0 points of measured difference — because all three certified organizations return 401 on the very contract they are certified against. A certification claim is credited here only alongside `servers_resolvable`; a badge for a document the consumer cannot fetch is not conformance.	`a public, independently-issued certification is held and discoverable`	5
CAMARA / network-API conformanceConformance to the network-API standards the sector actually built: CAMARA commonalities, the canonical API definitions, CIBA (the backchannel authentication flow CAMARA specifies for network authorization, found in 3 of 19 standards repositories and absent from both specs of the one exposure platform with a callable endpoint), and TM Forum Open API conformance — held widely by carriers who publish no network API at all.	`an x-camara-commonalities version, /camara/ paths, CIBA support, or TM Forum Open API conformance`	6
Mandate implemented, not merely claimedTHE LARGEST UNMEASURED EFFECT IN THE CATALOG, and the reason it lands in 0.6 rather than waiting. Across 95 energy organizations scored on a deliberately ruthless mandate ladder, a VERIFIED mandate was worth about twelve points of composite — live-implemented 42.2 against not-applicable 36.6 — while a CLAIMED-but-unverifiable mandate scored 30.4, BELOW the 30.2 of organizations under no obligation at all.That second number is the finding. Self-declared compliance is not merely uninformative, it is NEGATIVE signal, and any assessment that reads compliance pages instead of calling endpoints will rank the field backwards at the top. Compare RESO in real estate at 2.0 points: same question, two sectors, a six-fold difference in effect, because one mandate came with a public register and conformant discovery endpoints and the other came with a badge.The failure mode is already live here: two Ontario utilities present as Green Button compliant and cannot be verified, one because its onboarding host returns HTTP 200 for every path including invented ones, being a single-page-app catch-all. Without a verification state that provider scores as compliant.	`the mandated surface is evidenced by a resolvable endpoint, register entry or conformant discovery document — not by a compliance page`	8

How the catalog distributes on it

Every one of the 9,443 providers this facet is scored on, bucketed by sub-score.

90-10016 · 0.2%

75-89.9188 · 2.0%

50-74.91,206 · 12.8%

25-49.92,601 · 27.5%

0.1-24.94,987 · 52.8%

0445 · 4.7%

Top providers

The top 500 of 8,998 providers scoring above zero on this facet, ranked by facet sub-score, ties broken by composite.

1 Airwallex100.0 91.4exemplar 2 ModMed100.0 56.9strong 3 Reliance Jio100.0 56.0strong 4 Triodos Bank UK94.9 46.5developing 5 Stripe93.8 79.7exemplar 6 Mollie93.8 65.2strong 7 Flywire93.8 60.1strong 8 Infobip93.1 75.4exemplar 9 Nokia Network as Code93.1 56.7strong 10 Medplum92.5 87.4exemplar 11 Elation Health92.5 83.7exemplar 12 CME Group91.7 46.2developing 13 Delft University of Technology90.7 65.2strong 14 University of Warwick90.7 60.1strong 15 University of Twente90.7 59.1strong 16 drchrono90.0 80.9exemplar 17 Barclays89.9 62.0strong 18 CMS Energy89.2 62.2strong 19 Accela88.9 57.4strong 20 Yello88.9 37.8thin 21 Citizens Financial Group88.6 67.1exemplar 22 Algbra88.6 55.4strong 23 Soldo Software and Services87.5 58.0strong 24 Athelas87.5 53.6developing 25 Memo Bank87.3 66.4strong 26 Slash87.3 60.1strong 27 Newcastle Permanent Building Society87.3 44.1developing 28 Upstox86.7 79.5exemplar 29 Dow Jones Developer Platform86.7 65.7strong 30 Factiva86.7 59.3strong 31 Tebra86.3 65.4strong 32 OpenMercantil85.2 88.2exemplar 33 Pluralsight85.2 73.8exemplar 34 Canvas85.2 73.7exemplar 35 Canvas LMS85.2 71.7exemplar 36 University of Waterloo85.2 66.5exemplar 37 Contensis85.2 65.6strong 38 Codesignal85.2 53.6developing 39 Articulate85.2 39.7developing 40 Flockjay85.2 34.2thin 41 NoRedInk85.2 32.7thin 42 Citi84.8 62.2strong 43 Moneyhub84.8 61.3strong 44 Deutsche Bank84.8 51.8developing 45 St.George Bank84.8 46.6developing 46 BCU Bank84.8 43.6developing 47 Iniciador84.8 36.5thin 48 Lightspeed Commerce84.4 83.7exemplar 49 Unit84.4 69.1exemplar 50 Ziina84.4 65.7strong 51 GoFundMe84.4 63.7strong 52 Astrada84.4 59.8strong 53 Coinflow84.4 58.7strong 54 Mesh Payments84.4 51.5developing 55 Centers for Medicare and Medicaid Services83.8 81.3exemplar 56 eClinicalWorks83.8 74.2exemplar 57 Health Gorilla83.8 68.2exemplar 58 Trisotech83.8 63.2strong 59 Optum83.8 61.5strong 60 Innovaccer83.8 34.9thin 61 Kraken83.3 74.5exemplar 62 Swisscom83.3 64.9strong 63 University of Helsinki83.3 54.1developing 64 athenahealth82.5 76.7exemplar 65 NextGen Healthcare82.5 70.4exemplar 66 Canvas Medical82.5 67.8exemplar 67 Commure82.5 52.3developing 68 Buoy Health82.5 50.8developing 69 Oracle Health (Cerner)82.5 48.4developing 70 Green Button Alliance82.4 57.6strong 71 Danske Bank (UK)82.3 46.4developing 72 Zoom Phone81.9 72.4exemplar 73 Verizon81.9 63.2strong 74 ETSI81.9 56.8strong 75 Telia Company81.9 51.9developing 76 Bharti Airtel81.9 50.3developing 77 Pennsylvania State University81.5 43.5developing 78 Turnitin81.5 40.5developing 79 Autopay81.3 56.3strong 80 Zai81.3 52.6developing 81 BB&T Corp (Truist)81.0 60.7strong 82 Braze80.6 80.4exemplar 83 Leadping80.6 79.6exemplar 84 SAP Emarsys80.6 71.0exemplar 85 GSMA80.6 57.0strong 86 Stedi80.3 83.1exemplar 87 Calico80.3 71.0exemplar 88 Canopy Connect80.3 71.0exemplar 89 Cisco Catalyst SD-WAN80.3 67.6exemplar 90 Levitate80.3 62.0strong 91 hi.health80.3 53.0developing 92 Waniwani80.3 47.0developing 93 PSC Insurance80.3 36.9thin 94 Artificial Labs80.3 32.0thin 95 Dow Jones80.0 64.6strong 96 Cumbuca79.7 30.4thin 97 University of Wisconsin-Madison79.6 56.0strong 98 Australian National University79.6 54.3strong 99 University of Illinois Urbana-Champaign79.6 48.1developing 100 Technical University of Berlin79.6 43.2developing 101 King Saud University79.6 41.8developing 102 Landgate79.6 40.9developing 103 University of Liverpool79.6 38.8thin 104 LeO78.8 53.6developing 105 Klarna78.5 76.3exemplar 106 KPN78.5 62.4strong 107 first direct78.5 53.1developing 108 Virgin Money UK78.5 47.8developing 109 Up78.5 46.8developing 110 Allica Bank78.5 46.0developing 111 Australia and New Zealand Banking Group (ANZ)78.5 43.9developing 112 Aldermore Bank78.5 39.8developing 113 Recognise Bank78.5 39.6developing 114 TSB Bank78.5 39.4developing 115 EDF Energy78.4 66.5exemplar 116 0xArchive78.3 72.7exemplar 117 Bloomberg78.3 59.0strong 118 Tradier78.3 56.6strong 119 Bloomberg Applications78.3 54.5strong 120 Bloomberg AIM78.3 49.7developing 121 Bloomberg Data Sets78.3 39.5developing 122 Bloomberg Data Workflows78.3 36.2thin 123 Bloomberg Data78.3 33.4thin 124 PAY.JP78.1 76.4exemplar 125 PayTabs78.1 70.9exemplar 126 PayMongo78.1 70.7exemplar 127 Bolt Financial78.1 70.1exemplar 128 Peach Payments78.1 69.8exemplar 129 Finix78.1 66.8exemplar 130 ProcessOut78.1 55.7strong 131 Payrails78.1 52.7developing 132 GetPaid78.1 52.1developing 133 Solaris78.1 49.6developing 134 OpenGov77.8 49.5developing 135 Epic Systems77.5 64.1strong 136 AdvancedMD77.5 54.5strong 137 Elevance Health77.5 50.6developing 138 Lili77.2 64.5strong 139 Bank First77.2 46.5developing 140 C. Hoare & Co.77.2 45.5developing 141 IMB Bank77.2 44.3developing 142 Qudos Bank77.2 44.1developing 143 Bank of Queensland77.2 43.1developing 144 Hampden & Co77.2 42.5developing 145 Commonwealth Bank77.2 41.9developing 146 Coventry Building Society77.2 41.8developing 147 Monument Bank77.2 40.5developing 148 Australian Military Bank77.2 36.2thin 149 Uphold76.7 68.0exemplar 150 Lev76.7 67.9exemplar 151 Cledara76.7 65.2strong 152 Clear Street76.7 65.0strong 153 Lukka76.7 57.7strong 154 Reflexivity76.7 33.9thin 155 Hidden Road76.7 27.3thin 156 zopa76.6 39.5developing 157 1upHealth76.3 75.7exemplar 158 Flexpa76.3 72.4exemplar 159 Jefferson Health76.3 69.8exemplar 160 Independence Blue Cross76.3 67.0exemplar 161 Redox76.3 61.8strong 162 Temple Health76.3 61.1strong 163 Photon76.3 57.7strong 164 Jane76.3 57.0strong 165 MEDITECH76.3 47.3developing 166 TailorMed76.3 46.0developing 167 Ambience Healthcare76.3 34.5thin 168 Cohere Health76.3 33.0thin 169 KonbiniAPI75.9 71.0exemplar 170 Plinth US Grants Data75.9 66.7exemplar 171 La Poste Groupe75.9 64.5strong 172 Wikidata75.9 59.6strong 173 Drillster75.9 57.3strong 174 TU Wien75.9 56.2strong 175 Adobe Captivate75.9 54.4strong 176 University of British Columbia75.9 52.3developing 177 Wiktionary75.9 52.0developing 178 KU Leuven75.9 50.4developing 179 OpenStreetMap75.9 50.4developing 180 Bureau of Land Management75.9 46.5developing 181 Cybrary75.9 44.2developing 182 EPFL75.9 42.6developing 183 Cvent Community75.9 40.9developing 184 Maastricht University75.9 37.9thin 185 Sdui75.9 27.7thin 186 8x875.7 70.3exemplar 187 Enphase Energy75.7 68.6exemplar 188 Electricity North West75.7 64.0strong 189 Northern Powergrid75.7 60.0strong 190 Hydro-Québec75.7 56.9strong 191 Regal75.0 77.1exemplar 192 Orange Business75.0 70.1exemplar 193 Natural AI75.0 64.0strong 194 Very Good Security75.0 63.1strong 195 Curlec75.0 62.8strong 196 Yardi Canada75.0 60.1strong 197 Mamo75.0 58.4strong 198 Versapay75.0 57.4strong 199 Coinme75.0 56.0strong 200 TELUS75.0 54.3strong 201 IF75.0 49.1developing 202 Paymentus75.0 38.3thin 203 Aduna75.0 35.6thin 204 Harbinger Health75.0 31.5thin 205 Qonto74.7 71.7exemplar 206 Agicap74.7 54.1developing 207 Sygnum74.7 53.4developing 208 SavvyMoney74.7 40.8developing 209 Eliq74.3 67.7exemplar 210 Amber Electric74.3 53.5developing 211 Virtual Peaker74.3 51.3developing 212 Arbital Health74.2 26.9thin 213 Go174.1 62.8strong 214 Starbridge74.1 59.2strong 215 Stanford University74.1 54.1developing 216 NationGraph74.1 50.0developing 217 Suncorp Bank74.1 44.3developing 218 SimSpace74.1 39.0thin 219 Wayground74.1 35.6thin 220 Practice Fusion73.8 61.4strong 221 Datavant73.8 61.2strong 222 b.well73.8 56.0strong 223 Moxe Health73.8 48.3developing 224 HotDoc73.8 39.6developing 225 Express Scripts Holding73.8 31.9thin 226 Customer.io73.6 89.3exemplar 227 Brevo73.6 87.3exemplar 228 AfterShip73.6 83.8exemplar 229 Kit73.6 82.8exemplar 230 Salesforce Marketing Cloud73.6 82.6exemplar 231 Klaviyo73.6 79.1exemplar 232 Close73.6 78.8exemplar 233 Listrak73.6 77.0exemplar 234 Adobe Campaign73.6 74.9exemplar 235 SendPulse73.6 74.4exemplar 236 Attentive73.6 74.0exemplar 237 AWeber73.6 73.1exemplar 238 MoEngage73.6 71.5exemplar 239 Campaign Monitor73.6 70.0exemplar 240 Zoho Campaigns73.6 68.9exemplar 241 Bluecore73.6 53.3developing 242 Discover73.4 48.7developing 243 The Co-operative Bank73.4 44.8developing 244 BankSA73.4 37.7thin 245 Bullish73.3 65.1strong 246 Alpaca73.3 59.7strong 247 Google Cloud Binary Authorization72.7 52.8developing 248 AmTrust Financial Services72.7 49.8developing 249 American Financial Group72.7 42.4developing 250 Lloyd's of London72.7 35.6thin 251 Cuvva72.7 34.6thin 252 AIG72.7 34.3thin 253 Enterprise Mobility72.7 27.3thin 254 American International Group (AIG)72.7 27.2thin 255 Canada Life72.7 26.0emerging 256 Acrisure72.7 25.3emerging 257 nib72.7 25.3emerging 258 Doximity72.5 54.6strong 259 Centene72.5 44.6developing 260 Mapp Marketing Cloud72.2 74.8exemplar 261 GetResponse72.2 74.3exemplar 262 América Móvil72.2 60.3strong 263 University of Michigan-Ann Arbor72.2 59.2strong 264 University of California, Santa Barbara72.2 53.4developing 265 Seoul National University72.2 50.7developing 266 University of Campinas72.2 49.1developing 267 Nopan72.2 48.9developing 268 University of Hong Kong72.2 48.9developing 269 Wageningen University & Research72.2 46.7developing 270 University of Bonn72.2 42.7developing 271 Bank of Ireland (UK)72.2 39.8developing 272 Gateway Bank72.2 38.4thin 273 University of Reading72.2 38.1thin 274 Shopify71.9 90.2exemplar 275 Cvent Registration71.9 79.2exemplar 276 Drippay71.9 76.1exemplar 277 Squarespace71.9 74.0exemplar 278 Blnk Finance71.9 71.8exemplar 279 ThriveCart71.9 71.8exemplar 280 Immutable71.9 69.1exemplar 281 Inrupt71.9 65.6strong 282 Appcharge71.9 65.4strong 283 Wix.com71.9 63.2strong 284 HyperPay71.9 60.6strong 285 Airtm71.9 60.5strong 286 DailyPay71.9 57.3strong 287 MonetizeNow71.9 55.8strong 288 AutoFi71.9 55.5strong 289 Blockchain.com71.9 52.5developing 290 Ramp71.9 52.3developing 291 Cubist71.9 47.7developing 292 Form371.9 45.1developing 293 AlphaAI71.7 70.6exemplar 294 Power Query71.6 79.4exemplar 295 Microsoft Power Platform71.6 76.6exemplar 296 ev.energy71.6 57.0strong 297 Microsoft Power Automate71.6 50.2developing 298 Xylem71.6 30.9thin 299 Aidbox71.3 61.8strong 300 Curana Health71.3 36.1thin 301 Goodlord71.2 60.7strong 302 CoreStack71.2 56.0strong 303 ACORD71.2 55.3strong 304 Moody's71.2 55.3strong 305 AltScore71.2 51.8developing 306 PlanSource71.2 48.3developing 307 Sun Life71.2 47.3developing 308 PPL71.2 46.3developing 309 Great-West Lifeco71.2 43.4developing 310 Jellyvision71.2 35.3thin 311 CCC Intelligent Solutions71.2 33.8thin 312 Troy Medicare71.2 30.7thin 313 ServiceUp71.2 28.5thin 314 Wawanesa Insurance71.2 28.3thin 315 Accelerant71.2 27.6thin 316 HCF71.2 25.4emerging 317 Marshmallow71.2 22.1emerging 318 Toqio71.1 51.4developing 319 LendKey70.9 48.3developing 320 Yorkshire Building Society70.9 46.3developing 321 Regional Australia Bank70.9 44.1developing 322 BMO70.9 44.0developing 323 HSBC Bank Australia70.9 42.6developing 324 Vanquis Banking Group70.9 42.1developing 325 Cashplus Bank70.9 41.0developing 326 Alex Bank70.9 40.2developing 327 Secure Trust Bank70.9 39.9developing 328 Mettle70.9 39.5developing 329 GB Bank70.9 37.1thin 330 Australian Unity Bank70.9 26.8thin 331 Teachable70.4 55.9strong 332 ID.me70.4 50.3developing 333 Clever70.4 49.7developing 334 Mindtickle70.4 48.3developing 335 Instructure70.4 46.0developing 336 Cash App70.3 61.7strong 337 Endeavour Energy70.3 54.3strong 338 PayPal70.3 53.3developing 339 Thredd70.3 41.4developing 340 Totogi70.1 54.0developing 341 Crypto.com70.0 68.2exemplar 342 Allscripts Healthcare Solutions70.0 60.6strong 343 Amazon WorkMail70.0 59.0strong 344 Upvest70.0 55.4strong 345 Devoted Health70.0 47.6developing 346 Clever Care Health Plan70.0 40.4developing 347 Clever Care70.0 37.1thin 348 FinGoal69.6 58.0strong 349 GSMA Open Gateway69.4 51.4developing 350 3GPP69.4 49.8developing 351 Square68.8 75.7exemplar 352 Stax68.8 75.3exemplar 353 Highnote68.8 71.8exemplar 354 Finix Payments68.8 62.2strong 355 Evervault68.8 61.7strong 356 M-Pesa (Safaricom Daraja)68.8 60.7strong 357 Cadasto68.8 59.4strong 358 Weavr68.8 59.3strong 359 Paymentsense68.8 58.1strong 360 MoonPay68.8 56.2strong 361 Ozow68.8 56.2strong 362 Klasha68.8 54.8strong 363 Beam Checkout68.8 54.6strong 364 Cardtonic68.8 53.3developing 365 Fipto68.8 52.7developing 366 EdfaPay, Inc.68.8 52.6developing 367 Trust Payments68.8 52.5developing 368 Diagnostic Robotics68.8 51.0developing 369 Bokio68.8 50.1developing 370 Uzum68.8 49.5developing 371 ACI Worldwide68.8 49.3developing 372 Linq.gg68.8 45.0developing 373 eWAY68.8 43.8developing 374 Tribe Payments68.8 42.8developing 375 Ordnance Survey68.5 57.9strong 376 Harvard University68.5 46.9developing 377 VA Lighthouse68.5 43.1developing 378 University of Melbourne68.5 39.6developing 379 Envisagenow68.5 25.4emerging 380 Kroo68.4 41.4developing 381 Coutts68.4 39.1thin 382 National Australia Bank68.4 36.2thin 383 Polygon68.3 68.3exemplar 384 Factset68.3 67.7exemplar 385 EODHD68.3 61.8strong 386 Groww68.3 57.5strong 387 Intrinio68.3 56.0strong 388 Alpha Vantage68.3 52.7developing 389 Cboe Global Markets68.3 52.0developing 390 Lone Wolf Technologies68.3 51.4developing 391 Clearstream68.3 47.3developing 392 B3 (Brasil Bolsa Balcão)68.3 42.0developing 393 Offerpad68.3 33.8thin 394 A-Mark Precious Metals68.3 25.7emerging 395 Globacap68.3 20.0emerging 396 Unqork68.2 54.3strong 397 Aetna68.1 47.5developing 398 Xoserve67.6 64.2strong 399 Consolidated Edison67.6 55.1strong 400 ERCOT67.6 54.6strong 401 Cambio Healthcare Systems67.5 54.7strong 402 Teya67.2 45.9developing 403 Payments Canada67.2 44.1developing 404 Cardlytics67.1 55.9strong 405 Zepto67.1 54.7strong 406 Lean Technologies67.1 53.8developing 407 Weatherbys Bank67.1 49.1developing 408 Diebold Nixdorf67.1 45.2developing 409 Great Southern Bank67.1 43.1developing 410 Chase UK67.1 41.2developing 411 Botkeeper67.1 41.2developing 412 River Financial67.1 30.7thin 413 OpenSanctions66.7 74.6exemplar 414 WorkRamp66.7 67.6exemplar 415 Cisco Catalyst Center66.7 63.4strong 416 Karrio66.7 58.2strong 417 360Learning66.7 57.0strong 418 MTN Group66.7 55.6strong 419 MEF66.7 55.2strong 420 Learnosity66.7 55.2strong 421 Method Security66.7 55.1strong 422 Syniverse66.7 53.8developing 423 LinqAlpha66.7 51.4developing 424 Epignosis (TalentLMS, eFront, TalentCards)66.7 51.1developing 425 RegScale66.7 50.9developing 426 Cirrus Identity66.7 49.5developing 427 Kodex66.7 49.4developing 428 itslearning66.7 44.3developing 429 Conversica66.7 44.2developing 430 Ciena66.7 42.3developing 431 Anywhere Real Estate66.7 41.4developing 432 Virtualitics66.7 40.5developing 433 DebtBook66.7 34.4thin 434 Empowerly66.7 33.9thin 435 Labster66.7 33.3thin 436 Nasdaq Private Market66.7 31.1thin 437 Lightyear66.7 31.1thin 438 Clarivate66.3 78.1exemplar 439 Kontakt.io66.3 65.3strong 440 Weave66.3 64.1strong 441 MedTrainer66.3 60.1strong 442 Fasten Health66.3 58.8strong 443 DIPS66.3 53.0developing 444 DNAnexus66.3 51.8developing 445 Sonde Health66.3 49.5developing 446 Eko Health66.3 41.7developing 447 HealthEx66.3 39.5developing 448 Infinitus66.3 35.1thin 449 BEKHealth66.3 28.1thin 450 Human Longevity66.3 28.0thin 451 Tandem Bank65.8 39.7developing 452 Santander UK65.8 38.2thin 453 Metro Bank65.8 37.3thin 454 Shawbrook Bank65.8 33.9thin 455 Telr65.6 67.5exemplar 456 Zero Hash65.6 57.6strong 457 Coda Payments65.6 56.8strong 458 Spreedly65.6 56.1strong 459 Culqi65.6 54.6strong 460 Simplifi/Simplifipay65.6 53.1developing 461 Yuno65.6 53.0developing 462 Monoova65.6 52.8developing 463 Ramp Network65.6 52.2developing 464 PayEngine65.6 48.5developing 465 Fevo65.6 34.7thin 466 Boom Ai65.3 79.9exemplar 467 Blueshift65.3 69.3exemplar 468 Hustle65.3 66.2strong 469 AskNicely65.3 66.1strong 470 Cordial65.3 61.8strong 471 Community65.3 58.2strong 472 Genesys65.3 58.1strong 473 Insider65.3 57.0strong 474 Phone Com65.3 50.5developing 475 EFFECT Photonics65.3 26.7thin 476 Jerry65.2 29.8thin 477 Employee Navigator65.2 28.0thin 478 Cytora65.2 27.5thin 479 OK Capsule65.0 60.7strong 480 Lifen65.0 56.4strong 481 Accredify65.0 51.9developing 482 Elemental Machines65.0 49.5developing 483 Flume Health65.0 48.3developing 484 Clover Health65.0 45.6developing 485 Alleva65.0 45.4developing 486 TMX Group65.0 39.8developing 487 Local Infusion65.0 24.4emerging 488 Microsoft Power Platform APIs64.9 63.7strong 489 Microsoft Power Apps64.9 58.3strong 490 AEMO64.9 58.2strong 491 Origin Energy64.9 57.9strong 492 Pacific Gas and Electric64.9 53.6developing 493 Measurabl64.9 51.6developing 494 DNV64.9 51.6developing 495 IESO64.9 50.7developing 496 BP64.9 48.6developing 497 Simply Energy64.9 48.5developing 498 AGL Energy64.9 38.7thin 499 1KOMMA5°64.9 34.3thin 500 Turntide Technologies64.9 33.0thin

Move this number. Every provider in the catalog is profiled from a public repository at github.com/api-evangelist/<provider>, and each check above names the exact artifact it reads. Publish the artifact, open a pull request, and the next scoring run picks it up — no gatekeeping and no fee. The full rubric is at apis.io/rating/, and the Influence plan is the fast lane if you would rather work your own listing through the API — remediation, projections and re-check requests.

Scored on rubric v0.20.0 across 26,765 providers · lists rebuilt 2026-09-07 · capped at the top 500 per page.

Regulatory Posture

How it is scored

How the catalog distributes on it

Top providers

The other 8 facets