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.

9,514providers scored on it

9,109score above zero

27.2mean sub-score

21.3median 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 — 9,514 of the 26,661 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 9,514 providers this facet is scored on, bucketed by sub-score.

90-10016 · 0.2%

75-89.9197 · 2.1%

50-74.91,276 · 13.4%

25-49.92,701 · 28.4%

0.1-24.94,919 · 51.7%

0405 · 4.3%

Top providers

The top 500 of 9,109 providers scoring above zero on this facet, ranked by facet sub-score, ties broken by composite.

1 Airwallex100.0 91.4exemplar 2 ModMed100.0 57.5strong 3 Reliance Jio100.0 56.7strong 4 Triodos Bank UK94.9 46.5developing 5 Stripe93.8 87.9exemplar 6 Mollie93.8 65.2strong 7 Flywire93.8 60.1strong 8 Infobip93.1 81.8exemplar 9 Nokia Network as Code93.1 58.1strong 10 Medplum92.5 86.4exemplar 11 Elation Health92.5 83.6exemplar 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 58.2strong 16 drchrono90.0 81.8exemplar 17 Citi89.9 62.7strong 18 Barclays89.9 61.8strong 19 CMS Energy89.2 60.2strong 20 Accela88.9 57.0strong 21 Yello88.9 37.8thin 22 Citizens Financial Group88.6 66.9exemplar 23 Algbra88.6 55.4strong 24 Up88.6 54.9strong 25 Canopy Connect87.9 73.0exemplar 26 Soldo Software and Services87.5 67.2exemplar 27 Athelas87.5 53.6developing 28 Memo Bank87.3 66.4strong 29 Slash87.3 65.8strong 30 Newcastle Permanent Building Society87.3 44.1developing 31 Upstox86.7 80.0exemplar 32 Uphold86.7 75.8exemplar 33 Gemini Trust Company86.7 72.6exemplar 34 Dow Jones Developer Platform86.7 66.0strong 35 Factiva86.7 59.7strong 36 Tebra86.3 65.4strong 37 OpenMercantil85.2 88.2exemplar 38 TaskHawk Systems85.2 75.6exemplar 39 Pluralsight85.2 73.9exemplar 40 Canvas LMS85.2 73.9exemplar 41 Canvas85.2 73.1exemplar 42 University of Waterloo85.2 67.1exemplar 43 Contensis85.2 66.3strong 44 Codesignal85.2 53.0developing 45 Articulate85.2 39.7developing 46 Flockjay85.2 34.2thin 47 NoRedInk85.2 32.7thin 48 Moneyhub84.8 62.0strong 49 St.George Bank84.8 55.1strong 50 Deutsche Bank84.8 54.6strong 51 BCU Bank84.8 43.6developing 52 Iniciador84.8 36.5thin 53 Lightspeed Commerce84.4 83.7exemplar 54 Unit84.4 70.3exemplar 55 GoFundMe84.4 69.8exemplar 56 Gr4vy84.4 66.8exemplar 57 Ziina84.4 65.9strong 58 Astrada84.4 59.8strong 59 Coinflow84.4 58.7strong 60 Mesh Payments84.4 51.5developing 61 Centers for Medicare and Medicaid Services83.8 81.7exemplar 62 eClinicalWorks83.8 74.2exemplar 63 Health Gorilla83.8 68.2exemplar 64 Trisotech83.8 63.2strong 65 Optum83.8 61.7strong 66 Innovaccer83.8 34.9thin 67 Kraken83.3 74.5exemplar 68 Swisscom83.3 64.9strong 69 University of Helsinki83.3 55.0strong 70 athenahealth82.5 75.1exemplar 71 NextGen Healthcare82.5 71.7exemplar 72 Canvas Medical82.5 67.8exemplar 73 Commure82.5 52.3developing 74 Buoy Health82.5 50.8developing 75 Oracle Health (Cerner)82.5 50.3developing 76 Pg And E82.4 69.2exemplar 77 Danske Bank (UK)82.3 46.5developing 78 Zoom Phone81.9 72.4exemplar 79 Verizon81.9 63.2strong 80 ETSI81.9 54.5strong 81 Telia Company81.9 51.9developing 82 Bharti Airtel81.9 49.9developing 83 Pennsylvania State University81.5 51.9developing 84 Turnitin81.5 40.5developing 85 Zai81.3 60.8strong 86 Autopay81.3 57.0strong 87 BB&T Corp (Truist)81.0 60.0strong 88 Braze80.6 81.0exemplar 89 Leadping80.6 80.2exemplar 90 SAP Emarsys80.6 71.0exemplar 91 GSMA80.6 56.9strong 92 Stedi80.3 84.1exemplar 93 Calico80.3 71.0exemplar 94 Guidewire80.3 70.4exemplar 95 Cisco Catalyst SD-WAN80.3 68.4exemplar 96 Levitate80.3 62.0strong 97 hi.health80.3 53.0developing 98 Waniwani80.3 47.0developing 99 PSC Insurance80.3 36.9thin 100 Artificial Labs80.3 32.0thin 101 Dow Jones80.0 66.6exemplar 102 Cumbuca79.7 30.4thin 103 University of Wisconsin-Madison79.6 56.0strong 104 Australian National University79.6 54.3strong 105 University of Illinois Urbana-Champaign79.6 48.8developing 106 Technical University of Berlin79.6 43.2developing 107 King Saud University79.6 42.3developing 108 Landgate79.6 40.8developing 109 University of Liverpool79.6 38.8thin 110 Klarna78.5 76.6exemplar 111 KPN78.5 66.9exemplar 112 Allica Bank78.5 54.5strong 113 first direct78.5 53.4developing 114 Virgin Money UK78.5 49.5developing 115 Australia and New Zealand Banking Group (ANZ)78.5 43.9developing 116 TSB Bank78.5 40.9developing 117 Aldermore Bank78.5 40.1developing 118 Recognise Bank78.5 39.9developing 119 EDF Energy78.4 67.1exemplar 120 0xArchive78.3 76.4exemplar 121 Cymetica78.3 67.8exemplar 122 Bloomberg78.3 61.1strong 123 Tradier78.3 56.6strong 124 Bloomberg Applications78.3 54.5strong 125 Bloomberg AIM78.3 49.7developing 126 Bloomberg Data Sets78.3 39.5developing 127 Bloomberg Data Workflows78.3 36.2thin 128 Bloomberg Data78.3 33.4thin 129 PAY.JP78.1 76.4exemplar 130 PayMongo78.1 70.7exemplar 131 PayTabs78.1 70.3exemplar 132 Bolt Financial78.1 70.1exemplar 133 Peach Payments78.1 69.8exemplar 134 Finix78.1 66.8exemplar 135 ProcessOut78.1 55.7strong 136 Payrails78.1 52.7developing 137 GetPaid78.1 52.1developing 138 Solaris78.1 49.6developing 139 OpenGov77.8 49.7developing 140 Epic Systems77.5 64.1strong 141 AdvancedMD77.5 55.9strong 142 Elevance Health77.5 50.6developing 143 Lili77.2 64.5strong 144 FIS Global77.2 61.7strong 145 Bank First77.2 46.5developing 146 C. Hoare & Co.77.2 45.5developing 147 IMB Bank77.2 44.3developing 148 Qudos Bank77.2 44.1developing 149 Bank of Queensland77.2 43.1developing 150 Hampden & Co77.2 42.5developing 151 Coventry Building Society77.2 42.1developing 152 Commonwealth Bank77.2 41.9developing 153 Monument Bank77.2 40.8developing 154 Australian Military Bank77.2 36.2thin 155 Lev76.7 67.9exemplar 156 Cledara76.7 65.9strong 157 Clear Street76.7 65.0strong 158 Lukka76.7 57.7strong 159 SS&C Technologies76.7 49.7developing 160 Reflexivity76.7 33.9thin 161 Hidden Road76.7 27.3thin 162 AgentSmyth76.7 25.7emerging 163 zopa76.6 39.4developing 164 1upHealth76.3 75.7exemplar 165 Flexpa76.3 72.4exemplar 166 Jefferson Health76.3 70.4exemplar 167 Independence Blue Cross76.3 68.7exemplar 168 Jane76.3 63.2strong 169 Redox76.3 61.8strong 170 Temple Health76.3 61.1strong 171 Photon76.3 57.7strong 172 MEDITECH76.3 47.3developing 173 TailorMed76.3 46.0developing 174 Ambience Healthcare76.3 34.5thin 175 Cohere Health76.3 33.0thin 176 KonbiniAPI75.9 71.0exemplar 177 Emboss75.9 70.7exemplar 178 Plinth US Grants Data75.9 66.7exemplar 179 Open Food Facts75.9 66.6exemplar 180 La Poste Groupe75.9 66.3strong 181 Wikidata75.9 59.6strong 182 Drillster75.9 57.3strong 183 Adobe Captivate75.9 54.4strong 184 TU Wien75.9 53.8developing 185 University of British Columbia75.9 53.3developing 186 Wiktionary75.9 52.0developing 187 KU Leuven75.9 50.9developing 188 OpenStreetMap75.9 50.4developing 189 Bureau of Land Management75.9 47.2developing 190 Cybrary75.9 44.2developing 191 EPFL75.9 42.6developing 192 Cvent Community75.9 40.9developing 193 Pearson75.9 39.9developing 194 Maastricht University75.9 37.4thin 195 Fannie Mae75.9 37.0thin 196 Sdui75.9 27.7thin 197 8x875.7 70.3exemplar 198 Enphase Energy75.7 68.9exemplar 199 Electricity North West75.7 64.0strong 200 Northern Powergrid75.7 60.0strong 201 Hydro-Québec75.7 56.9strong 202 Regal75.0 76.7exemplar 203 Orange Business75.0 70.0exemplar 204 Natural AI75.0 63.6strong 205 Curlec75.0 62.8strong 206 Yardi Canada75.0 60.1strong 207 Mamo75.0 58.4strong 208 Versapay75.0 58.0strong 209 Coinme75.0 56.0strong 210 TELUS75.0 54.3strong 211 IF75.0 49.1developing 212 Aduna75.0 35.6thin 213 Harbinger Health75.0 31.3thin 214 Qonto74.7 71.7exemplar 215 Agicap74.7 54.3strong 216 Sygnum74.7 53.4developing 217 SavvyMoney74.7 40.8developing 218 Eliq74.3 67.1exemplar 219 Amber Electric74.3 54.5strong 220 Virtual Peaker74.3 51.3developing 221 Arbital Health74.2 26.9thin 222 Go174.1 69.1exemplar 223 Starbridge74.1 59.2strong 224 Stanford University74.1 56.9strong 225 NationGraph74.1 48.9developing 226 Renaissance74.1 47.8developing 227 Suncorp Bank74.1 44.3developing 228 SimSpace74.1 39.0thin 229 Wayground74.1 35.6thin 230 Practice Fusion73.8 61.4strong 231 Datavant73.8 61.3strong 232 b.well73.8 56.7strong 233 Moxe Health73.8 48.3developing 234 HotDoc73.8 39.6developing 235 Express Scripts Holding73.8 31.9thin 236 Messagebird73.6 92.1exemplar 237 Customer.io73.6 89.3exemplar 238 Brevo73.6 87.3exemplar 239 Kit73.6 84.1exemplar 240 AfterShip73.6 83.1exemplar 241 Salesforce Marketing Cloud73.6 82.6exemplar 242 Close73.6 79.8exemplar 243 Klaviyo73.6 79.1exemplar 244 Listrak73.6 78.5exemplar 245 Adobe Campaign73.6 76.5exemplar 246 Attentive73.6 75.8exemplar 247 SendPulse73.6 74.4exemplar 248 MoEngage73.6 73.6exemplar 249 AWeber73.6 72.4exemplar 250 Campaign Monitor73.6 70.0exemplar 251 Zoho Campaigns73.6 68.9exemplar 252 Aeris73.6 66.5exemplar 253 Bluecore73.6 53.5developing 254 Discover73.4 48.7developing 255 The Co-operative Bank73.4 46.5developing 256 BankSA73.4 46.1developing 257 Bullish73.3 65.1strong 258 Alpaca73.3 59.7strong 259 Google Cloud Binary Authorization72.7 52.8developing 260 AmTrust Financial Services72.7 51.2developing 261 State Farm72.7 45.5developing 262 State Farm Insurance Companies72.7 43.9developing 263 American Financial Group72.7 43.7developing 264 Lloyd's of London72.7 35.6thin 265 Cuvva72.7 34.6thin 266 AIG72.7 34.3thin 267 Primerica72.7 28.5thin 268 Enterprise Mobility72.7 27.3thin 269 American International Group (AIG)72.7 27.2thin 270 Canada Life72.7 26.0emerging 271 Acrisure72.7 25.3emerging 272 nib72.7 25.3emerging 273 Doximity72.5 54.6strong 274 Centene72.5 46.0developing 275 GetResponse72.2 76.2exemplar 276 Mapp Marketing Cloud72.2 74.8exemplar 277 América Móvil72.2 60.3strong 278 University of Michigan-Ann Arbor72.2 59.2strong 279 Wageningen University & Research72.2 57.0strong 280 University of California, Santa Barbara72.2 53.6developing 281 University of Bonn72.2 53.4developing 282 Seoul National University72.2 50.8developing 283 University of Campinas72.2 49.2developing 284 Nopan72.2 48.9developing 285 University of Hong Kong72.2 48.9developing 286 University of Reading72.2 47.3developing 287 Bank of Ireland (UK)72.2 40.1developing 288 Gateway Bank72.2 38.4thin 289 Shopify71.9 88.0exemplar 290 Cvent Registration71.9 81.4exemplar 291 ForceDream71.9 77.0exemplar 292 Drippay71.9 76.1exemplar 293 Squarespace71.9 73.9exemplar 294 Blnk Finance71.9 71.8exemplar 295 ThriveCart71.9 71.8exemplar 296 Fodda (PSFK)71.9 69.1exemplar 297 Immutable71.9 68.4exemplar 298 Appcharge71.9 66.0strong 299 Inrupt71.9 65.6strong 300 Airtm71.9 62.2strong 301 HyperPay71.9 60.6strong 302 DailyPay71.9 57.3strong 303 AutoFi71.9 56.2strong 304 MonetizeNow71.9 56.0strong 305 AdvicePay71.9 53.3developing 306 Blockchain.com71.9 53.1developing 307 Ramp71.9 52.3developing 308 Cubist71.9 47.5developing 309 Form371.9 45.2developing 310 AlphaAI71.7 71.3exemplar 311 Power Query71.6 80.5exemplar 312 Microsoft Power Platform APIs71.6 75.9exemplar 313 Power BI71.6 72.7exemplar 314 ev.energy71.6 57.0strong 315 Microsoft Power Automate71.6 54.8strong 316 GE Vernova71.6 49.0developing 317 Xylem71.6 30.9thin 318 Aidbox71.3 61.8strong 319 Aetna71.3 50.9developing 320 Curana Health71.3 36.1thin 321 Goodlord71.2 60.4strong 322 CoreStack71.2 56.8strong 323 Moody's71.2 55.4strong 324 ACORD71.2 55.3strong 325 AltScore71.2 51.8developing 326 Duck Creek71.2 50.1developing 327 PlanSource71.2 50.0developing 328 LeO71.2 49.7developing 329 PPL71.2 49.1developing 330 Sun Life71.2 46.6developing 331 Great-West Lifeco71.2 43.4developing 332 Jellyvision71.2 35.3thin 333 CCC Intelligent Solutions71.2 33.8thin 334 Troy Medicare71.2 30.7thin 335 ServiceUp71.2 28.5thin 336 Wawanesa Insurance71.2 28.3thin 337 Accelerant71.2 27.6thin 338 HCF71.2 25.4emerging 339 Marshmallow71.2 22.1emerging 340 Toqio71.1 51.4developing 341 LendKey70.9 48.6developing 342 Yorkshire Building Society70.9 48.2developing 343 BMO70.9 45.8developing 344 Regional Australia Bank70.9 44.1developing 345 HSBC Bank Australia70.9 42.6developing 346 Vanquis Banking Group70.9 42.1developing 347 Mettle70.9 41.2developing 348 Cashplus Bank70.9 41.0developing 349 Secure Trust Bank70.9 40.2developing 350 Alex Bank70.9 40.2developing 351 GB Bank70.9 37.4thin 352 Australian Unity Bank70.9 26.8thin 353 Teachable70.4 55.9strong 354 Clever70.4 50.6developing 355 ID.me70.4 50.3developing 356 Mindtickle70.4 48.3developing 357 Instructure70.4 46.6developing 358 Cash App70.3 61.7strong 359 PayPal70.3 56.8strong 360 Endeavour Energy70.3 54.3strong 361 IFS70.3 54.3strong 362 Thredd70.3 41.4developing 363 Totogi70.1 54.0developing 364 Crypto.com70.0 69.1exemplar 365 Amazon WorkMail70.0 61.6strong 366 Allscripts Healthcare Solutions70.0 60.6strong 367 Upvest70.0 55.4strong 368 Devoted Health70.0 49.2developing 369 Clever Care Health Plan70.0 40.4developing 370 Clever Care70.0 37.1thin 371 FinGoal69.6 58.0strong 372 GSMA Open Gateway69.4 50.9developing 373 3GPP69.4 49.9developing 374 Square68.8 79.4exemplar 375 Stax68.8 76.4exemplar 376 Virto Commerce68.8 76.0exemplar 377 Highnote68.8 71.8exemplar 378 Weavr68.8 63.6strong 379 Finix Payments68.8 62.2strong 380 Evervault68.8 61.4strong 381 M-Pesa (Safaricom Daraja)68.8 60.7strong 382 Cadasto68.8 60.6strong 383 Paymentsense68.8 59.2strong 384 NovoPayment68.8 58.9strong 385 MoonPay68.8 56.2strong 386 Ozow68.8 56.2strong 387 Klasha68.8 54.8strong 388 Beam Checkout68.8 54.6strong 389 Cardtonic68.8 53.4developing 390 EdfaPay, Inc.68.8 53.3developing 391 Fipto68.8 52.7developing 392 Trust Payments68.8 52.5developing 393 Diagnostic Robotics68.8 51.4developing 394 Uzum68.8 50.4developing 395 Bokio68.8 49.9developing 396 ACI Worldwide68.8 49.3developing 397 Linq.gg68.8 45.0developing 398 Tribe Payments68.8 44.4developing 399 eWAY68.8 43.8developing 400 Ordnance Survey68.5 58.8strong 401 Harvard University68.5 45.6developing 402 VA Lighthouse68.5 45.4developing 403 University of Melbourne68.5 39.6developing 404 Envisagenow68.5 25.4emerging 405 Bendigo and Adelaide Bank68.4 43.3developing 406 Kroo68.4 41.4developing 407 Coutts68.4 39.1thin 408 National Australia Bank68.4 36.2thin 409 Factset68.3 67.9exemplar 410 Massive (formerly Polygon.io)68.3 67.2exemplar 411 EODHD68.3 61.8strong 412 invinoveritas68.3 61.8strong 413 Groww68.3 57.5strong 414 Intrinio68.3 56.0strong 415 Alpha Vantage68.3 52.9developing 416 Cboe Global Markets68.3 52.0developing 417 Lone Wolf Technologies68.3 51.8developing 418 Clearstream68.3 47.3developing 419 Aiera68.3 44.8developing 420 B3 (Brasil Bolsa Balcão)68.3 42.0developing 421 Offerpad68.3 33.7thin 422 A-Mark Precious Metals68.3 25.7emerging 423 Globacap68.3 20.0emerging 424 Unqork68.2 54.4strong 425 Sequans68.1 24.7emerging 426 Xoserve67.6 64.2strong 427 ERCOT67.6 53.7developing 428 Cambio Healthcare Systems67.5 54.2developing 429 Teya67.2 46.0developing 430 Payments Canada67.2 44.6developing 431 Bancomat67.1 60.7strong 432 Zepto67.1 56.8strong 433 Cardlytics67.1 55.9strong 434 Lean Technologies67.1 53.8developing 435 Weatherbys Bank67.1 50.8developing 436 Diebold Nixdorf67.1 45.2developing 437 Great Southern Bank67.1 43.1developing 438 Chase UK67.1 41.2developing 439 Botkeeper67.1 41.2developing 440 River Financial67.1 30.7thin 441 OpenSanctions66.7 73.1exemplar 442 WorkRamp66.7 67.7exemplar 443 360Learning66.7 67.4exemplar 444 Cisco Catalyst Center66.7 63.4strong 445 General Services Administration66.7 62.9strong 446 Karrio66.7 58.2strong 447 MTN Group66.7 55.8strong 448 MEF66.7 55.4strong 449 Learnosity66.7 55.2strong 450 Method Security66.7 54.9strong 451 Syniverse66.7 53.7developing 452 Epignosis (TalentLMS, eFront, TalentCards)66.7 52.7developing 453 LinqAlpha66.7 52.0developing 454 RegScale66.7 50.9developing 455 Cirrus Identity66.7 49.5developing 456 Kodex66.7 49.4developing 457 itslearning66.7 44.3developing 458 Conversica66.7 44.2developing 459 Ciena66.7 42.3developing 460 Anywhere Real Estate66.7 41.4developing 461 Virtualitics66.7 40.5developing 462 RubiConnect66.7 40.4developing 463 DebtBook66.7 34.4thin 464 Empowerly66.7 33.9thin 465 Labster66.7 33.3thin 466 Nasdaq Private Market66.7 31.1thin 467 Lightyear66.7 31.1thin 468 Gainsight66.3 80.9exemplar 469 Clarivate66.3 79.5exemplar 470 Kontakt.io66.3 65.7strong 471 Weave66.3 64.1strong 472 Fasten Health66.3 60.4strong 473 MedTrainer66.3 60.1strong 474 DIPS66.3 53.7developing 475 DNAnexus66.3 51.8developing 476 Sonde Health66.3 51.3developing 477 Eko Health66.3 41.7developing 478 HealthEx66.3 39.5developing 479 Infinitus66.3 35.1thin 480 Hologic66.3 28.7thin 481 BEKHealth66.3 28.1thin 482 Human Longevity66.3 28.0thin 483 Tandem Bank65.8 39.7developing 484 Metro Bank65.8 39.0thin 485 Santander UK65.8 38.5thin 486 Shawbrook Bank65.8 34.2thin 487 Booking.com65.6 70.3exemplar 488 AlgoVoi65.6 68.9exemplar 489 Telr65.6 67.5exemplar 490 Zero Hash65.6 58.2strong 491 Coda Payments65.6 56.8strong 492 Spreedly65.6 56.1strong 493 Monoova65.6 54.6strong 494 Culqi65.6 54.6strong 495 Simplifipay65.6 53.1developing 496 Yuno65.6 53.0developing 497 Ramp Network65.6 52.2developing 498 PayEngine65.6 48.5developing 499 Fevo65.6 34.7thin 500 Boom Ai65.3 79.9exemplar

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 v0.22.0 across 26,661 providers · lists rebuilt 2026-09-22 · 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