emerging · 1.1

Banking as a Service

Score 23.6 / 100 70 providers 26 APIs Search apis.io →
Variants seen in the corpus: Banking as a ServiceBanking-as-a-Service

Providers using this tag (70)

Ranked by API Evangelist rating — Exemplar and Strong are expanded by default.

Exemplar 2 Complete, well-documented, and agent-ready
Efí Pay (Gerencianet)PaymentsPixBoletoSubscription6 APIs73.7HighnoteCard IssuingCard AcquiringEmbedded FinanceBanking-as-a-Service1 API73.4
Strong 5 Solid coverage with minor gaps
WeavrEmbedded FinancePaymentsCards5 APIs59.9AlgbraFinancial-ServicesBankingOpen BankingPSD21 API56.3JikoCompanyBankingPaymentsTreasury2 APIs55.4SwanCompanyEmbedded FinanceFintech1 API54.4GriffinCompanyFintechBanking1 API54.3
Developing 23 Usable, with meaningful gaps to close
Simplifi/SimplifipayCompanyCardsCard IssuingVirtual Cards1 API54.1LithicFintechCard IssuingPaymentsIssuer Processor1 API53.9BondCompanyUnited StatesEmbedded Finance9 APIs50.8SolarisCompanyFintechBanking1 API49.8Fiat RepublicCompanyBankingPaymentsFintech1 API49.5IFCompanyFinancial-ServicesEmbedded Finance1 API49.3NymcardCompanyPaymentsCard Issuing1 API48.2ToqioEmbedded FinanceFintechPayments17 APIs47.4Stark BankCompanyFintechBankingPayments1 API47.3ModulrPaymentsUnited KingdomBanking-as-a-ServiceEmbedded Finance1 API47.2PliantCompanyPaymentsCorporate CardsCard Issuing1 API47.0SoFiPersonal FinanceBankingLendingStudent Loans2 APIs46.6WealthKernelCompanyInvestingWealth ManagementBrokerage1 API46.2Cross RiverEmbedded FinanceBaaSPayments1 API45.8ClearBankFinancial-ServicesBankingEmbedded Banking11 APIs45.3Tribe PaymentsPaymentsUnited KingdomIssuer ProcessorCard Issuing15 APIs44.2Form3PaymentsUnited KingdomPayment ProcessingAccount-to-Account1 API44.1ThreddPaymentsUnited KingdomIssuer ProcessorCard Issuing10 APIs41.7lemon.marketsCompanyFintechBrokerageInvesting1 API40.9Q2CompanyFinancial-ServicesBankingEmbedded Finance1 API40.6KanastraCompanyBankingPayments1 API39.9Fifth Third BancorpBankingUnited StatesEmbedded Finance1 API39.8Customers BankFinancial-ServicesBankingUnited StatesBanking-as-a-Service10 APIs39.4
Thin 12 Limited public surface area
CelcoinBaaSPixBoleto3 APIs37.7Green Dot CorporationFintechEmbedded FinancePrepaid Cards17 APIs36.8MambuCompanyFintechBankingCore Banking1 API36.3CoraCompanyBankingBrazilPayments1 API35.3DecentroBankingBanking-as-a-ServiceFintechIndia2 APIs34.9Lead BankBankingSponsor BankEmbedded Finance1 API34.6TuumCompanyCore BankingPayments1 API34.2LoopayCompanyPaymentsFintech1 API34.1SilaEmbedded FinancePaymentsDigital Wallet1 API34.0SwanEmbedded BankingBaaSPayments7 APIs30.7CuscalPaymentsAustraliaCard IssuingIssuer Processor3 APIs30.2JarisCompanyEmbedded FinanceFintechPayments29.1
Emerging 13 Early or largely undocumented
Open (open.money)Connected BankingNeobankSMBEmbedded Finance10 APIs25.6Alt BankCompanyFintechBankingCredit1 API25.3CRBCompanyBankingEmbedded Finance1 API25.3CardlessCompanyFinancial-ServicesFintechCredit Cards2 APIs22.1Peoples GroupPaymentsCanadaBanking-as-a-ServiceCard Issuing5 APIs21.1Axos BankFinancial-ServicesBankingUnited StatesBanking-as-a-Service4 APIs20.9FalconCompanyInfrastructureFinancial-ServicesBanking1 API19.6ConstantinopleCompanyFintechBankingCore Banking18.5UMB BankFinancial-ServicesBankingUnited StatesOpen Finance1 API15.9Cross River BankBankingSponsor BankEmbedded Finance8 APIs15.6DockBankingPaymentsCardsCard Issuing1 API13.8M2P FintechCompanyFintechBankingLending13.6RaisinCompanyFintechSavingsDeposits11.6
Minimal 15 Almost no public developer surface
JunoPaymentsBillingSubscriptionPIX10.9AAZZURCompanyEmbedded FinanceFintech10.6UBSFinancialBanksWealth ManagementInvestment Banking7 APIs10.4Live Oak BankFinancial-ServicesBankingUnited StatesSmall Business Lending9.5Fidor BankCompanyFintechBanking1 API7.5Fintech FarmCompanyBankingFinancial-ServicesNeobank6.5Cit VericashCompanyFintechDigital BankingPayments6.0NymbusCompanyBankingCore BankingFintech1 API3.4AND GlobalCompanyFintechFinancial-ServicesLending2.9MovenCompanyFintechBankingFinancial-Services2.4JumoCompanyFintechFinancial-Services1.9FlorinCompanyFintechNeobank1.5FortuCompanyFintechPrivate BankingWealth Management1.5RizeCompanyFintechBanking1.5Solid (Solid.fi)Embedded FinancePaymentsCards0.1

APIs with this tag (26)

Ranked by the provider's API Evangelist rating — the Kin Score is scored per provider, not per API, so every API of a provider shares its band. How the rating works →

Strong 1 Solid coverage with minor gaps
Algbra Partner Banking APIAlgbra Labs' first-party Partner Banking (Banking-as-a-Service) API for B2B partners, covering customer onb...56.3
Developing 6 Usable, with meaningful gaps to close
Bond Accounts & Statements APIOpen and manage consumer and commercial deposit accounts, credit accounts, and security-deposit accounts, w...50.8Bond Customers & KYC APICreate, retrieve, update, and delete individual consumer customer resources for a brand and run Know-Your-C...50.8Bond Simulation (Sandbox) APISandbox-only endpoints for deterministically testing banking flows before going live — simulate a card tran...50.8Integrated Finance APISingle REST API for the Integrated Finance platform — clients, users, real / virtual / shared-pool accounts...49.3SoFi Tech Solutions Platform APISoFi Tech Solutions (formerly Galileo Financial Technologies, a SoFi company) is SoFi's B2B fintech platfor...46.6Bank Connect - Payment Services APIPayment Services API (v1) for Tribe's Bank Connect / Banking-as-a-Service product, enabling fintechs to emb...44.2
Thin 17 Limited public surface area
Green Dot Accounts & Users APIAccount and user management endpoints for the BaaS platform: retrieve and update account details, manage ac...36.8Green Dot ACH APIACH APIs support ACH transfers into and out of BaaS accounts, including retrieval and filtering of ACH tran...36.8Green Dot ATM & Retail Locators APIATM & Retail Locator APIs locate nearby ATMs and Green Dot retail locations for cash deposits, withdrawals,...36.8Green Dot BillPay APIThe BillPay API enables bill payment functionality within partner applications, allowing end users to pay b...36.8Green Dot Cash Deposits & eCash APICash Deposits and Payments APIs — Green Dot's retail cash network capability — let end users add cash or ma...36.8Green Dot Cashback Rewards APICashback Rewards APIs manage cashback rewards programs on partner accounts — creating and managing rewards,...36.8Green Dot Closed Loop P2P APIClosed Loop P2P (Peer-to-Peer) APIs move money between two account holders within the same program. Endpoin...36.8Green Dot Customer Care APICustomer Care APIs create and manage customer support cases, customize UI for customer support, and enable ...36.8Green Dot Disbursements APIThe Disbursements API supports paying out funds to recipients — creating recipients, linking payee accounts...36.8Green Dot Enrollments APIThe Enrollments API is typically the first API used in a partner integration and establishes the initial ba...36.8Green Dot External Card Management APIExternal Card Management APIs let account holders link, list, and remove external debit or credit cards, an...36.8Green Dot Interest Rate & Accrued Interest APIInterest Rate APIs add and manage interest rates on primary and savings purses and process accrued-interest...36.8Green Dot MRDC (Mobile Check Deposit) APIMRDC (Mobile Remote Deposit Capture) APIs manage mobile check deposits — submitting checks, retrieving MRDC...36.8Green Dot Payment Instruments APIPayment Instruments APIs manage the cards and tokens tied to an account — issuing and managing payment inst...36.8Green Dot Transaction History APITransaction history and enrichment endpoints for retrieving posted and pending transactions on an account, ...36.8Green Dot Transfers & Money Movement APITransfers APIs enable customers to move funds to and from internal accounts, purses, and external bank acco...36.8Green Dot Webhooks & Event NotificationsWebhooks provide asynchronous event notifications to partner systems for account updates, transactions, and...36.8
Emerging 1 Early or largely undocumented
UMB Banking APIs (Open Banking / BaaS)UMB's partner-facing open-banking and Banking-as-a-Service REST API program, documented across five areas —...15.9
Minimal 1 Almost no public developer surface
UBS Partner / KeyPort APIUBS Partner and KeyPort form the enterprise integration surface used by partner banks, external asset manag...10.4

Score breakdown

Frequency
54.1
log-scaled weighted occurrences
Breadth
1.9
spread across providers
Quality lift
38.6
mean composite of providers using it
Cohesion
12.2
strength of nearest seed neighbor

Related tags

Card Issuing 19 co-occurrences Embedded Finance 35 co-occurrences Cards 23 co-occurrences ACH 13 co-occurrences Boleto 6 co-occurrences SEPA 6 co-occurrences Core Banking 6 co-occurrences Pix 7 co-occurrences

Where this tag comes from

Provider tag69
Api tag26

Cohort brief

Auto-generated

The 70 providers in the APIs.io catalog tagged Banking as a Service, scored on the Kin Score. Every figure below is computed from the catalog — nothing here is written.

Providers
70
all scored
Mean Kin Score
31.9
+11.2 vs catalog 20.7
Mean Agent Readiness
18.8
+9.1 vs catalog 9.7
Spread
0.1–75.4
median 35.3 · σ 19.3
How the 70 split by band
Exemplar 2Strong 6Developing 20Thin 14Emerging 13Minimal 15
Facet averages, against the whole catalog
FacetThis cohortCatalogDifferenceScored
Developer Ergonomics 35.2 17.9 +17.3 70
Contract Quality 30.9 17.5 +13.4 70
Discoverability 71.9 60.4 +11.5 70
Operational Transparency 21.7 11.3 +10.4 70
Contract Governance 12.2 6.4 +5.8 70
Access Clarity 25.5 22.3 +3.2 70

A facet is averaged over the members that carry it, not over the whole cohort — the “Scored” column is that count. Averaging an absent facet as zero would score our own coverage gaps as the providers’ posture.

What this cohort publishes
ArtifactThis cohortCatalogDifference
MCP server (any) 41% 16% +25
MCP server (first-party) 10% 7% +3
Agent Skills 0% 0% 0
OAuth scopes 19% 9% +10
Security 99% 88% +11
Arazzo workflows 4% 2% +2
Governance rules 4% 13% -9

mcp_pct counts any mcp/ artifact including ones API Evangelist derived from the provider OpenAPI; mcp_first_party_pct counts only servers the provider publishes. Prefer the latter.

Top by Kin Score
  1. 1 Highnote 75.4
  2. 2 Efí Pay (Gerencianet) 70.6
  3. 3 Weavr 62.6
  4. 4 Jiko 56.5
  5. 5 Simplifi/Simplifipay 56.1
  6. 6 Algbra 55.8
  7. 7 Swan 55.5
  8. 8 Griffin 55.4
  9. 9 Lithic 53.7
  10. 10 Fiat Republic 50.6
Top by Agent Readiness
  1. 1 Customers Bank 48.4
  2. 2 Modulr 48
  3. 3 Weavr 46.7
  4. 4 lemon.markets 41.5
  5. 5 Fifth Third Bancorp 39.4
  6. 6 Lead Bank 38.8
  7. 7 ClearBank 36.2
  8. 8 Tribe Payments 35.7
  9. 9 IF 35.6
  10. 10 Jiko 34.7
All 70 members of this roster resolve to a scored provider in the catalog.Generated from the catalog build of 25 August 2026, across 26891 providers, using the same computation served by the APIs.io cohort API. Briefs are published for rosters of 5 or more scored providers; below that a distribution is not meaningful.

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