Banking as a Service
Providers using this tag (77)
Ranked by API Evangelist rating — Exemplar and Strong are expanded by default.
Exemplar 2 Complete, well-documented, and agent-ready
Strong 5 Solid coverage with minor gaps
Developing 21 Usable, with meaningful gaps to close
Thin 21 Limited public surface area
Emerging 14 Early or largely undocumented
Minimal 14 Almost no public developer surface
APIs with this tag (28)
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 →
Developing 7 Usable, with meaningful gaps to close
Algbra Partner Banking APIAlgbra Labs' first-party Partner Banking (Banking-as-a-Service) API for B2B partners, covering customer onb...Bond Accounts & Statements APIOpen and manage consumer and commercial deposit accounts, credit accounts, and security-deposit accounts, w...Bond Customers & KYC APICreate, retrieve, update, and delete individual consumer customer resources for a brand and run Know-Your-C...Bond Simulation (Sandbox) APISandbox-only endpoints for deterministically testing banking flows before going live — simulate a card tran...Uzum BaaS Payment HubBanking-as-a-Service JSON-RPC 2.0 API that lets partners embed payments, transfers and account and card ope...Integrated Finance APISingle REST API for the Integrated Finance platform — clients, users, real / virtual / shared-pool accounts...Bank Connect - Payment Services APIPayment Services API (v1) for Tribe's Bank Connect / Banking-as-a-Service product, enabling fintechs to emb...
Thin 18 Limited public surface area
Green Dot Accounts & Users APIAccount and user management endpoints for the BaaS platform: retrieve and update account details, manage ac...Green Dot ACH APIACH APIs support ACH transfers into and out of BaaS accounts, including retrieval and filtering of ACH tran...Green Dot ATM & Retail Locators APIATM & Retail Locator APIs locate nearby ATMs and Green Dot retail locations for cash deposits, withdrawals,...Green Dot BillPay APIThe BillPay API enables bill payment functionality within partner applications, allowing end users to pay b...Green Dot Cash Deposits & eCash APICash Deposits and Payments APIs — Green Dot's retail cash network capability — let end users add cash or ma...Green Dot Cashback Rewards APICashback Rewards APIs manage cashback rewards programs on partner accounts — creating and managing rewards,...Green Dot Closed Loop P2P APIClosed Loop P2P (Peer-to-Peer) APIs move money between two account holders within the same program. Endpoin...Green Dot Customer Care APICustomer Care APIs create and manage customer support cases, customize UI for customer support, and enable ...Green Dot Disbursements APIThe Disbursements API supports paying out funds to recipients — creating recipients, linking payee accounts...Green Dot Enrollments APIThe Enrollments API is typically the first API used in a partner integration and establishes the initial ba...Green Dot External Card Management APIExternal Card Management APIs let account holders link, list, and remove external debit or credit cards, an...Green Dot Interest Rate & Accrued Interest APIInterest Rate APIs add and manage interest rates on primary and savings purses and process accrued-interest...Green Dot MRDC (Mobile Check Deposit) APIMRDC (Mobile Remote Deposit Capture) APIs manage mobile check deposits — submitting checks, retrieving MRDC...Green Dot Payment Instruments APIPayment Instruments APIs manage the cards and tokens tied to an account — issuing and managing payment inst...Green Dot Transaction History APITransaction history and enrichment endpoints for retrieving posted and pending transactions on an account, ...Green Dot Transfers & Money Movement APITransfers APIs enable customers to move funds to and from internal accounts, purses, and external bank acco...Green Dot Webhooks & Event NotificationsWebhooks provide asynchronous event notifications to partner systems for account updates, transactions, and...Qiwi Banking PlatformBanking-as-a-Service platform for issuing accounts, cards, and banking operations on top of Qiwi infrastruc...
Emerging 3 Early or largely undocumented
Asaas Subaccounts / White-Label APICreate and manage subaccounts under a master account for white-label and BaaS use cases. Supports KYC docum...UMB Banking APIs (Open Banking / BaaS)UMB's partner-facing open-banking and Banking-as-a-Service REST API program, documented across five areas —...UBS Partner / KeyPort APIUBS Partner and KeyPort form the enterprise integration surface used by partner banks, external asset manag...
Companies reaching this through an API (3)
These companies publish an API, specification or operation carrying “Banking as a Service” but do not classify their business under it. Listed unranked and kept out of the count above, because one tagged operation is not a statement about what a company does.
Score breakdown
Frequency
55.1
log-scaled weighted occurrences
Breadth
2.0
spread across providers
Quality lift
39.0
mean composite of providers using it
Cohesion
15.1
strength of nearest seed neighbor
Where this tag sits
Related tags
Card Issuing 25 co-occurrences
Embedded Finance 41 co-occurrences
Cards 29 co-occurrences
ACH 17 co-occurrences
KYC 21 co-occurrences
Boleto 7 co-occurrences
Pix 8 co-occurrences
Banking 44 co-occurrences
Where this tag comes from
Provider tag77
Api tag29
Cohort brief
Auto-generatedThe 74 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
74
of 77 in the catalog
Mean Kin Score
33
+10.1 vs catalog 22.9
Mean Agent Readiness
21.4
+9.5 vs catalog 11.9
Spread
0–67.1
median 34.6 · σ 17.4
How the 74 split by band
Exemplar 2Strong 5Developing 21Thin 21Emerging 14Minimal 11
Facet averages, against the whole catalog
| Facet | This cohort | Catalog | Difference | Scored |
|---|---|---|---|---|
| Developer Ergonomics | 38 | 23.2 | +14.8 | 74 |
| Contract Quality | 32.3 | 17.6 | +14.7 | 74 |
| Operational Transparency | 24.7 | 13.7 | +11 | 74 |
| Discoverability | 66.6 | 58.1 | +8.5 | 74 |
| Contract Governance | 9.7 | 6.3 | +3.4 | 74 |
| Access Clarity | 28.9 | 26.5 | +2.4 | 74 |
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
| Artifact | This cohort | Catalog | Difference |
|---|---|---|---|
| MCP server (any) | 15% | 14% | +1 |
| MCP server (first-party) | 15% | 12% | +3 |
| Agent Skills | 0% | 0% | 0 |
| OAuth scopes | 19% | 11% | +8 |
| Security | 100% | 98% | +2 |
| Arazzo workflows | 4% | 2% | +2 |
| Governance rules | 7% | 14% | -7 |
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 Efí Pay (Gerencianet) 67.1
- 2 Highnote 67
- 3 Unit 64.5
- 4 Weavr 59.4
- 5 Griffin 58.5
- 6 SoFi Technologies 56.4
- 7 NovoPayment 54.9
- 8 Modulr 53.9
- 9 Stark Bank 52.5
- 10 Jiko 52.1
Top by Agent Readiness
- 1 SoFi Technologies 52.6
- 2 Modulr 49.7
- 3 Weavr 46.7
- 4 Fifth Third Bancorp 43.7
- 5 Customers Bank 43.6
- 6 lemon.markets 41.5
- 7 Lead Bank 40.9
- 8 Uzum 38.7
- 9 Marqeta 38
- 10 The Bank of London 37.2
All 77 members of this roster resolve to a provider in the
catalog; 74 carry a score (96%).
The figures above describe the scored members only.
Coverage caveat. 68 of 74 scored members had under half their catalog-attributable points satisfied at all (catalog_earned / catalog_max < 0.5). They are INCLUDED in the mean above. A large share here means the cohort mean is partly a measurement of how far our enrichment reached, not only of how these providers publish.Generated from the catalog build of 5 October 2026, across 29093 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.
Coverage caveat. 68 of 74 scored members had under half their catalog-attributable points satisfied at all (catalog_earned / catalog_max < 0.5). They are INCLUDED in the mean above. A large share here means the cohort mean is partly a measurement of how far our enrichment reached, not only of how these providers publish.Generated from the catalog build of 5 October 2026, across 29093 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.
Work with this as data
Every tag here is available over the APIs.io API and to AI agents over MCP.