established · 0.0 capabilitymarket resourcedomainindustry

Embedded Finance

Score 25.2 / 100 175 providers +6 via APIs 23 APIs Search apis.io →

Providers using this tag (175)

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

Exemplar 4 Complete, well-documented, and agent-ready
AirwallexCross-Border PaymentsFintechForeign ExchangePayments1 API91.4HighnoteCard IssuingCard AcquiringBanking as a Service1 API71.8LightsparkCompanyPaymentsCross-Border PaymentsStablecoins1 API70.3UpholdCompanyCryptocurrencyDigital AssetsPayments5 APIs68.0
Strong 11 Solid coverage with minor gaps
LiliBankingBusiness BankingFinancial-ServicesFintech3 APIs64.5Finix PaymentsCompanyPaymentsPayment ProcessingPayment Facilitation1 API62.2ResolveCompanyPaymentsB2BNet Terms2 APIs60.6WeavrBanking as a ServicePaymentsCards5 APIs59.3MoovBankingFinancial InfrastructureMoney Movement2 APIs58.9KotaCompanyFintechInsuranceEmployee Benefits2 APIs58.1Zero HashCompanyCrypto InfrastructureDigital AssetsStablecoins4 APIs57.6Lucra SportsGamingSportsGamificationLoyalty1 API56.6JikoCompanyBankingPaymentsTreasury2 APIs55.1SwanCompanyBanking as a ServiceFintech1 API55.1MeshCompanyCryptoCryptocurrencyPayments1 API54.6
Developing 50 Usable, with meaningful gaps to close
MarqetaFintechBackend-as-a-ServiceCard IssuingPayments2 APIs53.7Mesh ConnectCompanyCrypto InfrastructureCrypto PaymentsDigital Assets2 APIs53.1Simplifi/SimplifipayCompanyCardsCard IssuingVirtual Cards1 API53.1hi.healthCompanyInsurancePaymentsCards2 APIs53.0Ramp NetworkCryptocurrencyPaymentsFintechOn-Ramp2 APIs52.2The Bank of LondonCompanyBankingClearing BankPayments1 API52.2VoPayPaymentsCanadaPayments-as-a-Service23 APIs51.9ToqioFintechBanking as a ServicePayments17 APIs51.4CadanaCompanyPayrollPaymentsGlobal Payroll5 APIs51.2BondCompanyUnited StatesBanking as a Service9 APIs51.0Even FinancialCompanyFinancial-ServicesFintech1 API50.8Upward FinancialCompanyFintechCreditCredit Building1 API50.8ModulrPaymentsUnited KingdomBanking as a Service1 API50.4LendAPICompanyLendingLoan OriginationFinancial-Services1 API50.3Fiat RepublicCompanyBankingPaymentsFintech1 API49.7ImprintCompanyFinancial-ServicesFintechCredit Cards1 API49.7SolarisCompanyFintechBankingBanking as a Service1 API49.6IFCompanyFinancial-ServicesBanking as a Service1 API49.1Check TechnologiesCompanyPayrollFintech1 API48.7AscendCompanyFintechInsuranceInsurtech1 API48.4DefactoCompanyFintechLending1 API48.0NymcardCompanyPaymentsCard IssuingBanking as a Service1 API47.9SlopeCompanyFintechPayments1 API47.7TellerooCompanyPaymentsBulk PaymentsPayroll2 APIs47.7GigsCompanyTelecomConnectivityeSIM1 API47.0WayflyerCompanyE-CommerceFintech2 APIs46.9NomosCompanyEnergyElectricityUtilities1 API46.6SunbitBuy Now Pay LaterPoint of Sale FinancingConsumer LendingPayments2 APIs46.4CoinListCompanyFintechCryptocurrencyToken Sales1 API46.2WealthKernelCompanyInvestingWealth ManagementBrokerage1 API45.9KlutchCompanyFinancial-ServicesFintechCredit Cards1 API45.2R2CompanyFinancial-ServicesLending1 API45.1Vayana NetworkCompanyTrade FinanceSupply Chain FinanceTax Compliance1 API44.6ChargeAfterFinancial-ServicesPaymentsLendingBuy Now Pay Later26 APIs44.1CapchaseCompanyFintechPayments1 API43.7Credilinq.aiCompanyFintechLending1 API42.9TopiCompanyFintechHardware as a ServiceRentals1 API42.0FidelCompanyPaymentsCard LinkingTransaction1 API41.8NavBusiness CreditSmall BusinessFinancial-Services1 API41.7MelioB2B PaymentsAccounts PayableAccounts ReceivableBill Pay1 API41.3lemon.marketsCompanyFintechBrokerageInvesting1 API41.0Customers BankFinancial-ServicesBankingUnited StatesBanking as a Service10 APIs40.9PrizeoutCompanyAdvertisingRewardsGift Cards1 API40.8SavvyMoneyCompanyFinancial-ServicesCredit ScoresCredit Monitoring2 APIs40.8Q2CompanyFinancial-ServicesBanking1 API40.4Column TaxCompanyFintechTaxTax Filing1 API40.0flowpay.ioCompanyFinancingLending2 APIs39.8Fifth Third BancorpBankingUnited StatesBanking as a Service1 API39.7KriyaCompanyFintechPayments2 APIs39.7KanmonCompanyFintechEmbedded Lending1 API39.5
Thin 35 Limited public surface area
MercoaMercoaAccounts PayableAccounts Receivable1 API38.0Acorn FinanceCompanyFinancial-ServicesLendingLoans1 API37.3ZealPayrollFintechTax Compliance1 API37.3Muse FinanceCompanyInvoice FinanceTrade Finance1 API37.0PallaCompanyFintechPaymentsCross-Border Payments7 APIs36.9Green Dot CorporationFintechBanking as a ServicePrepaid Cards17 APIs36.5FinmidCompanyEmbedded LendingB2B Payments2 APIs36.4AppboxoCompanySuper AppMini AppsMobile SDK36.0MambuCompanyFintechBankingCore Banking1 API36.0GustoHuman ResourcesPayrollBenefitsEnterprise Software1 API35.8PomeloFintechCard IssuingPayments1 API35.3AtomicFintechPayrollDirect DepositIncome Verification1 API35.2BalanceCompanyFintechPaymentsB2B Payments1 API35.1POINT.METravelAward TravelLoyaltyPoints and Miles1 API34.7GetbalanceCompanyPaymentsB2B PaymentsTrade Credit1 API34.4Tailor BrandsCompanyBusiness FormationComplianceSmall Business1 API34.3WisetackCompanyFintechLendingConsumer Financing1 API34.3Lead BankBankingSponsor BankBanking as a Service1 API33.9SalsaPayrollPayroll as a ServiceFintech1 API33.8Abwab AiCompanyMSME LendingCredit IntelligenceCredit Decisioning1 API33.6SilaBanking as a ServicePaymentsDigital Wallet1 API32.5SpinwheelFintechCredit DataDebtLiabilities1 API32.0UncappedCompanyFintechLending1 API31.9Cross River BankBankingBanking as a ServiceSponsor Bank8 APIs30.3Orbii Tech LtdCompanyFintechLendingCredit Scoring5 APIs30.210x Banking Technology ServicesFinancial-ServicesBankingCore BankingCloud-Native1 API30.0ZayZoonCompanyEarned Wage AccessOn-Demand PayPayroll29.2JarisCompanyFintechPayments29.1LynxCompanyHealthcareFintechPayments1 API28.7OrbiiCompanyArtificial IntelligenceLendingCredit3 APIs28.3HighlinePayrollPaymentsACH1 API28.2Grapes FinanceStablecoinsOn-RampOff-RampFiat1 API27.5OpentradeCompanyStablecoinsYieldLending1 API27.0LendioLendingSmall BusinessLoansFintech2 APIs26.8WallexCompanyPaymentsCross-Border PaymentsForeign Exchange1 API26.5
Emerging 38 Early or largely undocumented
LadderCompanyInsuranceInsurtechLife Insurance1 API25.6Open (open.money)Connected BankingNeobankSMB10 APIs25.6ArrayCompanyFintechCredit Data1 API25.5CRBCompanyBankingBanking as a Service1 API25.3Klarna KosmaOpen BankingPSD2AISPIS6 APIs25.2JifitiBankingBuy Now Pay LaterEmbedded Lending2 APIs25.0Episode SixCompanyPaymentsCard IssuingIssuer Processing2 APIs24.5MortyCompanyMortgageLendingFintech24.4PatientFihealthcare-financingPatient FinancingConsumer LendingPoint of Sale Financing23.0HokodoCompanyFintechB2B PaymentsBuy Now Pay Later1 API22.9AmplifyCompanyInsuranceInsurtechLife Insurance1 API22.8CardlessCompanyFinancial-ServicesFintechCredit Cards2 APIs22.1PipeCompanyFintechCapital20.8CheckPayrollEmbedded PayrollPayroll InfrastructurePayroll API4 APIs20.7SetuUPIBBPSAccount Aggregator8 APIs20.6FalconCompanyInfrastructureFinancial-ServicesBanking1 API19.6ElevateCompanyBenefits AdministrationHealth Savings AccountsFlexible Spending Accounts19.1ConstantinopleCompanyFintechBankingCore Banking18.5FundboxFintechB2B CreditNet Terms1 API17.8EnerveeCompanyEnergyEnergy EfficiencyMarketplace17.3AstroPayPaymentsPayment ProcessingPayoutsWallets20 APIs16.1FairplayCompanyFinancial-ServicesLending15.7ParafinCompanyFintechLending1 API15.6MesaCompanyFintechPaymentsInvoice Financing1 API14.8Comfi Holdings LimitedCompanyFintechWorking CapitalInvoice Discounting14.0ClooverCompanyFintechClimateRenewable Energy13.9Credi2CompanyLendingBuy Now Pay Later13.9DockBankingPaymentsCardsCard Issuing1 API13.8MONI (Ex-Monisnap)CompanyFintech InsurtechMoney TransferRemittances13.5SellersfiCompanyFintechFinancial-ServicesLending13.3ZiroCompanyFintechCreditLending13.3OatfiCompanyFintechB2B Payments13.1HrmonyCompanyHuman ResourcesEmployee BenefitsHR Tech13.0JSW OneCompanyB2B CommerceMarketplaceConstruction13.0ButnPaymentsAustraliaInvoice Finance12.3FeesableCompanyFintechLending11.7AtomicCompanyInvestingWealth ManagementBrokerage11.2Efficient Capital LabsCompanyFintechLendingNon-Dilutive Capital11.1
Minimal 37 Almost no public developer surface
OportunCompanyFintechLendingConsumer Finance10.9AAZZURCompanyBanking as a ServiceFintech10.6ClairCompanyFinancial-ServicesFintechEarned Wage Access10.2Flow48CompanyFintechFinancial-Services10.2RupifiCompanyFintechBuy Now Pay Later9.98figCompanyE-CommerceFintechFinancing9.7SilvrCompanyFintech InsurtechLendingRevenue-Based Financing9.5KlaimCompanyFinancial-ServicesFintechHealthcare9.1MercantileCompanyCredit CardsCard Issuing9.1MooveCompanyFintechMobilityVehicle Financing9.1BizongoCompanyE-CommerceB2BSupply Chain8.5SkepsCompanyConsumerFintech8.1JenfiCompanyFinancial-ServicesFintechLending8.0GangkharCompanyInsuranceEmbedded InsuranceInsurtech7.5UpswingCompanyFintechOpen Finance7.5FairbancCompanyFinancial-ServicesFintechLending7.1PollenCompanyFintechPaymentsBanking7.0CashDirectorCompanyFintechAccountingCash Flow6.0TalaCompanyFinancial-ServicesFintechLending6.0EradCompanyFintechFinancial-ServicesLending5.7Knight FintechCompanyEnterpriseFinancial-ServicesBanking5.610 PercentCompanyAgricultureAgTechFintech5.0AgragaLogisticsFreightFreight ForwardingSupply Chain5.0BetaStore, Beta StoreCompanyB2B MarketplaceRetailFMCG5.0KatchCompanyAgricultureAgTech5.0TransbnkCompanyFintechTransaction BankingCorporate Banking5.0PayitoffCompanyFinancial-ServicesFintechDebt Management4.4NikoCompanyEnergySolarRenewable Energy3.3Brim FinancialFinancial-ServicesBankingCanadaFintech2.9InveraCompanyFintechInvestingBrokerage2.5Kobo360LogisticsFreightTruckingDigital Freight Marketplace2.5DeserveCompanyConsumerFintechCredit Cards1.5FortuCompanyFintechPrivate BankingWealth Management1.5NowpayCompanyFintechFinancial WellnessEarned Wage Access1.5RizeCompanyFintechBankingBanking as a Service1.5Capital.xyzCompanyFintechBankingStartups0.7Solid (Solid.fi)Banking as a ServicePaymentsCards0.1

APIs with this tag (23)

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 →

Exemplar 2 Complete, well-documented, and agent-ready
Airwallex Platform APIThe Airwallex Platform API enables businesses to embed financial services into their products. Supports mer...91.4Citizens Pay APICitizens Pay is the buy-now-pay-later embedded financing platform offered by Citizens Bank. The Citizens Pa...67.1
Strong 2 Solid coverage with minor gaps
Moov DropsMoov Drops are pre-built, drop-in web UI components for complicated payment and account management flows. T...58.9Jiko Partner APIThe Partner API is for applications that embed Jiko's services and offer Jiko products to their own custome...55.1
Developing 8 Usable, with meaningful gaps to close
Bond Cards APIIssue and manage physical, virtual, debit, secured charge, and credit-builder cards. Create cards and card ...51.0Bond Ledger (Transactions) APIRetrieve all transactions available to a brand with pagination and optional filtering, and fetch details fo...51.0Telleroo Partner APIRESTful Embedded Payments API (v3) to build Telleroo into your own platform: authorize against client compa...47.7TronZap Wallet Orders APIFully public, unauthenticated Orders API for non-custodial wallet integrations. Four operations — POST /v1/...42.1Nav Partner APIREST API for Nav partner integrations. Partners authenticate with a Bearer token API key issued during onbo...41.7Helix by Q2 APIThe Helix by Q2 REST API lets developers incorporate real FDIC-insured savings and/or checking accounts int...40.4Column Tax APIREST API to embed IRS-authorized income-tax preparation and e-filing. Create a Column Tax user, obtain a sh...40.0Flowpay Partner APIFlowpay's REST partner API for the Fully Embedded (Native) lending flow - customer onboarding and service a...39.8
Thin 6 Limited public surface area
Acorn Finance Partner APIThe Acorn Finance partner REST API. Basic-authenticated JSON endpoints on api.acornfinance.com let point-of...37.3Goldman Sachs Transaction Banking (TxB) APIGoldman Sachs Transaction Banking (TxB) provides programmatic access for eligible partners and clients to e...36.9Paysafe Embedded Wallets APIA REST API enabling platforms to embed digital wallet functionality directly into their products. Customers...34.5Yodlee FastLinkFastLink 4 is Yodlee's white-label account aggregation widget that enables users to securely link their fin...32.1BMO Payment APISends and collects domestic and international payments directly from a client's application, with account v...31.0Lendio Loan Marketplace APIREST API for connecting small businesses with lenders. Supports loan application submission, eligibility ch...26.8
Emerging 5 Early or largely undocumented
Ladder APIThe Ladder API is an embedded term-life-insurance distribution surface for partner platforms. It is deliver...25.6Array APIArray's REST API for embedded consumer-credit, identity and background-data products. Confirmed live at htt...25.5Amplify Distribution APIPrivate partner-facing API behind api.getamplifylife.com, used for Amplify's embedded distribution motion (...22.8Cardless Partner APIThe Cardless partner API surface used by brands to embed a co-branded credit card program: partner authenti...22.1Parafin APIWhite-labeled embedded finance REST API for offering business financing — creating businesses, persons, and...15.6

Companies reaching this through an API (6)

These companies publish an API, specification or operation carrying “Embedded Finance” 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.

BMO Financial Group Citizens Financial Group Goldman Sachs Paysafe TronZap Yodlee

Score breakdown

Frequency
62.9
log-scaled weighted occurrences
Breadth
4.8
spread across providers
Quality lift
34.5
mean composite of providers using it
Cohesion
9.1
strength of nearest seed neighbor

Related tags

Banking as a Service 35 co-occurrences Lending 62 co-occurrences Card Issuing 20 co-occurrences Buy Now Pay Later 21 co-occurrences Cards 26 co-occurrences Working Capital 17 co-occurrences KYC 25 co-occurrences Fintech 141 co-occurrences

Where this tag comes from

Provider tag175
Api tag23

Cohort brief

Auto-generated

The 170 providers in the APIs.io catalog tagged Embedded Finance, scored on the Kin Score. Every figure below is computed from the catalog — nothing here is written.

Providers
170
all scored
Mean Kin Score
31.3
+7.4 vs catalog 23.9
Mean Agent Readiness
17.8
+5.8 vs catalog 12
Spread
1.5–91.4
median 33.1 · σ 18.3
How the 170 split by band
Exemplar 4Strong 11Developing 50Thin 35Emerging 38Minimal 32
Facet averages, against the whole catalog
FacetThis cohortCatalogDifferenceScored
Developer Ergonomics 34.8 23.4 +11.4 170
Contract Quality 27.3 19.8 +7.5 170
Operational Transparency 20.9 14 +6.9 170
Discoverability 67.2 61.2 +6 170
Access Clarity 30.3 26.5 +3.8 170
Contract Governance 7.6 6.4 +1.2 170

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) 14% 10% +4
MCP server (first-party) 17% 13% +4
Agent Skills 0% 0% 0
OAuth scopes 14% 11% +3
Security 100% 97% +3
Arazzo workflows 5% 2% +3
Governance rules 3% 14% -11

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 Airwallex 91.4
  2. 2 Highnote 71.8
  3. 3 Lightspark 70.3
  4. 4 Uphold 68
  5. 5 Lili 64.5
  6. 6 Finix Payments 62.2
  7. 7 Resolve 60.6
  8. 8 Weavr 59.3
  9. 9 Moov 58.9
  10. 10 Kota 58.1
Top by Agent Readiness
  1. 1 ChargeAfter 56.9
  2. 2 Modulr 49.7
  3. 3 Airwallex 49
  4. 4 Lili 48.6
  5. 5 Resolve 48
  6. 6 Weavr 46.7
  7. 7 Lightspark 46.2
  8. 8 Klutch 44.1
  9. 9 Fifth Third Bancorp 43.7
  10. 10 Customers Bank 43.6
All 175 members of this roster resolve to a scored provider in the catalog.Generated from the catalog build of 15 September 2026, across 27661 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.

MCP server

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https://apis.io/mcp

Tools for tags

7 MCP tools reach this
  • find_tagsBrowse and filter every tag in the catalog.
  • get_cohortThis tag as a scored cohort — every provider carrying it, with scores.
  • cohort_statsPRO — the distribution across this tag: mean, median, band split, adoption rates.
  • cohort_rankingsPRO — the leaderboard, on composite AND agent-readiness axes.
  • apis_io_searchSTART HERE — APIs, providers and tags for one query, each with its total.
  • resolveTurn a domain, URL or GitHub org into the provider it belongs to.
  • find_cohortsEvery scored population of providers in the catalog.
All 92 tools →

Call it yourself

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This tag 
curl "https://apis.io/api/v1/tags/embedded-finance"
All tags 
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As a scored cohort 
curl "https://apis.io/api/v1/cohorts/tag/embedded-finance"
The distribution (Pro) 
curl "https://apis.io/api/v1/cohorts/tag/embedded-finance/stats" \
  -H "X-API-Key: $APIS_IO_KEY"

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