Embedded Finance
Providers using this tag (178)
Ranked by API Evangelist rating — Exemplar and Strong are expanded by default.
Strong 10 Solid coverage with minor gaps
Developing 43 Usable, with meaningful gaps to close
Zero HashModulrLucra SportsMeshJikoThe Bank of LondonMesh ConnectLithicMarqetaSimplifipayRamp Networkhi.healthEven FinancialBondCadanaUpward FinancialLendAPIIncreaseWayflyerFiat RepublicToqioImprintSolarisSlopeAscendDefactoIFTellerooNymcardGigsWealthKernelSunbitNomosR2CoinListChargeAfterKlutchNavVayana NetworkCapchaseCredilinq.aiFifth Third BancorpKanmon
Thin 45 Limited public surface area
FidelTopilemon.marketsPrizeoutflowpay.ioQ2Acorn FinanceMelioCustomers BankColumn TaxPallaSavvyMoneyColumnMercoaKriyaMuse FinanceGustoTreasury PrimeAppboxoMambuFinmidTailor BrandsAbwab AiZealGreen DotPOINT.MEPomeloWisetackLead BankBalanceSalsaAtomicSilaUncappedSwanSpinwheelCross River Bank10x Banking Technology ServicesZayZoonLynxJarisHighlineOpentradeOrbiiGrapes Finance
Emerging 40 Early or largely undocumented
ArrayWallexOpen (open.money)SyncteraMortyJifitiKlarna KosmaLadderLendioHokodoEpisode SixPatientFiAmplifyCheckCardlessPipeFalconSetuConstantinopleElevateFundboxFairplayAstroPayEnerveeParafinMesaClooverZiroComfiCredi2DockMONI (Ex-Monisnap)OatfiSellersfiButnJSW OneFeesableAtomicHrmonyEfficient Capital Labs
Minimal 37 Almost no public developer surface
APIs with this tag (25)
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 1 Complete, well-documented, and agent-ready
Strong 3 Solid coverage with minor gaps
Moov DropsMoov Drops are pre-built, drop-in web UI components for complicated payment and account management flows. T...Citizens Pay APICitizens Pay is the buy-now-pay-later embedded financing platform offered by Citizens Bank. The Citizens Pa...Payrix Embedded Finance APIEmbedded Finance stores information related to the activation of the resource for an entity. EmbeddedFinanc...
Developing 7 Usable, with meaningful gaps to close
Jiko Partner APIThe Partner API is for applications that embed Jiko's services and offer Jiko products to their own custome...Bond Cards APIIssue and manage physical, virtual, debit, secured charge, and credit-builder cards. Create cards and card ...Bond Ledger (Transactions) APIRetrieve all transactions available to a brand with pagination and optional filtering, and fetch details fo...Telleroo Partner APIRESTful Embedded Payments API (v3) to build Telleroo into your own platform: authorize against client compa...ADP Embedded Payroll (RUN)ADP Embedded Payroll lets a software platform embed complete RUN Powered by ADP payroll screens — "Journeys...Nav Partner APIREST API for Nav partner integrations. Partners authenticate with a Bearer token API key issued during onbo...TronZap Wallet Orders APIFully public, unauthenticated Orders API for non-custodial wallet integrations. Four operations — POST /v1/...
Thin 8 Limited public surface area
Flowpay Partner APIFlowpay's REST partner API for the Fully Embedded (Native) lending flow - customer onboarding and service a...Helix by Q2 APIThe Helix by Q2 REST API lets developers incorporate real FDIC-insured savings and/or checking accounts int...Acorn Finance Partner APIThe Acorn Finance partner REST API. Basic-authenticated JSON endpoints on api.acornfinance.com let point-of...Column Tax APIREST API to embed IRS-authorized income-tax preparation and e-filing. Create a Column Tax user, obtain a sh...Goldman Sachs Transaction Banking (TxB) APIGoldman Sachs Transaction Banking (TxB) provides programmatic access for eligible partners and clients to e...Paysafe Embedded Wallets APIA REST API enabling platforms to embed digital wallet functionality directly into their products. Customers...BMO Payment APISends and collects domestic and international payments directly from a client's application, with account v...Yodlee FastLinkFastLink 4 is Yodlee's white-label account aggregation widget that enables users to securely link their fin...
Emerging 6 Early or largely undocumented
Array APIArray's REST API for embedded consumer-credit, identity and background-data products. Confirmed live at htt...Ladder APIThe Ladder API is an embedded term-life-insurance distribution surface for partner platforms. It is deliver...Lendio Loan Marketplace APIREST API for connecting small businesses with lenders. Supports loan application submission, eligibility ch...Amplify Distribution APIPrivate partner-facing API behind api.getamplifylife.com, used for Amplify's embedded distribution motion (...Cardless Partner APIThe Cardless partner API surface used by brands to embed a co-branded credit card program: partner authenti...Parafin APIWhite-labeled embedded finance REST API for offering business financing — creating businesses, persons, and...
Companies reaching this through an API (8)
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.
Score breakdown
Frequency
63.1
log-scaled weighted occurrences
Breadth
4.6
spread across providers
Quality lift
36.6
mean composite of providers using it
Cohesion
11.1
strength of nearest seed neighbor
Where this tag sits
178 providers carry this tag directly, and 281 counting the 5 narrower tags below — 103 more to reach.
Fintech broader
Banking as a Service
77 providers
Embedded Payments
13 providers
Embedded Banking
5 providers
Embedded Lending
4 providers
Embedded Insurance
55 providers
Related tags
Banking as a Service 41 co-occurrences
Card Issuing 26 co-occurrences
Lending 62 co-occurrences
Cards 31 co-occurrences
KYC 30 co-occurrences
ACH 20 co-occurrences
Buy Now Pay Later 20 co-occurrences
Working Capital 17 co-occurrences
Where this tag comes from
Provider tag178
Api tag25
Cohort brief
Auto-generatedThe 173 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
173
all scored
Mean Kin Score
30.5
+7.6 vs catalog 22.9
Mean Agent Readiness
18.2
+6.3 vs catalog 11.9
Spread
0–85.3
median 32 · σ 17.7
How the 173 split by band
Exemplar 3Strong 10Developing 43Thin 45Emerging 40Minimal 32
Facet averages, against the whole catalog
| Facet | This cohort | Catalog | Difference | Scored |
|---|---|---|---|---|
| Developer Ergonomics | 34.7 | 23.2 | +11.5 | 173 |
| Contract Quality | 26.5 | 17.6 | +8.9 | 173 |
| Operational Transparency | 21.2 | 13.7 | +7.5 | 173 |
| Discoverability | 64.9 | 58.1 | +6.8 | 173 |
| Access Clarity | 31.7 | 26.5 | +5.2 | 173 |
| Contract Governance | 7.4 | 6.3 | +1.1 | 173 |
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) | 17% | 14% | +3 |
| MCP server (first-party) | 15% | 12% | +3 |
| Agent Skills | 0% | 0% | 0 |
| OAuth scopes | 14% | 11% | +3 |
| Security | 100% | 98% | +2 |
| Arazzo workflows | 5% | 2% | +3 |
| Governance rules | 4% | 14% | -10 |
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
Top by Agent Readiness
- 1 Resolve 62.1
- 2 Airwallex 61.6
- 3 Modulr 49.7
- 4 Lili 48.6
- 5 Weavr 46.7
- 6 Lightspark 46.2
- 7 ChargeAfter 45.9
- 8 Fifth Third Bancorp 43.7
- 9 Customers Bank 43.6
- 10 Uphold 42.1
All 178 members of this roster resolve to a scored provider in
the catalog.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.