established · 1.9 capabilitymarket resourcedomainindustry

Embedded Finance

Score 25.5 / 100 167 providers 22 APIs Search apis.io →
Variants seen in the corpus: Embedded Financeembedded-finance

Providers using this tag (167)

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

Exemplar 3 Complete, well-documented, and agent-ready
HighnoteCard IssuingCard AcquiringBanking as a Service7 APIs75.4LightsparkCompanyPaymentsCross-Border PaymentsStablecoins22 APIs71.4UpholdCompanyCryptocurrencyDigital AssetsPayments25 APIs69.1
Strong 12 Solid coverage with minor gaps
Finix PaymentsCompanyPaymentsPayment ProcessingPayment Facilitation19 APIs65.8WeavrBanking as a ServicePaymentsCards43 APIs62.6KotaCompanyFintechInsuranceEmployee Benefits33 APIs61.2Zero HashCompanyCrypto InfrastructureDigital AssetsStablecoins31 APIs61.1MoovBankingFinancial InfrastructureMoney Movement16 APIs58.1ResolveCompanyPaymentsB2BNet Terms12 APIs58.1MeshCompanyCryptoCryptocurrencyPayments9 APIs57.5JikoCompanyBankingPaymentsTreasury2 APIs56.5Simplifi/SimplifipayCompanyCardsCard IssuingVirtual Cards9 APIs56.1Mesh ConnectCompanyCrypto InfrastructureCrypto PaymentsDigital Assets12 APIs56.0AirwallexCross-Border PaymentsFintechForeign ExchangePayments14 APIs55.6SwanCompanyBanking as a ServiceFintech1 API55.5
Developing 44 Usable, with meaningful gaps to close
LendAPICompanyLendingLoan OriginationFinancial-Services13 APIs53.2ImprintCompanyFinancial-ServicesFintechCredit Cards14 APIs52.9VoPayPaymentsCanadaPayments-as-a-Service23 APIs52.7Even FinancialCompanyFinancial-ServicesFintech6 APIs51.0DefactoCompanyFintechLending18 APIs50.9Upward FinancialCompanyFintechCreditCredit Building17 APIs50.9Fiat RepublicCompanyBankingPaymentsFintech1 API50.6IFCompanyFinancial-ServicesBanking as a Service1 API50.5AscendCompanyFintechInsuranceInsurtech23 APIs50.3CadanaCompanyPayrollPaymentsGlobal Payroll30 APIs50.3SolarisCompanyFintechBankingBanking as a Service1 API49.8WayflyerCompanyE-CommerceFintech12 APIs49.7NomosCompanyEnergyElectricityUtilities12 APIs49.5BondCompanyUnited StatesBanking as a Service9 APIs49.4Check TechnologiesCompanyPayrollFintech1 API49.0ThatchHealth InsuranceHealth BenefitsICHRAEmployee Benefits7 APIs49.0ModulrPaymentsUnited KingdomBanking as a Service9 APIs48.7CoinListCompanyFintechCryptocurrencyToken Sales11 APIs48.6SoFiPersonal FinanceBankingLendingStudent Loans4 APIs48.6ToqioFintechBanking as a ServicePayments49 APIs48.5NymcardCompanyPaymentsCard IssuingBanking as a Service1 API48.2SlopeCompanyFintechPayments10 APIs47.8GigsCompanyTelecomConnectivityeSIM1 API47.7SunbitBuy Now Pay Laterpoint-of-sale-financingConsumer LendingPayments2 APIs47.0KlutchCompanyFinancial-ServicesFintechCredit Cards1 API46.9TellerooCompanyPaymentsBulk PaymentsPayroll2 APIs46.9WealthKernelCompanyInvestingWealth ManagementBrokerage1 API46.6ChargeAfterFinancial-ServicesPaymentsLendingBuy Now Pay Later12 APIs46.5MarqetaFintechBackend-as-a-ServiceCard IssuingPayments81 APIs46.1Credilinq.aiCompanyFintechLending8 APIs45.9hi.healthCompanyInsurancePaymentsCards2 APIs45.7R2CompanyFinancial-ServicesLending8 APIs45.2Cross RiverBanking as a ServiceBackend-as-a-ServicePayments7 APIs44.9TopiCompanyFintechHardware as a ServiceRentals5 APIs44.9CapchaseCompanyFintechPayments1 API43.1lemon.marketsCompanyFintechBrokerageInvesting17 APIs42.9Fifth Third BancorpBankingUnited StatesBanking as a Service13 APIs42.5FidelCompanyPaymentsCard LinkingTransaction1 API41.7Customers BankFinancial-ServicesBankingUnited StatesBanking as a Service10 APIs41.6PallaCompanyFintechPaymentsCross-Border Payments7 APIs41.3flowpay.ioCompanyFinancingLending2 APIs40.4KriyaCompanyFintechPayments6 APIs40.1KanmonCompanyFintechEmbedded Lending14 APIs39.6MelioB2B PaymentsAccounts PayableAccounts ReceivableBill Pay1 API39.6
Thin 31 Limited public surface area
Column TaxCompanyFintechTaxTax Filing1 API39.2Q2CompanyFinancial-ServicesBanking1 API39.1GustoHuman ResourcesPayrollBenefitsEnterprise Software12 APIs37.7WisetackCompanyFintechLendingConsumer Financing1 API37.6Muse FinanceCompanyInvoice FinanceTrade Finance1 API37.3ZealPayrollFintechTax Compliance10 APIs36.9Green Dot CorporationFintechBanking as a ServicePrepaid Cards17 APIs36.8FinmidCompanyEmbedded LendingB2B Payments2 APIs36.7AppboxoCompanySuper AppMini AppsMobile SDK36.3MambuCompanyFintechBankingCore Banking1 API36.3MercoaMercoaAccounts PayableAccounts Receivable10 APIs35.4Lead BankBankingSponsor BankBanking as a Service22 APIs35.1PomeloFintechCard IssuingPayments6 APIs34.9AtomicFintechPayrollDirect DepositIncome Verification9 APIs34.8Goldman SachsBankingFinancialInvestment BankingMoney Center9 APIs34.1SalsaPayrollPayroll as a ServiceFintech8 APIs34.1UncappedCompanyFintechLending5 APIs33.8GetbalanceCompanyPaymentsB2B PaymentsTrade Credit1 API33.6Abwab AiCompanyMSME LendingCredit IntelligenceCredit Decisioning1 API32.9SilaBanking as a ServicePaymentsDigital Wallet6 APIs32.9Orbii Tech LtdCompanyFintechLendingCredit Scoring31 APIs32.4YodleeFinancial DataData AggregationBankingFintech23 APIs32.2BMO Financial GroupFinancial-ServicesBankingCanadaBig Six6 APIs32.1BalanceCompanyFintechPaymentsB2B Payments1 API32.0SpinwheelFintechCredit DataDebtLiabilities7 APIs31.6PaysafePaymentsDigital WalletPrepaid CardsFinancial-Services9 APIs30.7OrbiiCompanyArtificial IntelligenceLendingCredit15 APIs30.5Grapes FinanceStablecoinsOn-RampOff-RampFiat6 APIs29.6HighlinePayrollPaymentsACH10 APIs29.4JarisCompanyFintechPayments29.1LynxCompanyHealthcareFintechPayments1 API27.9
Emerging 41 Early or largely undocumented
WallexCompanyPaymentsCross-Border PaymentsForeign Exchange1 API26.1LadderCompanyInsuranceInsurtechLife Insurance1 API26.0OpentradeCompanyStablecoinsYieldLending1 API26.0CRBCompanyBankingBanking as a Service1 API25.3Klarna KosmaOpen BankingPSD2AISPIS6 APIs25.2Episode SixCompanyPaymentsCard IssuingIssuer Processing2 APIs24.8ArrayCompanyFintechCredit Data1 API24.7LendioLendingSmall BusinessLoansFintech2 APIs24.7MortyCompanyMortgageLendingFintech24.4CardlessCompanyFinancial-ServicesFintechCredit Cards2 APIs22.5HokodoCompanyFintechB2B PaymentsBuy Now Pay Later1 API22.2AmplifyCompanyInsuranceInsurtechLife Insurance1 API22.1Citizens Financial GroupBankingBuy Now Pay LaterFinancial-ServicesFDX6 APIs21.9PipeCompanyFintechCapital20.8SetuUPIBBPSAccount Aggregator8 APIs20.6Open (open.money)Connected BankingNeobankSMB10 APIs20.4FalconCompanyInfrastructureFinancial-ServicesBanking1 API19.6ElevateCompanyBenefits AdministrationHealth Savings AccountsFlexible Spending Accounts19.1ConstantinopleCompanyFintechBankingCore Banking17.8FundboxFintechB2B CreditNet Terms1 API17.8EnerveeCompanyEnergyEnergy EfficiencyMarketplace17.3MesaCompanyFintechPaymentsInvoice Financing2 APIs17.0AstroPayPaymentsPayment ProcessingPayoutsWallets20 APIs16.1ParafinCompanyFintechLending1 API15.9FairplayCompanyFinancial-ServicesLending15.7Cross River BankBankingBanking as a ServiceSponsor Bank8 APIs15.6Comfi Holdings LimitedCompanyFintechWorking CapitalInvoice Discounting14.0ClooverCompanyFintechClimateRenewable Energy13.9Credi2CompanyLendingBuy Now Pay Later13.9DockBankingPaymentsCardsCard Issuing1 API13.8CheckPayrollEmbedded PayrollPayroll InfrastructurePayroll API4 APIs13.6ClearcoCompanyFintechFinancingE-Commerce13.3SellersfiCompanyFintechFinancial-ServicesLending13.3ZiroCompanyFintechCreditLending13.3OatfiCompanyFintechB2B Payments13.1HrmonyCompanyHuman ResourcesEmployee BenefitsHR Tech13.0MONI (Ex-Monisnap)CompanyFintech InsurtechMoney TransferRemittances12.7ButnPaymentsAustraliaInvoice Finance12.3FeesableCompanyFintechLending11.7AtomicCompanyInvestingWealth ManagementBrokerage11.2Efficient Capital LabsCompanyFintechLendingNon-Dilutive Capital11.1
Minimal 36 Almost no public developer surface
OportunCompanyFintechLendingConsumer Finance10.9AAZZURCompanyBanking as a ServiceFintech10.6ClairCompanyFinancial-ServicesFintechEarned Wage Access10.2Flow48CompanyFintechFinancial-Services10.2RupifiCompanyFintechBNPL9.98figCompanyE-CommerceFintechFinancing9.7SilvrCompanyFintech InsurtechLendingRevenue-Based Financing9.5MercantileCompanyCredit CardsCard Issuing9.1MooveCompanyFintechMobilityVehicle Financing9.1BizongoCompanyE-CommerceB2BSupply Chain8.5KlaimCompanyFinancial-ServicesFintechHealthcare8.3SkepsCompanyConsumerFintech8.1FairbancCompanyFinancial-ServicesFintechLending7.1PollenCompanyFintechPaymentsBanking7.0UpswingCompanyFintechOpen Finance6.8GangkharCompanyInsuranceEmbedded InsuranceInsurtech6.7CashDirectorCompanyFintechAccountingCash Flow6.0TalaCompanyFinancial-ServicesFintechLending6.0EradCompanyFintechFinancial-ServicesLending5.7Knight FintechCompanyEnterpriseFinancial-ServicesBanking5.610 PercentCompanyAgricultureAgTechFintech5.0BetaStore, Beta StoreCompanyB2B MarketplaceRetailFMCG5.0KatchCompanyAgricultureAgTech5.0TransbnkCompanyFintechTransaction BankingCorporate Banking5.0PayitoffCompanyFinancial-ServicesFintechDebt Management4.4BondCardsIssuingPayments4.3NikoCompanyEnergySolarRenewable 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 (22)

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 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...58.1Jiko Partner APIThe Partner API is for applications that embed Jiko's services and offer Jiko products to their own custome...56.5Airwallex Platform APIThe Airwallex Platform API enables businesses to embed financial services into their products. Supports mer...55.6
Developing 6 Usable, with meaningful gaps to close
Bond Cards APIIssue and manage physical, virtual, debit, secured charge, and credit-builder cards. Create cards and card ...49.4Bond Ledger (Transactions) APIRetrieve all transactions available to a brand with pagination and optional filtering, and fetch details fo...49.4SoFi Business Banking APISoFi Business Banking (marketed as Big Business Banking) is SoFi Bank, N.A.'s API-driven commercial platfor...48.6SoFi Tech Solutions Platform APISoFi Tech Solutions (formerly Galileo Financial Technologies, a SoFi company) is SoFi's B2B fintech platfor...48.6Telleroo Partner APIRESTful Embedded Payments API (v3) to build Telleroo into your own platform: authorize against client compa...46.9Flowpay Partner APIFlowpay's REST partner API for the Fully Embedded (Native) lending flow - customer onboarding and service a...40.4
Thin 6 Limited public surface area
Column Tax APIREST API to embed IRS-authorized income-tax preparation and e-filing. Create a Column Tax user, obtain a sh...39.2Helix by Q2 APIThe Helix by Q2 REST API lets developers incorporate real FDIC-insured savings and/or checking accounts int...39.1Goldman Sachs Transaction Banking (TxB) APIGoldman Sachs Transaction Banking (TxB) provides programmatic access for eligible partners and clients to e...34.1Yodlee FastLinkFastLink 4 is Yodlee's white-label account aggregation widget that enables users to securely link their fin...32.2BMO Payment APISends and collects domestic and international payments directly from a client's application, with account v...32.1Paysafe Embedded Wallets APIA REST API enabling platforms to embed digital wallet functionality directly into their products. Customers...30.7
Emerging 7 Early or largely undocumented
Ladder APIThe Ladder API is an embedded term-life-insurance distribution surface for partner platforms. It is deliver...26.0Array APIArray's REST API for embedded consumer-credit, identity and background-data products. Confirmed live at htt...24.7Lendio Loan Marketplace APIREST API for connecting small businesses with lenders. Supports loan application submission, eligibility ch...24.7Cardless Partner APIThe Cardless partner API surface used by brands to embed a co-branded credit card program: partner authenti...22.5Amplify Distribution APIPrivate partner-facing API behind api.getamplifylife.com, used for Amplify's embedded distribution motion (...22.1Citizens Pay APICitizens Pay is the buy-now-pay-later embedded financing platform offered by Citizens Bank. The Citizens Pa...21.9Parafin APIWhite-labeled embedded finance REST API for offering business financing — creating businesses, persons, and...15.9

Score breakdown

Frequency
62.3
log-scaled weighted occurrences
Breadth
4.6
spread across providers
Quality lift
36.4
mean composite of providers using it
Cohesion
10.0
strength of nearest seed neighbor

Related tags

Banking as a Service 35 co-occurrences Lending 58 co-occurrences Card Issuing 20 co-occurrences Cards 27 co-occurrences Working Capital 17 co-occurrences ACH 18 co-occurrences KYC 25 co-occurrences Fintech 134 co-occurrences

Where this tag comes from

Provider tag161
Api tag22

Cohort brief

Auto-generated

The 167 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
167
all scored
Mean Kin Score
29.9
+9.2 vs catalog 20.7
Mean Agent Readiness
16.6
+6.9 vs catalog 9.7
Spread
0.1–75.4
median 31.6 · σ 18.5
How the 167 split by band
Exemplar 3Strong 12Developing 44Thin 31Emerging 41Minimal 36
Facet averages, against the whole catalog
FacetThis cohortCatalogDifferenceScored
Developer Ergonomics 32.3 17.9 +14.4 167
Contract Quality 27.4 17.5 +9.9 167
Discoverability 68.5 60.4 +8.1 167
Operational Transparency 19.1 11.3 +7.8 167
Access Clarity 27.3 22.3 +5 167
Contract Governance 10.1 6.4 +3.7 167

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) 40% 16% +24
MCP server (first-party) 12% 7% +5
Agent Skills 0% 0% 0
OAuth scopes 12% 9% +3
Security 97% 88% +9
Arazzo workflows 5% 2% +3
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 Lightspark 71.4
  3. 3 Uphold 69.1
  4. 4 Finix Payments 65.8
  5. 5 Weavr 62.6
  6. 6 Kota 61.2
  7. 7 Zero Hash 61.1
  8. 8 Moov 58.1
  9. 9 Resolve 58.1
  10. 10 Mesh 57.5
Top by Agent Readiness
  1. 1 ChargeAfter 60.2
  2. 2 Lightspark 52.6
  3. 3 Uphold 50.7
  4. 4 Customers Bank 48.4
  5. 5 Modulr 48
  6. 6 Weavr 46.7
  7. 7 Klutch 44.1
  8. 8 Resolve 42.2
  9. 9 lemon.markets 41.5
  10. 10 Kota 39.9
All 167 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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