Open Finance
Business capabilities this tag reaches
Payments & Card Management 1
Providers using this tag (81)
Ranked by API Evangelist rating — Exemplar and Strong are expanded by default.
Exemplar 1 Complete, well-documented, and agent-ready
Developing 10 Usable, with meaningful gaps to close
Thin 10 Limited public surface area
Emerging 21 Early or largely undocumented
Minimal 37 Almost no public developer surface
Webster BankAtlantic Union BankCIBCPNCBank OZKBECUFinverseLive Oak BankCadence BankSecurity Service Federal Credit UnionOld National BankValley National BankColumbia BankProsperity BankTexas Capital BankAlly FinancialSchoolsFirst FCUBarclays USSantander USUpswingRandolph-Brooks FCUFirst Tech Federal Credit UnionBOK FinancialState Employees' Credit UnionPinnacle FinancialAlliant Credit UnionFlagstarPenFed Credit UnionTransbnkZions BancorporationCanadian Western BankDCU (Digital Federal Credit Union)VyStar Credit UnionGolden 1 Credit UnionMountain America Credit UnionSuncoast Credit UnionOkra
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 2 Solid coverage with minor gaps
Developing 6 Usable, with meaningful gaps to close
Akoya Accounts APIFDX-aligned REST endpoints returning the list of a consumer's permissioned accounts and detailed account in...Akoya Balances APIReturns real-time and available balance information for a consumer's permissioned accounts across the Akoya...Akoya Consent APIPlatform/service API for managing consumer consent grants across the Akoya network, letting data recipients...Akoya Statements APILists and retrieves account statements for a consumer's consented accounts, returning the set of available ...Akoya Transactions APIRetrieves transaction history for a consumer's permissioned accounts, returning FDX-aligned transaction rec...Argyle Banking APIOpen-finance surface that pulls direct-from-bank account, balance, transaction, and institution metadata fo...
Thin 6 Limited public surface area
Efí Open Finance APIPix payment initiation via Open Finance. Host openfinance.api.efipay.com.br, mTLS required.Celcoin Open Finance APIOpen Finance and Open Banking APIs for Payment Initiation (ITP with and without redirect), account linking ...Konsentus Open Trust PlatformEnd-to-end platform used by central banks and market operators to build, manage, and maintain national or r...Insurely Open Finance APICreate end users, capture consent, run data collections (including PSD2 banking data), and retrieve structu...TIAA Gateway APIThe TIAA Gateway is a cloud-based API layer enabling product portability and interoperability across retire...Iniciador Open Finance APIIniciador's regulated Open Finance Brasil API surface for payment initiation and financial data sharing (ac...
Emerging 6 Early or largely undocumented
Setu Account AggregatorSetu's Account Aggregator stack lets regulated entities consume consent-based financial data from a custome...Nubank Open Finance Brasil APIOpen Finance Brasil endpoints registered by Nubank in the Central Bank directory. Provides consent-driven a...FNB Consumer Data Access (Aggregator-Only)F.N.B. Corporation publishes no first-party developer API. Consumer-permissioned account, balance and trans...Raymond James Bank Consumer Data Access (Aggregator-Only)Raymond James Bank exposes no first-party public API. Consumer-permissioned account and transaction data is...Current Consumer Data Access (Aggregator-Only)Current does not expose a first-party public API or developer portal. The only documented, programmatic pat...Marcus Consumer Data Access (Aggregator-Only)Marcus by Goldman Sachs does not publish a first-party consumer developer API. Consumer-permissioned accoun...
Minimal 2 Almost no public developer surface
Companies reaching this through an API (5)
These companies publish an API, specification or operation carrying “Open 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
55.0
log-scaled weighted occurrences
Breadth
2.1
spread across providers
Quality lift
23.7
mean composite of providers using it
Cohesion
20.4
strength of nearest seed neighbor
Where this tag sits
Related tags
Data Aggregation 47 co-occurrences
Regional Bank 16 co-occurrences
United States 58 co-occurrences
Commercial Banking 13 co-occurrences
Credit Union 15 co-occurrences
Banking 61 co-occurrences
Treasury Management 11 co-occurrences
Super-Regional Bank 7 co-occurrences
Where this tag comes from
Provider tag81
Api tag22
Openapi tag1
Openapi op tag2
Cohort brief
Auto-generatedThe 80 providers in the APIs.io catalog tagged Open Finance, scored on the Kin Score. Every figure below is computed from the catalog — nothing here is written.
Providers
80
of 81 on the roster
Mean Kin Score
19.2
-3.7 vs catalog 22.9
Mean Agent Readiness
7.8
-4.1 vs catalog 11.9
Spread
0–67.1
median 11.8 · σ 16.2
How the 80 split by band
Exemplar 1Strong 2Developing 10Thin 10Emerging 20Minimal 37
Facet averages, against the whole catalog
| Facet | This cohort | Catalog | Difference | Scored |
|---|---|---|---|---|
| Discoverability | 58.7 | 58.1 | +0.6 | 80 |
| Contract Governance | 5.6 | 6.3 | -0.7 | 80 |
| Developer Ergonomics | 21.9 | 23.2 | -1.3 | 80 |
| Access Clarity | 24.2 | 26.5 | -2.3 | 80 |
| Operational Transparency | 9.7 | 13.7 | -4 | 80 |
| Contract Quality | 11.8 | 17.6 | -5.8 | 80 |
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) | 5% | 14% | -9 |
| MCP server (first-party) | 5% | 12% | -7 |
| Agent Skills | 0% | 0% | 0 |
| OAuth scopes | 11% | 11% | 0 |
| Security | 100% | 98% | +2 |
| Arazzo workflows | 1% | 2% | -1 |
| Governance rules | 6% | 14% | -8 |
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 Dwolla 61.6
- 3 Moneyhub 57.1
- 4 Akoya 52
- 5 Spare 51.2
- 6 Lean Technologies 49.7
- 7 Bond 48.2
- 8 Finicity 47.2
- 9 Pinwheel 46.6
- 10 Datanomik 44.9
Top by Agent Readiness
- 1 Lean Technologies 53.2
- 2 Dwolla 52.9
- 3 Moneyhub 42.4
- 4 Financial Data Exchange (FDX) 34.6
- 5 Rollee 32.2
- 6 BMO 31.4
- 7 Celcoin 29.8
- 8 Spare 28.2
- 9 Cumbuca 27.3
- 10 Konsentus 26.7
This roster declares 81 members; 80
resolve to a provider in the catalog and 80 carry a score
(100%). The figures above describe the scored members only.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.