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.
Strong 3 Solid coverage with minor gaps
Thin 10 Limited public surface area
Emerging 22 Early or largely undocumented
Minimal 38 Almost no public developer surface
PortfolioFinverseUpswingAtlantic Union BankNu (Nubank)CIBCPNCBank OZKBECUSecurity Service Federal Credit UnionLive Oak BankCadence BankAlly FinancialOld National BankValley National BankColumbia BankProsperity BankTexas Capital BankBarclays USSantander USSchoolsFirst FCURandolph-Brooks FCUFirst Tech Federal Credit UnionState Employees' Credit UnionBOK FinancialPinnacle 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
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...Iniciador Open Finance APIIniciador's regulated Open Finance Brasil API surface for payment initiation and financial data sharing (ac...Efí Open Finance APIPix payment initiation via Open Finance. Host openfinance.api.efipay.com.br, mTLS required.TIAA Gateway APIThe TIAA Gateway is a cloud-based API layer enabling product portability and interoperability across retire...Celcoin Open Finance APIOpen Finance and Open Banking APIs for Payment Initiation (ITP with and without redirect), account linking ...
Emerging 5 Early or largely undocumented
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...Setu Account AggregatorSetu's Account Aggregator stack lets regulated entities consume consent-based financial data from a custome...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 3 Almost no public developer surface
Nubank Open Finance Brasil APIOpen Finance Brasil endpoints registered by Nubank in the Central Bank directory. Provides consent-driven a...PNC Consumer Data Access API (Akoya)Consumer open-finance data-access surface through which PNC lets its retail customers securely permission a...Consumer Data Access (Aggregator)Consumer-permissioned account and transaction data is made available to third parties through the Finicity ...
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
54.2
log-scaled weighted occurrences
Breadth
1.8
spread across providers
Quality lift
19.9
mean composite of providers using it
Cohesion
19.6
strength of nearest seed neighbor
Where this tag sits
Related tags
Regional Bank 16 co-occurrences
United States 58 co-occurrences
Commercial Banking 13 co-occurrences
Credit Union 15 co-occurrences
Banking 62 co-occurrences
Treasury Management 11 co-occurrences
Data Aggregation 9 co-occurrences
Consumer Banking 13 co-occurrences
Where this tag comes from
Provider tag82
Api tag22
Openapi tag1
Openapi op tag2
Markets provisional
Kin Score markets whose measured providers carry this tag. Share is the fraction of the market's measured providers that carry it — it describes the market, not this tag.
| Market | Share of the market's providers |
|---|---|
| US Banks and Credit Unions (FDIC BankFind + NCUA insured credit unions) | 59% |
| US Open Banking (FDX) | 24% |
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
18.9
-3.3 vs catalog 22.2
Mean Agent Readiness
8.1
-3.9 vs catalog 12
Spread
0–72.9
median 11.5 · σ 16.9
How the 80 split by band
Exemplar 2Strong 3Developing 6Thin 10Emerging 21Minimal 38
Facet averages, against the whole catalog
| Facet | This cohort | Catalog | Difference | Scored |
|---|---|---|---|---|
| Discoverability | 58.7 | 57.9 | +0.8 | 80 |
| Contract Governance | 5.6 | 6.5 | -0.9 | 80 |
| Developer Ergonomics | 21.8 | 23.2 | -1.4 | 80 |
| Access Clarity | 21.9 | 23.9 | -2 | 80 |
| Operational Transparency | 10 | 13 | -3 | 80 |
| Contract Quality | 12.3 | 17.2 | -4.9 | 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) | 6% | 13% | -7 |
| MCP server (first-party) | 6% | 12% | -6 |
| Agent Skills | 0% | 0% | 0 |
| OAuth scopes | 13% | 11% | +2 |
| Security | 100% | 98% | +2 |
| Arazzo workflows | 1% | 2% | -1 |
| Governance rules | 11% | 16% | -5 |
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 Dwolla 72.9
- 2 Moneyhub 67.8
- 3 Efí Pay (Gerencianet) 63.4
- 4 Bond 58.2
- 5 Rollee 55.6
- 6 Spare 51.2
- 7 Akoya 50.4
- 8 Lean Technologies 50.2
- 9 Finicity 47.2
- 10 Datanomik 44.9
Top by Agent Readiness
- 1 Dwolla 53.9
- 2 Lean Technologies 53
- 3 Moneyhub 48.8
- 4 Bond 36.1
- 5 Rollee 34.9
- 6 Efí Pay (Gerencianet) 34.6
- 7 Financial Data Exchange (FDX) 34
- 8 BMO 30.7
- 9 Celcoin 29.4
- 10 Spare 27.6
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.
Coverage caveat. 74 of 80 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 24 October 2026, across 31984 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. 74 of 80 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 24 October 2026, across 31984 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.