emerging · 1.7

Open Finance

Score 23.7 / 100 97 providers 24 APIs Search apis.io →

Providers using this tag (97)

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

Exemplar 2 Complete, well-documented, and agent-ready
Efí Pay (Gerencianet)PaymentsPixBoletoSubscription36 APIs70.6PlaidFinancialFintechOpen BankingBank Accounts31 APIs68.2
Strong 5 Solid coverage with minor gaps
MXFinancial-ServicesBankingUnited States3 APIs64.3ArgyleEmployment DataIncome VerificationPayrollIdentity Verification26 APIs62.8DwollaPaymentsACHBank TransfersFintech19 APIs62.6MoneyhubPaymentsUnited KingdomOpen Banking2 APIs61.2Lean TechnologiesOpen BankingPaymentsFinancial Data67 APIs54.8
Developing 11 Usable, with meaningful gaps to close
AkoyaFintechOpen BankingAggregator11 APIs53.8SpareOpen BankingAccount InformationPayment Initiation17 APIs53.5Lean TechnologiesOpen BankingMENAUAE19 APIs52.9FinicityFinancial-ServicesData AggregationOpen Banking7 APIs51.6BondCompanyUnited StatesBanking as a ServiceEmbedded Finance9 APIs49.4BMOFinancial-ServicesBankingUnited States11 APIs48.5PinwheelPayrollDirect DepositIncome VerificationEmployment14 APIs48.3RolleeCompanyIncome VerificationEmployment Verification2 APIs46.8DatanomikCompanyOpen BankingTreasury Management10 APIs46.6MastercardCredit CardsDigital IdentityFinancial-ServicesFraud Detection249 APIs46.2Financial Data Exchange (FDX)Financial DataOpen BankingFinancial Data Exchange12 APIs43.6
Thin 14 Limited public surface area
TIAAFinanceFinancial DataFintechInsurance11 APIs38.8CelcoinBanking as a ServiceBackend-as-a-ServicePixBoleto15 APIs37.7KonsentusOpen BankingPSD2PSD33 APIs37.6BelvoOpen BankingBank DataAggregation10 APIs36.1IniciadorCompanyFintechOpen Banking1 API35.9EfíPaymentsPixBoletoBanking7 APIs35.5InsurelyCompanyInsuranceFintech1 API34.1OkraOpen BankingFintechAfrica8 APIs34.1YodleeFinancial DataData AggregationBankingFintech23 APIs32.2Financial Conduct AuthorityInsuranceUnited KingdomRegulatorMarket Infrastructure2 APIs31.8CumbucaCompanyFintechPix31.5Navy Federal Credit UnionFinancial-ServicesBankingUnited StatesCredit Union8 APIs31.4CitigroupBankingFinancial-ServicesUnited StatesMoney Center Bank11 APIs30.0BankUnitedFinancial-ServicesBankingUnited StatesRegional Bank1 API26.4
Emerging 21 Early or largely undocumented
East West BankFinancial-ServicesBankingUnited StatesCommercial Banking1 API25.7OkraOpen BankingFinancial DataPayments12 APIs24.9SetuEmbedded FinanceUPIBBPSAccount Aggregator8 APIs20.6NovoFinancial-ServicesBankingUnited StatesNeobank20.4USAAFinancial-ServicesBankingInsuranceMilitary Finance20.0Axos BankFinancial-ServicesBankingUnited StatesBanking as a Service4 APIs19.5BNY MellonFinancial-ServicesBankingUnited StatesCustody Bank5 APIs19.1HSBC USAFinancial-ServicesBankingUnited StatesCorporate Banking2 APIs17.9Ally FinancialBankingAuto FinanceInvestingLending2 APIs16.9UMB BankFinancial-ServicesBankingUnited States1 API15.9TruistFinancial-ServicesBankingUnited States2 APIs15.2EverBankFinancial-ServicesBankingUnited StatesNational Bank14.7DaveCompanyFintechBankingNeobank13.7Nu (Nubank)NeobankBankingCredit Cards5 APIs13.7City National BankFinancial-ServicesBankingUnited StatesSuper-Regional Bank13.2America First Credit UnionFinancial-ServicesBankingUnited StatesCredit Union12.5Bank of HawaiiFinancial-ServicesBankingUnited StatesRegional Bank11.8First Hawaiian BankFinancial-ServicesBankingUnited StatesHawaii1 API11.7M&T BankFinancial-ServicesBankingUnited StatesSuper-Regional Bank10 APIs11.2PNCBankingFinancial-ServicesUnited StatesTreasury Management6 APIs11.2F.N.B. CorporationFinancial-ServicesBankingUnited StatesRegional Bank1 API11.1
Minimal 44 Almost no public developer surface
Raymond James BankFinancial-ServicesBankingUnited StatesWealth Management1 API10.9Commerce BankFinancial-ServicesBankingUnited StatesRegional Bank1 API10.7Webster BankFinancial-ServicesBankingUnited StatesCommercial Banking10.6Atlantic Union BankFinancial-ServicesBankingUnited StatesRegional Bank10.3MidFirst BankFinancial-ServicesBankingUnited StatesSavings Association10.3CIBCFinancial-ServicesBankingCanadaBig Six10.2Frost BankFinancial-ServicesBankingUnited StatesTexas10.0Bank OZKFinancial-ServicesBankingUnited StatesRegional Bank9.9BECUFinancial-ServicesBankingUnited StatesCredit Union9.9Popular (Banco Popular)Financial-ServicesBankingUnited StatesPuerto Rico9.9CurrentCompanyFintechNeobankConsumer Banking1 API9.6Associated BankFinancial-ServicesBankingUnited StatesRegional Bank1 API9.5Cadence BankFinancial-ServicesBankingUnited StatesRegional Bank9.5Live Oak BankFinancial-ServicesBankingUnited StatesSmall Business Lending9.5Security Service Federal Credit UnionFinancial-ServicesBankingUnited StatesCredit Union9.5FinverseAPI AggregationAsia PacificFinancial DataOpen Banking2 APIs9.3Marcus by Goldman SachsFinancial-ServicesBankingUnited StatesConsumer Banking1 API9.1Old National BankFinancial-ServicesBankingUnited StatesRegional Bank9.0Valley National BankFinancial-ServicesBankingUnited StatesRegional Bank9.0Prosperity BankFinancial-ServicesBankingUnited StatesRegional Bank8.9SouthState BankFinancial-ServicesBankingUnited StatesRegional Bank8.9Barclays USFinancial-ServicesBankingUnited StatesCredit Cards8.6Columbia BankFinancial-ServicesBankingUnited StatesRegional Bank1 API8.4SchoolsFirst FCUFinancial-ServicesBankingUnited StatesCredit Union8.4CIBC Bank USAFinancial-ServicesBankingUnited StatesCommercial Banking8.2Santander USFinancial-ServicesBankingUnited StatesSuper-Regional Bank8.2Randolph-Brooks FCUFinancial-ServicesBankingUnited StatesCredit Union7.1UpswingCompanyFintechEmbedded Finance6.8First Tech Federal Credit UnionFinancial-ServicesBankingUnited StatesCredit Union6.7Texas Capital BankFinancial-ServicesBankingUnited StatesCommercial Banking2 APIs6.7BOK FinancialUnited StatesBankingRegional BankFinancial-Services6.5State Employees' Credit UnionFinancial-ServicesBankingCredit UnionUnited States6.2Pinnacle FinancialFinancial-ServicesBankingUnited StatesRegional Bank6.0Alliant Credit UnionFinancial-ServicesBankingUnited StatesCredit Union5.8FlagstarFinancial-ServicesBankingUnited StatesNational Bank5.7PenFed Credit UnionFinancial-ServicesBankingCredit UnionUnited States5.2TransbnkCompanyFintechTransaction BankingCorporate Banking5.0Zions BancorporationFinancial-ServicesBankingUnited StatesSuper-Regional Bank3.4Canadian Western BankFinancial-ServicesBankingCanadaSchedule I Bank2.2DCU (Digital Federal Credit Union)Financial-ServicesBankingUnited StatesCredit Union2.2VyStar Credit UnionFinancial-ServicesBankingCredit UnionUnited States2.2Golden 1 Credit UnionFinancial-ServicesBankingCredit UnionUnited States1.5Mountain America Credit UnionFinancial-ServicesBankingUnited StatesCredit Union1.5Suncoast Credit UnionFinancial-ServicesBankingUnited StatesCredit Union1.5

APIs with this tag (24)

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
Plaid Core Exchange FDX APIPlaid's Core Exchange FDX is part of the Plaid open-finance platform, exposing 1 documented endpoint(s) und...68.2
Strong 2 Solid coverage with minor gaps
MX Data AccessData Access is MX's open-finance API platform for sharing an institution's financial data and accessing oth...64.3Argyle Banking APIOpen-finance surface that pulls direct-from-bank account, balance, transaction, and institution metadata fo...62.8
Developing 7 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...53.8Akoya Balances APIReturns real-time and available balance information for a consumer's permissioned accounts across the Akoya...53.8Akoya Consent APIPlatform/service API for managing consumer consent grants across the Akoya network, letting data recipients...53.8Akoya Statements APILists and retrieves account statements for a consumer's consented accounts, returning the set of available ...53.8Akoya Transactions APIRetrieves transaction history for a consumer's permissioned accounts, returning FDX-aligned transaction rec...53.8Mastercard Open Finance AustraliaMastercard Open Finance Australia provides APIs for accessing consumer-permissioned financial data in the A...46.2Mastercard Open Finance USMastercard Open Finance US (formerly Open Banking US / Finicity) provides APIs for financial data aggregati...46.2
Thin 6 Limited public surface area
TIAA Gateway APIThe TIAA Gateway is a cloud-based API layer enabling product portability and interoperability across retire...38.8Celcoin Open Finance APIOpen Finance and Open Banking APIs for Payment Initiation (ITP with and without redirect), account linking ...37.7Konsentus Open Trust PlatformEnd-to-end platform used by central banks and market operators to build, manage, and maintain national or r...37.6Iniciador Open Finance APIIniciador's regulated Open Finance Brasil API surface for payment initiation and financial data sharing (ac...35.9Efí Open Finance APIPix payment initiation via Open Finance. Host openfinance.api.efipay.com.br, mTLS required.35.5Insurely Open Finance APICreate end users, capture consent, run data collections (including PSD2 banking data), and retrieve structu...34.1
Emerging 4 Early or largely undocumented
Setu Account AggregatorSetu's Account Aggregator stack lets regulated entities consume consent-based financial data from a custome...20.6Nubank Open Finance Brasil APIOpen Finance Brasil endpoints registered by Nubank in the Central Bank directory. Provides consent-driven a...13.7PNC Consumer Data Access API (Akoya)Consumer open-finance data-access surface through which PNC lets its retail customers securely permission a...11.2FNB Consumer Data Access (Aggregator-Only)F.N.B. Corporation publishes no first-party developer API. Consumer-permissioned account, balance and trans...11.1
Minimal 4 Almost no public developer surface
Raymond James Bank Consumer Data Access (Aggregator-Only)Raymond James Bank exposes no first-party public API. Consumer-permissioned account and transaction data is...10.9Current Consumer Data Access (Aggregator-Only)Current does not expose a first-party public API or developer portal. The only documented, programmatic pat...9.6Marcus Consumer Data Access (Aggregator-Only)Marcus by Goldman Sachs does not publish a first-party consumer developer API. Consumer-permissioned accoun...9.1Consumer Data Access (Aggregator)Consumer-permissioned account and transaction data is made available to third parties through the Finicity ...6.7

Score breakdown

Frequency
56.7
log-scaled weighted occurrences
Breadth
2.7
spread across providers
Quality lift
26.3
mean composite of providers using it
Cohesion
23.9
strength of nearest seed neighbor

Related tags

Data Aggregation 56 co-occurrences United States 67 co-occurrences Regional Bank 20 co-occurrences Credit Union 15 co-occurrences Commercial Banking 16 co-occurrences Banking 69 co-occurrences Treasury Management 12 co-occurrences Open Banking 25 co-occurrences

Where this tag comes from

Provider tag91
Api tag24
Openapi tag1
Openapi op tag2

Cohort brief

Auto-generated

The 97 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
97
all scored
Mean Kin Score
21.9
+1.2 vs catalog 20.7
Mean Agent Readiness
9.3
-0.4 vs catalog 9.7
Spread
1.5–70.6
median 11.8 · σ 18.5
How the 97 split by band
Exemplar 2Strong 5Developing 11Thin 14Emerging 21Minimal 44
Facet averages, against the whole catalog
FacetThis cohortCatalogDifferenceScored
Access Clarity 27.1 22.3 +4.8 97
Developer Ergonomics 22.2 17.9 +4.3 97
Discoverability 63.7 60.4 +3.3 97
Operational Transparency 12.5 11.3 +1.2 97
Contract Governance 7.1 6.4 +0.7 97
Contract Quality 15.9 17.5 -1.6 97

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) 11% 16% -5
MCP server (first-party) 4% 7% -3
Agent Skills 0% 0% 0
OAuth scopes 10% 9% +1
Security 100% 88% +12
Arazzo workflows 1% 2% -1
Governance rules 10% 13% -3

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 Efí Pay (Gerencianet) 70.6
  2. 2 Plaid 68.2
  3. 3 MX 64.3
  4. 4 Argyle 62.8
  5. 5 Dwolla 62.6
  6. 6 Moneyhub 61.2
  7. 7 Lean Technologies 54.8
  8. 8 Akoya 53.8
  9. 9 Spare 53.5
  10. 10 Lean Technologies 52.9
Top by Agent Readiness
  1. 1 Lean Technologies 53.2
  2. 2 Dwolla 48.6
  3. 3 Plaid 37.2
  4. 4 Moneyhub 37.1
  5. 5 Financial Data Exchange (FDX) 34.6
  6. 6 Argyle 33.7
  7. 7 Mastercard 32.4
  8. 8 Rollee 32.2
  9. 9 BMO 31.4
  10. 10 MX 30.8
All 97 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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