niche · -0.8 market geographyindustry

Open Finance

Score 20.2 / 100 87 providers +5 via APIs 22 APIs Search apis.io →
Business capabilities this tag reaches
Payments & Card Management 1

Providers using this tag (87)

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

Exemplar 3 Complete, well-documented, and agent-ready
PluggyCompanyBankingFinancial Data5 APIs75.3MoneyhubPaymentsUnited KingdomOpen Banking1 API72.5DwollaPaymentsACHBank TransfersFintech19 APIs75.0
Strong 4 Solid coverage with minor gaps
RolleeCompanyIncome VerificationEmployment Verification2 APIs60.6AkoyaFintechOpen BankingAggregator11 APIs55.4Efí Pay (Gerencianet)PaymentsPixBoletoSubscription6 APIs60.7BondCompanyUnited StatesBanking as a ServiceEmbedded Finance18 APIs56.6
Developing 7 Usable, with meaningful gaps to close
SpareOpen BankingAccount InformationPayment Initiation7 APIs54.1Lean TechnologiesOpen BankingPaymentsFinancial Data33 APIs51.1DatanomikCompanyOpen BankingTreasury Management2 APIs49.5Itaú UnibancoCompanyBankingFinancial ServicesPayments16 APIs49.8FinicityFinancial ServicesData AggregationOpen Banking1 API47.3BMOFinancial ServicesBankingUnited States11 APIs42.1BelvoOpen BankingBank DataAggregation1 API40.0
Thin 11 Limited public surface area
KonsentusOpen BankingPSD2PSD31 API38.5PowensCompanyFintechPayments1 API36.0IniciadorCompanyFintechOpen Banking1 API35.6InsurelyCompanyInsuranceFintech1 API35.4CumbucaCompanyFintechPix27.4PinwheelPayrollDirect DepositIncome VerificationEmployment1 API37.0CelcoinBanking as a ServicePixBoletoTED3 APIs31.1Financial Conduct AuthorityInsuranceUnited KingdomRegulatorMarket Infrastructure2 APIs30.9YodleeFinancial DataData AggregationBankingFintech1 API30.4Financial Data Exchange (FDX)Financial DataOpen BankingFinancial Data Exchange3 APIs29.7Navy Federal Credit UnionFinancial ServicesBankingUnited StatesCredit Union8 APIs29.6
Emerging 25 Early or largely undocumented
BankUnitedFinancial ServicesBankingUnited StatesRegional Bank1 API25.8CitigroupBankingFinancial ServicesUnited StatesMoney Center Bank11 APIs22.8BNY MellonFinancial ServicesBankingUnited StatesCustody Bank5 APIs21.9Axos BankFinancial ServicesBankingUnited StatesBanking as a Service4 APIs20.1Commerce BankFinancial ServicesBankingUnited StatesRegional Bank1 API17.6HSBC USAFinancial ServicesBankingUnited StatesCorporate Banking2 APIs17.0USAAFinancial ServicesBankingInsuranceMilitary Finance16.9UMB BankFinancial ServicesBankingUnited States1 API16.8F.N.B. CorporationFinancial ServicesBankingUnited StatesRegional Bank1 API15.7EverBankFinancial ServicesBankingUnited StatesNational Bank15.2Raymond James BankFinancial ServicesBankingUnited StatesWealth Management1 API14.2M&T BankFinancial ServicesBankingUnited StatesSuper-Regional Bank10 APIs13.8City National BankFinancial ServicesBankingUnited StatesSuper-Regional Bank13.5Associated BankFinancial ServicesBankingUnited StatesRegional Bank1 API13.3Bank of HawaiiFinancial ServicesBankingUnited StatesRegional Bank13.3DaveCompanyFintechBankingNeobank12.8Marcus by Goldman SachsFinancial ServicesBankingUnited StatesConsumer Banking1 API12.4Webster BankFinancial ServicesBankingUnited StatesCommercial Banking12.4First Hawaiian BankFinancial ServicesBankingUnited StatesHawaii1 API12.3America First Credit UnionFinancial ServicesBankingUnited StatesCredit Union12.2BECUFinancial ServicesBankingUnited StatesCredit Union12.2CurrentCompanyFintechNeobankConsumer Banking1 API12.0Atlantic Union BankFinancial ServicesBankingUnited StatesRegional Bank11.9Bank OZKFinancial ServicesBankingUnited StatesRegional Bank11.8MidFirst BankFinancial ServicesBankingUnited StatesSavings Association11.0
Minimal 37 Almost no public developer surface
PortfolioCompanyBankingCloud Services1 API9.7FinverseAPI AggregationAsia PacificFinancial DataOpen Banking2 APIs7.9UpswingCompanyFintechEmbedded Finance7.6FinantierCompanyFinanceSoutheast Asia2.4ContazzFinanceArtificial IntelligenceAutomation1.8Security Service Federal Credit UnionFinancial ServicesBankingUnited StatesCredit Union10.9Old National BankFinancial ServicesBankingUnited StatesRegional Bank10.7PNCBankingFinancial ServicesUnited StatesTreasury Management6 APIs10.7Valley National BankFinancial ServicesBankingUnited StatesRegional Bank10.7CIBCFinancial ServicesBankingCanadaBig Six10.2Nu (Nubank)NeobankBankingCredit Cards5 APIs10.2Santander USFinancial ServicesBankingUnited StatesSuper-Regional Bank10.1Barclays USFinancial ServicesBankingUnited StatesCredit Cards9.7Live Oak BankFinancial ServicesBankingUnited StatesSmall Business Lending9.7Ally FinancialBankingAuto FinanceInvestingLending2 APIs9.6Prosperity BankFinancial ServicesBankingUnited StatesRegional Bank9.5Cadence BankFinancial ServicesBankingUnited StatesRegional Bank9.2Texas Capital BankFinancial ServicesBankingUnited StatesCommercial Banking2 APIs9.0Columbia BankFinancial ServicesBankingUnited StatesRegional Bank1 API8.6Randolph-Brooks FCUFinancial ServicesBankingUnited StatesCredit Union8.3First Tech Federal Credit UnionFinancial ServicesBankingUnited StatesCredit Union8.1State Employees' Credit UnionFinancial ServicesBankingCredit UnionUnited States8.0SchoolsFirst FCUFinancial ServicesBankingUnited StatesCredit Union7.5Alliant Credit UnionFinancial ServicesBankingUnited StatesCredit Union6.2TransbnkCompanyFintechTransaction BankingCorporate Banking6.2BOK FinancialUnited StatesBankingRegional BankFinancial Services6.1FlagstarFinancial ServicesBankingUnited StatesNational Bank6.0PenFed Credit UnionFinancial ServicesBankingCredit UnionUnited States5.9Pinnacle FinancialFinancial ServicesBankingUnited StatesRegional Bank5.6DCU (Digital Federal Credit Union)Financial ServicesBankingUnited StatesCredit Union5.5Suncoast Credit UnionFinancial ServicesBankingUnited StatesCredit Union4.8Zions BancorporationFinancial ServicesBankingUnited StatesSuper-Regional Bank3.7Canadian Western BankFinancial ServicesBankingCanadaSchedule I Bank2.5VyStar Credit UnionFinancial ServicesBankingCredit UnionUnited States2.5Golden 1 Credit UnionFinancial ServicesBankingCredit UnionUnited States1.8Mountain America Credit UnionFinancial ServicesBankingUnited StatesCredit Union1.8OkraOpen BankingFintechAfrica6 APIs0.0

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 7 Solid coverage with minor gaps
Mastercard Open Finance AustraliaMastercard Open Finance Australia provides APIs for accessing consumer-permissioned financial data in the A...57.3Mastercard Open Finance USMastercard Open Finance US (formerly Open Banking US / Finicity) provides APIs for financial data aggregati...57.3Akoya Accounts APIFDX-aligned REST endpoints returning the list of a consumer's permissioned accounts and detailed account in...55.4Akoya Balances APIReturns real-time and available balance information for a consumer's permissioned accounts across the Akoya...55.4Akoya Consent APIPlatform/service API for managing consumer consent grants across the Akoya network, letting data recipients...55.4Akoya Statements APILists and retrieves account statements for a consumer's consented accounts, returning the set of available ...55.4Akoya Transactions APIRetrieves transaction history for a consumer's permissioned accounts, returning FDX-aligned transaction rec...55.4
Developing 1 Usable, with meaningful gaps to close
Argyle Banking APIOpen-finance surface that pulls direct-from-bank account, balance, transaction, and institution metadata fo...42.3
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...38.5Iniciador Open Finance APIIniciador's regulated Open Finance Brasil API surface for payment initiation and financial data sharing (ac...35.6Insurely Open Finance APICreate end users, capture consent, run data collections (including PSD2 banking data), and retrieve structu...35.4Efí Open Finance APIPix payment initiation via Open Finance. Host openfinance.api.efipay.com.br, mTLS required.31.9Celcoin Open Finance APIOpen Finance and Open Banking APIs for Payment Initiation (ITP with and without redirect), account linking ...31.1TIAA Gateway APIThe TIAA Gateway is a cloud-based API layer enabling product portability and interoperability across retire...30.3
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...15.7Raymond James Bank Consumer Data Access (Aggregator-Only)Raymond James Bank exposes no first-party public API. Consumer-permissioned account and transaction data is...14.2Marcus Consumer Data Access (Aggregator-Only)Marcus by Goldman Sachs does not publish a first-party consumer developer API. Consumer-permissioned accoun...12.4Current Consumer Data Access (Aggregator-Only)Current does not expose a first-party public API or developer portal. The only documented, programmatic pat...12.0Setu Account AggregatorSetu's Account Aggregator stack lets regulated entities consume consent-based financial data from a custome...11.1
Minimal 3 Almost no public developer surface
PNC Consumer Data Access API (Akoya)Consumer open-finance data-access surface through which PNC lets its retail customers securely permission a...10.7Nubank Open Finance Brasil APIOpen Finance Brasil endpoints registered by Nubank in the Central Bank directory. Provides consent-driven a...10.2Consumer Data Access (Aggregator)Consumer-permissioned account and transaction data is made available to third parties through the Finicity ...9.0

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.

Argyle Efí Mastercard Setu TIAA

Score breakdown

Frequency
51.7
log-scaled weighted occurrences
Breadth
1.1
spread across providers
Quality lift
20.6
mean composite of providers using it
Cohesion
19.5
strength of nearest seed neighbor

Where this tag sits

Financial Services broader

Related tags

Regional Bank 16 co-occurrences United States 58 co-occurrences Commercial Banking 13 co-occurrences Credit Union 15 co-occurrences Banking 65 co-occurrences Treasury Management 11 co-occurrences Consumer Banking 13 co-occurrences Super-Regional Bank 7 co-occurrences

Where this tag comes from

Provider tag87
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.

MarketShare 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-generated

The 82 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
82
of 87 on the roster
Mean Kin Score
19.6
-4.5 vs catalog 24.1
Mean Agent Readiness
8.4
-5.7 vs catalog 14.1
Spread
0–75
median 12.2 · σ 17.5
How the 82 split by band
Exemplar 2Strong 4Developing 6Thin 10Emerging 24Minimal 36
Facet averages, against the whole catalog
FacetThis cohortCatalogDifferenceScored
Discoverability 58.9 59.1 -0.2 82
Developer Ergonomics 22.3 24.5 -2.2 82
Contract Governance 7 9.7 -2.7 82
Operational Transparency 10.1 13.2 -3.1 82
Access Clarity 25.3 30 -4.7 82
Contract Quality 13.1 18.6 -5.5 82

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) 6% 18% -12
MCP server (first-party) 6% 16% -10
Agent Skills 0% 0% 0
OAuth scopes 12% 13% -1
Security 100% 99% +1
Arazzo workflows 1% 1% 0
Governance rules 23% 36% -13

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 Pluggy 75.3
  2. 2 Dwolla 75
  3. 3 Moneyhub 72.5
  4. 4 Efí Pay (Gerencianet) 60.7
  5. 5 Rollee 60.6
  6. 6 Bond 56.6
  7. 7 Akoya 55.4
  8. 8 Spare 54.1
  9. 9 Lean Technologies 51.1
  10. 10 Itaú Unibanco 49.8
Top by Agent Readiness
  1. 1 Pluggy 59.4
  2. 2 Dwolla 53.9
  3. 3 Lean Technologies 53
  4. 4 Moneyhub 48.8
  5. 5 Bond 36.1
  6. 6 Rollee 34.9
  7. 7 Efí Pay (Gerencianet) 34.6
  8. 8 Financial Data Exchange (FDX) 34
  9. 9 Belvo 31.5
  10. 10 BMO 30.7
This roster declares 87 members; 86 resolve to a provider in the catalog and 82 carry a score (95%). The figures above describe the scored members only.
Coverage caveat. 76 of 82 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 14 November 2026, across 41591 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

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MCP server

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Tools for tags

7 MCP tools reach this
  • find_tagsBrowse and filter every tag in the catalog.
  • get_cohortThis tag as a scored cohort — every provider carrying it, with scores.
  • cohort_statsPRO — the distribution across this tag: mean, median, band split, adoption rates.
  • cohort_rankingsPRO — the leaderboard, on composite AND agent-readiness axes.
  • apis_io_searchSTART HERE — APIs, providers and tags for one query, each with its total.
  • resolveTurn a domain, URL or GitHub org into the provider it belongs to.
  • find_cohortsEvery scored population of providers in the catalog.
All 92 tools →

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