Algbra

Algbra is a UK values-based, sustainability-focused fintech operated by Algbra FS UK Limited (company number 12629086), an electronic money institution authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 (FRN 952360); its parent, Algbra Group Limited, is a certified B Corporation. Rather than a licensed clearing bank or building society, Algbra is a challenger provider of ethical multi-currency accounts, cards, savings and Banking-as-a-Service infrastructure. Through the Algbra Labs developer platform it exposes two API surfaces - a first-party Partner Banking (BaaS) API for onboarding, accounts, cards, payments and transactions, and a UK Open Banking dedicated interface conformant to the Open Banking Implementation Entity (OBIE) Read/Write Standard v3.1.8 covering Account & Transaction Information (AIS), Payment Initiation (PIS) and Confirmation of Funds (CBPII), delivered via the Tell Money (Tell Connect) platform. As a non-CMA9 ASPSP it meets PSD2 access-to-account obligations, securing the interface with FAPI-grade OAuth2/OIDC, mutual-TLS using OBIE OBWAC/OBSEAL eIDAS certificates, PS256 request-object signing, Dynamic Client Registration (DCR v3.2) and PSD2 strong customer authentication.

Kin Score

This is the API Evangelist rating — a single, repeatable read computed from the artifacts on this page. Green fill is points earned; the red track is points possible, so every bar shows earned-versus-possible at a glance.

How we profile Algbra

Each block below is one kind of artifact we hold for Algbra. For each we say what it is and why it earns a place in the profile, then list every one we've indexed — capped at two rows, scroll within the panel for the rest.

APIs 4

Each API is captured as its own OpenAPI definition — every operation, parameter, and response. This is the single most useful machine-readable description of what an API does, and it's what lets us score, lint, mock, and generate against it without asking the provider for anything.

Individual APIs this provider publishes, each with its own machine-readable definition.

Algbra Account and Transaction Information API (AIS)

Algbra's UK Open Banking Account & Transaction Information (AIS) dedicated interface, conformant to the OBIE Read/Write Standard v3.1, enabling authorised AISP Third Party Provi...

Algbra Payment Initiation API (PIS)

Algbra's UK Open Banking Payment Initiation (PIS) dedicated interface under the OBIE Read/Write Standard v3.1.8, allowing authorised PISP Third Party Providers to initiate payme...

Algbra Confirmation of Funds API (CBPII)

Algbra's UK Open Banking Confirmation of Funds (CBPII) dedicated interface under the OBIE Read/Write Standard v3.1.8, allowing authorised CBPII Third Party Providers to confirm ...

Algbra Partner Banking API

Algbra Labs' first-party Partner Banking (Banking-as-a-Service) API for B2B partners, covering customer onboarding and compliance checks, primary and virtual accounts, card issu...

Arazzo Workflows 2

Real integrations are rarely a single call. Arazzo describes the multi-step sequences — auth, then create, then confirm — so both a human and an agent can follow the choreography, not just the endpoints.

Multi-step API workflows described with the Arazzo specification.

_Index

ARAZZO

Algbra OBIE account-access and read

Create an OBIE account-access consent, confirm it is authorised, then read the customer's accounts, balances and transactions through Algbra's UK Open Banking (AIS) dedicated in...

ARAZZO

Event Specifications 1

Not every API is request/response. AsyncAPI describes the event-driven and streaming side — the webhooks and channels — so the asynchronous half of the interface is documented the same way the synchronous half is.

AsyncAPI definitions for this provider's event-driven and streaming APIs.

Algbra Partner Banking Webhooks

ASYNCAPI

Security Posture 3

Authentication, domain security, vulnerability disclosure, and trust-center signals — the evidence that a provider takes security seriously enough to document it. We profile it because you can't govern what you can't see.

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Algbra Authentication

oauth2 · 2 schemes

SECURITY

Algbra Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Algbra Vulnerability Disclosure

Hackerone · contact published

SECURITY

Scopes 1

OAuth scopes are the vocabulary of least-privilege access. Profiling them shows exactly what an integration — or an agent acting on a user's behalf — is allowed to do.

OAuth scopes governing access to this provider's APIs.

Algbra Scopes

4 scopes · authorizationCode/clientCredentials

4 scopes

SCOPES

Agentic Access 1

An x-agentic-access contract marks which operations are safe for an agent to run on its own and which need a human in the loop. It is the difference between an API an agent can use and one it can use safely.

Recommended x-agentic-access execution contracts for AI agents.

Algbra Agentic Access

8 operations · 2 acting

8 operations · 2 acting

AGENTIC

Resources

Every other property we hold for Algbra — documentation, portals, status pages, policies, and corporate surface — grouped by the job it does, following the integrator's arc from getting started to running in production.

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