Argyle
Argyle is a consumer-permissioned employment and income data platform. The REST API and Link SDK let lenders, mortgage originators, background-check firms, gig marketplaces, and government benefits programs verify a worker's identity, employment, income, paystubs, deposits, shifts, gigs, and ratings directly from the source payroll, gig, and banking systems. Verification workflows ship as a single API surface that can be embedded through hosted Link, web/iOS/Android/React Native/Flutter SDKs, or driven entirely server side. Argyle covers approximately 90% of the U.S. workforce and is used by partners including Checkr, NFM Lending, Regional Finance, and LMCU, with loan-origination integrations into Encompass, nCino, Empower, and Byte.
Reference-quality API operations across every facet — a rich contract, published governance, transparent operations, and machine-readable commercial terms.
API Evangelist profiles Argyle the way a machine reads it — 84 machine-readable artifacts across 26 APIs, pulled from the provider's own public surface and indexed so a developer, an analyst, or an AI agent can evaluate it against every other provider on the network.
Every provider in the network is reduced to the same set of machine-readable artifacts — OpenAPI contracts, event specifications, GraphQL schemas, runnable collections, pricing and rate-limit signals, security posture, OAuth scopes, and the agent surfaces (MCP servers and skills) that let software drive the API on its own. We profile them because the interface is the part of a company you can actually inspect: it is a truer signal of what a provider does than any marketing page. From those artifacts we compute the Kin Score — Argyle scores 70.6/100 (exemplar), with a separate agent-readiness read of 62/100 (agent native). The full breakdown is below, followed by every artifact we hold — each card links through to its machine-readable definition on apis.io.
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 Argyle
Each block below is one kind of artifact we hold for Argyle. 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 26
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.
Argyle Banking API
Open-finance surface that pulls direct-from-bank account, balance, transaction, and institution metadata for verification of assets (VOA) and verification of assets and income (...
Argyle Accounts API
The Accounts API from Argyle — 3 operation(s) for accounts.
Argyle Deposit Destinations API
The Deposit Destinations API from Argyle — 2 operation(s) for deposit destinations.
Argyle Employer Search API
The Employer Search API from Argyle — 1 operation(s) for employer search.
Argyle Employments API
The Employments API from Argyle — 1 operation(s) for employments.
Argyle Gigs API
The Gigs API from Argyle — 2 operation(s) for gigs.
Argyle Identities API
The Identities API from Argyle — 2 operation(s) for identities.
Argyle Invites API
The Invites API from Argyle — 3 operation(s) for invites.
Argyle Item Filters API
The Item Filters API from Argyle — 2 operation(s) for item filters.
Argyle Item Migrations API
The Item Migrations API from Argyle — 1 operation(s) for item migrations.
Argyle Items API
The Items API from Argyle — 2 operation(s) for items.
Argyle Partners API
The Partners API from Argyle — 12 operation(s) for partners.
Argyle Payroll Documents API
The Payroll Documents API from Argyle — 2 operation(s) for payroll documents.
Argyle Paystubs API
The Paystubs API from Argyle — 2 operation(s) for paystubs.
Argyle Ratings API
The Ratings API from Argyle — 2 operation(s) for ratings.
Argyle Receipts API
The Receipts API from Argyle — 1 operation(s) for receipts.
Argyle Reports API
The Reports API from Argyle — 3 operation(s) for reports.
Argyle Sessions API
The Sessions API from Argyle — 1 operation(s) for sessions.
Argyle Shifts API
The Shifts API from Argyle — 2 operation(s) for shifts.
Argyle User Forms API
The User Forms API from Argyle — 2 operation(s) for user forms.
Argyle User Tokens API
The User Tokens API from Argyle — 1 operation(s) for user tokens.
Argyle User Uploads API
The User Uploads API from Argyle — 2 operation(s) for user uploads.
Argyle Users API
The Users API from Argyle — 2 operation(s) for users.
Argyle Vehicles API
The Vehicles API from Argyle — 2 operation(s) for vehicles.
Argyle Verifications API
The Verifications API from Argyle — 4 operation(s) for verifications.
Argyle Webhooks API
The Webhooks API from Argyle — 1 operation(s) for webhooks.
Scroll within the panel for all 26 ·
Open Collections 22
Open, tool-agnostic collections carry the same runnable value as Postman without locking you to one client — the portable, forkable form of the same exercise.
Open, tool-agnostic API collections (OpenAPI-derived and Bruno).
Argyle API - Accounts
OPEN COLLECTIONDeposit Destinations API
OPEN COLLECTIONEmployer Search API
OPEN COLLECTIONEmployments API
OPEN COLLECTIONGigs API
OPEN COLLECTIONIdentities API
OPEN COLLECTIONInvites API
OPEN COLLECTIONItem Filters API
OPEN COLLECTIONItems API
OPEN COLLECTIONPayroll Documents API
OPEN COLLECTIONPaystubs API
OPEN COLLECTIONRatings API
OPEN COLLECTIONReceipts API
OPEN COLLECTIONReports API
OPEN COLLECTIONShifts API
OPEN COLLECTIONUser Forms API
OPEN COLLECTIONUser Tokens API
OPEN COLLECTIONUser Uploads API
OPEN COLLECTIONUsers API
OPEN COLLECTIONVehicles API
OPEN COLLECTIONPartner Verifications API
OPEN COLLECTIONVerifications API
OPEN COLLECTIONScroll within the panel for all 22 ·
GraphQL 1
Where a provider ships GraphQL, the schema is the contract. We profile it alongside the REST surface so the whole interface is legible in one place.
GraphQL schemas published by this provider.
Argyle Financial — GraphQL Schema
Argyle is a consumer-permissioned employment and income data platform. Its REST API surfaces payroll-direct verification of employment (VOE), verification of income (VOI), combi...
GRAPHQLPricing Plans 1
Pricing is part of the interface. Machine-readable plans tell you what a tier costs and includes before you commit — one of the six things the Kin Score reads for commercial clarity.
Published pricing tiers and plan structures.
Rate Limits 1
Rate limits are the difference between a demo that works and a production integration that doesn't fall over. Publishing them is an operational-transparency signal — and a hard requirement for any agent that plans its own throughput.
Documented rate limits and quota policies.
Argyle Financial Rate Limits
RATE LIMITSFinOps 1
Cost, billing, and metering signals let a buyer model the financial operations of an API before it's live. We profile them for the same reason we profile pricing: the money is part of the contract.
Cost, billing, and metering signals for API financial operations.
Argyle Financial Finops
FINOPSFeatures 18
The notable capabilities this provider advertises, captured as structured features so they can be searched and compared instead of read one landing page at a time.
Notable capabilities this provider offers.
Scroll within the panel for all 18 ·
Semantic Vocabularies 1
JSON-LD contexts give the data shared meaning across APIs. We profile them because semantics are what let a machine reconcile 'customer' here with 'customer' somewhere else.
JSON-LD contexts and semantic vocabularies used across these APIs.
Argyle Financial Context
JSON-LDSpectral Rules 2
Governance rulesets we run against this provider's specs — the automated checks behind parts of the score. Profiling them makes the quality bar explicit and re-runnable, not a matter of opinion.
Argyle API Rules
SPECTRALArgyle API Rules
SPECTRALJSON Schema 3
Standalone JSON Schema definitions describe the data models behind the API. We profile them so the shapes are validatable on their own — useful long after a single request is forgotten.
Standalone JSON Schema definitions for this provider's data models.
JSON Structure 1
JSON Structure captures the data shapes in a form built for tooling — a complement to JSON Schema that keeps the model machine-legible.
JSON Structure definitions describing this provider's data shapes.
Argyle Financial Structure
JSON STRUCTUREExamples 3
Real request and response payloads are what turn a spec from abstract into obvious — and they're one of the twelve things an agent needs to call an API correctly on the first try.
Example request and response payloads for these APIs.
Argyle Create User Example
EXAMPLEArgyle List Paystubs Example
EXAMPLESecurity 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.
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.
Resources
Every other property we hold for Argyle — 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.
Get Started 4
Portal, sign-up, and the first successful call
Documentation 1
Reference material describing how the API behaves
Agent Surfaces 1
MCP servers, agent skills, and machine-readable catalogs
Design & Contract 3
Pagination, idempotency, versioning, errors, and events
Build 6
SDKs, sample code, and the tooling you integrate with
Access & Security 5
Authentication, authorization, and security posture
Operate 2
Status, limits, changes, and where to get help
Commercial 3
Pricing, plans, and the legal terms of use
Company 5
The organization behind the API
Other 2
Properties that don't map to a standard resource type
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