Axos Bank
Axos Bank is a branchless, digital-first federal savings bank chartered and regulated by the U.S. Office of the Comptroller of the Currency (OCC) and a member of the FDIC. Founded in 2000 as Bank of Internet USA and rebranded Axos in 2018, it is the primary banking subsidiary of Axos Financial, Inc. (NYSE AX), a Delaware financial holding company headquartered in San Diego, California with roughly $29 billion in consolidated assets. Axos offers consumer and commercial deposit, lending, and treasury-management products online, and runs a first-party developer / Banking-as-a-Service program. That program is real but partner-gated - the public API Store documents four API product families (Account Enrollment, Account Maintenance, Payment Solutions, and Account Reporting) secured with OAuth 2.0, but access requires contacting the Axos API team; there is no self-serve signup, no publicly downloadable OpenAPI/Swagger specification, and no documented first-party FDX participation or published CFPB Section 1033 data-access posture.
More than an index entry, but the surface is still mostly links rather than artifacts — the cohort most likely to move a full band from modest, well-targeted work.
API Evangelist profiles Axos Bank the way a machine reads it — 6 machine-readable artifacts across 4 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 — Axos Bank scores 23.1/100 (emerging), with a separate agent-readiness read of 10/100 (human only). 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.
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
How we profile Axos Bank
Each block below is one kind of artifact we hold for Axos Bank. 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.
Axos Account Enrollment API
Submit new account applications and open new Axos deposit and commercial accounts programmatically. Partner-gated access secured with OAuth 2.0; no public OpenAPI specification ...
Axos Account Maintenance API
Keep client funds current - check balances, manage stop payments, update account information, close accounts, and move funds between deposit and commercial accounts. Partner-gat...
Axos Payment Solutions API
Enable fund transfers between Axos accounts and track payment status, including domestic wire origination. Partner-gated access secured with OAuth 2.0; no public OpenAPI specifi...
Axos Account Reporting API
Access transaction reports, query company data, and identify client accounts for data-driven reporting. Partner-gated access secured with OAuth 2.0; no public OpenAPI specificat...
Security Posture 2
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.
Resources
Every other property we hold for Axos Bank — 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 1
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
Access & Security 3
Authentication, authorization, and security posture
Operate 1
Status, limits, changes, and where to get help
Commercial 2
Pricing, plans, and the legal terms of use
Company 2
The organization behind the API
← All providers · Data indexed from github.com/api-evangelist/axos-bank · machine-readable index on apis.io