BNY Mellon
BNY Mellon is a global investments company providing asset servicing, asset management, wealth management, treasury services, and clearance and collateral management for institutions and individuals. The BNY Mellon Marketplace (marketplace.bnymellon.com) and developer portal (developer.bny.com) provide Treasury Services APIs for corporate clients to automate payments, account management, balance reporting, and funds transfers.
Real signal across most facets with visible, nameable gaps — the contract exists but is thin, or the portal is good while governance and commercial terms are absent.
API Evangelist profiles BNY Mellon the way a machine reads it — 74 machine-readable artifacts across 5 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 — BNY Mellon scores 57.6/100 (developing), with a separate agent-readiness read of 48/100 (agent ready). 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 BNY Mellon
Each block below is one kind of artifact we hold for BNY Mellon. 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 5
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.
BNY Mellon Accounts API
The Accounts API from BNY Mellon — 2 operation(s) for accounts.
BNY Mellon Balances API
The Balances API from BNY Mellon — 1 operation(s) for balances.
BNY Mellon Funds Transfers API
The Funds Transfers API from BNY Mellon — 2 operation(s) for funds transfers.
BNY Mellon Payments API
The Payments API from BNY Mellon — 2 operation(s) for payments.
BNY Mellon Transactions API
The Transactions API from BNY Mellon — 1 operation(s) for transactions.
Open Collections 1
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).
BNY Mellon Treasury Services API
OPEN COLLECTIONPricing 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.
Bank Of New York Mellon 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.
Features 8
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.
Account Management
Access institutional account details and metadata.
Balance Reporting
Real-time and intraday account balance queries.
Transaction History
Detailed transaction history with date range filtering.
Payment Initiation
Initiate wire, ACH, SWIFT, and CHIPS payments globally.
Funds Transfers
Internal account-to-account funds transfer management.
OAuth2 Security
Client credentials OAuth2 flow for secure API access.
Sandbox Environment
UAT sandbox for developer testing and integration validation.
Multi-Currency
Support for payments and balances across multiple currencies.
Scroll within the panel for all 8 ·
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.
Bny Mellon Context
JSON-LDSpectral Rules 3
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.
JSON Schema 12
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.
Account
JSON SCHEMAAccountListResponse
JSON SCHEMABalance
JSON SCHEMABalanceResponse
JSON SCHEMAErrorResponse
JSON SCHEMAFundsTransferRequest
JSON SCHEMAFundsTransferResponse
JSON SCHEMAPaymentListResponse
JSON SCHEMAPaymentRequest
JSON SCHEMAPaymentResponse
JSON SCHEMATransaction
JSON SCHEMATransactionListResponse
JSON SCHEMAScroll within the panel for all 12 ·
JSON Structure 12
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.
Account Structure
JSON STRUCTUREAccountlistresponse Structure
JSON STRUCTUREBalance Structure
JSON STRUCTUREBalanceresponse Structure
JSON STRUCTUREErrorresponse Structure
JSON STRUCTUREFundstransferrequest Structure
JSON STRUCTUREFundstransferresponse Structure
JSON STRUCTUREPaymentlistresponse Structure
JSON STRUCTUREPaymentrequest Structure
JSON STRUCTUREPaymentresponse Structure
JSON STRUCTURETransaction Structure
JSON STRUCTURETransactionlistresponse Structure
JSON STRUCTUREScroll within the panel for all 12 ·
Examples 12
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.
Account Example
EXAMPLEAccountlistresponse Example
EXAMPLEBalance Example
EXAMPLEBalanceresponse Example
EXAMPLEErrorresponse Example
EXAMPLEFundstransferrequest Example
EXAMPLEPaymentlistresponse Example
EXAMPLEPaymentrequest Example
EXAMPLEPaymentresponse Example
EXAMPLETransaction Example
EXAMPLEScroll within the panel for all 12 ·
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.
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.
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.
Use Cases 6
What developers actually build with this provider — captured so the catalogue answers 'what is this for', not just 'what does this expose'.
What developers build with this provider.
Treasury Automation
Automate daily cash positioning, balance queries, and payment workflows.
Payment Processing
Initiate global wire, ACH, and SWIFT payments programmatically.
Liquidity Management
Real-time account balance visibility for institutional liquidity decisions.
Reconciliation
Automated transaction downloads for reconciliation and reporting.
ERP Integration
Connect SAP, Oracle, and other ERP/TMS systems to BNY Mellon treasury APIs.
Custody Operations
Integrate treasury APIs into asset servicing and custody workflows.
Integrations 7
Pre-built integrations with other platforms tell you where this provider already fits in a stack.
Pre-built integrations with other platforms and tools.
SAP
Oracle
Kyriba
FIS Quantum
ION Treasury
Workday
Reval
Scroll within the panel for all 7 ·
Resources
Every other property we hold for BNY Mellon — 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.
Documentation 2
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 1
SDKs, sample code, and the tooling you integrate with
Access & Security 3
Authentication, authorization, and security posture
Commercial 1
Pricing, plans, and the legal terms of use
Company 3
The organization behind the API
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