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Cash App website screenshot

Cash App

Cash App is a consumer mobile-first financial services platform operated by Block, Inc. (formerly Square, Inc.), a publicly traded company. Cash App is not itself a chartered bank; its banking, card, and lending features are delivered through partner institutions (deposit accounts and the Cash App Card are issued by partner banks, historically Sutton Bank and Lincoln Savings Bank; brokerage and bitcoin services run through Block subsidiaries). Its public developer surface is a merchant/PSP payment-acceptance product, not a consumer-permissioned data-access API - Cash App Pay lets partners and payment service providers charge customers directly from their Cash App balance or linked funding source, and the Afterpay (Cash App Afterpay) buy-now-pay-later product is offered through the same portal. Block runs a real, public first-party developer portal at developers.cash.app (built on Fern) that publishes downloadable OpenAPI 3.1 specifications for the Cash App Pay Partner API (Customer Request, Network, and Management APIs on api.cash.app) and the Afterpay Global API (on global-api.afterpay.com). Consumer-side account data is reached by third parties through aggregators (e.g. Plaid) rather than a first-party FDX data-access API; no FDX participation or CFPB Section 1033 data-rights posture is documented in the developer portal.

agent native

Solid contracts, transparent operations, and an easy start — typically complete on four or five facets with one clear soft spot.

Kin Score

API Evangelist profiles Cash App the way a machine reads it — 19 machine-readable artifacts across 12 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 — Cash App scores 60.4/100 (strong), with a separate agent-readiness read of 87/100 (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.

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 60.4/100 · strong
Contract Quality 15.1 / 25
Developer Ergonomics 15.2 / 20
Commercial Clarity 6.8 / 20
Operational Transparency 8.2 / 13
Governance 0.0 / 12
Discoverability 10.0 / 10
Regulatory · Banking & Open Finance 13.4 / 15
Agent readiness — 87/100 · agent native
Machine-Readable Contract 18 / 18
Agentic Access Contract 15 / 15
MCP Server 12 / 12
Machine-Readable Auth 10 / 10
Idempotency 9 / 9
Stable Error Semantics 8 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 6 / 6
Agent Skills 5 / 5
Well-Known Catalog 4 / 4
Consent & Bot Identity 3 / 3

How we profile Cash App

Each block below is one kind of artifact we hold for Cash App. 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 12

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.

Cash App Pay Network API

Server-side REST API that registers merchants and processes payments using grants - the core Cash App Pay payment-processing surface for PSP partners.

Cash App Pay Customer Request API

REST API used to get permission from customers to perform actions on their accounts (such as collecting a payment), producing the grants consumed by the Network API. Wrapped by ...

Cash App Pay Management API

REST API that controls scoped API keys and webhooks, automating key aspects of a Cash App Pay integration including least-privileged microservice access.

Afterpay Payments API

Afterpay (Cash App Afterpay) Global API for authorizing, capturing, voiding, and refunding buy-now-pay-later payments. HTTP Basic authenticated.

Afterpay Checkouts API

Afterpay Global API for creating and retrieving checkout sessions that begin an Afterpay buy-now-pay-later order flow.

Afterpay Orders API

Afterpay Global API for retrieving order details associated with an Afterpay buy-now-pay-later transaction.

Afterpay Configuration API

Afterpay Global API exposing merchant configuration and limits (such as minimum and maximum order amounts) for the Afterpay/Cash App Pay integration.

Afterpay Disputes API

Afterpay Global API for listing disputes and submitting evidence to contest Afterpay buy-now-pay-later chargebacks.

Afterpay Grants API

Afterpay Global API for retrieving and managing the grants that authorize Afterpay payment operations on a customer's behalf.

Add Cash App Pay to Your Site (Grants) API

Afterpay Global API surface for retrieving Cash App Pay grants when adding Cash App Pay directly to a website through the Afterpay Global API.

Afterpay Service Status API

Afterpay Global API health-check endpoint reporting the operational status of the Afterpay service.

Afterpay Billing Agreements API (Deprecated)

Deprecated Afterpay Global API for creating and managing recurring billing agreements; retained here as harvested for historical completeness and marked deprecated by Cash App.

Scroll within the panel for all 12 ·

MCP Servers 1

Model Context Protocol servers expose these APIs directly to AI agents. We profile them because agent-native access is the fastest-growing way this provider's capabilities actually get used.

Model Context Protocol servers that expose these APIs to AI agents.

cash-app-mcp.yml

MCP SERVER

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.

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.

Cash App Authentication

apiKey/http/hmac-signature · 2 schemes

SECURITY

Cash App Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Cash App Vulnerability Disclosure

Bugcrowd · security.txt · 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.

Cash App Scopes

4 scopes

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.

Cash App Agentic Access

100 operations · 59 acting · 3 human-in-the-loop

100 operations · 59 acting

AGENTIC

Resources

Every other property we hold for Cash App — 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 1

Reference material describing how the API behaves

Commercial 2

Pricing, plans, and the legal terms of use

Company 1

The organization behind the API

Other 4

Properties that don't map to a standard resource type

← All providers · Data indexed from github.com/api-evangelist/cash-app · machine-readable index on apis.io