Currencycloud
Currencycloud is a cross-border payments and foreign-exchange platform, part of Visa, that provides a robust, predictable REST API for converting money between currencies, holding multi-currency balances, and making payments around the world. Its API v2 spans 18 domains — authentication, accounts and sub-accounts, balances, beneficiaries, contacts, conversions, funding, payers, payments, quotes, rates, reference data, reporting, transactions, transfers and withdrawal accounts — and lets businesses dynamically register sub-accounts to offer white-labelled money-transfer services to their own customers. Currencycloud is an FCA-authorised Electronic Money Institution (registration #900199) and a FinCEN-registered money transmitter, and publishes official SDKs for JavaScript, Python, Ruby, PHP, Java and .NET.
Solid contracts, transparent operations, and an easy start — typically complete on four or five facets with one clear soft spot.
API Evangelist profiles Currencycloud the way a machine reads it — 34 machine-readable artifacts across 27 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 — Currencycloud scores 63.6/100 (strong), with a separate agent-readiness read of 90/100 (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
How this is scored →scored 2026-07-27 · rubric v0.5
How we profile Currencycloud
Each block below is one kind of artifact we hold for Currencycloud. 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 27
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.
Currencycloud Account Usage API
The Account Usage API from Currencycloud — 1 operation(s) for account usage.
Currencycloud Accounts API
Create, search and update your Currencycloud account and any associated sub-accounts. Also provides you with the ability to use your own reference IDs for easy reconciliation wi...
Currencycloud Authenticate API
Authenticate to gain access to the API. Log in to your Currencycloud account using your API Key and log out to terminate your session.
Currencycloud Balances API
Provides access to view balance information. View the balances that you currently hold in different currencies on your Currencycloud account.
Currencycloud Beneficiaries API
Create, search and manage the list of individuals or companies that you send payments to.
Currencycloud Business Information API
The Business Information API from Currencycloud — 1 operation(s) for business information.
Currencycloud Contacts API
Create, search and manage the list of users that have access in your Currencycloud account or associated sub-accounts.
Currencycloud Conversions API
Find, retrieve and create a live currency conversion. You can also create and manage the live conversion of funds between two currencies.
Currencycloud Country API
The Country API from Currencycloud — 2 operation(s) for country.
Currencycloud Currency API
The Currency API from Currencycloud — 1 operation(s) for currency.
Currencycloud Demo API
Requests that are only available in the Demo environment.
Currencycloud Document Images API
The Document Images API from Currencycloud — 2 operation(s) for document images.
Currencycloud Documents API
The Documents API from Currencycloud — 2 operation(s) for documents.
Currencycloud Form API
The Form API from Currencycloud — 3 operation(s) for form.
Currencycloud Funding API
Find funding accounts that can be used to settle and collect funds in each available currency.
Currencycloud Payers API
View information relating to the 'payer' for a payment that has been initiated through the platform.
Currencycloud Payments API
Create, search, manage and action all of your domestic and international payments through this API.
Currencycloud People API
The People API from Currencycloud — 2 operation(s) for people.
Currencycloud Quotes API
Create new quotes to use for held rates conversions.
Currencycloud Rates API
Super fast real-time access to live foreign exchange rates through the Currencycloud platform.
Currencycloud Reference API
Easy access to view important data relevant to your Currencycloud account including beneficiary details, conversion dates, available currencies, payer required details, payment ...
Currencycloud Reporting API
Ability to create and retrieve reports.
Currencycloud Sender API
Sender of funds.
Currencycloud Transaction Approval API
The Transaction Approval API from Currencycloud — 1 operation(s) for transaction approval.
Currencycloud Transactions API
View balances and all pending and completed transactions in your Currencycloud account, as well as associated sub-account balances and transactions.
Currencycloud Transfers API
Search, retrieve and create a transfer of funds between your Currencycloud account and associated sub-accounts.
Currencycloud Withdrawal Accounts API
Manage withdrawal accounts
Scroll within the panel for all 27 ·
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.
currencycloud-mcp.yml
MCP SERVERRate 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.
Currencycloud Rate Limits
RATE LIMITSEvent 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.
Currencycloud Webhooks
ASYNCAPISecurity 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.
Currencycloud Trust Center
ISO/IEC 27001:2022, ISO/IEC 27018, PCI DSS Level 1, SOC 1, SOC 2, SOC 3, FIPS, GDPR, UK DPA
SECURITYAgentic 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 Currencycloud — 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 2
Reference material describing how the API behaves
Agent Surfaces 5
MCP servers, agent skills, and machine-readable catalogs
Design & Contract 7
Pagination, idempotency, versioning, errors, and events
Scroll within the panel for all 7 ·
Build 4
SDKs, sample code, and the tooling you integrate with
Access & Security 4
Authentication, authorization, and security posture
Operate 5
Status, limits, changes, and where to get help
Commercial 2
Pricing, plans, and the legal terms of use
Company 1
The organization behind the API
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