Dwolla
Dwolla is a Des Moines-based fintech providing an account-to-account (A2A) payments platform that lets businesses programmatically move money across the U.S. banking system. Its v2 REST API — a JSON-HAL hypermedia API secured with OAuth 2.0 client-credentials — supports ACH (standard and Same-Day), instant/real-time payments over the RTP Network and FedNow Service, bank funding sources with micro-deposit and Open Banking (Plaid/MX) verification, verified Customers (personal and business with beneficial-owner/KYC flows), mass payments, labels and ledgers, virtual account numbers, and webhook event notifications. Dwolla ships official SDKs for Node, Python, Ruby, PHP, C#, and Kotlin, low-code Drop-in Components, and a read-only MCP server for AI agents.
Solid contracts, transparent operations, and an easy start — typically complete on four or five facets with one clear soft spot.
API Evangelist profiles Dwolla the way a machine reads it — 25 machine-readable artifacts across 18 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 — Dwolla scores 62.5/100 (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 Dwolla
Each block below is one kind of artifact we hold for Dwolla. 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 18
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.
Dwolla Accounts API
Retrieve details about your master Dwolla Account and manage account-level resources including creating and listing the account's own funding sources, and listing the account's ...
Dwolla Customers API
Create, retrieve, update, list and search Dwolla Customers — the account holders you onboard to send or receive money. Supports Unverified, Receive-Only, Personal Verified and B...
Dwolla Beneficial Owners API
Create, retrieve, update, remove and certify beneficial owners for Business Verified Customers. Implements the U.S. CDD/beneficial-ownership requirements by collecting and verif...
Dwolla KBA API
Knowledge-Based Authentication (KBA) for Personal Verified Customers whose identity could not be automatically verified. Initiate a KBA session, retrieve the dynamically generat...
Dwolla Documents API
Upload and retrieve identity-verification documents for Customers and beneficial owners when additional documentation is required to clear verification. Supports photo ID and bu...
Dwolla Funding Sources API
Attach, verify, retrieve, update and remove bank-account and balance funding sources for Accounts and Customers. Supports micro-deposit verification, instant Open Banking verifi...
Dwolla Transfers API
Initiate, retrieve, list, search and cancel money transfers between funding sources over the U.S. banking rails — standard ACH, Same-Day ACH, and instant/real-time payments via ...
Dwolla Mass Payments API
Initiate a single batch (mass payment) of up to 5,000 individual transfers from one source funding source, then retrieve, update (pause/cancel), and list the mass payment and it...
Dwolla Labels API
Allocate and track funds within a Verified Customer's Dwolla balance using labels (a virtual sub-ledger). Create and list labels, reallocate balance between labels, and read the...
Dwolla Exchanges API
Manage Open Banking exchange connections used to instantly verify and fund from bank accounts. List available exchange partners (Plaid, MX, Flinks, Finicity, Checkout.com), crea...
Dwolla Exchange Sessions API
Create and manage exchange sessions — the short-lived tokens that drive the Open Banking connect experience. Start a Customer exchange session, list available exchange connectio...
Dwolla Events API
List and retrieve Events — the immutable record of every state change across your Dwolla application (customer verified, transfer created/completed/failed, funding source added,...
Dwolla Webhook Subscriptions API
Create, retrieve, list, pause and remove webhook subscriptions that tell Dwolla where to deliver event notifications. Each subscription carries a secret used to HMAC-sign payloa...
Dwolla Webhooks API
Inspect and manage individual webhook deliveries. Retrieve a specific webhook, list the delivery attempts for a subscription, and retry failed deliveries — giving you full visib...
Dwolla Client Tokens API
Generate single-use, narrowly-scoped client tokens that authorize Dwolla's low-code Drop-in Components and client-side flows to act on behalf of a specific Customer. Keeps your ...
Dwolla Tokens API
Exchange your application key and secret for an OAuth 2.0 client-credentials application access token used as the bearer token on every server-to-server Dwolla API request. Toke...
Dwolla Root API
The API root — a JSON-HAL hypermedia entry point that returns the _links an authenticated application can follow (its account, customers, and other top-level collections). Refle...
Dwolla Sandbox Simulations API
Sandbox-only endpoint that advances the state of test transfers and other resources so developers can simulate ACH processing, clearing, and failure scenarios on demand rather t...
Scroll within the panel for all 18 ·
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.
dwolla-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.
Dwolla 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.
Dwolla 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.
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 Dwolla — 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 5
Portal, sign-up, and the first successful call
Documentation 3
Reference material describing how the API behaves
Agent Surfaces 5
MCP servers, agent skills, and machine-readable catalogs
Design & Contract 8
Pagination, idempotency, versioning, errors, and events
Scroll within the panel for all 8 ·
Build 6
SDKs, sample code, and the tooling you integrate with
Access & Security 4
Authentication, authorization, and security posture
Operate 6
Status, limits, changes, and where to get help
Commercial 3
Pricing, plans, and the legal terms of use
Company 3
The organization behind the API
Other 2
Properties that don't map to a standard resource type
← All providers · Data indexed from github.com/api-evangelist/dwolla · machine-readable index on apis.io