Finicity
Finicity, LLC is a Utah-based financial-data aggregator and open-finance technology provider acquired by Mastercard in 2020 and now operating as Mastercard Open Banking (US) within Mastercard Open Finance. It is not a chartered bank but a consumer-permissioned data-access and decisioning platform (and an FCRA-regulated consumer reporting agency for its verification products), providing account and transaction aggregation, Verification of Assets, Income and Employment, transaction and cash-flow analysis, statements, and account validation for ACH payments. Finicity runs a first-party developer portal (developer.mastercard.com/open-banking-us, formerly developer.finicity.com and docs.finicity.com, both of which now redirect) over the live api.finicity.com host, is a founding participant in the Financial Data Exchange (FDX) with FDX-aligned data-sharing APIs, and positions its platform as an enabler of CFPB Section 1033 personal financial data rights. Public product documentation is openly reachable, but the full API reference and any machine-readable OpenAPI specification are partner-gated behind Mastercard Developers credentials.
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 Finicity the way a machine reads it — 44 machine-readable artifacts across 1 API, 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 — Finicity scores 49.7/100 (developing), with a separate agent-readiness read of 24/100 (agent aware). 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. Every facet and dimension name is a link: it opens that measurement's page on APIs.io, where the rating runs across the whole catalog — the exact checks that feed it, how every profiled provider distributes on it, and who is at the top of it.
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
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How we profile Finicity
Each block below is one kind of artifact we hold for Finicity. 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 41
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.
Finicity Connect
Hosted, embeddable account-linking experience that lets a consumer authenticate to their financial institution and permission data sharing, returning the linked accounts to the ...
Finicity Verification of Assets (VoA) API
Generates a consumer-permissioned Verification of Assets report from aggregated account and balance data for mortgage, lending and underwriting workflows, an FCRA-regulated cons...
Finicity Verification of Income & Employment (VoIE) API
Derives income streams and employment signals from permissioned transaction and payroll data to produce Verification of Income and Verification of Employment reports for lending...
Finicity Transaction Analysis (Cash Flow) API
Analyzes permissioned transaction history to produce cash-flow, income and expense insights used for prequalification, credit decisioning and financial-health scoring.
Finicity Payments (Account Validation) API
Validates account ownership and status for ACH and account-funding flows, returning account, routing and owner verification signals to reduce returned payments and fraud.
Finicity Open Banking Data Access (FDX)
FDX-aligned, consumer-permissioned open-banking data-access surface through which Finicity, as a founding Financial Data Exchange participant, shares financial data on behalf of...
Finicity Account Validation Assistance API
Micro entries and account verification
Finicity Accounts API
Fetch or refresh customer accounts
Finicity Accounts (Simple) API
Fetch simple customer accounts
Finicity App Registration API
Register and assign apps to customers
Finicity Authentication API
Generate authentication tokens and manage credentials
Finicity Balance Analytics API
Balance Analytics for businesses
Finicity Bank Statements API
Fetch account statements and generate reports asynchronously
Finicity Businesses API
Create and manage business associated with customers in order to use Balance Analytics or Cash Flow Analytics
Finicity Cash Flow Analytics API
Cash Flow Analytics for business
Finicity Cash Flow API
Generate cash flow reports asynchronously
Finicity Connect API
Allow customers to log into their financial institutions and grant Finicity authorization
Finicity Connect Components API
Allow customers to log into their financial institutions and grant Finicity authorization
Finicity Consumer Foresight API
Generate consumer foresight analytics reports
Finicity Consumers API
Create and manage consumers associated with customers in order to use report services
Finicity Customer Authorization Details API
APIs to retrieve customer authorization details
Finicity Customers API
Enroll and manage customers
Finicity Data Sharing Consent API
Manage data sharing consents
Finicity Identity API
Match the request details to the Institution account holder details
Finicity Institutions API
Search and fetch financial institutions
Finicity Pay Statements API
Upload pay statements
Finicity Payment Enablement Bundle API
Any or all of the Payments endpoints in one API call
Finicity Payment History Report API
Payment History Report for business
Finicity Payment Success Indicator API
Predict a transaction's likelihood to settle
Finicity Payments API
Fetch ACH details and account balances
Finicity Portfolios API
Generate portfolios of the most recent reports
Finicity Reports API
Fetch generated reports when ready
Finicity Small Business Credit Analytics API
Fetch merchant location matches and generate reports
Finicity Third Party Access API
Generate and manage access keys for other partners
Finicity Transaction Data Enrichment API
Enhance the transaction data set
Finicity Transactions API
Fetch customer and account transactions and generate reports asynchronously
Finicity Transfer API
Fetch details of the deposit and bill pay switches
Finicity Tx Push API
Manage TxPush subscriptions
Finicity Verify Assets API
Generate asset reports asynchronously
Finicity Verify Income and Employment API
Generate income and employment reports asynchronously
Finicity Webhook Subscription API
APIs for Managing Partner Webhook Event Subscriptions
Scroll within the panel for all 41 ·
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.
Finicity Webhooks
ASYNCAPISecurity 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 Finicity — 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 4
MCP servers, agent skills, and machine-readable catalogs
Design & Contract 6
Pagination, idempotency, versioning, errors, and events
Build 4
SDKs, sample code, and the tooling you integrate with
Access & Security 2
Authentication, authorization, and security posture
Operate 4
Status, limits, changes, and where to get help
Company 2
The organization behind the API
Other 3
Properties that don't map to a standard resource type
← All providers · Data indexed from github.com/api-evangelist/finicity · machine-readable index on apis.io
This is an independent, third-party profile of Finicity, published by API Evangelist. We do not operate, host, resell, or support these APIs, and we are not affiliated with or endorsed by the company unless stated above. Everything here is built from publicly available information — the company's own site, developer portal, documentation, public repositories, and the specifications it publishes for public use. Nothing is obtained by breaching a system, defeating an access control, or using credentials.
The Kin Score and Agent Readiness rating are independently calculated assessments of a company's public API artifacts, scored against a published rubric. They are not certifications, endorsements, security assessments, or audits.
Corrections, re-scores, and removal are free — no partnership or purchase required, and you do not need to justify the request. A removed company is recorded as unrated, never scored zero for having asked. Acknowledgement within one business day; removal within two.
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