IF
Integrated Finance (IF) is a modular fintech infrastructure platform — a "financial operating system" — that lets companies build banking, card, and payment experiences for their users without becoming a bank. Its orchestration layers (IF API interface, IF CORE workflow, IF CONNECT integration) sit on top of multiple banking, card-issuing, FX, and compliance providers and expose a single REST API covering clients and users, real / virtual / shared-pool accounts, incoming and outgoing bank transfers, currency exchanges, card issuing and processing (including 3DS and PIN management), beneficiary verification, generic transactions, and open-banking consents. Authentication is OAuth 2.0 on Keycloak (JWT client assertion, client_credentials); the API supports idempotency on all POST endpoints, Ed25519-signed webhooks with automatic retry, and a full sandbox environment for testing.
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 IF the way a machine reads it — 96 machine-readable artifacts across 11 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 — IF scores 52.7/100 (developing), with a separate agent-readiness read of 41/100 (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. 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 2026-10-17 · rubric v0.24.0
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How we profile IF
Each block below is one kind of artifact we hold for IF. 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 29
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.
Integrated Finance API
Single REST API for the Integrated Finance platform — clients, users, real / virtual / shared-pool accounts, bank transfers, currency exchanges, card issuing and processing, ben...
IF Account Statements API
The Account Statements API from IF — 4 operation(s) for account statements.
IF Accounts API
The Accounts API from IF — 3 operation(s) for accounts.
IF Balance Adjustments API
The Balance Adjustments API from IF — 1 operation(s) for balance adjustments.
IF Beneficiaries API
The Beneficiaries API from IF — 2 operation(s) for beneficiaries.
IF Beneficiary Bank Accounts API
The Beneficiary Bank Accounts API from IF — 2 operation(s) for beneficiary bank accounts.
IF Beneficiary Bank Accounts Metadata API
The Beneficiary Bank Accounts Metadata API from IF — 1 operation(s) for beneficiary bank accounts metadata.
IF Beneficiary Verifications API
The Beneficiary Verifications API from IF — 1 operation(s) for beneficiary verifications.
IF Card Transaction Authentications API
The Card Transaction Authentications API from IF — 2 operation(s) for card transaction authentications.
IF Card Transactions API
The Card Transactions API from IF — 2 operation(s) for card transactions.
IF Cards API
The Cards API from IF — 5 operation(s) for cards.
IF Client Relations API
The Client Relations API from IF — 2 operation(s) for client relations.
IF Clients API
The Clients API from IF — 2 operation(s) for clients.
IF Direct Debit Mandates API
The Direct Debit Mandates API from IF — 2 operation(s) for direct debit mandates.
IF Direct Debit Payments API
The Direct Debit Payments API from IF — 2 operation(s) for direct debit payments.
IF Exchange Quotes API
The Exchange Quotes API from IF — 2 operation(s) for exchange quotes.
IF Exchange Transactions API
The Exchange Transactions API from IF — 2 operation(s) for exchange transactions.
IF Generic Transactions API
The Generic Transactions API from IF — 2 operation(s) for generic transactions.
IF Incoming Transfers API
The Incoming Transfers API from IF — 2 operation(s) for incoming transfers.
IF Incoming Transfers - Compliance API
The Incoming Transfers - Compliance API from IF — 1 operation(s) for incoming transfers - compliance.
IF Open Banking Consents API
The Open Banking Consents API from IF — 2 operation(s) for open banking consents.
IF Outgoing Transfers API
The Outgoing Transfers API from IF — 2 operation(s) for outgoing transfers.
IF Outgoing Transfers - Compliance API
The Outgoing Transfers - Compliance API from IF — 1 operation(s) for outgoing transfers - compliance.
IF Outgoing Transfers Metadata API
The Outgoing Transfers Metadata API from IF — 2 operation(s) for outgoing transfers metadata.
IF Provisioned Account Credits API
The Provisioned Account Credits API from IF — 2 operation(s) for provisioned account credits.
IF Transaction Accounts API
The Transaction Accounts API from IF — 2 operation(s) for transaction accounts.
IF User & Client Relations API
The User & Client Relations API from IF — 2 operation(s) for user & client relations.
IF User Invitations API
The User Invitations API from IF — 2 operation(s) for user invitations.
IF Users API
The Users API from IF — 2 operation(s) for users.
Scroll within the panel for all 29 ·
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.
If Webhooks
ASYNCAPISemantic 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.
If Context
JSON-LDSpectral Rules 1
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.
IF API Rules
SPECTRALJSON Schema 60
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.
AccountAdjustmentCreateRequest
JSON SCHEMAAccountAdjustmentCreateResponse
JSON SCHEMAAccountCreateRequest
JSON SCHEMAAccountDepositInformationResponse
JSON SCHEMAAccountOpenBankingConsentUpdateRequest
JSON SCHEMAAccountOpenBankingConsentUpdateResponse
JSON SCHEMAAccountStatementsListRequest
JSON SCHEMAAccountStatementsListResponse
JSON SCHEMABeneficiaryBankAccountUpdateRequest
JSON SCHEMABeneficiaryBankAccountUpdateResponse
JSON SCHEMABeneficiaryVerificationRequest
JSON SCHEMABeneficiaryVerificationResponse
JSON SCHEMACardAccountCreateRequest
JSON SCHEMACardAccountCreateResponse
JSON SCHEMACardAccountDeleteResponse
JSON SCHEMACardAccountListResponse
JSON SCHEMACardOTPCreateRequest
JSON SCHEMACardOTPCreateResponse
JSON SCHEMACardTransactionAuthenticationGetResponse
JSON SCHEMACardTransactionAuthenticationListResponse
JSON SCHEMACardTransactionAuthenticationUpdateRequest
JSON SCHEMACardTransactionAuthenticationUpdateResponse
JSON SCHEMACardTransactionGetResponse
JSON SCHEMACardTransactionListResponse
JSON SCHEMAClientRelationCreateRequest
JSON SCHEMAClientRelationCreateResponse
JSON SCHEMAClientRelationDeleteResponse
JSON SCHEMAClientRelationListResponse
JSON SCHEMAClientRelationUpdateRequest
JSON SCHEMAClientRelationUpdateResponse
JSON SCHEMAComplianceCheckUpdateResponse
JSON SCHEMADirectDebitMandateUpdateRequestBody
JSON SCHEMAExchangeCreateRequest
JSON SCHEMAExchangeCreateResponse
JSON SCHEMAExchangeListResponse
JSON SCHEMAExchangeUpdateRequest
JSON SCHEMAExchangeUpdateResponse
JSON SCHEMAGenericTransactionCreateRequest
JSON SCHEMAGenericTransactionCreateResponse
JSON SCHEMAGenericTransactionGetResponse
JSON SCHEMAGenericTransactionListResponse
JSON SCHEMAGenericTransactionUpdateRequest
JSON SCHEMAGenericTransactionUpdateResponse
JSON SCHEMAIncomingTransferUpdateResponse
JSON SCHEMAOpenBankingConsentListResponse
JSON SCHEMAOutgoingTransferDateMetadataResponse
JSON SCHEMAProvisionedAccountCreditCreateRequest
JSON SCHEMAProvisionedAccountCreditCreateResponse
JSON SCHEMAProvisionedAccountCreditGetResponse
JSON SCHEMAProvisionedAccountCreditListResponse
JSON SCHEMAQuoteRefreshRequest
JSON SCHEMATransactionAccountCreateRequest
JSON SCHEMATransactionAccountCreateResponse
JSON SCHEMATransactionAccountStatementListResponse
JSON SCHEMATransactionAccountStatementRequest
JSON SCHEMATransactionAccountStatementResponse
JSON SCHEMATransactionAccountUpdateRequest
JSON SCHEMAUserClientRelationCreatePlatformRequest
JSON SCHEMAUserClientRelationCreatePlatformResponse
JSON SCHEMAUserClientRelationUpdatePlatformRequest
JSON SCHEMAScroll within the panel for all 60 ·
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.
Resources
Every other property we hold for IF — 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 3
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 10
Pagination, idempotency, versioning, errors, and events
Scroll within the panel for all 10 ·
Build 1
SDKs, sample code, and the tooling you integrate with
Access & Security 4
Authentication, authorization, and security posture
Operate 4
Status, limits, changes, and where to get help
Commercial 2
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/if · machine-readable index on apis.io
This is an independent, third-party profile of IF, 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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