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Kontomatik

Kontomatik is a Warsaw- and Vilnius-based PSD2-licensed open banking provider delivering bank data aggregation, KYC, credit scoring, income verification, transaction labeling, and PDF statement parsing across Central and Eastern Europe (Poland, Czech Republic, Romania, Lithuania, Latvia, Estonia) and Iberia (Spain, Portugal). The platform combines an Account Information Service (AIS) with Single, Multiple, and Mixed access modes, Polish-bank PDF parsing in standard and trusted modes, and an analytical stack (labeling, vendor recognition, scoring, profiling, data summary, income confirmation) plus the Kontomatik Report. Operations are managed through the Insight client portal with API-key issuance, IP whitelisting, role-based access, and 2FA.

agent ready

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.

Kin Score

API Evangelist profiles Kontomatik the way a machine reads it — 53 machine-readable artifacts across 16 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 — Kontomatik scores 58.0/100 (developing), with a separate agent-readiness read of 48/100 (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.

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 58.0/100 · developing
Contract Quality 17.7 / 25
Developer Ergonomics 9.1 / 20
Commercial Clarity 8.9 / 20
Operational Transparency 4.8 / 13
Governance 10.4 / 12
Discoverability 8.8 / 10
Regulatory · Banking & Open Finance 7.2 / 15
Agent readiness — 48/100 · agent ready
Machine-Readable Contract 18 / 18
Agentic Access Contract 15 / 15
MCP Server 0 / 12
Machine-Readable Auth 10 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 7 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3

How we profile Kontomatik

Each block below is one kind of artifact we hold for Kontomatik. 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 16

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.

Kontomatik Aggregation API

Cross-source aggregation

Kontomatik Catalog API

Bank coverage catalog

Kontomatik Command API

Background import commands and consent management

Kontomatik Confirmations API

Transaction confirmation PDF parsing

Kontomatik Features API

Owner-level financial metrics

Kontomatik Income API

Income confirmation

Kontomatik Labeling API

Transaction categorization

Kontomatik Mock API

Test session generation against KontoBank

Kontomatik Owner API

Owner data lifecycle

Kontomatik Profile API

Behavioral profiling (beta)

Kontomatik Reports API

Report token lifecycle

Kontomatik Score API

ML credit scoring

Kontomatik SignIn API

Redirection-based bank authentication flow

Kontomatik Statements API

Bank statement PDF parsing

Kontomatik Summary API

Aggregated financial summaries

Kontomatik Vendors API

Vendor / counterparty recognition (beta)

Scroll within the panel for all 16 ·

Open Collections 4

Open, tool-agnostic collections carry the same runnable value as Postman without locking you to one client — the portable, forkable form of the same exercise.

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

Pricing Plans 1

Pricing is part of the interface. Machine-readable plans tell you what a tier costs and includes before you commit — one of the six things the Kin Score reads for commercial clarity.

Published pricing tiers and plan structures.

Rate 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.

Kontomatik Rate Limits

5 limits

RATE LIMITS

FinOps 1

Cost, billing, and metering signals let a buyer model the financial operations of an API before it's live. We profile them for the same reason we profile pricing: the money is part of the contract.

Cost, billing, and metering signals for API financial operations.

Features 16

The notable capabilities this provider advertises, captured as structured features so they can be searched and compared instead of read one landing page at a time.

Notable capabilities this provider offers.

PSD2-regulated Account Information Service (AIS) with Single, Multiple, and Mixed access modes
Multiple Access consent tokens reusable for up to 180 days
Redirection and Widget-based SignIn Flow
KontoBank mock bank for sandbox testing
PDF statement and confirmation parsing for Polish banks (standard and trusted modes)
Owner Upload endpoint for blending external financial data
Transaction labeling, vendor recognition (beta), and external-data labeling
ML credit scoring with repayment probability and explanations
Behavioral profiling (beta) and owner-feature extraction
Data summaries per category / account and income confirmation across four configurable timespans
Kontomatik Report (beta) — authenticated, time-bound shareable reports
Insight client portal with role-based access, 2FA, IP whitelisting, API key issuance, and usage statistics
ISO 27001 certified information security management
GDPR-compliant data handling with 24-hour default retention
Coverage across 8 CEE / Iberian markets — Poland, Czech Republic, Spain, Portugal, Romania, Lithuania, Latvia, Estonia
150+ live customers across financial services, e-commerce, real estate, accounting, and leasing

Scroll within the panel for all 16 ·

Semantic 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.

Kontomatik Context

33 classes · 0 properties

JSON-LD

Spectral Rules 2

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.

Kontomatik API Rules

5 rules · 3 warnings

SPECTRAL

Kontomatik API Rules

5 rules · 2 errors · 3 warnings

SPECTRAL

JSON Schema 3

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.

KontomatikAccount

8 properties

JSON SCHEMA

KontomatikOwner

7 properties

JSON SCHEMA

KontomatikTransaction

10 properties

JSON SCHEMA

JSON Structure 1

JSON Structure captures the data shapes in a form built for tooling — a complement to JSON Schema that keeps the model machine-legible.

JSON Structure definitions describing this provider's data shapes.

Kontomatik Owner Graph Structure

0 properties

JSON STRUCTURE

Examples 3

Real request and response payloads are what turn a spec from abstract into obvious — and they're one of the twelve things an agent needs to call an API correctly on the first try.

Example request and response payloads for these 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.

Kontomatik Authentication

apiKey · 1 scheme

SECURITY

Kontomatik Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Kontomatik Trust Center

ISO 27001, GDPR

SECURITY

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.

Kontomatik Agentic Access

30 operations · 13 acting

30 operations · 13 acting

AGENTIC

Resources

Every other property we hold for Kontomatik — 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

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

Design & Contract 2

Pagination, idempotency, versioning, errors, and events

Build 1

SDKs, sample code, and the tooling you integrate with

Access & Security 4

Authentication, authorization, and security posture

Operate 3

Status, limits, changes, and where to get help

Commercial 2

Pricing, plans, and the legal terms of use

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/kontomatik · machine-readable index on apis.io