Lithic
Lithic is a card issuing and issuer-processor API platform for building virtual and physical card programs - authorization, clearing, KYC/KYB account holder onboarding, programmable authorization rules, real-time Auth Stream Access (ASA) decisioning, disputes, digital wallet tokenization, 3DS authentication, ACH payments, ledgered financial accounts, and settlement reporting. Lithic publishes a full OpenAPI 3.1 specification (github.com/lithic-com/lithic-openapi) backing official Node, Python, Go, Java, and Kotlin SDKs, with a sandbox at sandbox.lithic.com that mirrors production functionality.
Limited machine-readable signal and partial portal coverage — documentation a human can read, but little a machine or agent can consume without scraping.
API Evangelist profiles Lithic the way a machine reads it — 40 machine-readable artifacts across 31 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 — Lithic scores 43.5/100 (thin), 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
How this is scored →scored 2026-07-27 · rubric v0.5
How we profile Lithic
Each block below is one kind of artifact we hold for Lithic. 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 31
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.
Lithic 3DS API
3D Secure e-commerce authentication and decisioning.
Lithic Account API
Top-level program accounts and their spend limits.
Lithic Account Holder API
KYC/KYB onboarding and management of individual and business account holders.
Lithic Auth Rules API
Programmable v2 authorization rules, versions, drafts, backtests, and evaluation results.
Lithic Auth Stream Access (ASA) API
Real-time HTTP webhook authorization decisioning in the transaction path.
Lithic Balance API
Available and pending balances for financial accounts.
Lithic Book Transfer API
Internal ledger transfers between financial accounts.
Lithic Card API
Virtual and physical card issuance, lifecycle, and digital wallet provisioning.
Lithic Card Authorizations API
Responses to real-time authorization challenges.
Lithic Card Bulk Orders API
Bulk physical card ordering.
Lithic Chargeback API
Legacy v1 dispute (chargeback) submission and evidence.
Lithic Credit Product API
Credit product configuration, extended credit, and prime rates.
Lithic Event API
Events API and webhook event subscription management.
Lithic External Bank Account API
External bank accounts used for ACH payments, with prenote and micro-deposit verification.
Lithic External Payments API
Recording and reconciling payments that move outside of Lithic-initiated rails.
Lithic Financial Account API
Ledgered financial accounts, credit configuration, and account activity.
Lithic Fraud Report API
Fraud reporting on card transactions.
Lithic Funding Events API
Card program funding event reporting.
Lithic Hold API
Holds placed against financial account balances.
Lithic Managed Disputes API
v2 managed disputes (read surface for Lithic-managed dispute handling).
Lithic Management Operations API
Manual ledger adjustments and corrections.
Lithic Network Program API
Card network program metadata.
Lithic Payment API
ACH payments between Lithic financial accounts and external bank accounts.
Lithic Responder Endpoints API
Registration of HTTP endpoints that receive Auth Stream Access (ASA) requests.
Lithic Settlement Report API
Daily settlement detail, summary, and network total reporting.
Lithic Statements API
Financial account statements, line items, and loan tapes for credit products.
Lithic Status API
API status check.
Lithic Tokenization API
Digital wallet tokenization (Apple Pay / Google Pay / Samsung Pay) lifecycle and decisioning.
Lithic Transaction API
Card transaction authorization, clearing, and simulation.
Lithic Transaction Monitoring API
Fraud/AML case and queue management for flagged transactions.
Lithic Transfer Limits API
The Transfer Limits API from Lithic — 1 operation(s) for transfer limits.
Scroll within the panel for all 31 ·
Open Collections 1
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).
Lithic API
OPEN COLLECTIONPricing 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.
Lithic Com Rate Limits
RATE LIMITSFinOps 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.
Lithic Com Finops
FINOPSSecurity Posture 4
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 Lithic — 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.
Documentation 1
Reference material describing how the API behaves
Agent Surfaces 1
MCP servers, agent skills, and machine-readable catalogs
Build 1
SDKs, sample code, and the tooling you integrate with
Access & Security 4
Authentication, authorization, and security posture
Operate 1
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
← All providers · Data indexed from github.com/api-evangelist/lithic-com · machine-readable index on apis.io