Moov
Moov is a money-movement platform that lets software teams accept, store, send, and spend money through a single REST API. The Moov API covers accounts and onboarding, representatives, capabilities and underwriting, funding sources (bank accounts, cards, Apple Pay, Google Pay, wallets), and money movement across ACH, RTP, push-to-card, and card acquiring - plus transfers, refunds, disputes, sweeps, and card issuing. Moov also maintains a well-known open-source GitHub organization (github.com/moov-io) of Go libraries for banking file formats (ACH, wire, IAT, and more); this catalog documents the commercial hosted Moov money-movement API at api.moov.io.
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 Moov the way a machine reads it — 22 machine-readable artifacts across 14 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 — Moov scores 38.7/100 (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 Moov
Each block below is one kind of artifact we hold for Moov. 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 14
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.
Moov Accounts API
Business and individual accounts, the core money-movement identity.
Moov Bank Accounts API
Bank accounts linked as funding sources, with verification.
Moov Capabilities API
Money-movement capabilities enabled on an account.
Moov Card Issuing API
Virtual spending cards, authorizations, and card transactions.
Moov Cards API
Payment cards linked as funding sources.
Moov Disputes API
Card disputes, chargebacks, and evidence.
Moov Institutions API
Financial institution lookup by routing number.
Moov Payment Methods API
Funding-source and rail combinations usable in transfers.
Moov Refunds API
Refunds and reversals on card transfers.
Moov Representatives API
Beneficial owners and controllers attached to a business account.
Moov Sweeps API
Automated sweeps of wallet balances to a bank account.
Moov Transfers API
Money movement across ACH, RTP, push-to-card, and card acquiring.
Moov Underwriting API
Underwriting details used to enable card acquiring and higher-risk activity.
Moov Wallets API
Stored-balance wallets and their ledgered transactions.
Scroll within the panel for all 14 ·
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).
Moov 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.
Moov Io 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.
Moov Io Finops
FINOPSSecurity 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 Moov — 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 3
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
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