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Moov

Moov is a financial infrastructure platform that enables developers to embed money movement capabilities directly into their applications. Their developer platform provides a RESTful API, client-side JavaScript SDK, pre-built UI components, and official backend SDKs across multiple languages for building compliant, full-featured financial products.

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 Moov the way a machine reads it — 109 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 — Moov scores 56.8/100 (developing), with a separate agent-readiness read of 54/100 (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 — 56.8/100 · developing
Contract Quality 21.7 / 25
Developer Ergonomics 6.1 / 20
Commercial Clarity 12.1 / 20
Operational Transparency 3.4 / 13
Governance 6.3 / 12
Discoverability 8.8 / 10
Regulatory · Banking & Open Finance 7.2 / 15
Agent readiness — 54/100 · 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 6 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3

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 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.

Moov.js

Moov.js is a client-side JavaScript SDK designed to streamline interactions with the Moov API while keeping personally identifiable information out of developer infrastructure. ...

Moov Drops

Moov Drops are pre-built, drop-in web UI components for complicated payment and account management flows. These components securely collect payment and account information from ...

Moov Backend SDKs

Moov provides official server-side client libraries for interacting with the Moov API across multiple programming languages, including Go, TypeScript, Python, Java, PHP, Ruby, a...

Moov Accounts API

Create and manage Moov accounts representing individual or business legal entities. Accounts are the foundation for all money movement operations.

Moov Authentication API

OAuth2 access token creation and revocation for API authentication.

Moov Bank Accounts API

Link and manage bank accounts as funding sources for ACH and RTP transfers. Includes micro-deposit and instant verification flows.

Moov Capabilities API

Request and manage capabilities that enable specific financial operations on an account, such as send-funds or collect-funds.

Moov Cards API

Link and manage debit and credit cards as payment sources on Moov accounts.

Moov Disputes API

Manage card payment disputes including evidence submission, acceptance, and lifecycle tracking for chargeback resolution.

Moov Payment Links API

Create and manage shareable payment links that allow customers to pay via card or bank account without custom code.

Moov Payment Methods API

Retrieve the available payment methods on an account, including bank accounts, cards, and wallets, which can be used as transfer sources or destinations.

Moov Refunds API

Create and retrieve refunds for completed card transfers, including full and partial refund support.

Moov Representatives API

Manage business representatives associated with a Moov account for KYB compliance and ownership verification.

Moov Sweeps API

Configure automatic daily transfers from a Moov wallet to an external bank account on a set schedule using ACH or RTP rails.

Moov Transfers API

Initiate and manage money movement between Moov accounts. Supports ACH, RTP, and card rails with full lifecycle tracking.

Moov Wallets API

Create and manage Moov digital wallets that hold funds within the platform. Supports wallet transactions and balance adjustments.

Scroll within the panel for all 16 ·

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 COLLECTION

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.

Moov Plans Pricing

7 plans

PLANS

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 Rate Limits

2 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.

Moov Finops

FINOPS

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.

Card Acceptance: IC+ + 0.60% + $0.15/transaction
Tap to Pay: IC+ + 0.50% + $0.15
Instant Payments (RTP): 0.95% (50¢ min, $5 cap)
ACH transfers: $0.25-$0.40 each
Moov Wallets: $0.50/active wallet/month
Virtual Cards: $0.15 per card creation
$500/month minimum across all products
Apple Pay and Google Pay support
International cards: +1.5% surcharge
REST API: 600 req/min default
Webhooks for facilitator/account/transfer events
OAuth 2.0 + API tokens
Embedded onboarding for sub-merchants
KYC/KYB built in
1099-K reporting handled
Custom pricing for high-volume

Scroll within the panel for all 16 ·

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.

Moov Webhooks

Moov delivers real-time event notifications to your application via webhooks when state changes occur on your platform. When an event occurs, Moov sends an HTTP POST request wit...

ASYNCAPI

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.

Moov Context

0 classes · 16 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.

Moov API Rules

6 rules · 1 errors · 5 warnings

SPECTRAL

Moov API Rules

6 rules · 4 warnings

SPECTRAL

JSON Schema 64

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.

AccessToken

4 properties

JSON SCHEMA

Moov Account

10 properties

JSON SCHEMA

AccountConnection

3 properties

JSON SCHEMA

AccountConnectionRequest

1 properties

JSON SCHEMA

AccountProfile

2 properties

JSON SCHEMA

AccountVerification

1 properties

JSON SCHEMA

Address

6 properties

JSON SCHEMA

Amount

2 properties

JSON SCHEMA

BankAccount

9 properties

JSON SCHEMA

BankAccountVerification

2 properties

JSON SCHEMA

BusinessProfile

9 properties

JSON SCHEMA

Capability

7 properties

JSON SCHEMA

CapabilityRequirement

2 properties

JSON SCHEMA

Card

14 properties

JSON SCHEMA

CardExpiration

2 properties

JSON SCHEMA

CardVerification

3 properties

JSON SCHEMA

CompleteVerificationRequest

1 properties

JSON SCHEMA

CreateAccountRequest

5 properties

JSON SCHEMA

CreatePaymentLinkRequest

3 properties

JSON SCHEMA

CreateRefundRequest

1 properties

JSON SCHEMA

CreateRepresentativeRequest

7 properties

JSON SCHEMA

CreateSweepConfigRequest

4 properties

JSON SCHEMA

CreateTransferRequest

6 properties

JSON SCHEMA

Dispute

10 properties

JSON SCHEMA

DisputeEvidence

5 properties

JSON SCHEMA

DisputeEvidenceText

2 properties

JSON SCHEMA

Error

2 properties

JSON SCHEMA

GovernmentID

2 properties

JSON SCHEMA

IndividualProfile

6 properties

JSON SCHEMA

IndustryCodes

3 properties

JSON SCHEMA

LinkBankAccountRequest

3 properties

JSON SCHEMA

LinkCardRequest

5 properties

JSON SCHEMA

MicroDepositConfirmation

1 properties

JSON SCHEMA

Name

4 properties

JSON SCHEMA

PaymentLink

10 properties

JSON SCHEMA

PaymentMethod

5 properties

JSON SCHEMA

PaymentMethodOption

3 properties

JSON SCHEMA

Phone

2 properties

JSON SCHEMA

Refund

5 properties

JSON SCHEMA

Representative

11 properties

JSON SCHEMA

RepresentativeResponsibilities

4 properties

JSON SCHEMA

RequestCapabilitiesRequest

1 properties

JSON SCHEMA

RevokeTokenRequest

1 properties

JSON SCHEMA

SsnOrItin

2 properties

JSON SCHEMA

Sweep

7 properties

JSON SCHEMA

SweepConfig

8 properties

JSON SCHEMA

TaxID

1 properties

JSON SCHEMA

TokenRequest

4 properties

JSON SCHEMA

TosToken

2 properties

JSON SCHEMA

Moov Transfer

13 properties

JSON SCHEMA

TransferAccountRef

3 properties

JSON SCHEMA

TransferCancellation

3 properties

JSON SCHEMA

TransferOptions

2 properties

JSON SCHEMA

TransferOptionsRequest

3 properties

JSON SCHEMA

TransferParticipant

6 properties

JSON SCHEMA

UpdateAccountRequest

3 properties

JSON SCHEMA

UpdateCardRequest

3 properties

JSON SCHEMA

UpdatePaymentLinkRequest

4 properties

JSON SCHEMA

UpdateRepresentativeRequest

7 properties

JSON SCHEMA

UpdateSweepConfigRequest

3 properties

JSON SCHEMA

UpdateTransferRequest

1 properties

JSON SCHEMA

UpdateWalletRequest

1 properties

JSON SCHEMA

Wallet

4 properties

JSON SCHEMA

WalletTransaction

9 properties

JSON SCHEMA

Scroll within the panel for all 64 ·

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.

Moov Structure

0 properties

JSON STRUCTURE

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.

Moov Authentication

http · 1 scheme

SECURITY

Moov Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Moov Trust Center

SOC 2

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.

Moov Agentic Access

68 operations · 36 acting · 4 human-in-the-loop

68 operations · 36 acting

AGENTIC

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.

Get Started 2

Portal, sign-up, and the first successful call

Documentation 1

Reference material describing how the API behaves

Agent Surfaces 2

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

Company 3

The organization behind the API

← All providers · Data indexed from github.com/api-evangelist/moov · machine-readable index on apis.io