Nu (Nubank)
Nu Holdings (Nubank) is Latin America's largest digital bank, with tens of millions of customers across Brazil, Mexico, and Colombia. Its core product surface - credit card, account, lending, investments, and insurance - is consumer-facing through the Nu mobile app, and Nubank does not publish a general-purpose public developer portal. Nubank participates in Brazil's Open Finance (Open Banking Brasil) regime, which standardises consent-driven access to account, transaction, and payment-initiation APIs for authorised third parties; Nubank's Open Finance endpoints are registered with the Brazilian Central Bank's directory. For merchant acceptance, Nubank operates NuPay for Business, a REST API for checkout payments, refunds, OAuth2/CIBA-based authorization, beneficiary management, and webhook event notifications, hosted at api.spinpay.com.br.
More than an index entry, but the surface is still mostly links rather than artifacts — the cohort most likely to move a full band from modest, well-targeted work.
API Evangelist profiles Nu (Nubank) the way a machine reads it — 10 machine-readable artifacts across 5 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 — Nu (Nubank) scores 19.6/100 (emerging), with a separate agent-readiness read of 7/100 (human only). 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 Nu (Nubank)
Each block below is one kind of artifact we hold for Nu (Nubank). 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 5
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.
Nubank Open Finance Brasil API
Open Finance Brasil endpoints registered by Nubank in the Central Bank directory. Provides consent-driven access to account, credit-card, loan, and payment-initiation data for a...
NuPay for Business - Checkout API
REST API for creating and managing NuPay checkout orders, querying payment status, cancelling unpaid orders, and processing refunds for completed transactions. Built for Brazili...
NuPay for Business - Authentication API
OAuth2 app-based authorization, CIBA (Client-Initiated Backchannel Authentication) for web flows, OTP validation, and token issuance / refresh for NuPay merchant integrations.
NuPay for Business - Beneficiary Management API
Register, query, and version final beneficiaries on NuPay orders with document validation across CPF, CNPJ, and international identifier types.
NuPay for Business - Event Webhooks
Signed webhook callbacks delivering payment-status and refund-status updates to merchant-configured endpoints. Includes signature validation headers so merchants can verify NuPa...
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.
Nubank Plans Pricing
PLANSRate 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.
Nubank 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.
Nubank Finops
FINOPSSecurity 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.
Resources
Every other property we hold for Nu (Nubank) — 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
Build 1
SDKs, sample code, and the tooling you integrate with
Access & Security 2
Authentication, authorization, and security posture
Company 4
The organization behind the API
Other 1
Properties that don't map to a standard resource type
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