Pluggy
Pluggy is a Brazilian Open Finance infrastructure company (pluggy.ai) offering APIs to connect bank data, collect payments and move money across Brazilian financial institutions. Its platform aggregates accounts, transactions, investments, credit card bills and identity data through direct and regulated Open Finance connectors, with the Pluggy Connect drop-in widget, a sandbox environment, a developer dashboard and an MCP server for developer tooling.
Reference-quality API operations across every facet — a rich contract, published governance, transparent operations, and machine-readable commercial terms.
API Evangelist profiles Pluggy the way a machine reads it — 49 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 — Pluggy scores 72.4/100 (exemplar), with a separate agent-readiness read of 56/100 (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. Every facet and dimension name is a link: it opens that measurement's page on APIs.io, where the rating runs across the whole catalog — the exact checks that feed it, how every profiled provider distributes on it, and who is at the top of it.
Kin Score
How this is scored →scored 2026-10-31 · rubric v0.25.0
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</a>More shapes, themes and sizes → · Score as JSON · How badges work
How we profile Pluggy
Each block below is one kind of artifact we hold for Pluggy. 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 24
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.
Pluggy Enrichment API
Pluggy Enrichment API -- transaction categorization, behavior analysis, and recurring-payments detection.
Pluggy Status API
Read the health of every Pluggy connector, product and infrastructure component plus open and past incidents (the data behind status.pluggy.ai); no authentication required.
Pluggy Account API
Bank account information and management
Pluggy Auth API
Authentication endpoints for API key generation and connect tokens
Pluggy Automatic PIX API
Automatic PIX payment scheduling and management
Pluggy Bill API
Credit card bill information
Pluggy Boleto Management API
Boleto payment management
Pluggy Category API
Transaction categorization and rules
Pluggy Connector API
Financial institution connector management
Pluggy Consent API
User consent management for data access
Pluggy Identity API
User identity verification and data
Pluggy Investment API
Investment portfolio and asset management
Pluggy Items API
Item management for syncing financial data
Pluggy Loan API
Loan information and management
Pluggy Merchant API
Merchant and company information by CNPJ
Pluggy Payment Customer API
Payment customer management
Pluggy Payment Intent API
Payment intent processing
Pluggy Payment Recipient API
Payment recipient management
Pluggy Payment Request API
Payment request creation and management
Pluggy Payment Schedule API
Payment scheduling operations
Pluggy SCR API
Bacen's credit information system, consulted through a connected Open Finance item
Pluggy Smart Transfer API
Smart transfer functionality
Pluggy Transaction API
Financial transaction data and operations
Pluggy Webhook API
Webhook configuration and management
Scroll within the panel for all 24 ·
MCP Servers 1
Model Context Protocol servers expose these APIs directly to AI agents. We profile them because agent-native access is the fastest-growing way this provider's capabilities actually get used.
Model Context Protocol servers that expose these APIs to AI agents.
Pluggy MCP Server
Remote MCP server at mcp.pluggy.ai over streamable HTTP requiring OAuth; 34 tools listed.
MCP SERVERAgent Skills 5
An agent skill packages the how-to for driving these APIs from an assistant — the prompts, the sequence, the guardrails — so the knowledge to use the API travels with it.
Packaged agent skills for driving this provider's APIs from an AI assistant.
pluggy-check-connector-health
AGENT SKILLpluggy-connect-and-sync-an-item
AGENT SKILLpluggy-enrich-transactions
AGENT SKILLpluggy-initiate-a-pix-payment
AGENT SKILLpluggy-read-open-finance-data
AGENT SKILLPricing 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 things the Kin Score reads for access clarity — renamed from commercial clarity in rubric 0.12, because a free statutory interface has access terms and no commercial ones.
Published pricing tiers and plan structures.
Pluggy 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.
Pluggy Rate Limits
RATE LIMITSEvent 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.
Pluggy Webhooks
ASYNCAPISemantic 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.
Pluggy Context
JSON-LDSpectral Rules 1
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.
Pluggy API Rules
SPECTRALJSON Schema 9
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.
ConnectorIncidents
JSON SCHEMAIdentityResponse
JSON SCHEMAInvestment
JSON SCHEMAItem
JSON SCHEMALoan
JSON SCHEMAPaymentRequest
JSON SCHEMAStatusSnapshot
JSON SCHEMAStatusSummary
JSON SCHEMATransaction
JSON SCHEMAScroll within the panel for all 9 ·
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.
Scopes 1
OAuth scopes are the vocabulary of least-privilege access. Profiling them shows exactly what an integration — or an agent acting on a user's behalf — is allowed to do.
OAuth scopes governing access to this provider's APIs.
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 Pluggy — 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
Documentation 2
Reference material describing how the API behaves
Agent Surfaces 5
MCP servers, agent skills, and machine-readable catalogs
Design & Contract 10
Pagination, idempotency, versioning, errors, and events
Scroll within the panel for all 10 ·
Build 5
SDKs, sample code, and the tooling you integrate with
Access & Security 6
Authentication, authorization, and security posture
Operate 5
Status, limits, changes, and where to get help
Commercial 5
Pricing, plans, and the legal terms of use
Company 3
The organization behind the API
Other 4
Properties that don't map to a standard resource type
← All providers · Data indexed from github.com/api-evangelist/pluggy · machine-readable index on apis.io
This is an independent, third-party profile of Pluggy, published by API Evangelist. We do not operate, host, resell, or support these APIs, and we are not affiliated with or endorsed by the company unless stated above. Everything here is built from publicly available information — the company's own site, developer portal, documentation, public repositories, and the specifications it publishes for public use. Nothing is obtained by breaching a system, defeating an access control, or using credentials.
The Kin Score and Agent Readiness rating are independently calculated assessments of a company's public API artifacts, scored against a published rubric. They are not certifications, endorsements, security assessments, or audits.
Corrections, re-scores, and removal are free — no partnership or purchase required, and you do not need to justify the request. A removed company is recorded as unrated, never scored zero for having asked. Acknowledgement within one business day; removal within two.
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