Spare
Spare is a MENA-region open banking and open finance platform, licensed by the Central Bank of Bahrain as an Account Information Service Provider and Payment Initiation Service Provider (AISP/PISP) and permitted to test under the Saudi Central Bank (SAMA) regulatory sandbox. Spare exposes RESTful Account Information Services (AIS) — account details, balances, transactions, statements, beneficiaries, parties, direct debits, plus risk and affordability reports — and Payment Initiation Services (PIS) for domestic single, future-dated and standing-order payments, across separate Bahrain, KSA and UAE tenants hosted in-region for data-residency compliance. Developers authenticate with OAuth2 client credentials to obtain signed JWT bearer tokens, drive a customer to connection to consent to data flow, verify token and webhook signatures against a published JWKS, and integrate via official TypeScript, Java, .NET and PHP SDKs plus Postman collections.
Solid contracts, transparent operations, and an easy start — typically complete on four or five facets with one clear soft spot.
API Evangelist profiles Spare the way a machine reads it — 41 machine-readable artifacts across 7 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 — Spare scores 55.2/100 (strong), with a separate agent-readiness read of 28/100 (agent aware). 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 2026-09-08 · rubric v0.20.0
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</a>More shapes, themes and sizes → · Score as JSON · How badges work
How we profile Spare
Each block below is one kind of artifact we hold for Spare. 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 17
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.
Spare Account API
The Account API from Spare — 4 operation(s) for account.
Spare AccountInformationReport API
The AccountInformationReport API from Spare — 5 operation(s) for accountinformationreport.
Spare Balance API
The Balance API from Spare — 3 operation(s) for balance.
Spare Beneficiary API
The Beneficiary API from Spare — 1 operation(s) for beneficiary.
Spare Cert API
The Cert API from Spare — 1 operation(s) for cert.
Spare Connection API
The Connection API from Spare — 4 operation(s) for connection.
Spare Consent API
The Consent API from Spare — 9 operation(s) for consent.
Spare Customer API
The Customer API from Spare — 5 operation(s) for customer.
Spare DirectDebit API
The DirectDebit API from Spare — 1 operation(s) for directdebit.
Spare Parties API
The Parties API from Spare — 1 operation(s) for parties.
Spare Payment API
The Payment API from Spare — 2 operation(s) for payment.
Spare Provider API
The Provider API from Spare — 2 operation(s) for provider.
Spare Request API
The Request API from Spare — 11 operation(s) for request.
Spare RiskReport API
The RiskReport API from Spare — 6 operation(s) for riskreport.
Spare Statement API
The Statement API from Spare — 1 operation(s) for statement.
Spare Token API
The Token API from Spare — 2 operation(s) for token.
Spare Transaction API
The Transaction API from Spare — 5 operation(s) for transaction.
Scroll within the panel for all 17 ·
Open Collections 18
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).
API Collection
OPEN COLLECTIONInformation Account API
OPEN COLLECTIONInformation Account AccountInformationReport API
OPEN COLLECTIONInformation Account Balance API
OPEN COLLECTIONInformation Account Beneficiary API
OPEN COLLECTIONInformation Account Cert API
OPEN COLLECTIONInformation Account Connection API
OPEN COLLECTIONInformation Account Consent API
OPEN COLLECTIONInformation Account Customer API
OPEN COLLECTIONInformation Account DirectDebit API
OPEN COLLECTIONInformation Account Parties API
OPEN COLLECTIONInformation Account Payment API
OPEN COLLECTIONInformation Account Provider API
OPEN COLLECTIONInformation Account Request API
OPEN COLLECTIONInformation Account RiskReport API
OPEN COLLECTIONInformation Account Statement API
OPEN COLLECTIONInformation Account Token API
OPEN COLLECTIONInformation Account Transaction API
OPEN COLLECTIONScroll within the panel for all 18 ·
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.
Spare Webhooks
ASYNCAPISecurity 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 Spare — 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 5
Portal, sign-up, and the first successful call
Documentation 2
Reference material describing how the API behaves
Agent Surfaces 4
MCP servers, agent skills, and machine-readable catalogs
Design & Contract 6
Pagination, idempotency, versioning, errors, and events
Build 4
SDKs, sample code, and the tooling you integrate with
Access & Security 5
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 2
The organization behind the API
Other 2
Properties that don't map to a standard resource type
← All providers · Data indexed from github.com/api-evangelist/spare · machine-readable index on apis.io
This is an independent, third-party profile of Spare, 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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you will get a person, not a form — we will tell you exactly which public URLs this profile was built from.