Bud Financial Limited
Bud Financial Limited is a financial technology company offering digital banking solutions, including personal and business accounts, budgeting tools, and API-driven services for developers. The company focuses on providing seamless, secure, and user-friendly financial experiences through modern APIs, enabling integration with third‑party applications and services. Bud Financial aims to empower users with real‑time insights, automated savings, and flexible payment options, positioning itself as an innovative player in the fintech ecosystem.
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.
API Evangelist profiles Bud Financial Limited the way a machine reads it — 58 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 — Bud Financial Limited scores 53.6/100 (developing), with a separate agent-readiness read of 47/100 (agent native). 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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How we profile Bud Financial Limited
Each block below is one kind of artifact we hold for Bud Financial Limited. 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 39
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.
Bud Financial Limited Aggregation Buckets API
Manage virtual "buckets" for grouping and aggregating transactions by their underlying categories. Use this for retrieving financial data for customers of the Assess Dashboard (...
Bud Financial Limited Client Secrets API
Create, list, and revoke Client Secrets used, alongside the `client_id`, to authenticate to the Bud platform via OAuth2.
Bud Financial Limited Correct Financial Data API
Manipulate Transactions held on the Bud platform by finding similar transactions and submitting corrections.
Bud Financial Limited Create a Connection API
Create a new connection to an Open Banking provider by using either: (i) Bud's configurable frontend UI (__Bud Connect__), built to maximise conversion; or (ii) Bud's individual...
Bud Financial Limited Custom Insights API
Understand and target messaging to your customers more effectively by defining your own custom insights.
Bud Financial Limited Customer Application Links API
Create a link for a customer to follow, which will allow them to connect their bank accounts and submit their financial data for the application.
Bud Financial Limited Customer Applications API
Create, retrieve and manage financial applications for customers using the Assess product. Applications created on this platform can be viewed using the Assess Dashboard to obse...
Bud Financial Limited Customer-Level Insights API
Retrieve flags and facts calculated in real time from a customer's financial data.
Bud Financial Limited Debt Collection Finder API
Find information regarding your customer's debts.
Bud Financial Limited Drive Campaigns API
Create and manage campaigns — by hand, or by describing a business goal for Drive's campaign agent to build one from — track their performance, and retrieve the customer-facing ...
Bud Financial Limited Drive MCP API
Connection URLs for Drive's remote Model Context Protocol servers, for use with AI/LLM driven agents — the general Drive copilot, and dedicated servers for segments and campaign...
Bud Financial Limited Drive Segments API
Create and manage customer segments — Drive's V1 model (fixed customer lists, criteria copied from an existing segment) and V2 model (a recursive criteria tree of flags, segment...
Bud Financial Limited Enrichment Resources API
Obtain greater context to Bud's enrichment services.
Bud Financial Limited Enrichment Totals API
Breakdown your customer's income and expenditure based on Bud's enrichments to help orientate their financial world.
Bud Financial Limited Frontend Widgets API
A collection of frontend widgets representing customer financial data.
Bud Financial Limited Income Finder API
Find information regarding your customer's income.
Bud Financial Limited Ingest First Party Data API
Initiate the asynchronous process of pushing a customer's account information (i.e. first party data) onto the Bud platform. These asynchronous requests create a task to store t...
Bud Financial Limited Initiate Payment - Bud license API
Authenticates and securely creates a new payment from a customer’s chosen account(s) using Bud's regulatory licence as a [Third Party Provider (TPP)](https://www.openbanking.org...
Bud Financial Limited Initiate Payment - Client license API
Authenticates and securely creates a new payment from a customer’s chosen account(s) using your organisation's regulatory permission as a Payment Initiation Service Provider (PI...
Bud Financial Limited Loan Finder API
Find information regarding your customer's loans.
Bud Financial Limited Manage a Connection API
Different endpoints that allow to to manage an existing customer connection. This includes the ability to: (i) Refresh the data associated with a given connection, pulling in th...
Bud Financial Limited Manage Customers API
Manage the number of customers registered onto the Bud platform.
Bud Financial Limited Manage Financial Data API
Manipulate Transactions held on the Bud platform by removing data, submitting corrections, or adding tags through different rulesets.
Bud Financial Limited Manage Payments API
Manage payments to initiated through Bud's Payments API
Bud Financial Limited Manage Transaction Labels API
Create, list, rename, and delete customer-authored labels that can be attached to transactions. Labels are customer-defined strings used to group transactions in ways that are m...
Bud Financial Limited MCP (Model Context Protocol) API
Allows an MCP Client to connect to Bud API endpoints as tools. Currently in beta
Bud Financial Limited O Auth2 API
Retrieve and manage access and refresh tokens to authenticate to the Bud platform via OAuth2 protocol.
Bud Financial Limited Product Finder API
Find information regarding your customer's financial products.
Bud Financial Limited Regular Payments Finder API
Find information relating to any regularity found across certain groups of transactions within your customer's accounts.
Bud Financial Limited Retrieve Actionable Insights API
Retrieve a customer's actionable insights generated from their financial data.
Bud Financial Limited Retrieve Affordability Report API
Breakdown your customer's transactions by fixed/flexible spend and discretionary vs non discretionary high-level totals.
Bud Financial Limited Retrieve Affordability Report V2 API
Breakdown your customer's transactions by fixed/flexible spend and discretionary vs non discretionary high-level totals. Retrieve Affordability Report V2 endpoints are designed ...
Bud Financial Limited Retrieve Affordability Risk Insights API
Retrieve a customer's report insights generated from their financial data. In contrast to the alert style actionable insights, these insights should be used more as a summary.
Bud Financial Limited Retrieve Customer Characteristics API
Retrieve Characteristics associated with an individual Customer based on their financial data.
Bud Financial Limited Retrieve Financial Data API
Retrieve a customer's financial data from a range of sources.
Bud Financial Limited Savings Goals V2 API
Savings goals management API V2.
Bud Financial Limited Spending Budgets API
Spending budgets management API.
Bud Financial Limited Subscription Finder API
Find information regarding your customer's subscriptions.
Bud Financial Limited Transaction Search API
Allows customers to search & ask questions about their financial transactions.
Scroll within the panel for all 39 ·
Agent Skills 4
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.
thisisbud-initiate-payment-client-license
AGENT SKILLthisisbud-initiate-payment
AGENT SKILLthisisbud-manage-transaction-labels
AGENT SKILLEvent 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.
Thisisbud 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.
Thisisbud 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.
Bud Financial Limited API Rules
SPECTRALJSON Schema 8
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.
Authorisation Gateweay URL Request Payload
JSON SCHEMAGet Balances Response
JSON SCHEMAGet Balances Response
JSON SCHEMAPatch Spending Budget
JSON SCHEMATransaction
JSON SCHEMATransaction
JSON SCHEMAAuthorisation Gateweay URL Request Payload
JSON SCHEMAScroll within the panel for all 8 ·
Security 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.
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 Bud Financial Limited — 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 2
Reference material describing how the API behaves
Agent Surfaces 4
MCP servers, agent skills, and machine-readable catalogs
Design & Contract 7
Pagination, idempotency, versioning, errors, and events
Scroll within the panel for all 7 ·
Build 1
SDKs, sample code, and the tooling you integrate with
Access & Security 8
Authentication, authorization, and security posture
Scroll within the panel for all 8 ·
Operate 5
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
Other 2
Properties that don't map to a standard resource type
← All providers · Data indexed from github.com/api-evangelist/thisisbud · machine-readable index on apis.io
This is an independent, third-party profile of Bud Financial Limited, 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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