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TrueLayer

TrueLayer is Europe's leading open banking platform providing unified access to bank data, payments, payouts, refunds, and variable recurring payments across the UK and EU. TrueLayer connects to 69+ financial institutions and enables instant bank payments, data enrichment, and account verification through a single API.

agent ready

Solid contracts, transparent operations, and an easy start — typically complete on four or five facets with one clear soft spot.

Kin Score

API Evangelist profiles TrueLayer the way a machine reads it — 24 machine-readable artifacts across 6 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 — TrueLayer scores 62.6/100 (strong), with a separate agent-readiness read of 60/100 (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 — 62.6/100 · strong
Contract Quality 17.7 / 25
Developer Ergonomics 10.0 / 20
Commercial Clarity 9.5 / 20
Operational Transparency 6.8 / 13
Governance 8.8 / 12
Discoverability 10.0 / 10
Regulatory · Banking & Open Finance 9.1 / 15
Agent readiness — 60/100 · agent ready
Machine-Readable Contract 18 / 18
Agentic Access Contract 15 / 15
MCP Server 12 / 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 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3

How we profile TrueLayer

Each block below is one kind of artifact we hold for TrueLayer. 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 6

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.

TrueLayer Data API

The TrueLayer Data API provides access to bank account data including account information, balances, transactions, identity verification, and standing orders. Used for account v...

TrueLayer Mandates API

Variable recurring payment mandates

TrueLayer Merchant Accounts API

Merchant account management and balance

TrueLayer Payments API

Create and manage individual bank payments

TrueLayer Payouts API

Payments from merchant accounts to users

TrueLayer Refunds API

Refund payments back to users

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).

TrueLayer Payments API

OPEN COLLECTION

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.

MCP Server

MCP SERVER

GraphQL 1

Where a provider ships GraphQL, the schema is the contract. We profile it alongside the REST surface so the whole interface is legible in one place.

GraphQL schemas published by this provider.

TrueLayer GraphQL Schema

This conceptual GraphQL schema represents the TrueLayer open banking platform, covering unified access to bank data, payments, payouts, variable recurring payments (VRP), identi...

GRAPHQL

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.

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.

Truelayer Rate Limits

5 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.

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.

Truelayer Context

25 classes · 5 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.

TrueLayer API Rules

5 rules · 4 warnings

SPECTRAL

TrueLayer API Rules

11 rules · 6 errors · 2 warnings

SPECTRAL

JSON Schema 1

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.

Payment

11 properties

JSON SCHEMA

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.

Truelayer Payment Structure

0 properties

JSON STRUCTURE

Examples 2

Real request and response payloads are what turn a spec from abstract into obvious — and they're one of the twelve things an agent needs to call an API correctly on the first try.

Example request and response payloads for these APIs.

Security Posture 4

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.

Truelayer Authentication

http · 1 scheme

SECURITY

Truelayer Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Truelayer Vulnerability Disclosure

security.txt · contact published

SECURITY

Truelayer Trust Center

ISO 27001, GDPR

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.

Truelayer Agentic Access

13 operations · 6 acting · 1 human-in-the-loop

13 operations · 6 acting

AGENTIC

Resources

Every other property we hold for TrueLayer — 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 3

MCP servers, agent skills, and machine-readable catalogs

Build 2

SDKs, sample code, and the tooling you integrate with

Operate 1

Status, limits, changes, and where to get help

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