Upward Financial
Upward Financial (Upwardli) is a Techstars-backed embedded-finance platform that lets banks, fintechs, and gig platforms launch credit products for their customers without building the stack themselves. Its Credit Suite API and embeddable UI components cover credit builder cards and credit lines, bill payments and bureau bill reporting, direct payouts, money movement (ACH, AFT/OCT, instant, P2P, book transfers), cashback rewards, statements, and credit insights, with OAuth 2.0 machine-to-machine auth, RFC 8693 token exchange for consumer-scoped client tokens, an HMAC-signed webhook event catalog, an isolated sandbox with reserved SSN test cases and transaction simulators, a published OpenAPI 3.1, llms.txt, and a hosted docs MCP server.
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 Upward Financial the way a machine reads it — 22 machine-readable artifacts across 17 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 — Upward Financial scores 51.4/100 (developing), with a separate agent-readiness read of 61/100 (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.
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
How we profile Upward Financial
Each block below is one kind of artifact we hold for Upward Financial. 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.
Upward Financial accounts API
The accounts API from Upward Financial — 2 operation(s) for accounts.
Upward Financial auth API
The auth API from Upward Financial — 2 operation(s) for auth.
Upward Financial billPayments API
The billPayments API from Upward Financial — 4 operation(s) for billpayments.
Upward Financial billReporting API
The billReporting API from Upward Financial — 9 operation(s) for billreporting.
Upward Financial billSwitch API
The billSwitch API from Upward Financial — 2 operation(s) for billswitch.
Upward Financial cbaas API
The cbaas API from Upward Financial — 5 operation(s) for cbaas.
Upward Financial consumers API
The consumers API from Upward Financial — 13 operation(s) for consumers.
Upward Financial creditInsights API
The creditInsights API from Upward Financial — 1 operation(s) for creditinsights.
Upward Financial onboarding API
The onboarding API from Upward Financial — 11 operation(s) for onboarding.
Upward Financial partners API
The partners API from Upward Financial — 5 operation(s) for partners.
Upward Financial paymentCards API
The paymentCards API from Upward Financial — 10 operation(s) for paymentcards.
Upward Financial payments API
The payments API from Upward Financial — 12 operation(s) for payments.
Upward Financial plaid API
The plaid API from Upward Financial — 2 operation(s) for plaid.
Upward Financial rewards API
The rewards API from Upward Financial — 4 operation(s) for rewards.
Upward Financial simulations API
The simulations API from Upward Financial — 3 operation(s) for simulations.
Upward Financial statements API
The statements API from Upward Financial — 3 operation(s) for statements.
Upward Financial webhooks API
The webhooks API from Upward Financial — 3 operation(s) for webhooks.
Scroll within the panel for all 17 ·
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.
upward-financial-mcp.yml
MCP SERVEREvent 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.
Upward Financial Webhooks
ASYNCAPISecurity 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.
Upward Financial Scopes
9 scopes · clientCredentials/token-exchange (urn:ietf:params:oauth:grant-type:token-exchange)
SCOPESResources
Every other property we hold for Upward Financial — 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 3
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 3
Authentication, authorization, and security posture
Operate 2
Status, limits, changes, and where to get help
Commercial 2
Pricing, plans, and the legal terms of use
Company 1
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/upward-financial · machine-readable index on apis.io