Yapily
Yapily is a UK-headquartered Open Banking platform that exposes a single REST API across 2,000+ banks in the UK and 18+ European countries. The platform provides AISP (Account Information) and PISP (Payment Initiation) capabilities, Variable Recurring Payments (VRP), transaction enrichment (Data Plus), Account Validation, and Hosted Payment/Consent Pages. Yapily Connect Ltd is FCA-authorised in the UK and Yapily Connect UAB is authorised by the Bank of Lithuania for EU coverage, allowing customers to launch without holding their own PSD2 permissions.
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 Yapily the way a machine reads it — 45 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 — Yapily scores 59.4/100 (developing), with a separate agent-readiness read of 48/100 (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.
How we profile Yapily
Each block below is one kind of artifact we hold for Yapily. 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 16
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.
Yapily Institutions API
Discover and inspect the 2,000+ supported UK and European banks (ASPSPs), including supported features, payment methods, countries, BIC/BBAN identifiers, media assets, and authe...
Yapily Consents and Authorisations API
Create, retrieve, revoke, and re-authorise PSD2 consents for AIS and PIS interactions across UK Open Banking and Berlin Group ASPSPs. Supports redirect, embedded, and decoupled ...
Yapily Payments API (PIS)
Payment Initiation Service Provider (PISP) endpoints for initiating single, scheduled, periodic, bulk, and international payments directly from a customer's bank account. Single...
Yapily Data Plus API
Transaction enrichment endpoints providing merchant detection, MCC categorisation, and spending insights across consumer and business accounts.
Yapily Application Beneficiaries API
Application Beneficiaries Endpoints
Yapily Application Management API
Application Management endpoints help with creating and managing client sub-applications.
Yapily Authorisations API
Before calling [Financial Data](#yapily-api-financial-data) or [Payments](#yapily-api-payments) endpoints, a consent from an end-user must be obtained. Consents are valid for up...
Yapily Constraints API
The constraints endpoints can be used to retrieve institution specific data requirements and rules that will apply when performing other operations.
Yapily Financial Data API
In order to access a user's Financial Data, you are required to request an [Authorisation](#tag/Authorisations) from the user to share the account information the bank has. Once...
Yapily Hosted Consent Pages API
Hosted Consent Pages endpoints for data products
Yapily Hosted Payment Pages API
Hosted Payment Pages endpoints for payments products
Yapily Notifications API
The Notifications endpoints provide an interactive way for user to receive notifications according to different event-types. This feature is currently in private beta. Please re...
Yapily User Beneficiaries API
User Beneficiaries Endpoints
Yapily Users API
The Users endpoints are used to manage each user (otherwise known as the PSU) in Yapily. Each user belongs to an Application and as a consequence, so do each `Consent` created f...
Yapily Variable Recurring Payments API
Variable Recurring Payments enables transfer of money between accounts held by the same person or transfer of money for business payments. In order to make Sweeping Variable Rec...
Yapily Webhooks API
Webhook endpoints
Scroll within the panel for all 16 ·
Open Collections 9
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).
Yapily Beneficiaries API
OPEN COLLECTIONYapily Consents and Authorisations API
OPEN COLLECTIONYapily Data Access API (AIS)
OPEN COLLECTIONYapily Data Plus API
OPEN COLLECTIONYapily Hosted Pages API
OPEN COLLECTIONYapily Institutions API
OPEN COLLECTIONYapily Payments API (PIS)
OPEN COLLECTIONYapily Platform API
OPEN COLLECTIONYapily Variable Recurring Payments API
OPEN COLLECTIONScroll within the panel for all 9 ·
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.
Yapily 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.
Yapily Rate Limits
RATE LIMITSFinOps 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.
Yapily Finops
FINOPSSemantic 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.
Yapily Context
JSON-LDSpectral 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.
Yapily API Rules
SPECTRALYapily API Rules
SPECTRALJSON Schema 6
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.
Yapily AccountBalance
JSON SCHEMAYapily Account
JSON SCHEMAYapily Consent
JSON SCHEMAYapily Institution
JSON SCHEMAYapily PaymentResponse
JSON SCHEMAYapily Transaction
JSON SCHEMAJSON Structure 2
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.
Yapily Account Structure
JSON STRUCTUREYapily Payment Structure
JSON STRUCTUREExamples 3
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 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.
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 Yapily — 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 1
Portal, sign-up, and the first successful call
Documentation 1
Reference material describing how the API behaves
Agent Surfaces 1
MCP servers, agent skills, and machine-readable catalogs
Design & Contract 2
Pagination, idempotency, versioning, errors, and events
Build 9
SDKs, sample code, and the tooling you integrate with
Scroll within the panel for all 9 ·
Access & Security 2
Authentication, authorization, and security posture
Operate 1
Status, limits, changes, and where to get help
Commercial 3
Pricing, plans, and the legal terms of use
Company 2
The organization behind the API
← All providers · Data indexed from github.com/api-evangelist/yapily · machine-readable index on apis.io