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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.

agent ready

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.

Kin Score

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.

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 59.4/100 · developing
Contract Quality 18.7 / 25
Developer Ergonomics 9.6 / 20
Commercial Clarity 10.0 / 20
Operational Transparency 4.8 / 13
Governance 10.4 / 12
Discoverability 10.0 / 10
Regulatory · Banking & Open Finance 5.6 / 15
Agent readiness — 48/100 · agent ready
Machine-Readable Contract 18 / 18
Agentic Access Contract 15 / 15
MCP Server 0 / 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 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).

Scroll 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

6 plans

PLANS

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.

Yapily 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.

Yapily Context

40 classes · 1 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.

Yapily API Rules

5 rules · 3 warnings

SPECTRAL

Yapily API Rules

7 rules · 4 errors · 3 warnings

SPECTRAL

JSON 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

5 properties

JSON SCHEMA

Yapily Account

13 properties

JSON SCHEMA

Yapily Consent

20 properties

JSON SCHEMA

Yapily Institution

8 properties

JSON SCHEMA

Yapily PaymentResponse

32 properties

JSON SCHEMA

Yapily Transaction

25 properties

JSON SCHEMA

JSON 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

0 properties

JSON STRUCTURE

Yapily Payment Structure

0 properties

JSON STRUCTURE

Examples 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.

Yapily Authentication

http · 1 scheme

SECURITY

Yapily Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

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.

Yapily Agentic Access

97 operations · 52 acting · 2 human-in-the-loop

97 operations · 52 acting

AGENTIC

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

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