API Evangelist Sector Report
The State of US Payments APIs
68 US payment companies scored — the deepest, most agent-instrumented payments estate on earth, and the market with no mandate and no floor. Four Exemplars, the card networks trailing the fintechs, the rails absent as self-serve APIs, and no FAPI/mTLS anywhere.
Read the report →
$500
· PDF + Word, instant download
US Payments
Grouped by Kin Score band and ranked by composite score within each, with the separate agent-readiness score alongside. Click the scores on any row to open the full facet and dimension breakdown behind both numbers, and click again to close it.
search
68 providers
Exemplar 5 70+ Reference-quality API operations across every facet.
1
Stripe Exemplar agent native Gateways & PSPs
Online payment processing for internet businesses. Stripe is a suite of payment APIs that powers commerce for online businesses of all sizes.
Composite
84.5
Agent
100.0
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 84.5/100 · exemplar
Contract Quality
16.0 / 25
Developer Ergonomics
20.0 / 20
Commercial Clarity
20.0 / 20
Operational Transparency
12.3 / 13
Governance
7.9 / 12
Discoverability
5.5 / 10
Regulatory · Payments
15.0 / 15
Agent readiness — 100/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract
15 / 15
MCP Server
12 / 12
Machine-Readable Auth
10 / 10
Idempotency
9 / 9
Stable Error Semantics
8 / 8
Request/Response Examples
7 / 7
Rate-Limit Signaling
7 / 7
Typed Event Surface
6 / 6
Agent Skills
5 / 5
Well-Known Catalog
4 / 4
Consent & Bot Identity
3 / 3
2
Square Exemplar agent native Gateways & PSPs
Square provides APIs for payment processing, point of sale, and business management solutions enabling developers to build custom commerce applications.
Composite
76.7
Agent
79.8
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 76.7/100 · exemplar
Contract Quality
18.1 / 25
Developer Ergonomics
16.5 / 20
Commercial Clarity
15.8 / 20
Operational Transparency
9.9 / 13
Governance
7.9 / 12
Discoverability
6.8 / 10
Regulatory · Payments
13.1 / 15
Agent readiness — 80/100 · agent native
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
8 / 8
Request/Response Examples
7 / 7
Rate-Limit Signaling
7 / 7
Typed Event Surface
6 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
3
Plaid Exemplar agent native Financial Data & Aggregation
Plaid is a US financial-technology company and data-network aggregator that provides an API platform for businesses to securely connect with their users' ban...
Composite
74.9
Agent
90.4
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 74.9/100 · exemplar
Contract Quality
15.3 / 25
Developer Ergonomics
14.8 / 20
Commercial Clarity
20.0 / 20
Operational Transparency
10.9 / 13
Governance
6.3 / 12
Discoverability
9.3 / 10
Regulatory · Banking & Open Finance
9.8 / 15
Agent readiness — 90/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract
15 / 15
MCP Server
12 / 12
Machine-Readable Auth
10 / 10
Idempotency
9 / 9
Stable Error Semantics
8 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
7 / 7
Typed Event Surface
6 / 6
Agent Skills
5 / 5
Well-Known Catalog
4 / 4
Consent & Bot Identity
0 / 3
4
Unit Exemplar agent native Embedded Finance & BaaS
Unit is a US Banking-as-a-Service (BaaS) platform that lets companies embed banking, cards, and payments into their own products. Its REST API — organized ar...
Composite
72.7
Agent
72.1
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 72.7/100 · exemplar
Contract Quality
15.1 / 25
Developer Ergonomics
16.1 / 20
Commercial Clarity
15.8 / 20
Operational Transparency
10.9 / 13
Governance
0.0 / 12
Discoverability
10.0 / 10
Regulatory · Banking & Open Finance
15.0 / 15
Agent readiness — 72/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract
0 / 15
MCP Server
12 / 12
Machine-Readable Auth
10 / 10
Idempotency
9 / 9
Stable Error Semantics
8 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
7 / 7
Typed Event Surface
6 / 6
Agent Skills
5 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
5
Socure Exemplar agent ready Fraud, Risk & Identity
Socure is the leading vertically-integrated digital identity verification and fraud-prevention platform, used by 3,000+ banks, fintechs, crypto exchanges, ma...
Composite
71.3
Agent
53.8
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 71.3/100 · exemplar
Contract Quality
19.2 / 25
Developer Ergonomics
13.0 / 20
Commercial Clarity
15.8 / 20
Operational Transparency
7.9 / 13
Governance
7.9 / 12
Discoverability
7.5 / 10
Agent readiness — 54/100 · 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
6 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
Strong 11 60–69.9 Solid contracts, transparent operations, and an easy start.
6
Fireblocks Strong agent ready Crypto & Stablecoin Rails
Fireblocks is an institutional digital-asset and stablecoin infrastructure company providing MPC-secured custody, wallets (custodial and non-custodial / embe...
Composite
69.6
Agent
54.8
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 69.6/100 · strong
Contract Quality
16.8 / 25
Developer Ergonomics
12.6 / 20
Commercial Clarity
15.8 / 20
Operational Transparency
6.8 / 13
Governance
8.8 / 12
Discoverability
8.8 / 10
Agent readiness — 55/100 · 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
7 / 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
7
Block Strong agent ready Gateways & PSPs
Block, Inc. is a global technology company building economic empowerment tools through a family of products including Square (commerce and payments), Cash Ap...
Composite
69.5
Agent
48.1
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 69.5/100 · strong
Contract Quality
16.4 / 25
Developer Ergonomics
9.1 / 20
Commercial Clarity
16.8 / 20
Operational Transparency
6.8 / 13
Governance
10.4 / 12
Discoverability
8.8 / 10
Regulatory · Payments
11.4 / 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
8
Highnote Strong agent native Issuer-Processors
Highnote is a modern, unified embedded-finance and banking-as-a-service platform for card issuing, card acquiring, credit, and real-time money movement, with...
Composite
68.3
Agent
90.4
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 68.3/100 · strong
Contract Quality
18.2 / 25
Developer Ergonomics
14.8 / 20
Commercial Clarity
16.3 / 20
Operational Transparency
9.6 / 13
Governance
0.0 / 12
Discoverability
10.0 / 10
Regulatory · Payments
9.8 / 15
Agent readiness — 90/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract
15 / 15
MCP Server
12 / 12
Machine-Readable Auth
10 / 10
Idempotency
9 / 9
Stable Error Semantics
8 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
7 / 7
Typed Event Surface
6 / 6
Agent Skills
5 / 5
Well-Known Catalog
4 / 4
Consent & Bot Identity
0 / 3
9
Ramp Strong agent ready Spend, AP & AR
Ramp is a finance automation platform that combines corporate cards, expense management, accounts payable, vendor management, and accounting integrations int...
Composite
67.9
Agent
53.8
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 67.9/100 · strong
Contract Quality
19.6 / 25
Developer Ergonomics
7.8 / 20
Commercial Clarity
15.8 / 20
Operational Transparency
6.8 / 13
Governance
7.9 / 12
Discoverability
10.0 / 10
Agent readiness — 54/100 · 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
6 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
10
PayPal Strong agent ready Gateways & PSPs
PayPal is a global online payment system that lets individuals and businesses send and receive money electronically. PayPal exposes a broad surface of REST A...
Composite
66.7
Agent
55.8
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 66.7/100 · strong
Contract Quality
13.8 / 25
Developer Ergonomics
7.4 / 20
Commercial Clarity
15.8 / 20
Operational Transparency
8.9 / 13
Governance
8.8 / 12
Discoverability
8.0 / 10
Regulatory · Payments
13.4 / 15
Agent readiness — 56/100 · 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
8 / 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
11
Finix Strong agent native Embedded Finance & BaaS
Finix is a full-stack payments technology provider that lets software platforms, marketplaces, and merchants accept and send payments online and in person. T...
Composite
65.3
Agent
86.5
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 65.3/100 · strong
Contract Quality
16.7 / 25
Developer Ergonomics
17.0 / 20
Commercial Clarity
12.1 / 20
Operational Transparency
7.2 / 13
Governance
0.0 / 12
Discoverability
10.0 / 10
Regulatory · Payments
11.7 / 15
Agent readiness — 87/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract
15 / 15
MCP Server
12 / 12
Machine-Readable Auth
10 / 10
Idempotency
9 / 9
Stable Error Semantics
8 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
7 / 7
Typed Event Surface
6 / 6
Agent Skills
5 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
12
Authorize.net Strong agent native Gateways & PSPs
Authorize.net is a leading payment gateway providing secure online payment processing for merchants. It offers a POST-based XML/JSON API, Accept.js hosted pa...
Composite
63.0
Agent
67.3
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 63.0/100 · strong
Contract Quality
14.2 / 25
Developer Ergonomics
13.0 / 20
Commercial Clarity
18.4 / 20
Operational Transparency
8.9 / 13
Governance
0.0 / 12
Discoverability
10.0 / 10
Regulatory · Payments
8.1 / 15
Agent readiness — 67/100 · agent native
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
8 / 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
13
Spreedly Strong agent native Gateways & PSPs
Spreedly is a United States payments orchestration platform and PCI-compliant card vault that lets merchants and platforms securely tokenize payment methods ...
Composite
62.8
Agent
83.7
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 62.8/100 · strong
Contract Quality
15.1 / 25
Developer Ergonomics
17.0 / 20
Commercial Clarity
12.1 / 20
Operational Transparency
8.2 / 13
Governance
0.0 / 12
Discoverability
10.0 / 10
Regulatory · Payments
9.8 / 15
Agent readiness — 84/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract
15 / 15
MCP Server
12 / 12
Machine-Readable Auth
10 / 10
Idempotency
9 / 9
Stable Error Semantics
8 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
6 / 6
Agent Skills
5 / 5
Well-Known Catalog
4 / 4
Consent & Bot Identity
0 / 3
14
Dwolla Strong agent native Financial Data & Aggregation
Dwolla is a Des Moines-based fintech providing an account-to-account (A2A) payments platform that lets businesses programmatically move money across the U.S....
Composite
62.5
Agent
90.4
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 62.5/100 · strong
Contract Quality
17.1 / 25
Developer Ergonomics
16.1 / 20
Commercial Clarity
12.1 / 20
Operational Transparency
6.8 / 13
Governance
0.0 / 12
Discoverability
10.0 / 10
Regulatory · Banking & Open Finance
9.8 / 15
Agent readiness — 90/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract
15 / 15
MCP Server
12 / 12
Machine-Readable Auth
10 / 10
Idempotency
9 / 9
Stable Error Semantics
8 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
7 / 7
Typed Event Surface
6 / 6
Agent Skills
5 / 5
Well-Known Catalog
4 / 4
Consent & Bot Identity
0 / 3
15
Payabli Strong agent native Gateways & PSPs
Payabli is an embedded payments platform and fintech operating system that lets software companies integrate and monetize financial services directly inside ...
Composite
60.6
Agent
79.8
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 60.6/100 · strong
Contract Quality
13.4 / 25
Developer Ergonomics
17.4 / 20
Commercial Clarity
12.1 / 20
Operational Transparency
6.8 / 13
Governance
0.0 / 12
Discoverability
10.0 / 10
Regulatory · Payments
9.8 / 15
Agent readiness — 80/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract
15 / 15
MCP Server
12 / 12
Machine-Readable Auth
10 / 10
Idempotency
9 / 9
Stable Error Semantics
8 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
6 / 6
Agent Skills
5 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
16
Cash App Strong agent native Gateways & PSPs
Cash App is a consumer mobile-first financial services platform operated by Block, Inc. (formerly Square, Inc.), a publicly traded company. Cash App is not i...
Composite
60.4
Agent
86.5
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 60.4/100 · strong
Contract Quality
15.1 / 25
Developer Ergonomics
15.2 / 20
Commercial Clarity
6.8 / 20
Operational Transparency
8.2 / 13
Governance
0.0 / 12
Discoverability
10.0 / 10
Regulatory · Banking & Open Finance
13.4 / 15
Agent readiness — 87/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract
15 / 15
MCP Server
12 / 12
Machine-Readable Auth
10 / 10
Idempotency
9 / 9
Stable Error Semantics
8 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
6 / 6
Agent Skills
5 / 5
Well-Known Catalog
4 / 4
Consent & Bot Identity
3 / 3
Developing 19 45–59.9 Real signal across most facets with visible, nameable gaps.
17
Circle Developing agent ready Crypto & Stablecoin Rails
Circle Internet Financial is the issuer of USDC and EURC and operates a developer platform for moving regulated stablecoin money across the internet. Their A...
Composite
59.6
Agent
53.8
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 59.6/100 · developing
Contract Quality
16.6 / 25
Developer Ergonomics
8.7 / 20
Commercial Clarity
12.1 / 20
Operational Transparency
6.8 / 13
Governance
6.3 / 12
Discoverability
10.0 / 10
Regulatory · Payments
8.1 / 15
Agent readiness — 54/100 · 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
6 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
18
Paxos Developing agent native Crypto & Stablecoin Rails
Paxos is a regulated blockchain and stablecoin infrastructure company that lets enterprises move any asset, any time, through a single API. The Paxos v2 REST...
Composite
57.9
Agent
83.7
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 57.9/100 · developing
Contract Quality
16.2 / 25
Developer Ergonomics
14.8 / 20
Commercial Clarity
6.8 / 20
Operational Transparency
6.8 / 13
Governance
0.0 / 12
Discoverability
10.0 / 10
Regulatory · Securities & Market Data
11.4 / 15
Agent readiness — 84/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract
15 / 15
MCP Server
12 / 12
Machine-Readable Auth
10 / 10
Idempotency
9 / 9
Stable Error Semantics
8 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
6 / 6
Agent Skills
5 / 5
Well-Known Catalog
4 / 4
Consent & Bot Identity
0 / 3
19
TabaPay Developing agent native Embedded Finance & BaaS
TabaPay is an instant money movement platform for fintechs, banks, and payment companies. One Unified API accepts payments (pull) and sends payouts (push) ac...
Composite
57.5
Agent
70.2
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 57.5/100 · developing
Contract Quality
14.0 / 25
Developer Ergonomics
17.0 / 20
Commercial Clarity
8.4 / 20
Operational Transparency
6.8 / 13
Governance
0.0 / 12
Discoverability
10.0 / 10
Regulatory · Payments
9.8 / 15
Agent readiness — 70/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract
0 / 15
MCP Server
12 / 12
Machine-Readable Auth
10 / 10
Idempotency
9 / 9
Stable Error Semantics
8 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
7 / 7
Typed Event Surface
0 / 6
Agent Skills
5 / 5
Well-Known Catalog
4 / 4
Consent & Bot Identity
0 / 3
20
Moov Developing agent ready Embedded Finance & BaaS
Moov is a financial infrastructure platform that enables developers to embed money movement capabilities directly into their applications. Their developer pl...
Composite
56.8
Agent
53.8
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 56.8/100 · developing
Contract Quality
21.7 / 25
Developer Ergonomics
6.1 / 20
Commercial Clarity
12.1 / 20
Operational Transparency
3.4 / 13
Governance
6.3 / 12
Discoverability
8.8 / 10
Regulatory · Banking & Open Finance
7.2 / 15
Agent readiness — 54/100 · 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
6 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
21
Bridge Developing agent native Crypto & Stablecoin Rails
Bridge is stablecoin payment and money-movement infrastructure for developers. Its composable REST APIs let businesses accept, hold, convert, and pay out sta...
Composite
55.2
Agent
83.7
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 55.2/100 · developing
Contract Quality
15.8 / 25
Developer Ergonomics
14.8 / 20
Commercial Clarity
6.8 / 20
Operational Transparency
4.1 / 13
Governance
0.0 / 12
Discoverability
10.0 / 10
Regulatory · Payments
11.4 / 15
Agent readiness — 84/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract
15 / 15
MCP Server
12 / 12
Machine-Readable Auth
10 / 10
Idempotency
9 / 9
Stable Error Semantics
8 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
6 / 6
Agent Skills
5 / 5
Well-Known Catalog
4 / 4
Consent & Bot Identity
0 / 3
22
Mastercard Developing agent ready Card Networks
Mastercard is a global technology company in the payments industry, providing APIs for payment processing, fraud detection, data analytics, and financial ser...
Composite
53.2
Agent
54.8
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 53.2/100 · developing
Contract Quality
13.7 / 25
Developer Ergonomics
8.3 / 20
Commercial Clarity
10.0 / 20
Operational Transparency
5.5 / 13
Governance
8.8 / 12
Discoverability
6.8 / 10
Regulatory · Banking & Open Finance
8.1 / 15
Agent readiness — 55/100 · 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
7 / 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
23
Alloy Developing agent ready Fraud, Risk & Identity
Alloy is an identity decisioning platform that provides a single REST API for running KYC/KYB workflows, evaluating applicant risk, automating compliance dec...
Composite
52.4
Agent
48.1
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 52.4/100 · developing
Contract Quality
12.8 / 25
Developer Ergonomics
8.3 / 20
Commercial Clarity
14.7 / 20
Operational Transparency
8.2 / 13
Governance
0.0 / 12
Discoverability
10.0 / 10
Regulatory · Banking & Open Finance
6.5 / 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
24
Clover Developing agent ready Acquirers & Processors
Clover is a Fiserv-owned point-of-sale platform for small and mid-size merchants. The Clover developer platform exposes the Clover REST API for inventory/ord...
Composite
51.8
Agent
48.1
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 51.8/100 · developing
Contract Quality
18.3 / 25
Developer Ergonomics
2.6 / 20
Commercial Clarity
5.8 / 20
Operational Transparency
4.8 / 13
Governance
10.4 / 12
Discoverability
8.8 / 10
Regulatory · Payments
8.8 / 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
25
Braintree Developing agent native Gateways & PSPs
Our mission is to empower developers with the tools, resources, and simple-to-use SDKs and APIs to build on one platform, so they can serve merchants from ar...
Composite
51.7
Agent
61.5
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 51.7/100 · developing
Contract Quality
18.8 / 25
Developer Ergonomics
3.5 / 20
Commercial Clarity
9.5 / 20
Operational Transparency
6.8 / 13
Governance
6.3 / 12
Discoverability
6.8 / 10
Agent readiness — 62/100 · agent native
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
8 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
7 / 7
Typed Event Surface
6 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
26
Orum Developing agent native Financial Data & Aggregation
Orum is a payments infrastructure company that lets businesses move money and verify bank accounts through a single unified API. Its Deliver product provides...
Composite
50.5
Agent
77.9
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 50.5/100 · developing
Contract Quality
16.5 / 25
Developer Ergonomics
14.3 / 20
Commercial Clarity
1.6 / 20
Operational Transparency
4.8 / 13
Governance
0.0 / 12
Discoverability
10.0 / 10
Regulatory · Banking & Open Finance
10.4 / 15
Agent readiness — 78/100 · agent native
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
8 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
7 / 7
Typed Event Surface
6 / 6
Agent Skills
5 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
27
FIS Global Developing agent ready Acquirers & Processors
FIS (Fidelity National Information Services) is a global leader in financial technology providing APIs for core banking, payments, wealth management, and cap...
Composite
50.4
Agent
48.1
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 50.4/100 · developing
Contract Quality
17.3 / 25
Developer Ergonomics
2.2 / 20
Commercial Clarity
7.9 / 20
Operational Transparency
3.4 / 13
Governance
8.8 / 12
Discoverability
9.3 / 10
Regulatory · Banking & Open Finance
8.8 / 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
28
NCR Developing agent ready Acquirers & Processors
NCR Corporation separated in October 2023 into two independent public companies: NCR Voyix, a global provider of digital commerce solutions for retailers and...
Composite
50.0
Agent
48.1
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 50.0/100 · developing
Contract Quality
17.0 / 25
Developer Ergonomics
5.7 / 20
Commercial Clarity
5.8 / 20
Operational Transparency
3.4 / 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
29
Lithic Developing agent ready Issuer-Processors
Lithic is a modern card-issuing and program-management platform offering REST APIs for cards, accounts, transactions, authorization control, ACH/wire payment...
Composite
49.5
Agent
48.1
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 49.5/100 · developing
Contract Quality
15.1 / 25
Developer Ergonomics
2.6 / 20
Commercial Clarity
9.5 / 20
Operational Transparency
3.4 / 13
Governance
8.8 / 12
Discoverability
10.0 / 10
Regulatory · Payments
7.5 / 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
30
Affirm Developing agent ready Buy Now, Pay Later
Affirm is a buy-now-pay-later platform offering installment loans at point-of-sale via merchant SDKs and direct APIs. Public Series A through F-funded company.
Composite
48.9
Agent
53.8
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 48.9/100 · developing
Contract Quality
21.0 / 25
Developer Ergonomics
2.2 / 20
Commercial Clarity
7.4 / 20
Operational Transparency
3.4 / 13
Governance
6.3 / 12
Discoverability
8.8 / 10
Regulatory · Payments
7.2 / 15
Agent readiness — 54/100 · 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
6 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
31
Marqeta Developing agent ready Issuer-Processors
Marqeta is a modern card-issuing and embedded-finance platform. The Core API is a large RESTful surface covering cards, users, businesses, GPA orders, KYC/KY...
Composite
48.8
Agent
53.8
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 48.8/100 · developing
Contract Quality
18.2 / 25
Developer Ergonomics
2.2 / 20
Commercial Clarity
7.4 / 20
Operational Transparency
3.4 / 13
Governance
6.3 / 12
Discoverability
9.3 / 10
Regulatory · Payments
9.1 / 15
Agent readiness — 54/100 · 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
6 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
32
Flywire Developing agent aware Spend, AP & AR
Flywire is a global payments enablement and software company that operates a proprietary cross-border payment network spanning more than 140 currencies and 2...
Composite
46.5
Agent
41.3
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 46.5/100 · developing
Contract Quality
5.7 / 25
Developer Ergonomics
13.5 / 20
Commercial Clarity
7.4 / 20
Operational Transparency
5.1 / 13
Governance
0.0 / 12
Discoverability
9.3 / 10
Regulatory · Payments
11.7 / 15
Agent readiness — 41/100 · agent aware
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
MCP Server
12 / 12
Machine-Readable Auth
10 / 10
Idempotency
0 / 9
Stable Error Semantics
8 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
6 / 6
Agent Skills
0 / 5
Well-Known Catalog
4 / 4
Consent & Bot Identity
3 / 3
33
Shift4 Developing agent native Acquirers & Processors
Shift4 (NYSE: FOUR) is a US-based integrated payments and commerce technology company headquartered in Center Valley, Pennsylvania, and a Fortune 1000 busine...
Composite
45.9
Agent
83.7
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 45.9/100 · developing
Contract Quality
10.6 / 25
Developer Ergonomics
16.5 / 20
Commercial Clarity
1.6 / 20
Operational Transparency
6.8 / 13
Governance
0.0 / 12
Discoverability
10.0 / 10
Regulatory · Payments
7.2 / 15
Agent readiness — 84/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract
15 / 15
MCP Server
12 / 12
Machine-Readable Auth
10 / 10
Idempotency
9 / 9
Stable Error Semantics
8 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
6 / 6
Agent Skills
5 / 5
Well-Known Catalog
4 / 4
Consent & Bot Identity
0 / 3
34
Chargebee Developing agent ready Billing & Subscriptions
Chargebee is a subscription billing and revenue management platform that enables SaaS and subscription businesses to automate recurring billing, invoicing, p...
Composite
45.4
Agent
53.8
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 45.4/100 · developing
Contract Quality
15.5 / 25
Developer Ergonomics
9.6 / 20
Commercial Clarity
4.7 / 20
Operational Transparency
2.7 / 13
Governance
6.3 / 12
Discoverability
10.0 / 10
Regulatory · Payments
3.9 / 15
Agent readiness — 54/100 · 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
6 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
35
Modern Treasury Developing agent ready Financial Data & Aggregation
Modern Treasury is a money movement platform unifying ACH, wires, RTP, checks, FX, and reconciliation across multiple bank partners. Operates as the financia...
Composite
45.1
Agent
48.1
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 45.1/100 · developing
Contract Quality
13.7 / 25
Developer Ergonomics
2.2 / 20
Commercial Clarity
7.4 / 20
Operational Transparency
3.4 / 13
Governance
8.8 / 12
Discoverability
8.8 / 10
Regulatory · Payments
7.5 / 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
Thin 19 30–44.9 Limited machine-readable signal beyond documentation a human can read.
36
Fiserv Thin agent ready Acquirers & Processors
Fiserv is a global provider of financial services technology solutions, offering a wide range of products and services to help clients in the banking, paymen...
Composite
44.8
Agent
53.8
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 44.8/100 · thin
Contract Quality
18.3 / 25
Developer Ergonomics
3.9 / 20
Commercial Clarity
5.8 / 20
Operational Transparency
3.4 / 13
Governance
7.3 / 12
Discoverability
7.5 / 10
Regulatory · Banking & Open Finance
5.6 / 15
Agent readiness — 54/100 · 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
6 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
37
Visa Thin agent ready Card Networks
Visa is a global payment technology company that facilitates electronic funds transfers by providing consumers, businesses, and governments with secure, conv...
Composite
44.7
Agent
48.1
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 44.7/100 · thin
Contract Quality
13.3 / 25
Developer Ergonomics
5.2 / 20
Commercial Clarity
5.8 / 20
Operational Transparency
3.4 / 13
Governance
10.4 / 12
Discoverability
8.0 / 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
38
Brex Thin agent ready Spend, AP & AR
Brex is the first fully unified spend platform with global corporate cards, expense management, reimbursements, travel, and bill pay. Brex makes it easy for ...
Composite
44.5
Agent
53.8
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 44.5/100 · thin
Contract Quality
14.6 / 25
Developer Ergonomics
2.2 / 20
Commercial Clarity
7.9 / 20
Operational Transparency
4.8 / 13
Governance
6.3 / 12
Discoverability
8.8 / 10
Agent readiness — 54/100 · 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
6 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
39
Euronet Worldwide Thin agent native Acquirers & Processors
Euronet Worldwide (NASDAQ: EEFT) is a US-based (Leawood, Kansas) global payments and financial technology company operating across three segments: Payments I...
Composite
43.6
Agent
72.1
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 43.6/100 · thin
Contract Quality
9.4 / 25
Developer Ergonomics
12.6 / 20
Commercial Clarity
8.9 / 20
Operational Transparency
2.1 / 13
Governance
0.0 / 12
Discoverability
8.8 / 10
Regulatory · Payments
8.1 / 15
Agent readiness — 72/100 · agent native
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
8 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
7 / 7
Typed Event Surface
0 / 6
Agent Skills
5 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
40
Melio Thin agent aware Spend, AP & AR
Melio is a B2B payments platform for small businesses that provides a REST API for managing bills, vendors, payment methods, scheduling payments, and syncing...
Composite
42.5
Agent
24.0
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 42.5/100 · thin
Contract Quality
13.2 / 25
Developer Ergonomics
3.0 / 20
Commercial Clarity
14.2 / 20
Operational Transparency
2.7 / 13
Governance
0.0 / 12
Discoverability
9.3 / 10
Agent readiness — 24/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract
0 / 15
MCP Server
0 / 12
Machine-Readable Auth
0 / 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
41
ACI Worldwide Thin agent aware Acquirers & Processors
ACI Worldwide (NASDAQ: ACIW) is a US-headquartered payment-software company that builds real-time payment, card, merchant/eCommerce, and bill-payment technol...
Composite
41.7
Agent
23.1
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 41.7/100 · thin
Contract Quality
5.7 / 25
Developer Ergonomics
13.0 / 20
Commercial Clarity
5.8 / 20
Operational Transparency
3.1 / 13
Governance
0.0 / 12
Discoverability
10.0 / 10
Regulatory · Payments
9.8 / 15
Agent readiness — 23/100 · agent aware
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
MCP Server
0 / 12
Machine-Readable Auth
10 / 10
Idempotency
0 / 9
Stable Error Semantics
8 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
6 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
42
Tipalti Thin agent aware Spend, AP & AR
Tipalti is a global accounts payable and mass payments automation platform that enables businesses to onboard suppliers, process payments across 196 countrie...
Composite
41.6
Agent
24.0
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 41.6/100 · thin
Contract Quality
14.6 / 25
Developer Ergonomics
2.2 / 20
Commercial Clarity
10.0 / 20
Operational Transparency
4.8 / 13
Governance
0.0 / 12
Discoverability
10.0 / 10
Agent readiness — 24/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract
0 / 15
MCP Server
0 / 12
Machine-Readable Auth
0 / 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
43
Basis Theory Thin agent ready Fraud, Risk & Identity
Basis Theory is a PCI Level 1 compliant tokenization and data vault platform. Its API-first product lets developers tokenize, store, and use sensitive data -...
Composite
41.2
Agent
48.1
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 41.2/100 · thin
Contract Quality
13.3 / 25
Developer Ergonomics
4.3 / 20
Commercial Clarity
9.5 / 20
Operational Transparency
4.8 / 13
Governance
0.0 / 12
Discoverability
10.0 / 10
Regulatory · Payments
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
44
American Express Thin agent aware Card Networks
American Express is a globally integrated payments company and card network that offers charge and credit cards, merchant acquiring, corporate payments, trav...
Composite
39.9
Agent
16.3
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 39.9/100 · thin
Contract Quality
0.0 / 25
Developer Ergonomics
10.4 / 20
Commercial Clarity
12.6 / 20
Operational Transparency
5.5 / 13
Governance
0.0 / 12
Discoverability
8.8 / 10
Regulatory · Banking & Open Finance
8.1 / 15
Agent readiness — 16/100 · agent aware
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 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
45
BILL Thin agent ready Spend, AP & AR
BILL (formerly Bill.com) is a cloud-based financial operations platform for small and midsize businesses that automates accounts payable, accounts receivable...
Composite
39.1
Agent
47.1
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 39.1/100 · thin
Contract Quality
15.5 / 25
Developer Ergonomics
7.8 / 20
Commercial Clarity
2.1 / 20
Operational Transparency
0.0 / 13
Governance
7.3 / 12
Discoverability
8.8 / 10
Regulatory · Payments
3.9 / 15
Agent readiness — 47/100 · 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
0 / 7
Typed Event Surface
6 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
46
Cross River Thin agent ready Embedded Finance & BaaS
Cross River is a regulated bank (FDIC member, Fort Lee, NJ) that delivers embedded finance and Banking-as-a-Service (BaaS) through its Cross River Operating ...
Composite
38.8
Agent
48.1
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 38.8/100 · thin
Contract Quality
14.6 / 25
Developer Ergonomics
3.9 / 20
Commercial Clarity
8.4 / 20
Operational Transparency
4.1 / 13
Governance
0.0 / 12
Discoverability
10.0 / 10
Regulatory · Payments
3.9 / 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
47
Nacha Thin agent native Domestic Rails & Schemes
Nacha (formerly the National Automated Clearing House Association) is the nonprofit, member-governed steward of the ACH Network, the batch-based account-to-a...
Composite
37.9
Agent
65.4
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 37.9/100 · thin
Contract Quality
9.4 / 25
Developer Ergonomics
12.6 / 20
Commercial Clarity
4.2 / 20
Operational Transparency
0.0 / 13
Governance
0.0 / 12
Discoverability
8.8 / 10
Regulatory · Payments
8.1 / 15
Agent readiness — 65/100 · agent native
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
8 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
5 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
48
Paymentus Thin agent aware Spend, AP & AR
Paymentus (NYSE: PAY) is a Addison, Texas-based cloud billing and payment technology company founded in 2004 that operates one of the largest electronic bill...
Composite
37.6
Agent
21.2
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 37.6/100 · thin
Contract Quality
0.0 / 25
Developer Ergonomics
9.6 / 20
Commercial Clarity
7.4 / 20
Operational Transparency
2.7 / 13
Governance
0.0 / 12
Discoverability
9.3 / 10
Regulatory · Payments
13.1 / 15
Agent readiness — 21/100 · agent aware
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 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
0 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
49
Global Payments Thin agent ready Acquirers & Processors
Global Payments is a leading worldwide provider of payment technology and software solutions delivering innovative services to customers globally. The compan...
Composite
37.5
Agent
48.1
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 37.5/100 · thin
Contract Quality
12.6 / 25
Developer Ergonomics
3.9 / 20
Commercial Clarity
5.8 / 20
Operational Transparency
3.4 / 13
Governance
0.0 / 12
Discoverability
10.0 / 10
Regulatory · Payments
7.2 / 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
50
FedNow Service Thin human only Domestic Rails & Schemes
The FedNow Service is an instant payments rail operated by the Federal Reserve Banks, launched in July 2023 to move funds between U.S. financial institutions...
Composite
36.7
Agent
13.5
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 36.7/100 · thin
Contract Quality
0.0 / 25
Developer Ergonomics
11.7 / 20
Commercial Clarity
8.9 / 20
Operational Transparency
4.1 / 13
Governance
0.0 / 12
Discoverability
8.8 / 10
Regulatory · Payments
8.1 / 15
Agent readiness — 14/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 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
0 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
4 / 4
Consent & Bot Identity
0 / 3
51
Worldpay Thin agent ready Acquirers & Processors
Worldpay is a global payment processing platform (part of FIS) offering REST APIs for payment acceptance, transaction management, tokenization, recurring bil...
Composite
35.8
Agent
48.1
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 35.8/100 · thin
Contract Quality
13.3 / 25
Developer Ergonomics
5.7 / 20
Commercial Clarity
5.8 / 20
Operational Transparency
2.7 / 13
Governance
0.0 / 12
Discoverability
10.0 / 10
Regulatory · Payments
3.9 / 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
52
Increase Thin agent ready Embedded Finance & BaaS
Increase is a banking and payments API providing direct ACH, wire, RTP, FedNow, check, and card programs. Bank-direct connectivity (no aggregator middle layer).
Composite
34.7
Agent
48.1
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 34.7/100 · thin
Contract Quality
13.4 / 25
Developer Ergonomics
2.6 / 20
Commercial Clarity
5.8 / 20
Operational Transparency
3.4 / 13
Governance
0.0 / 12
Discoverability
8.8 / 10
Regulatory · Banking & Open Finance
5.9 / 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
53
Column Thin agent ready Embedded Finance & BaaS
Column is a chartered nationally-regulated bank purpose-built for developer APIs. Offers ACH, wires, FedNow, checks, BIN sponsorship, and bank-direct ledgering.
Composite
33.5
Agent
53.8
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 33.5/100 · thin
Contract Quality
15.0 / 25
Developer Ergonomics
2.6 / 20
Commercial Clarity
5.8 / 20
Operational Transparency
2.7 / 13
Governance
0.0 / 12
Discoverability
8.8 / 10
Regulatory · Banking & Open Finance
3.9 / 15
Agent readiness — 54/100 · 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
6 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
54
Recurly Thin agent aware Billing & Subscriptions
Recurly is a subscription management and recurring billing platform that handles signups, plans, add-ons, coupons, dunning, invoicing, tax, revenue recogniti...
Composite
30.1
Agent
17.3
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 30.1/100 · thin
Contract Quality
9.4 / 25
Developer Ergonomics
6.1 / 20
Commercial Clarity
3.7 / 20
Operational Transparency
2.7 / 13
Governance
0.0 / 12
Discoverability
9.3 / 10
Regulatory · Payments
3.6 / 15
Agent readiness — 17/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract
0 / 15
MCP Server
0 / 12
Machine-Readable Auth
0 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
Emerging 9 15–29.9 More than an index entry but still mostly links rather than artifacts.
55
Payoneer Emerging human only Cross-Border & Money Movement
Payoneer is a global payment platform that enables businesses to pay and get paid across borders in multiple currencies. It offers REST APIs for mass payouts...
Composite
28.9
Agent
6.7
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 28.9/100 · emerging
Contract Quality
3.8 / 25
Developer Ergonomics
4.8 / 20
Commercial Clarity
5.8 / 20
Operational Transparency
5.5 / 13
Governance
0.0 / 12
Discoverability
10.0 / 10
Regulatory · Payments
3.6 / 15
Agent readiness — 7/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
MCP Server
0 / 12
Machine-Readable Auth
0 / 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
56
Zuora Emerging agent aware Billing & Subscriptions
Zuora provides a subscription management and billing platform with REST APIs for automating billing, managing subscriptions, processing payments, and extendi...
Composite
28.7
Agent
38.5
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 28.7/100 · emerging
Contract Quality
9.4 / 25
Developer Ergonomics
3.9 / 20
Commercial Clarity
7.9 / 20
Operational Transparency
4.8 / 13
Governance
0.0 / 12
Discoverability
5.5 / 10
Regulatory · Payments
2.0 / 15
Agent readiness — 39/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract
15 / 15
MCP Server
0 / 12
Machine-Readable Auth
0 / 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
57
Venmo Emerging human only Gateways & PSPs
Venmo is a US mobile payments service owned by PayPal that lets people send, receive, and split money with friends, pay approved businesses, and hold a balan...
Composite
27.7
Agent
0.0
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 27.7/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
5.7 / 20
Commercial Clarity
7.4 / 20
Operational Transparency
1.4 / 13
Governance
0.0 / 12
Discoverability
6.8 / 10
Regulatory · Payments
9.8 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
MCP Server
0 / 12
Machine-Readable Auth
0 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
58
Discover Emerging human only Card Networks
Discover is a financial services company that offers a range of products and services to help individuals manage their money. They provide credit cards, pers...
Composite
24.4
Agent
6.7
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 24.4/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
0.0 / 20
Commercial Clarity
12.1 / 20
Operational Transparency
4.8 / 13
Governance
0.0 / 12
Discoverability
7.5 / 10
Agent readiness — 7/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
MCP Server
0 / 12
Machine-Readable Auth
0 / 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
59
Remitly Emerging human only Cross-Border & Money Movement
Remitly is a Seattle-based digital financial services provider for immigrants and their families, operating a global cross-border remittance and money-moveme...
Composite
23.1
Agent
0.0
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 23.1/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
4.8 / 20
Commercial Clarity
5.8 / 20
Operational Transparency
0.7 / 13
Governance
0.0 / 12
Discoverability
6.8 / 10
Regulatory · Payments
7.8 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
MCP Server
0 / 12
Machine-Readable Auth
0 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
60
The Clearing House (RTP) Emerging human only Domestic Rails & Schemes
The Clearing House (TCH) is a U.S. banking association and payments company owned by many of the largest commercial banks. It operates three core payment sys...
Composite
19.5
Agent
0.0
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 19.5/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
3.5 / 20
Commercial Clarity
4.2 / 20
Operational Transparency
0.0 / 13
Governance
0.0 / 12
Discoverability
8.0 / 10
Regulatory · Payments
6.2 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
MCP Server
0 / 12
Machine-Readable Auth
0 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
61
Maxio Emerging human only Billing & Subscriptions
Maxio is a SaaS billing and financial operations platform formed from the merger of Chargify and SaaSOptics, providing subscription management, recurring bil...
Composite
17.7
Agent
0.0
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 17.7/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
3.0 / 20
Commercial Clarity
3.7 / 20
Operational Transparency
0.7 / 13
Governance
0.0 / 12
Discoverability
9.3 / 10
Regulatory · Payments
3.6 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
MCP Server
0 / 12
Machine-Readable Auth
0 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
62
Galileo Emerging human only Issuer-Processors
Galileo (galileo.io, formerly reached at galileohealth.com) is a value-based, digitally enabled healthcare delivery company founded by Tom X. Lee (previously...
Composite
16.1
Agent
3.8
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 16.1/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
0.0 / 20
Commercial Clarity
6.8 / 20
Operational Transparency
0.0 / 13
Governance
0.0 / 12
Discoverability
6.8 / 10
Regulatory · Health
4.6 / 15
Agent readiness — 4/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
MCP Server
0 / 12
Machine-Readable Auth
0 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
4 / 4
Consent & Bot Identity
0 / 3
63
Deluxe Corporation Emerging human only Acquirers & Processors
Deluxe Corporation is a major US corporation and Fortune 1000 company. The Deluxe Corporation API provides programmatic access to its platform services, data...
Composite
16.0
Agent
6.7
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 16.0/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
0.0 / 20
Commercial Clarity
5.8 / 20
Operational Transparency
2.7 / 13
Governance
0.0 / 12
Discoverability
8.0 / 10
Regulatory · Payments
2.0 / 15
Agent readiness — 7/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
MCP Server
0 / 12
Machine-Readable Auth
0 / 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
Minimal 5 0–14.9 Index entry only; little beyond a description and a link.
64
Billtrust Minimal human only Spend, AP & AR
Billtrust is an AI-powered accounts receivable and B2B payments technology company that helps businesses accelerate cash flow by automating the order-to-cash...
Composite
14.5
Agent
0.0
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 14.5/100 · minimal
Contract Quality
0.0 / 25
Developer Ergonomics
1.3 / 20
Commercial Clarity
5.8 / 20
Operational Transparency
0.7 / 13
Governance
0.0 / 12
Discoverability
6.8 / 10
Agent readiness — 0/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
MCP Server
0 / 12
Machine-Readable Auth
0 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
65
WePay Minimal human only Gateways & PSPs
WePay is a payments platform, founded in 2008 and backed by 500 Global and Y Combinator, that provided integrated payments (payment processing, merchant onbo...
Composite
7.7
Agent
0.0
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 7.7/100 · minimal
Contract Quality
0.0 / 25
Developer Ergonomics
0.0 / 20
Commercial Clarity
0.0 / 20
Operational Transparency
0.0 / 13
Governance
0.0 / 12
Discoverability
6.8 / 10
Regulatory · Payments
2.0 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
MCP Server
0 / 12
Machine-Readable Auth
0 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
66
Corpay Minimal human only Spend, AP & AR
Corpay (formerly FLEETCOR) is a corporate payments company that provides commercial cards, accounts payable automation, cross-border payment solutions, fuel ...
Composite
7.4
Agent
0.0
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 7.4/100 · minimal
Contract Quality
0.0 / 25
Developer Ergonomics
0.4 / 20
Commercial Clarity
0.0 / 20
Operational Transparency
0.0 / 13
Governance
0.0 / 12
Discoverability
6.0 / 10
Regulatory · Payments
2.0 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
MCP Server
0 / 12
Machine-Readable Auth
0 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
67
Ripple Minimal human only Crypto & Stablecoin Rails
Ripple is a company surfaced as a portfolio company of 500-global, lightspeed-venture-partners and added to the API Evangelist network as a stub for enrichme...
Composite
5.5
Agent
0.0
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 5.5/100 · minimal
Contract Quality
0.0 / 25
Developer Ergonomics
0.0 / 20
Commercial Clarity
0.0 / 20
Operational Transparency
0.0 / 13
Governance
0.0 / 12
Discoverability
5.5 / 10
Agent readiness — 0/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
MCP Server
0 / 12
Machine-Readable Auth
0 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
68
WEX Minimal human only Spend, AP & AR
Fortune 1000 company WEX. Public API documentation has not yet been catalogued in the API Evangelist network.
Composite
4.6
Agent
0.0
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 4.6/100 · minimal
Contract Quality
0.0 / 25
Developer Ergonomics
0.4 / 20
Commercial Clarity
0.0 / 20
Operational Transparency
0.7 / 13
Governance
0.0 / 12
Discoverability
3.5 / 10
Agent readiness — 0/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
MCP Server
0 / 12
Machine-Readable Auth
0 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3