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.
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63 providers · 3 standards and regulatory bodies listed separately below
Exemplar 6 66.5+ 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
79.7
Agent
45.7
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
Composite quality — 79.7/100 · exemplar
Contract Quality
18.3 / 25
Developer Ergonomics
18.9 / 20
Access Clarity
15.3 / 20
Operational Transparency
9.9 / 13
Contract Governance
4.0 / 12
Discoverability
4.8 / 10
Regulatory · Payments
14.1 / 15
Agent readiness — 46/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
6.0 / 6
MCP Server
12.0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency documented
4.5 / 9
Stable Error Semantics documented
4.0 / 8
Request/Response Examples documented
1.8 / 7
Rate-Limit Signaling documented
3.5 / 7
Typed Event Surface derived
1.5 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
5.0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
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
75.7
Agent
44.3
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
Composite quality — 75.7/100 · exemplar
Contract Quality
18.3 / 25
Developer Ergonomics
16.4 / 20
Access Clarity
13.7 / 20
Operational Transparency
7.9 / 13
Contract Governance
3.5 / 12
Discoverability
5.2 / 10
Regulatory · Payments
10.3 / 15
Agent readiness — 44/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
6.0 / 6
MCP Server documented
4.8 / 12
Machine-Readable Auth negotiable
7.5 / 10
Idempotency
9.0 / 9
Stable Error Semantics documented
4.0 / 8
Request/Response Examples documented
1.8 / 7
Rate-Limit Signaling documented
3.5 / 7
Typed Event Surface derived
1.5 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity documented
3.0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
3
Highnote Exemplar agent ready 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
71.8
Agent
32.9
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
Composite quality — 71.8/100 · exemplar
Contract Quality
16.8 / 25
Developer Ergonomics
14.9 / 20
Access Clarity
16.3 / 20
Operational Transparency
9.2 / 13
Contract Governance
2.2 / 12
Discoverability
7.6 / 10
Regulatory · Payments
10.3 / 15
Agent readiness — 33/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency documented
4.5 / 9
Stable Error Semantics documented
4.0 / 8
Request/Response Examples
7.0 / 7
Rate-Limit Signaling documented
3.5 / 7
Typed Event Surface derived
1.5 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
4
Plaid Exemplar agent ready 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
71.6
Agent
37.2
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
Composite quality — 71.6/100 · exemplar
Contract Quality
17.2 / 25
Developer Ergonomics
13.2 / 20
Access Clarity
13.9 / 20
Operational Transparency
7.5 / 13
Contract Governance
3.5 / 12
Discoverability
8.2 / 10
Regulatory · Banking & Open Finance
9.5 / 15
Agent readiness — 37/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
6.0 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency documented
4.5 / 9
Stable Error Semantics documented
4.0 / 8
Request/Response Examples
7.0 / 7
Rate-Limit Signaling documented
3.5 / 7
Typed Event Surface derived
1.5 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
5
Unit Exemplar agent ready Embedded Finance & BaaS
Unit is a Banking-as-a-Service (BaaS) platform that lets companies embed deposit accounts, cards, payments, and lending into their own products without becom...
Composite
69.1
Agent
32.8
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
Composite quality — 69.1/100 · exemplar
Contract Quality
14.3 / 25
Developer Ergonomics
14.6 / 20
Access Clarity
13.2 / 20
Operational Transparency
12.0 / 13
Contract Governance
2.2 / 12
Discoverability
5.7 / 10
Regulatory · Payments
12.7 / 15
Agent readiness — 33/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility documented
2.4 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency documented
4.5 / 9
Stable Error Semantics documented
4.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling documented
3.5 / 7
Typed Event Surface
6 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
6
Finix Exemplar 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
66.8
Agent
38.8
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
Composite quality — 66.8/100 · exemplar
Contract Quality
15.6 / 25
Developer Ergonomics
14.9 / 20
Access Clarity
10.8 / 20
Operational Transparency
9.6 / 13
Contract Governance
2.2 / 12
Discoverability
7.6 / 10
Regulatory · Payments
11.7 / 15
Agent readiness — 39/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility documented
2.4 / 6
MCP Server documented
4.8 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency documented
4.5 / 9
Stable Error Semantics documented
4.0 / 8
Request/Response Examples partial
3.5 / 7
Rate-Limit Signaling documented
3.5 / 7
Typed Event Surface
6 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
Strong 12 54.3 – 66.4 Solid contracts, transparent operations, and an easy start.
7
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
65.5
Agent
36.3
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
Composite quality — 65.5/100 · strong
Contract Quality
16.9 / 25
Developer Ergonomics
14.0 / 20
Access Clarity
15.8 / 20
Operational Transparency
8.9 / 13
Contract Governance
1.2 / 12
Discoverability
6.7 / 10
Regulatory ·
0.0 / 15
Agent readiness — 36/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility documented
2.4 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
9.0 / 9
Stable Error Semantics
8.0 / 8
Request/Response Examples partial
3.5 / 7
Rate-Limit Signaling documented
3.5 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
8
Socure Strong agent aware 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
63.0
Agent
20.9
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
Composite quality — 63.0/100 · strong
Contract Quality
17.7 / 25
Developer Ergonomics
12.6 / 20
Access Clarity
15.8 / 20
Operational Transparency
7.9 / 13
Contract Governance
3.5 / 12
Discoverability
6.3 / 10
Regulatory ·
0.0 / 15
Agent readiness — 21/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling documented
3.5 / 7
Typed Event Surface derived
1.5 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
9
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
61.7
Agent
47.6
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
Composite quality — 61.7/100 · strong
Contract Quality
13.8 / 25
Developer Ergonomics
15.1 / 20
Access Clarity
6.8 / 20
Operational Transparency
7.9 / 13
Contract Governance
0.5 / 12
Discoverability
7.6 / 10
Regulatory · Payments
10.5 / 15
Agent readiness — 48/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility documented
2.4 / 6
MCP Server
12.0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
9.0 / 9
Stable Error Semantics
8.0 / 8
Request/Response Examples partial
3.5 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
6 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
10
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
60.2
Agent
52.9
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
Composite quality — 60.2/100 · strong
Contract Quality
16.5 / 25
Developer Ergonomics
14.4 / 20
Access Clarity
12.1 / 20
Operational Transparency
6.5 / 13
Contract Governance
2.2 / 12
Discoverability
8.2 / 10
Regulatory · Banking & Open Finance
5.7 / 15
Agent readiness — 53/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
6.0 / 6
MCP Server documented
4.8 / 12
Machine-Readable Auth negotiable
7.5 / 10
Idempotency
9.0 / 9
Stable Error Semantics
8.0 / 8
Request/Response Examples
7.0 / 7
Rate-Limit Signaling documented
3.5 / 7
Typed Event Surface
6 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
11
Flywire Strong 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
60.1
Agent
25.2
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
Composite quality — 60.1/100 · strong
Contract Quality
10.4 / 25
Developer Ergonomics
14.3 / 20
Access Clarity
8.7 / 20
Operational Transparency
7.2 / 13
Contract Governance
2.2 / 12
Discoverability
8.2 / 10
Regulatory · Payments
14.1 / 15
Agent readiness — 25/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract
0 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
0 / 9
Stable Error Semantics documented
4.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling documented
3.5 / 7
Typed Event Surface
6 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
12
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
60.0
Agent
50.3
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
Composite quality — 60.0/100 · strong
Contract Quality
13.9 / 25
Developer Ergonomics
17.4 / 20
Access Clarity
10.8 / 20
Operational Transparency
6.5 / 13
Contract Governance
0.5 / 12
Discoverability
7.6 / 10
Regulatory · Payments
8.9 / 15
Agent readiness — 50/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility documented
2.4 / 6
MCP Server
12.0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
9.0 / 9
Stable Error Semantics
8.0 / 8
Request/Response Examples partial
3.5 / 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
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
13
Moov Strong agent aware 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
58.9
Agent
22.6
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
Composite quality — 58.9/100 · strong
Contract Quality
19.8 / 25
Developer Ergonomics
10.0 / 20
Access Clarity
10.3 / 20
Operational Transparency
6.8 / 13
Contract Governance
1.6 / 12
Discoverability
6.7 / 10
Regulatory · Banking & Open Finance
5.7 / 15
Agent readiness — 23/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility documented
2.4 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling documented
3.5 / 7
Typed Event Surface derived
1.5 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
14
Mastercard Strong agent native 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
58.2
Agent
38.8
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
Composite quality — 58.2/100 · strong
Contract Quality
16.0 / 25
Developer Ergonomics
16.2 / 20
Access Clarity
9.5 / 20
Operational Transparency
6.8 / 13
Contract Governance
1.6 / 12
Discoverability
5.7 / 10
Regulatory · Banking & Open Finance
5.5 / 15
Agent readiness — 39/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
6.0 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
9.0 / 9
Stable Error Semantics
8.0 / 8
Request/Response Examples partial
3.5 / 7
Rate-Limit Signaling documented
3.5 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
15
Alloy Strong agent ready Fraud, Risk & Identity
Alloy is a New York-based identity decisioning platform that helps banks, credit unions, and fintechs onboard, monitor, and protect customers across KYC, KYB...
Composite
57.6
Agent
29.5
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
Composite quality — 57.6/100 · strong
Contract Quality
13.3 / 25
Developer Ergonomics
14.8 / 20
Access Clarity
13.4 / 20
Operational Transparency
4.8 / 13
Contract Governance
1.2 / 12
Discoverability
7.6 / 10
Regulatory · Banking & Open Finance
8.0 / 15
Agent readiness — 30/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth negotiable
7.5 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples partial
3.5 / 7
Rate-Limit Signaling documented
3.5 / 7
Typed Event Surface
6 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
16
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
56.1
Agent
44.4
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
Composite quality — 56.1/100 · strong
Contract Quality
16.1 / 25
Developer Ergonomics
11.8 / 20
Access Clarity
8.4 / 20
Operational Transparency
6.3 / 13
Contract Governance
2.2 / 12
Discoverability
7.0 / 10
Regulatory · Payments
9.8 / 15
Agent readiness — 44/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility documented
2.4 / 6
MCP Server
12.0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency documented
4.5 / 9
Stable Error Semantics
8.0 / 8
Request/Response Examples partial
3.5 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
6 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
17
Lithic Strong agent aware Issuer-Processors
Lithic is a card issuing and issuer-processor API platform for building virtual and physical card programs - authorization, clearing, KYC/KYB account holder ...
Composite
55.4
Agent
25.0
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
Composite quality — 55.4/100 · strong
Contract Quality
15.4 / 25
Developer Ergonomics
6.7 / 20
Access Clarity
13.7 / 20
Operational Transparency
7.5 / 13
Contract Governance
1.2 / 12
Discoverability
7.0 / 10
Regulatory · Payments
7.3 / 15
Agent readiness — 25/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility documented
2.4 / 6
MCP Server documented
4.8 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling documented
3.5 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
18
Basis Theory Strong agent aware 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
55.2
Agent
19.8
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
Composite quality — 55.2/100 · strong
Contract Quality
14.2 / 25
Developer Ergonomics
7.9 / 20
Access Clarity
18.4 / 20
Operational Transparency
6.8 / 13
Contract Governance
0.0 / 12
Discoverability
7.6 / 10
Regulatory · Payments
5.9 / 15
Agent readiness — 20/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling documented
3.5 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
Developing 22 39.3 – 54.2 Real signal across most facets with visible, nameable gaps.
19
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
53.7
Agent
33.5
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
Composite quality — 53.7/100 · developing
Contract Quality
18.2 / 25
Developer Ergonomics
4.8 / 20
Access Clarity
8.4 / 20
Operational Transparency
6.5 / 13
Contract Governance
1.6 / 12
Discoverability
6.3 / 10
Regulatory · Payments
8.4 / 15
Agent readiness — 34/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
6.0 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
0 / 9
Stable Error Semantics
8.0 / 8
Request/Response Examples partial
3.5 / 7
Rate-Limit Signaling documented
3.5 / 7
Typed Event Surface derived
1.5 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
20
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
53.7
Agent
51.4
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
Composite quality — 53.7/100 · developing
Contract Quality
16.5 / 25
Developer Ergonomics
15.1 / 20
Access Clarity
0.8 / 20
Operational Transparency
6.5 / 13
Contract Governance
2.2 / 12
Discoverability
7.6 / 10
Regulatory · Payments
7.8 / 15
Agent readiness — 51/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility documented
2.4 / 6
MCP Server documented
4.8 / 12
Machine-Readable Auth served
9.0 / 10
Idempotency documented
4.5 / 9
Stable Error Semantics documented
4.0 / 8
Request/Response Examples
7.0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
6 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
6.0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
6 / 6
Agentic Commerce Well-Known Document
0 / 5
21
PayPal Developing 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
53.3
Agent
35.3
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
Composite quality — 53.3/100 · developing
Contract Quality
15.8 / 25
Developer Ergonomics
10.2 / 20
Access Clarity
11.1 / 20
Operational Transparency
3.4 / 13
Contract Governance
1.2 / 12
Discoverability
6.7 / 10
Regulatory · Payments
10.5 / 15
Agent readiness — 35/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
6.0 / 6
MCP Server
0 / 12
Machine-Readable Auth negotiable
7.5 / 10
Idempotency
0 / 9
Stable Error Semantics
8.0 / 8
Request/Response Examples partial
3.5 / 7
Rate-Limit Signaling documented
3.5 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
22
Ramp Developing 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
52.3
Agent
29.0
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
Composite quality — 52.3/100 · developing
Contract Quality
18.5 / 25
Developer Ergonomics
0.7 / 20
Access Clarity
13.7 / 20
Operational Transparency
2.4 / 13
Contract Governance
3.5 / 12
Discoverability
7.6 / 10
Regulatory · Payments
10.8 / 15
Agent readiness — 29/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
6 / 6
MCP Server
0 / 12
Machine-Readable Auth negotiable
7.5 / 10
Idempotency
9 / 9
Stable Error Semantics
0 / 8
Request/Response Examples documented
1.8 / 7
Rate-Limit Signaling documented
3.5 / 7
Typed Event Surface derived
1.5 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
4 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
23
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
52.0
Agent
41.5
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
Composite quality — 52.0/100 · developing
Contract Quality
13.1 / 25
Developer Ergonomics
11.8 / 20
Access Clarity
6.3 / 20
Operational Transparency
6.8 / 13
Contract Governance
2.2 / 12
Discoverability
7.6 / 10
Regulatory · Payments
9.7 / 15
Agent readiness — 42/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract
0 / 10
Documented Reversibility
0 / 6
MCP Server
12.0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency documented
4.5 / 9
Stable Error Semantics
8.0 / 8
Request/Response Examples
7.0 / 7
Rate-Limit Signaling documented
3.5 / 7
Typed Event Surface
0 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
24
Chargebee Developing agent aware Billing & Subscriptions
Chargebee is a subscription billing and revenue management platform that enables SaaS and subscription businesses to automate recurring billing, invoicing, p...
Composite
49.9
Agent
20.9
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
Composite quality — 49.9/100 · developing
Contract Quality
14.4 / 25
Developer Ergonomics
14.3 / 20
Access Clarity
7.6 / 20
Operational Transparency
5.5 / 13
Contract Governance
1.4 / 12
Discoverability
7.6 / 10
Regulatory · Payments
4.7 / 15
Agent readiness — 21/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling documented
3.5 / 7
Typed Event Surface derived
1.5 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
25
Bridge Developing agent ready 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
49.4
Agent
38.6
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
Composite quality — 49.4/100 · developing
Contract Quality
15.8 / 25
Developer Ergonomics
13.2 / 20
Access Clarity
5.5 / 20
Operational Transparency
4.1 / 13
Contract Governance
0.5 / 12
Discoverability
7.6 / 10
Regulatory · Payments
8.2 / 15
Agent readiness — 39/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility documented
2.4 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
9.0 / 9
Stable Error Semantics documented
4.0 / 8
Request/Response Examples
7.0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
6 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
26
ACI Worldwide Developing 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
49.3
Agent
26.1
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
Composite quality — 49.3/100 · developing
Contract Quality
10.4 / 25
Developer Ergonomics
14.3 / 20
Access Clarity
5.8 / 20
Operational Transparency
3.1 / 13
Contract Governance
2.2 / 12
Discoverability
8.2 / 10
Regulatory · Payments
10.3 / 15
Agent readiness — 26/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract
0 / 10
Documented Reversibility
0 / 6
MCP Server documented
4.8 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
0 / 9
Stable Error Semantics documented
4.0 / 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
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
27
Discover Developing agent ready Card Networks
Discover Financial Services is a US consumer bank and payments network - credit cards, personal loans, student loans, home equity loans, and online savings a...
Composite
48.7
Agent
37.8
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
Composite quality — 48.7/100 · developing
Contract Quality
10.4 / 25
Developer Ergonomics
12.4 / 20
Access Clarity
8.4 / 20
Operational Transparency
2.7 / 13
Contract Governance
2.2 / 12
Discoverability
6.5 / 10
Regulatory · Payments
11.0 / 15
Agent readiness — 38/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract
0 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth served
9.0 / 10
Idempotency
0 / 9
Stable Error Semantics documented
4.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling documented
3.5 / 7
Typed Event Surface
6 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
6.0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
6 / 6
Agentic Commerce Well-Known Document
0 / 5
28
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
48.4
Agent
49.7
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
Composite quality — 48.4/100 · developing
Contract Quality
15.6 / 25
Developer Ergonomics
13.2 / 20
Access Clarity
4.2 / 20
Operational Transparency
6.5 / 13
Contract Governance
0.5 / 12
Discoverability
5.7 / 10
Regulatory · Payments
8.2 / 15
Agent readiness — 50/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility documented
2.4 / 6
MCP Server
0 / 12
Machine-Readable Auth served
9.0 / 10
Idempotency
9.0 / 9
Stable Error Semantics
8.0 / 8
Request/Response Examples
7.0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
6 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
6.0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
29
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
45.8
Agent
32.0
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
Composite quality — 45.8/100 · developing
Contract Quality
14.1 / 25
Developer Ergonomics
5.5 / 20
Access Clarity
10.5 / 20
Operational Transparency
3.4 / 13
Contract Governance
1.2 / 12
Discoverability
6.7 / 10
Regulatory · Payments
7.3 / 15
Agent readiness — 32/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
9.0 / 9
Stable Error Semantics
8.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling documented
3.5 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
30
Worldpay Developing agent native Acquirers & Processors
Worldpay is a global payment processing platform (part of FIS) offering REST APIs for payment acceptance, transaction management, tokenization, recurring bil...
Composite
45.8
Agent
44.8
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
Composite quality — 45.8/100 · developing
Contract Quality
15.3 / 25
Developer Ergonomics
10.0 / 20
Access Clarity
10.5 / 20
Operational Transparency
2.7 / 13
Contract Governance
0.0 / 12
Discoverability
8.2 / 10
Regulatory · Payments
4.7 / 15
Agent readiness — 45/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
6.0 / 6
MCP Server documented
4.8 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
9.0 / 9
Stable Error Semantics
8.0 / 8
Request/Response Examples
7.0 / 7
Rate-Limit Signaling documented
3.5 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
31
Orum Developing agent ready 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
44.8
Agent
38.8
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
Composite quality — 44.8/100 · developing
Contract Quality
15.9 / 25
Developer Ergonomics
12.7 / 20
Access Clarity
1.6 / 20
Operational Transparency
4.4 / 13
Contract Governance
0.5 / 12
Discoverability
7.6 / 10
Regulatory · Banking & Open Finance
7.4 / 15
Agent readiness — 39/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility documented
2.4 / 6
MCP Server documented
4.8 / 12
Machine-Readable Auth negotiable
7.5 / 10
Idempotency
0 / 9
Stable Error Semantics
8.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling documented
3.5 / 7
Typed Event Surface
6 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
32
Block Developing 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
44.3
Agent
41.2
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
Composite quality — 44.3/100 · developing
Contract Quality
4.9 / 25
Developer Ergonomics
11.2 / 20
Access Clarity
6.6 / 20
Operational Transparency
6.5 / 13
Contract Governance
3.5 / 12
Discoverability
7.2 / 10
Regulatory · Payments
7.3 / 15
Agent readiness — 41/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
0 / 6
MCP Server documented
4.8 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
9.0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
7.0 / 7
Rate-Limit Signaling documented
3.5 / 7
Typed Event Surface
6 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity documented
3.0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
33
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
42.0
Agent
29.6
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
Composite quality — 42.0/100 · developing
Contract Quality
15.3 / 25
Developer Ergonomics
9.5 / 20
Access Clarity
5.3 / 20
Operational Transparency
3.4 / 13
Contract Governance
1.6 / 12
Discoverability
7.6 / 10
Regulatory · Payments
4.9 / 15
Agent readiness — 30/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility documented
2.4 / 6
MCP Server documented
4.8 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling documented
3.5 / 7
Typed Event Surface derived
1.5 / 6
Agent Skills
5 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
34
BILL Developing agent aware 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
41.3
Agent
20.1
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
Composite quality — 41.3/100 · developing
Contract Quality
14.1 / 25
Developer Ergonomics
9.3 / 20
Access Clarity
8.9 / 20
Operational Transparency
1.5 / 13
Contract Governance
1.6 / 12
Discoverability
6.7 / 10
Regulatory · Payments
4.7 / 15
Agent readiness — 20/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility documented
2.4 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface derived
1.5 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
35
Melio Developing 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
41.3
Agent
18.0
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
Composite quality — 41.3/100 · developing
Contract Quality
9.3 / 25
Developer Ergonomics
5.0 / 20
Access Clarity
14.2 / 20
Operational Transparency
2.7 / 13
Contract Governance
0.0 / 12
Discoverability
7.6 / 10
Regulatory · Payments
7.3 / 15
Agent readiness — 18/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract
0 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling documented
3.5 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
36
Visa Developing 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
40.9
Agent
46.4
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
Composite quality — 40.9/100 · developing
Contract Quality
15.9 / 25
Developer Ergonomics
9.5 / 20
Access Clarity
4.7 / 20
Operational Transparency
1.0 / 13
Contract Governance
3.5 / 12
Discoverability
5.9 / 10
Regulatory · Payments
5.9 / 15
Agent readiness — 46/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
6.0 / 6
MCP Server
0 / 12
Machine-Readable Auth
10.0 / 10
Idempotency
0 / 9
Stable Error Semantics
8.0 / 8
Request/Response Examples
7.0 / 7
Rate-Limit Signaling
7.0 / 7
Typed Event Surface
6 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
37
Increase Developing 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
40.3
Agent
33.5
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
Composite quality — 40.3/100 · developing
Contract Quality
13.2 / 25
Developer Ergonomics
7.6 / 20
Access Clarity
8.4 / 20
Operational Transparency
4.4 / 13
Contract Governance
0.0 / 12
Discoverability
6.1 / 10
Regulatory · Banking & Open Finance
5.9 / 15
Agent readiness — 34/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
6.0 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
7.0 / 7
Rate-Limit Signaling documented
3.5 / 7
Typed Event Surface
6 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
38
Tipalti Developing 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
40.3
Agent
18.0
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
Composite quality — 40.3/100 · developing
Contract Quality
12.2 / 25
Developer Ergonomics
3.3 / 20
Access Clarity
12.1 / 20
Operational Transparency
4.4 / 13
Contract Governance
0.0 / 12
Discoverability
8.2 / 10
Regulatory · Payments
4.9 / 15
Agent readiness — 18/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract
0 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling documented
3.5 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
39
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
40.0
Agent
35.9
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
Composite quality — 40.0/100 · developing
Contract Quality
5.4 / 25
Developer Ergonomics
10.0 / 20
Access Clarity
8.9 / 20
Operational Transparency
2.4 / 13
Contract Governance
3.5 / 12
Discoverability
7.2 / 10
Regulatory · Payments
8.2 / 15
Agent readiness — 36/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility documented
2.4 / 6
MCP Server
0 / 12
Machine-Readable Auth negotiable
7.5 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
7.0 / 7
Rate-Limit Signaling documented
3.5 / 7
Typed Event Surface
6 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity documented
3.0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
40
Fiserv Developing agent aware 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
39.8
Agent
28.3
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
Composite quality — 39.8/100 · developing
Contract Quality
16.9 / 25
Developer Ergonomics
2.9 / 20
Access Clarity
9.5 / 20
Operational Transparency
1.0 / 13
Contract Governance
1.6 / 12
Discoverability
6.3 / 10
Regulatory · Banking & Open Finance
4.7 / 15
Agent readiness — 28/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility documented
2.4 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
0 / 9
Stable Error Semantics
8.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling documented
3.5 / 7
Typed Event Surface derived
1.5 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
Thin 12 26.2 – 39.2 Limited machine-readable signal beyond documentation a human can read.
41
Euronet Worldwide Thin agent ready 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
39.0
Agent
31.5
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
Composite quality — 39.0/100 · thin
Contract Quality
11.6 / 25
Developer Ergonomics
9.2 / 20
Access Clarity
8.9 / 20
Operational Transparency
2.1 / 13
Contract Governance
0.5 / 12
Discoverability
6.5 / 10
Regulatory · Payments
5.9 / 15
Agent readiness — 32/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
0 / 9
Stable Error Semantics
8.0 / 8
Request/Response Examples partial
3.5 / 7
Rate-Limit Signaling
7.0 / 7
Typed Event Surface
0 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
43
Paymentus Thin human only 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
38.3
Agent
2.5
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
Composite quality — 38.3/100 · thin
Contract Quality
0.0 / 25
Developer Ergonomics
12.4 / 20
Access Clarity
7.4 / 20
Operational Transparency
2.4 / 13
Contract Governance
2.2 / 12
Discoverability
7.6 / 10
Regulatory · Payments
11.3 / 15
Agent readiness — 3/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 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
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
45
Column Thin agent aware 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
37.9
Agent
25.8
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
Composite quality — 37.9/100 · thin
Contract Quality
14.6 / 25
Developer Ergonomics
10.0 / 20
Access Clarity
3.9 / 20
Operational Transparency
5.8 / 13
Contract Governance
0.0 / 12
Discoverability
6.7 / 10
Regulatory · Banking & Open Finance
2.3 / 15
Agent readiness — 26/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility documented
2.4 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling documented
3.5 / 7
Typed Event Surface
6 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
46
Affirm Thin agent aware 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
37.3
Agent
27.6
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
Composite quality — 37.3/100 · thin
Contract Quality
19.4 / 25
Developer Ergonomics
4.3 / 20
Access Clarity
4.2 / 20
Operational Transparency
1.0 / 13
Contract Governance
1.6 / 12
Discoverability
7.2 / 10
Regulatory · Payments
5.2 / 15
Agent readiness — 28/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility documented
2.4 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
7.0 / 7
Rate-Limit Signaling documented
3.5 / 7
Typed Event Surface derived
1.5 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
47
Payoneer Thin agent aware 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
37.1
Agent
15.5
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
Composite quality — 37.1/100 · thin
Contract Quality
11.4 / 25
Developer Ergonomics
3.8 / 20
Access Clarity
10.0 / 20
Operational Transparency
5.1 / 13
Contract Governance
0.0 / 12
Discoverability
8.2 / 10
Regulatory · Payments
3.5 / 15
Agent readiness — 16/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract
0 / 10
Documented Reversibility
0 / 6
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 documented
3.5 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
48
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
37.0
Agent
19.8
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
Composite quality — 37.0/100 · thin
Contract Quality
6.5 / 25
Developer Ergonomics
9.0 / 20
Access Clarity
10.5 / 20
Operational Transparency
2.4 / 13
Contract Governance
0.0 / 12
Discoverability
7.6 / 10
Regulatory · Payments
5.9 / 15
Agent readiness — 20/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract
0 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 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
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
49
Braintree Thin agent aware 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
36.7
Agent
28.0
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
Composite quality — 36.7/100 · thin
Contract Quality
17.5 / 25
Developer Ergonomics
5.7 / 20
Access Clarity
4.7 / 20
Operational Transparency
3.4 / 13
Contract Governance
1.6 / 12
Discoverability
4.4 / 10
Regulatory ·
0.0 / 15
Agent readiness — 28/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility documented
2.4 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
0 / 9
Stable Error Semantics documented
4.0 / 8
Request/Response Examples partial
3.5 / 7
Rate-Limit Signaling documented
3.5 / 7
Typed Event Surface derived
1.5 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
50
Zuora Thin agent native Billing & Subscriptions
Zuora provides a subscription management and billing platform with REST APIs for automating billing, managing subscriptions, processing payments, and extendi...
Composite
36.1
Agent
43.9
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
Composite quality — 36.1/100 · thin
Contract Quality
13.5 / 25
Developer Ergonomics
9.5 / 20
Access Clarity
3.2 / 20
Operational Transparency
3.4 / 13
Contract Governance
0.0 / 12
Discoverability
4.3 / 10
Regulatory · Payments
2.8 / 15
Agent readiness — 44/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
6.0 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
9.0 / 9
Stable Error Semantics
8.0 / 8
Request/Response Examples
7.0 / 7
Rate-Limit Signaling
7.0 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
51
FIS Global Thin 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
31.9
Agent
30.1
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
Composite quality — 31.9/100 · thin
Contract Quality
15.3 / 25
Developer Ergonomics
4.3 / 20
Access Clarity
3.2 / 20
Operational Transparency
1.0 / 13
Contract Governance
1.2 / 12
Discoverability
5.9 / 10
Regulatory · Banking & Open Finance
6.5 / 15
Agent readiness — 30/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility documented
2.4 / 6
MCP Server
0 / 12
Machine-Readable Auth negotiable
7.5 / 10
Idempotency
0 / 9
Stable Error Semantics
8.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling documented
3.5 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
52
Venmo Thin 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
31.1
Agent
4.3
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
Composite quality — 31.1/100 · thin
Contract Quality
0.0 / 25
Developer Ergonomics
7.6 / 20
Access Clarity
10.0 / 20
Operational Transparency
3.4 / 13
Contract Governance
2.2 / 12
Discoverability
5.7 / 10
Regulatory · Payments
7.0 / 15
Agent readiness — 4/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 10
Documented Reversibility
0 / 6
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
6 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
53
NCR Thin agent aware 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
30.2
Agent
24.8
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
Composite quality — 30.2/100 · thin
Contract Quality
2.8 / 25
Developer Ergonomics
6.9 / 20
Access Clarity
5.8 / 20
Operational Transparency
3.1 / 13
Contract Governance
3.5 / 12
Discoverability
8.2 / 10
Regulatory · Banking & Open Finance
3.2 / 15
Agent readiness — 25/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
7.0 / 7
Rate-Limit Signaling documented
3.5 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
54
Global Payments Thin agent aware Acquirers & Processors
Global Payments is a leading worldwide provider of payment technology and software solutions delivering innovative services to customers globally. The compan...
Composite
28.5
Agent
22.7
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
Composite quality — 28.5/100 · thin
Contract Quality
12.4 / 25
Developer Ergonomics
5.2 / 20
Access Clarity
2.6 / 20
Operational Transparency
1.0 / 13
Contract Governance
0.0 / 12
Discoverability
7.6 / 10
Regulatory · Payments
5.2 / 15
Agent readiness — 23/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth negotiable
7.5 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling documented
3.5 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
Emerging 7 11 – 26.1 More than an index entry but still mostly links rather than artifacts.
55
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
25.1
Agent
2.5
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
Composite quality — 25.1/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
5.2 / 20
Access Clarity
8.4 / 20
Operational Transparency
3.8 / 13
Contract Governance
0.0 / 12
Discoverability
7.6 / 10
Regulatory · Payments
4.9 / 15
Agent readiness — 3/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 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
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
56
Deluxe Corporation Emerging agent ready Acquirers & Processors
Deluxe Corporation (NYSE: DLX) is a US payments and data company that has moved from its origin as a check printer into merchant services, treasury managemen...
Composite
24.5
Agent
32.8
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
Composite quality — 24.5/100 · emerging
Contract Quality
5.7 / 25
Developer Ergonomics
6.8 / 20
Access Clarity
3.7 / 20
Operational Transparency
1.0 / 13
Contract Governance
0.5 / 12
Discoverability
7.4 / 10
Regulatory · Payments
4.9 / 15
Agent readiness — 33/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract
0 / 10
Documented Reversibility documented
2.4 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
0 / 9
Stable Error Semantics documented
4.0 / 8
Request/Response Examples
7.0 / 7
Rate-Limit Signaling documented
3.5 / 7
Typed Event Surface
6 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
57
Galileo Financial Technologies Emerging agent aware Issuer-Processors
Galileo Financial Technologies (a SoFi company) is a card-issuing and banking platform powering many fintechs. Provides Program API (accounts, cards), Config...
Composite
23.3
Agent
21.5
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
Composite quality — 23.3/100 · emerging
Contract Quality
11.8 / 25
Developer Ergonomics
3.3 / 20
Access Clarity
2.6 / 20
Operational Transparency
0.7 / 13
Contract Governance
0.0 / 12
Discoverability
7.6 / 10
Regulatory · Payments
2.8 / 15
Agent readiness — 22/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility documented
2.4 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling documented
3.5 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
58
American Express Emerging human only 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
21.1
Agent
5.0
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
Composite quality — 21.1/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
2.9 / 20
Access Clarity
7.4 / 20
Operational Transparency
1.0 / 13
Contract Governance
2.2 / 12
Discoverability
7.2 / 10
Regulatory · Banking & Open Finance
5.1 / 15
Agent readiness — 5/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling documented
3.5 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
59
Billtrust Emerging 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
19.4
Agent
0.0
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
Composite quality — 19.4/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
1.4 / 20
Access Clarity
7.1 / 20
Operational Transparency
0.3 / 13
Contract Governance
2.2 / 12
Discoverability
5.7 / 10
Regulatory · Payments
7.5 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 10
Documented Reversibility
0 / 6
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
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
60
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
18.1
Agent
0.0
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
Composite quality — 18.1/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
3.3 / 20
Access Clarity
5.8 / 20
Operational Transparency
0.3 / 13
Contract Governance
2.2 / 12
Discoverability
5.7 / 10
Regulatory · Payments
5.6 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 10
Documented Reversibility
0 / 6
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
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
61
Brex Emerging agent aware 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
16.8
Agent
20.9
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
Composite quality — 16.8/100 · emerging
Contract Quality
4.0 / 25
Developer Ergonomics
2.4 / 20
Access Clarity
3.2 / 20
Operational Transparency
1.4 / 13
Contract Governance
1.4 / 12
Discoverability
7.2 / 10
Regulatory · Payments
2.8 / 15
Agent readiness — 21/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling documented
3.5 / 7
Typed Event Surface derived
1.5 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
Minimal 4 0 – 10.9 Index entry only; little beyond a description and a link.
63
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
8.9
Agent
0.0
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
Composite quality — 8.9/100 · minimal
Contract Quality
0.0 / 25
Developer Ergonomics
0.5 / 20
Access Clarity
5.5 / 20
Operational Transparency
0.3 / 13
Contract Governance
0.0 / 12
Discoverability
2.6 / 10
Regulatory ·
0.0 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 10
Documented Reversibility
0 / 6
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
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
64
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
6.2
Agent
0.0
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
Composite quality — 6.2/100 · minimal
Contract Quality
0.0 / 25
Developer Ergonomics
0.5 / 20
Access Clarity
3.4 / 20
Operational Transparency
0.0 / 13
Contract Governance
0.0 / 12
Discoverability
4.8 / 10
Regulatory · Payments
2.3 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 10
Documented Reversibility
0 / 6
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
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
65
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
4.1
Agent
0.0
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
Composite quality — 4.1/100 · minimal
Contract Quality
0.0 / 25
Developer Ergonomics
0.0 / 20
Access Clarity
0.0 / 20
Operational Transparency
0.0 / 13
Contract Governance
0.0 / 12
Discoverability
4.1 / 10
Agent readiness — 0/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 10
Documented Reversibility
0 / 6
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
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
66
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
1.5
Agent
0.0
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
Composite quality — 1.5/100 · minimal
Contract Quality
0.0 / 25
Developer Ergonomics
0.0 / 20
Access Clarity
0.0 / 20
Operational Transparency
0.0 / 13
Contract Governance
0.0 / 12
Discoverability
5.0 / 10
Regulatory · Payments
1.4 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 10
Documented Reversibility
0 / 6
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
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
Domestic Rails & Schemes 3 The national payment rails and the bodies that write their rules — you join them as a participant, you do not call them as an API.
42
Nacha Thin agent aware 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
38.3
Agent
26.4
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
Composite quality — 38.3/100 · thin
Contract Quality
12.6 / 25
Developer Ergonomics
10.8 / 20
Access Clarity
5.5 / 20
Operational Transparency
0.0 / 13
Contract Governance
0.5 / 12
Discoverability
7.6 / 10
Regulatory · Payments
6.8 / 15
Agent readiness — 26/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
0 / 9
Stable Error Semantics
8.0 / 8
Request/Response Examples partial
3.5 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
44
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
38.2
Agent
2.5
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
Composite quality — 38.2/100 · thin
Contract Quality
0.0 / 25
Developer Ergonomics
12.9 / 20
Access Clarity
8.9 / 20
Operational Transparency
4.1 / 13
Contract Governance
2.2 / 12
Discoverability
7.2 / 10
Regulatory · Payments
7.7 / 15
Agent readiness — 3/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 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
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
62
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
12.9
Agent
0.0
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
Composite quality — 12.9/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
3.3 / 20
Access Clarity
2.1 / 20
Operational Transparency
0.0 / 13
Contract Governance
2.2 / 12
Discoverability
6.7 / 10
Regulatory · Payments
3.5 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 10
Documented Reversibility
0 / 6
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
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5