aid: ai-bank
name: AI Bank
description: 'AI Bank (aiBank, 百信银行 / 中信百信银行股份有限公司 — CITIC aiBank Co., Ltd.) is a
  Beijing-based digital direct bank, launched in November 2017 as China''s first independent
  legal-person direct bank, a joint venture founded by China CITIC Bank and Baidu. It operates
  with no physical branches, serving retail customers — particularly younger consumers — and
  small and micro enterprises entirely through digital channels. Its own site describes the
  business lines as wealth management (财富管理), consumer finance (消费金融), industrial digital
  finance (产业数字金融), bills and notes (票据业务) and ecosystem finance (生态金融). The bank is
  positioned as an open-banking operator that embeds banking capability into partner platforms,
  but it publishes no public developer portal, API reference or machine-readable specification;
  its integration surface is reached through partner business agreements rather than public
  self-service onboarding.'
url: https://raw.githubusercontent.com/api-evangelist/ai-bank/refs/heads/main/apis.yml
x-type: company
x-source: harvest:secondary-market
x-tier: stub
x-tier-reason: harvest
specificationVersion: '0.23'
created: '2026-08-06'
modified: '2026-08-06'
tags:
- Company
- Banking
- Digital Banking
- Financial Services
- Consumer Finance
- SME Lending
- Wealth Management
- FinTech
- China
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://www.aibank.com/
- type: DomainSecurity
  url: security/ai-bank-domain-security.yml
- type: LLMsTxt
  url: llms/ai-bank-llms.txt
x-identity:
  legal_name: 中信百信银行股份有限公司
  legal_name_en: CITIC aiBank Co., Ltd.
  brand: 百信银行 / aiBank
  headquarters: Beijing, China
  founded: '2017-11'
  domains:
  - aibank.com
  - citicaibank.cn
  secondary_market_listing: https://www.hiive.com/securities/ai-bank-stock
  evidence:
  - url: https://www.aibank.com/
    http_status: 200
    note: 'page title 中信百信银行门户网站; meta description 中信百信银行是中信银行控股的数字普惠银行'
  - url: https://www.hiive.com/securities/ai-bank-stock
    http_status: 200
    note: secondary-market listing that seeded this profile; Series A November 2020
x-enrichment:
  date: '2026-08-06'
  status: minimal
  artifacts_added: 3
  pass: local-v1
x-coverage:
  state: gated
  reason: partner-login
  detail: >-
    AI Bank's open-banking host open.aibank.com resolves in DNS (119.253.84.40) but never
    completes a TCP connection from the public internet, and the corporate site at
    www.aibank.com carries no developer, 开放平台 or API section anywhere in its navigation —
    the bank's embedded-finance integrations are reached through partner business agreements,
    so no contract or reference is publicly readable.
  evidence:
  - url: https://www.aibank.com/
    status: 200
  - url: https://open.aibank.com/
    status: 0
  - url: https://www.aibank.com/.well-known/agent-card.json
    status: 200
  checked: '2026-08-06'