aid: bond name: Bond kind: company description: >- Bond Financial Technologies is an enterprise-grade banking-as-a-service (BaaS) and embedded finance platform that lets software companies and fintechs embed financial products directly into their applications through a single REST API. The platform covers consumer and commercial deposit accounts, credit-builder and secured charge cards, debit and virtual card issuing and management, money movement (ACH and account-to-account transfers, external-account linking via Plaid), a transaction ledger, statements, identity verification (KYC, KYB, and beneficial-owner verification powered by Persona), webhook event subscriptions, and a full sandbox with simulation endpoints for authorizations, settlements, and KYC/KYB scenarios. Bond exposes API-key authenticated endpoints under api.bond.tech with pre-integrated bank partnerships. Bond was acquired by FIS in June 2023; its developer documentation remains live at docs.bond.tech. Surfaced originally as a portfolio company of Canaan Partners and enriched here from Bond's public developer documentation. url: https://raw.githubusercontent.com/api-evangelist/bond/refs/heads/main/apis.yml accessModel: pricing: unknown onboarding: sales-led trial: true try_now: false public: false label: Sales-led ยท Sandbox available confidence: medium source: - authentication - documentation generated: '2026-07-23' method: derived image: https://cdn.prod.website-files.com/5ede8b305ed324245dbaf418/60f9b479c42dd4be9f152c3e_Frame%2018.png x-source: vc-portfolio x-backed-by: - canaan-partners specificationVersion: '0.19' created: '2026-07-17' modified: '2026-07-23' tags: - Company - United States - Banking as a Service - Embedded Finance - Fintech - Payments - Card Issuing - Deposit Accounts - Money Movement - ACH - KYC - KYB - Credit - Open Finance apis: - aid: bond:bond-customers-kyc-api name: Bond Customers & KYC API description: >- Create, retrieve, update, and delete individual consumer customer resources for a brand and run Know-Your-Customer (KYC) identity verification against them. Endpoints start and retrieve KYC status, resume Persona inquiries with fresh session tokens, and manage customer addresses. This is the identity foundation every downstream account, card, and transfer flow builds on in Bond's United States banking-as-a-service platform. humanURL: https://docs.bond.tech/reference/get_customers baseURL: https://api.bond.tech/api/v0.1/ tags: - United States - Customers - Identity Verification - KYC - Onboarding - Banking as a Service properties: - type: APIReference url: https://docs.bond.tech/reference/get_customers - type: Documentation url: https://docs.bond.tech/docs/customer-onboarding - type: Authentication url: authentication/bond-authentication.yml - aid: bond:bond-businesses-kyb-api name: Bond Businesses & KYB API description: >- Manage commercial customer entities for embedded business banking โ€” create and update businesses, business addresses, and beneficial owners with their addresses, then run Know-Your-Business (KYB) and beneficial-owner KYC verification (v1 and v2 KYB, plus resume flows). Supports the full commercial onboarding and compliance path required to open business deposit and card accounts in the United States. humanURL: https://docs.bond.tech/reference/get_businesses baseURL: https://api.bond.tech/api/v0.1/ tags: - United States - Businesses - KYB - Beneficial Owners - Compliance - Commercial Banking properties: - type: APIReference url: https://docs.bond.tech/reference/get_businesses - type: Documentation url: https://docs.bond.tech/docs/business-onboarding-overview - aid: bond:bond-cards-api name: Bond Cards API description: >- Issue and manage physical, virtual, debit, secured charge, and credit-builder cards. Create cards and card accounts, retrieve and update card details, reissue and activate physical cards, close cards, and set and manage card restrictions such as maximum transaction amounts. A companion card-management web SDK handles PCI-scoped rendering of card numbers and PIN set/reset without the sensitive data touching your servers. humanURL: https://docs.bond.tech/reference/get_cards baseURL: https://api.bond.tech/api/v0.1/ tags: - United States - Cards - Card Issuing - Virtual Cards - PCI - Embedded Finance properties: - type: APIReference url: https://docs.bond.tech/reference/get_cards - type: Documentation url: https://docs.bond.tech/docs/manage-card - type: SDK url: https://docs.bond.tech/docs/web-sdk-documentation - aid: bond:bond-accounts-statements-api name: Bond Accounts & Statements API description: >- Open and manage consumer and commercial deposit accounts, credit accounts, and security-deposit accounts, with documented account types, account states, and account lifecycle management. Generate and retrieve deposit-account and credit-account statements for customers. These flows sit on top of Bond's pre-integrated partner-bank relationships and back the consumer and commercial banking products brands build in the United States. humanURL: https://docs.bond.tech/docs/account-overview baseURL: https://api.bond.tech/api/v0.1/ tags: - United States - Accounts - Deposit Accounts - Statements - Banking as a Service - Commercial Banking properties: - type: Documentation url: https://docs.bond.tech/docs/account-overview - type: Documentation url: https://docs.bond.tech/docs/statements-1 - aid: bond:bond-transfers-api name: Bond Transfers API description: >- Move money between accounts with ACH transfers and account-to-account fund transfers, and link and manage external bank accounts using Plaid before initiating transfers. Documents the ACH transfer model, funding of security-deposit accounts, external-account linking and removal, and the complete set of ACH return codes brands must handle in the United States payments environment. humanURL: https://docs.bond.tech/docs/account-transfers baseURL: https://api.bond.tech/api/v0.1/ tags: - United States - Transfers - Money Movement - ACH - Plaid - Payments properties: - type: Documentation url: https://docs.bond.tech/docs/account-transfers - type: Documentation url: https://docs.bond.tech/docs/ach-transfers - type: DeclineCodes url: errors/bond-ach-return-codes.yml - aid: bond:bond-ledger-transactions-api name: Bond Ledger (Transactions) API description: >- Retrieve all transactions available to a brand with pagination and optional filtering, and fetch details for a single transaction by id. Documents the transaction lifecycle and states, payment types, transaction types, response payload references, and MCC (merchant category) codes so brands can present accurate, real-time ledger and spend data to their United States banking customers. humanURL: https://docs.bond.tech/reference/get_transactions baseURL: https://api.bond.tech/api/v0.1/ tags: - United States - Transactions - Ledger - Payments - Reporting - Embedded Finance properties: - type: APIReference url: https://docs.bond.tech/reference/get_transactions - type: Documentation url: https://docs.bond.tech/docs/transactions-overview - aid: bond:bond-credit-api name: Bond Credit API description: >- Open and service credit accounts for credit-builder and secured charge card programs โ€” submit credit applications, surface credit-account data to customers, handle instant funding for credit-builder cards, and manage adverse-action notices required under United States fair-lending regulation. Documented as a distinct product area alongside Bond's deposit and card offerings within the embedded-finance platform. humanURL: https://docs.bond.tech/docs/opening-a-credit-account baseURL: https://api.bond.tech/api/v0.1/ tags: - United States - Credit - Credit Builder - Secured Cards - Lending - Compliance properties: - type: Documentation url: https://docs.bond.tech/docs/opening-a-credit-account - type: Documentation url: https://docs.bond.tech/docs/credit-builder-card-overview - aid: bond:bond-webhooks-api name: Bond Webhooks API description: >- Subscribe to and manage webhook event notifications so applications react in real time to KYC/KYB status changes, card events, transactions, and account activity. Create, retrieve, update, and delete webhook subscriptions, choose the events you receive, verify inbound request signatures, and test delivery in the sandbox. This is the event backbone for Bond's asynchronous banking workflows in the United States. humanURL: https://docs.bond.tech/reference/get_webhooks baseURL: https://api.bond.tech/api/v0.1/ tags: - United States - Webhooks - Events - Notifications - Real Time - Integration properties: - type: APIReference url: https://docs.bond.tech/reference/get_webhooks - type: Documentation url: https://docs.bond.tech/docs/webhook - type: Webhooks url: asyncapi/bond-webhooks.yml - aid: bond:bond-simulation-api name: Bond Simulation (Sandbox) API description: >- Sandbox-only endpoints for deterministically testing banking flows before going live โ€” simulate a card transaction authorization, simulate transaction settlement, and force KYC pass or fail outcomes, plus documented triggers for KYC and KYB scenarios such as document-request and rejection paths. Lets United States fintech developers exercise the full lifecycle without touching real money or real identity providers. humanURL: https://docs.bond.tech/reference/post_authorization baseURL: https://sandbox.bond.tech/api/v0.1/ tags: - United States - Sandbox - Simulation - Testing - Developer Experience - Banking as a Service properties: - type: APIReference url: https://docs.bond.tech/reference/post_authorization - type: Documentation url: https://docs.bond.tech/docs/sandbox-vs-production - type: Sandbox url: sandbox/bond-sandbox.yml common: - type: TrustCenter url: security/bond-trust-center.yml - type: Compliance url: https://www.bond.tech/security - type: Website url: https://www.bond.tech - type: DeveloperPortal url: https://portal.bond.tech - type: Login url: https://portal.bond.tech - type: Documentation url: https://docs.bond.tech/docs - type: APIReference url: https://docs.bond.tech/reference/intro - type: GettingStarted url: https://docs.bond.tech/docs/overview - type: GitHubOrganization url: https://github.com/bond-tech - type: LinkedIn url: https://www.linkedin.com/company/bondfintech - type: Blog url: https://www.bond.tech/blog - type: Support url: https://www.bond.tech/contact - type: TermsOfService url: https://bond.tech/terms - type: PrivacyPolicy url: https://bond.tech/privacy - type: Postman url: https://www.postman.com/bond-technologies/workspace/bond-api - type: LLMsTxt url: https://docs.bond.tech/llms.txt - type: DomainSecurity url: security/bond-domain-security.yml - type: Authentication url: authentication/bond-authentication.yml - type: ChangeLog url: changelog/bond-changelog.yml - type: ErrorCatalog url: errors/bond-error-codes.yml - type: DeclineCodes url: errors/bond-ach-return-codes.yml - type: Conventions url: conventions/bond-conventions.yml - type: Lifecycle url: lifecycle/bond-lifecycle.yml - type: Sandbox url: sandbox/bond-sandbox.yml - type: Webhooks url: asyncapi/bond-webhooks.yml - type: Components url: components/bond-components.yml - type: DataModel url: data-model/bond-data-model.yml - type: Conformance url: conformance/bond-conformance.yml maintainers: - FN: Kin Lane email: kin@apievangelist.com - FN: APIs.json email: info@apis.io x-enrichment: date: '2026-07-23' status: deepened pass: local-v2 note: >- Expanded from a single stub API entry to nine real documented API product families harvested from docs.bond.tech; verified live developer portal and API reference; no single downloadable OpenAPI (ReadMe HTML reference + public Postman workspace only).