aid: bud-co url: https://raw.githubusercontent.com/api-evangelist/bud-co/refs/heads/main/apis.yml name: Bud Financial description: >- Bud Financial (formerly Bud, thisisbud.com) is a UK-based fintech infrastructure company providing AI-driven Open Banking aggregation, transaction enrichment, categorization, affordability assessment, and payment initiation APIs. The Bud platform unifies Open Banking connections to UK and EU ASPSPs behind a single REST API and layers AI/ML-powered enrichment, categorization, merchant identification, affordability scoring, income/expenditure analysis, and actionable financial insights on top of raw transaction data. Banks, lenders, and consumer fintechs use Bud for KYC/AML checks, lending decisions, money management, and embedded payments. created: '2026-05-25' modified: '2026-05-25' tags: - Open Banking - Transaction Enrichment - Categorization - Affordability - Payments - AISP - PISP - Financial Data - FinTech - UK - AI - Machine Learning common: - url: https://bud.co type: WebSite - url: https://docs.thisisbud.com type: Documentation - url: https://console.thisisbud.com type: Console - url: https://support.thisisbud.com type: Support - url: https://www.linkedin.com/company/bud-financial/ type: LinkedIn - url: https://github.com/thisisbud/bud-public-developer-resources type: GitHub - url: https://docs.thisisbud.com/llms.txt type: LLMSTxT apis: - aid: bud-co:bud-connect-api name: Bud Connect API tags: - Open Banking - AISP - Account Aggregation - Consent humanURL: https://docs.thisisbud.com baseURL: https://api-sandbox.thisisbud.com properties: - url: https://docs.thisisbud.com type: Documentation - url: openapi/bud-platform-openapi.yml type: OpenAPI description: >- Open Banking aggregation API providing unified access to UK and EU ASPSP connections. Initiate consents through Bud's hosted Bud Connect gateway or build a native flow with the underlying authorisation, refresh, consent management, and reconfirmation endpoints. Bud handles the heterogeneity of ASPSP integrations behind a single set of asynchronous task-based endpoints, with webhook callbacks for connection, refresh, and consent events. - aid: bud-co:bud-ingestion-api name: Bud First-Party Ingestion API tags: - Ingestion - Transactions - Accounts humanURL: https://docs.thisisbud.com baseURL: https://api-sandbox.thisisbud.com properties: - url: https://docs.thisisbud.com type: Documentation - url: openapi/bud-platform-openapi.yml type: OpenAPI description: >- Push your own first-party account and transaction data into the Bud platform for enrichment, categorization, and insights without requiring an Open Banking consent. Supports synchronous and asynchronous ingestion, account open/close/reopen, and transaction book/decline lifecycle events. - aid: bud-co:bud-customers-platform-api name: Bud Customers Platform API tags: - Customers - Identity - Platform humanURL: https://docs.thisisbud.com baseURL: https://api-sandbox.thisisbud.com properties: - url: https://docs.thisisbud.com type: Documentation - url: openapi/bud-platform-openapi.yml type: OpenAPI description: >- Create, retrieve, batch-create, and manage end-user customer records on the Bud platform. Supports V1, V2, and V3 customer endpoints, idempotent identifiers, customer context configuration, and asynchronous task tracking. - aid: bud-co:bud-financial-data-api name: Bud Financial Data API tags: - Accounts - Transactions - Balances - Enrichment humanURL: https://docs.thisisbud.com baseURL: https://api-sandbox.thisisbud.com properties: - url: https://docs.thisisbud.com type: Documentation - url: openapi/bud-platform-openapi.yml type: OpenAPI - url: json-schema/bud-transaction-schema.json type: JSONSchema - url: json-schema/bud-account-schema.json type: JSONSchema - url: json-ld/bud-co-context.jsonld type: JSONLD description: >- Retrieve enriched accounts, transactions, balances, and authorised payments. Bud's AI/ML enrichment engine attaches category, merchant, geolocation, and recurrence metadata to every transaction. Financial V3 endpoints expose the latest enriched schema with transaction-date ranges and per-account balance history. - aid: bud-co:bud-enrichment-api name: Bud Enrichment API tags: - Enrichment - Categorization - Merchants - Aggregations humanURL: https://docs.thisisbud.com baseURL: https://api-sandbox.thisisbud.com properties: - url: https://docs.thisisbud.com type: Documentation - url: openapi/bud-platform-openapi.yml type: OpenAPI description: >- Access Bud's enrichment resources: category models, category and merchant taxonomies, aggregated category and merchant totals, essential-spending statistics, and correction endpoints for re-labelling categories and merchants on individual transactions. Custom buckets let you group categories or merchants into your own reporting groupings. - aid: bud-co:bud-financial-insights-api name: Bud Financial Insights API tags: - Insights - Analytics - Recurring Payments - Subscriptions - Income humanURL: https://docs.thisisbud.com baseURL: https://api-sandbox.thisisbud.com properties: - url: https://docs.thisisbud.com type: Documentation - url: openapi/bud-platform-openapi.yml type: OpenAPI description: >- Generate deep insights from transaction data: actionable balance, income, and spending insights; custom insight management; subscription and recurring-transaction detection; income finder; future-transaction forecasting; benefit transactions; loan and debt-collection identification; and the Insights Product Finder. - aid: bud-co:bud-search-api name: Bud Intelligent Search API tags: - Search - AI - Natural Language - Beta humanURL: https://docs.thisisbud.com baseURL: https://api-sandbox.thisisbud.com properties: - url: https://docs.thisisbud.com type: Documentation - url: openapi/bud-platform-openapi.yml type: OpenAPI description: >- Beta intelligent search across transactions with AI-generated insights. Submit a natural language query, retrieve matching transactions and a derived narrative insight referencing the matched set. - aid: bud-co:bud-affordability-api name: Bud Affordability and Assess API tags: - Affordability - Lending - Assess - Risk humanURL: https://docs.thisisbud.com baseURL: https://api-sandbox.thisisbud.com properties: - url: https://docs.thisisbud.com type: Documentation - url: openapi/bud-platform-openapi.yml type: OpenAPI description: >- Pre-fill affordability forms and power lending decisions with structured income and expenditure breakdowns. Generate affordability reports (V1 and V2), drill into affordability transactions, retrieve beta risk insights (income-expenditure, merchants, unauthorised overdraft, income-health), and manage Assess customer applications with linked customer references. - aid: bud-co:bud-characteristics-api name: Bud Customer Characteristics API tags: - Characteristics - Risk - Credit - Lending humanURL: https://docs.thisisbud.com baseURL: https://api-sandbox.thisisbud.com properties: - url: https://docs.thisisbud.com type: Documentation - url: openapi/bud-platform-openapi.yml type: OpenAPI description: >- Retrieve derived behavioural characteristics for a customer across credit card, loan, overdraft, and saver lenses. Designed to feed lending models and risk decisioning with explainable feature sets calculated from enriched transaction history. - aid: bud-co:bud-goals-api name: Bud Goals and Budgets API tags: - Budgets - Savings - Goals - Money Management humanURL: https://docs.thisisbud.com baseURL: https://api-sandbox.thisisbud.com properties: - url: https://docs.thisisbud.com type: Documentation - url: openapi/bud-platform-openapi.yml type: OpenAPI description: >- Manage savings goals (V2) and spending budgets (V1) for end customers. Create, retrieve, list, and delete goals, attach contributing transactions to a budget, and track progress against a target amount and time horizon. - aid: bud-co:bud-payments-api name: Bud Payments API tags: - Payments - PISP - Open Banking - Standing Orders humanURL: https://docs.thisisbud.com baseURL: https://api-sandbox.thisisbud.com properties: - url: https://docs.thisisbud.com type: Documentation - url: openapi/bud-platform-openapi.yml type: OpenAPI description: >- Initiate authorised single payments, scheduled payments, and standing orders directly from a customer's bank account using Bud's PISP service. Either redirect users to a Bud-hosted Bud Pay URL or drive the flow yourself with native authorisation-code, confirmation, and status endpoints. - aid: bud-co:bud-widgets-api name: Bud Embedded Widgets API tags: - Widgets - Embeddable - UI - Frontend humanURL: https://docs.thisisbud.com baseURL: https://api-sandbox.thisisbud.com properties: - url: https://docs.thisisbud.com type: Documentation - url: openapi/bud-platform-openapi.yml type: OpenAPI description: >- Request signed URLs for Bud's embeddable frontend widgets - accounts, balances over time, financial calendar, insight summary, intelligent search, recurring and forecasted transactions, savings goals, spending analysis, and spending budgets - drop them into your app without rebuilding the UI. maintainers: - FN: Kin Lane email: info@apievangelist.com