aid: cfx-labs

name: CFX Labs

image: https://cfx.to/opengraph-image?02d7fabe23a86c5f

description: CFX Labs provides programmable U.S. banking APIs for global platforms, offering ACH, wire, RTP, cash deposits, virtual accounts,
  and on‑chain settlement. The fintech‑focused service aggregates deposits across 3,000+ FDIC‑insured banks, tokenizes balances 1:1, and delivers
  compliance, KYC, and risk controls via a single integration. Backed by multiple venture firms, CFX serves marketplaces, neobanks, card programs,
  exchanges, and lenders, handling over $1 B in payment volume in 2025 across 67 countries.

url: https://raw.githubusercontent.com/api-evangelist/cfx-labs/refs/heads/main/apis.yml

x-type: company

x-source: harvest:secondary-market

x-tier: profiled
x-tier-reason: enrichment pass 2026-10-08 (modular-v1; was harvest)

specificationVersion: '0.20'

created: '2026-10-07'

modified: '2026-10-07'

tags:
- fintech
- banking
- payments
- API
- programmable
- company

maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io

common:
- type: AgenticAccess
  url: agentic-access/cfx-labs-agentic-access.yml
- type: Spectral
  url: rules/cfx-labs-rules.yml
- type: Vocabulary
  url: vocabulary/cfx-labs-vocabulary.yml
- type: Webhooks
  url: asyncapi/cfx-labs-webhooks.yml
- type: Idempotency
  url: conventions/cfx-labs-conventions.yml
- type: Conventions
  url: conventions/cfx-labs-conventions.yml
- type: ErrorCatalog
  url: errors/cfx-labs-problem-types.yml
- type: Conformance
  url: conformance/cfx-labs-conformance.yml
- type: LLMsTxt
  url: llms/cfx-labs-llms.txt
- type: WellKnown
  url: well-known/cfx-labs-well-known.yml
- type: Hosts
  url: hosts/cfx-labs-hosts.yml
- type: Vendors
  url: vendors/cfx-labs-vendors.yml
- type: TrustCenter
  url: https://trust.cfx.to
- type: APIReference
  url: https://docs.cfx.to/reference
- type: Authentication
  url: authentication/cfx-labs-authentication.yml
- type: DomainSecurity
  url: security/cfx-labs-domain-security.yml
- type: Website
  url: https://cfx.to/
- type: Documentation
  url: https://docs.cfx.to/
- type: DeveloperPortal
  url: https://cfx.to/developers
- type: Company
  url: https://cfx.to/company
- type: TermsOfService
  url: https://cfx.to/legal/terms-and-conditions
- type: PrivacyPolicy
  url: https://cfx.to/legal/privacy-policy

apis:
- aid: cfx-labs:cfx-labs-cash-api
  name: CFX Labs Cash API
  description: The Cash API from CFX Labs — 8 operation(s) for cash.
  humanURL: https://docs.cfx.to
  baseURL: https://api.cfx.to
  tags:
  - Cash
  properties:
  - type: OpenAPI
    url: openapi/cfx-labs-cash-api-openapi.yml
- aid: cfx-labs:cfx-labs-deposit-api
  name: CFX Labs Deposit API
  description: Retrieve and manage deposits into the CFX network.
  humanURL: https://docs.cfx.to
  baseURL: https://api.cfx.to
  tags:
  - Deposit
  properties:
  - type: OpenAPI
    url: openapi/cfx-labs-deposit-api-openapi.yml
- aid: cfx-labs:cfx-labs-deposit-memos-api
  name: CFX Labs Deposit Memos API
  description: Memos that route inbound deposits to a ledger account.
  humanURL: https://docs.cfx.to
  baseURL: https://api.cfx.to
  tags:
  - Deposit Memos
  properties:
  - type: OpenAPI
    url: openapi/cfx-labs-deposit-memos-api-openapi.yml
- aid: cfx-labs:cfx-labs-escrow-transfers-api
  name: CFX Labs Escrow Transfers API
  description: Create, fund, claim, reject, and cancel escrow transfers across their lifecycle.
  humanURL: https://docs.cfx.to
  baseURL: https://api.cfx.to
  tags:
  - Escrow Transfers
  properties:
  - type: OpenAPI
    url: openapi/cfx-labs-escrow-transfers-api-openapi.yml
- aid: cfx-labs:cfx-labs-identity-api
  name: CFX Labs Identity API
  description: Register, retrieve, update, and verify identities.
  humanURL: https://docs.cfx.to
  baseURL: https://api.cfx.to
  tags:
  - Identity
  properties:
  - type: OpenAPI
    url: openapi/cfx-labs-identity-api-openapi.yml
- aid: cfx-labs:cfx-labs-identity-documents-api
  name: CFX Labs Identity Documents API
  description: Upload and manage KYC documents for an identity.
  humanURL: https://docs.cfx.to
  baseURL: https://api.cfx.to
  tags:
  - Identity Documents
  properties:
  - type: OpenAPI
    url: openapi/cfx-labs-identity-documents-api-openapi.yml
- aid: cfx-labs:cfx-labs-ledger-accounts-api
  name: CFX Labs Ledger Accounts API
  description: MoveUSD-denominated accounts owned by an identity.
  humanURL: https://docs.cfx.to
  baseURL: https://api.cfx.to
  tags:
  - Ledger Accounts
  properties:
  - type: OpenAPI
    url: openapi/cfx-labs-ledger-accounts-api-openapi.yml
- aid: cfx-labs:cfx-labs-payment-instruments-api
  name: CFX Labs Payment Instruments API
  description: Bank accounts and wallets an identity can send to or receive from.
  humanURL: https://docs.cfx.to
  baseURL: https://api.cfx.to
  tags:
  - Payment Instruments
  properties:
  - type: OpenAPI
    url: openapi/cfx-labs-payment-instruments-api-openapi.yml
- aid: cfx-labs:cfx-labs-products-api
  name: CFX Labs Products API
  description: Products available to an identity and their activation status.
  humanURL: https://docs.cfx.to
  baseURL: https://api.cfx.to
  tags:
  - Products
  properties:
  - type: OpenAPI
    url: openapi/cfx-labs-products-api-openapi.yml
- aid: cfx-labs:cfx-labs-transfer-requests-api
  name: CFX Labs Transfer Requests API
  description: >-
    Request-for-payment flow that precedes an escrow transfer (create, accept, reject, cancel).
  humanURL: https://docs.cfx.to
  baseURL: https://api.cfx.to
  tags:
  - Transfer Requests
  properties:
  - type: OpenAPI
    url: openapi/cfx-labs-transfer-requests-api-openapi.yml
- aid: cfx-labs:cfx-labs-us-bank-ach-api
  name: CFX Labs US Bank ACH API
  description: US bank ACH pull deposits.
  humanURL: https://docs.cfx.to
  baseURL: https://api.cfx.to
  tags:
  - US Bank ACH
  properties:
  - type: OpenAPI
    url: openapi/cfx-labs-us-bank-ach-api-openapi.yml
x-coverage:
  state: gated
  reason: partner-login
  method: derived
  generated: '2026-10-08'
  generator: derive-coverage.py (pre-flight evidence)
  detail: the company serves an API surface but requires credentials before any description of it can be read
  evidence:
  - url: https://docs.cfx.to/mcp
    status: 401
  - url: https://api.cfx.to/mcp
    status: 403
  - url: https://cfx.to/
    status: 200
  - url: https://www.nasdaqprivatemarket.com/
    status: 200
x-enrichment:
  date: '2026-10-08'
  status: enriched
  artifacts_added: 21
  pass: modular-v1
  engine: identity=local,contract=local,surfaces=local,docs=local,regulatory=local