aid: finicity url: https://raw.githubusercontent.com/api-evangelist/finicity/refs/heads/main/apis.yml name: Finicity kind: company description: Finicity, LLC is a Utah-based financial-data aggregator and open-finance technology provider acquired by Mastercard in 2020 and now operating as Mastercard Open Banking (US) within Mastercard Open Finance. It is not a chartered bank but a consumer-permissioned data-access and decisioning platform (and an FCRA-regulated consumer reporting agency for its verification products), providing account and transaction aggregation, Verification of Assets, Income and Employment, transaction and cash-flow analysis, statements, and account validation for ACH payments. Finicity runs a first-party developer portal (developer.mastercard.com/open-banking-us, formerly developer.finicity.com and docs.finicity.com, both of which now redirect) over the live api.finicity.com host, is a founding participant in the Financial Data Exchange (FDX) with FDX-aligned data-sharing APIs, and positions its platform as an enabler of CFPB Section 1033 personal financial data rights. Public product documentation is openly reachable, but the full API reference and any machine-readable OpenAPI specification are partner-gated behind Mastercard Developers credentials. image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg tags: - Financial Services - Data Aggregation - Open Finance - Open Banking - FDX - United States - Payments - Financial Data created: '2026-07-23' modified: '2026-07-23' specificationVersion: '0.19' apis: - aid: finicity:finicity-aggregation-api name: Finicity Aggregation (Accounts & Transactions) API description: Consumer-permissioned account and transaction aggregation across banks, credit unions, cards, loans and investment accounts, delivering account details, balances and categorized transactions. humanURL: https://developer.mastercard.com/open-banking-us/documentation/ baseURL: https://api.finicity.com tags: - Aggregation - Accounts - Transactions properties: - type: Documentation url: https://developer.mastercard.com/open-banking-us/documentation/ - type: APIReference url: https://developer.mastercard.com/open-banking-us/documentation/api-reference/ - type: OpenAPI url: openapi/finicity-openbanking-us-openapi-original.yml - type: Webhooks url: asyncapi/finicity-webhooks.yml - aid: finicity:finicity-connect name: Finicity Connect description: Hosted, embeddable account-linking experience that lets a consumer authenticate to their financial institution and permission data sharing, returning the linked accounts to the partner application. humanURL: https://developer.mastercard.com/open-banking-us/documentation/connect/ baseURL: https://api.finicity.com tags: - Connect - Onboarding - Account Linking properties: - type: Documentation url: https://developer.mastercard.com/open-banking-us/documentation/connect/ - type: APIReference url: https://developer.mastercard.com/open-banking-us/documentation/api-reference/ - aid: finicity:finicity-verification-of-assets-api name: Finicity Verification of Assets (VoA) API description: Generates a consumer-permissioned Verification of Assets report from aggregated account and balance data for mortgage, lending and underwriting workflows, an FCRA-regulated consumer report product. humanURL: https://developer.mastercard.com/open-banking-us/documentation/ baseURL: https://api.finicity.com tags: - Verification - Assets - Lending properties: - type: Documentation url: https://developer.mastercard.com/open-banking-us/documentation/ - type: APIReference url: https://developer.mastercard.com/open-banking-us/documentation/api-reference/ - aid: finicity:finicity-verification-of-income-employment-api name: Finicity Verification of Income & Employment (VoIE) API description: Derives income streams and employment signals from permissioned transaction and payroll data to produce Verification of Income and Verification of Employment reports for lending decisions. humanURL: https://developer.mastercard.com/open-banking-us/documentation/ baseURL: https://api.finicity.com tags: - Verification - Income - Employment properties: - type: Documentation url: https://developer.mastercard.com/open-banking-us/documentation/ - type: APIReference url: https://developer.mastercard.com/open-banking-us/documentation/api-reference/ - aid: finicity:finicity-transaction-analysis-api name: Finicity Transaction Analysis (Cash Flow) API description: Analyzes permissioned transaction history to produce cash-flow, income and expense insights used for prequalification, credit decisioning and financial-health scoring. humanURL: https://developer.mastercard.com/open-banking-us/documentation/ baseURL: https://api.finicity.com tags: - Transactions - Cash Flow - Decisioning properties: - type: Documentation url: https://developer.mastercard.com/open-banking-us/documentation/ - type: APIReference url: https://developer.mastercard.com/open-banking-us/documentation/api-reference/ - aid: finicity:finicity-payments-account-validation-api name: Finicity Payments (Account Validation) API description: Validates account ownership and status for ACH and account-funding flows, returning account, routing and owner verification signals to reduce returned payments and fraud. humanURL: https://developer.mastercard.com/open-banking-us/documentation/ baseURL: https://api.finicity.com tags: - Payments - Account Validation - ACH properties: - type: Documentation url: https://developer.mastercard.com/open-banking-us/documentation/ - type: APIReference url: https://developer.mastercard.com/open-banking-us/documentation/api-reference/ - aid: finicity:finicity-open-banking-data-access name: Finicity Open Banking Data Access (FDX) description: FDX-aligned, consumer-permissioned open-banking data-access surface through which Finicity, as a founding Financial Data Exchange participant, shares financial data on behalf of connected institutions in support of CFPB Section 1033 data rights. humanURL: https://developer.mastercard.com/open-banking-us/documentation/ baseURL: https://api.finicity.com tags: - Open Banking - FDX - Data Access properties: - type: Documentation url: https://developer.mastercard.com/open-banking-us/documentation/ - type: APIReference url: https://developer.mastercard.com/open-banking-us/documentation/api-reference/ common: - type: Authentication url: authentication/finicity-authentication.yml - type: DomainSecurity url: security/finicity-domain-security.yml - type: Packages url: packages/finicity-packages.yml - type: SDKs url: packages/finicity-packages.yml - type: WellKnown url: well-known/finicity-well-known.yml - type: MCPServer url: mcp/finicity-mcp.yml - type: LLMsTxt url: llms/finicity-llms.txt - type: Overlay url: overlays/finicity-openbanking-us-overlay.yaml - type: Conformance url: conformance/finicity-conformance.yml - type: ErrorCatalog url: errors/finicity-problem-types.yml - type: Lifecycle url: lifecycle/finicity-lifecycle.yml - type: StatusPage url: https://developer.mastercard.com/open-banking-us/documentation/status/ - type: Deprecation url: lifecycle/finicity-lifecycle.yml - type: Conventions url: conventions/finicity-conventions.yml - type: ChangeLog url: changelog/finicity-changelog.yml - type: Components url: components/finicity-components.yml - type: DataModel url: data-model/finicity-data-model.yml - type: Sandbox url: sandbox/finicity-sandbox.yml - type: AgentSkill url: skills/_index.yml - type: Website url: https://www.finicity.com/ - type: DeveloperPortal url: https://developer.mastercard.com/open-banking-us/documentation/ - type: Documentation url: https://developer.mastercard.com/open-banking-us/documentation/ - type: APIReference url: https://developer.mastercard.com/open-banking-us/documentation/api-reference/ - type: GettingStarted url: https://developer.mastercard.com/open-banking-us/documentation/test-the-apis/ - type: Postman url: https://github.com/Mastercard/open-banking-us-postman - type: Support url: https://developer.mastercard.com/support/ - type: SignUp url: https://developer.mastercard.com/product/open-banking/ - type: GitHubOrganization url: https://github.com/Mastercard - type: LinkedIn url: https://www.linkedin.com/company/finicity/ maintainers: - FN: Kin Lane email: kin@apievangelist.com