aid: if
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/if.png
name: IF
description: Integrated Finance (IF) is a modular fintech infrastructure platform — a "financial
  operating system" — that lets companies build banking, card, and payment experiences for their
  users without becoming a bank. Its orchestration layers (IF API interface, IF CORE workflow, IF
  CONNECT integration) sit on top of multiple banking, card-issuing, FX, and compliance providers
  and expose a single REST API covering clients and users, real / virtual / shared-pool accounts,
  incoming and outgoing bank transfers, currency exchanges, card issuing and processing (including
  3DS and PIN management), beneficiary verification, generic transactions, and open-banking
  consents. Authentication is OAuth 2.0 on Keycloak (JWT client assertion, client_credentials); the
  API supports idempotency on all POST endpoints, Ed25519-signed webhooks with automatic retry, and
  a full sandbox environment for testing.
url: https://raw.githubusercontent.com/api-evangelist/if/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- 500-global
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-19'
tags:
- Company
- Financial Services
- Embedded Finance
- Banking as a Service
- Payments
- Cards
- Foreign Exchange
- Compliance
- Open Banking
- API
apis:
- name: Integrated Finance API
  description: Single REST API for the Integrated Finance platform — clients, users, real / virtual /
    shared-pool accounts, bank transfers, currency exchanges, card issuing and processing,
    beneficiary verification, generic transactions, and open-banking consents. OAuth 2.0 (Keycloak,
    JWT assertion), idempotent POSTs, Ed25519-signed webhooks.
  humanURL: https://developer.integrated.finance/docs
  baseURL: https://api.integrated.finance
  tags:
  - Banking as a Service
  - Payments
  - Cards
  - Foreign Exchange
  - Open Banking
  properties:
  - type: Documentation
    url: https://developer.integrated.finance/docs
  - type: APIReference
    url: https://developer.integrated.finance/reference
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://integrated.finance
- type: DeveloperPortal
  url: https://developer.integrated.finance
- type: Documentation
  url: https://developer.integrated.finance/docs
- type: APIReference
  url: https://developer.integrated.finance/reference
- type: GettingStarted
  url: https://developer.integrated.finance/docs/getting-started
- type: Support
  url: https://integrated.finance/support
- type: Blog
  url: https://integrated.finance/insights
- type: GitHubOrganization
  url: https://github.com/integrated-finance
- type: StatusPage
  url: https://integratedfinance.statuspage.io
- type: Deprecation
  url: https://developer.integrated.finance/docs/changes-to-the-api
- type: PrivacyPolicy
  url: https://integrated.finance/privacy-policy
- type: TermsOfService
  url: https://integrated.finance/terms-and-conditions
- type: Compliance
  url: https://integrated.finance/security-policy
- type: LLMsTxt
  url: llms/if-llms.txt
- type: WellKnown
  url: well-known/if-well-known.yml
- type: Authentication
  url: authentication/if-authentication.yml
- type: OAuthScopes
  url: scopes/if-scopes.yml
- type: Conventions
  url: conventions/if-conventions.yml
- type: Idempotency
  url: conventions/if-conventions.yml
- type: ChangeLog
  url: changelog/if-changelog.yml
- type: Lifecycle
  url: lifecycle/if-lifecycle.yml
- type: Conformance
  url: conformance/if-conformance.yml
- type: Sandbox
  url: sandbox/if-sandbox.yml
- type: Webhooks
  url: asyncapi/if-webhooks.yml
- type: MCPServer
  url: mcp/if-mcp.yml
- type: DomainSecurity
  url: security/if-domain-security.yml
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence