aid: novo
url: https://raw.githubusercontent.com/api-evangelist/novo/refs/heads/main/apis.yml
name: Novo
kind: company
description: Novo is a New York- and Miami-based financial technology company, founded
  in 2016, that operates a digital business-banking platform for small businesses,
  entrepreneurs, and freelancers. Novo is not itself a chartered bank; it is a service
  provider to Middlesex Federal Savings, F.A. (Member FDIC), which holds the deposits
  and provides the underlying banking products accessed through Novo's app. The platform
  offers fee-free business checking, invoicing, Novo Reserves, expense management,
  a business debit/credit card, working-capital funding, and inbound integrations
  with tools like QuickBooks, Stripe, Shopify, and Wise. On open-finance posture,
  Novo publishes no first-party public developer API and runs no developer portal;
  consumer-permissioned account data (Auth, Balance, Identity, Transactions) is reached
  by third parties only through the Plaid aggregator. No documented FDX participation
  or CFPB Section 1033 data-access commitment is published as of this review.
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Financial Services
- Banking
- United States
- Neobank
- Small Business Banking
- Fintech
- Open Finance
- Data Aggregation
created: '2026-07-23'
modified: '2026-07-23'
enriched: '2026-07-23'
specificationVersion: '0.19'
apis: []
common:
- type: TrustCenter
  url: security/novo-trust-center.yml
- type: DomainSecurity
  url: security/novo-domain-security.yml
- type: Website
  url: https://novo.co
- type: Support
  url: https://novo.co/help
- type: PrivacyPolicy
  url: https://novo.co/legal/privacy
- type: TermsOfService
  url: https://novo.co/legal
- type: Blog
  url: https://novo.co/learn
- type: LinkedIn
  url: https://www.linkedin.com/company/banknovo
- type: Documentation
  url: https://plaid.com/institutions/novo/
- type: SignUp
  url: https://app.novo.co/signup
- type: GettingStarted
  url: https://www.novo.co/get-started
- type: Compliance
  url: https://trust.novo.co/
- type: LLMsTxt
  url: llms/novo-llms.txt
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com