aid: sila-money url: https://raw.githubusercontent.com/api-evangelist/sila-money/refs/heads/main/apis.yml name: Sila kind: company description: Sila is an embedded-finance / banking-as-a-service platform that exposes a money API for fintech developers. A single REST API covers identity verification (KYC/KYB), digital wallets, linked bank accounts, virtual accounts, debit-card payment methods, and money movement over the ACH network via an issue / transfer / redeem model. Every request is signed client-side with ECDSA (secp256k1) signatures over a Keccak-256 hash of the JSON message body, sent in "authsignature" and "usersignature" (and "businesssignature" for KYB) headers. As of the review date (2026-07-12) the sandbox and production hosts, the ReadMe-hosted docs, and multiple SDKs are live and actively maintained. image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg tags: - Embedded Finance - Banking as a Service - Payments - Digital Wallet - ACH - KYC - KYB - Money Transfer - Fintech - Banking API - Virtual Accounts created: '2026-07-12' modified: '2026-07-12' specificationVersion: '0.19' apis: - aid: sila-money:sila-money-identity-api name: Sila Identity & KYC/KYB API tags: - Identity - KYC - KYB - Onboarding image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg humanURL: https://docs.silamoney.com/docs/get-started baseURL: https://api.silamoney.com/0.2 properties: - url: https://docs.silamoney.com/docs/get-started type: Documentation - url: https://docs.silamoney.com/docs/register type: APIReference - url: openapi/sila-money-openapi.yml type: OpenAPI - url: collections/sila-money.postman_collection.json type: PostmanCollection - url: collections/sila-money.opencollection.json type: OpenCollection description: Reserve a handle (check_handle), register end users and businesses (register), and run identity verification with the classic KYC flow (request_kyc, check_kyc), the advanced KYC / KYB flow (kyc), registration-data management, and supporting-document upload (documents). Businesses use the businesssignature header for KYB operations. - aid: sila-money:sila-money-wallets-api name: Sila Wallets API tags: - Digital Wallet - Wallets - Keys image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg humanURL: https://docs.silamoney.com/docs/get_wallet baseURL: https://api.silamoney.com/0.2 properties: - url: https://docs.silamoney.com/docs/get_wallet type: Documentation - url: openapi/sila-money-openapi.yml type: OpenAPI - url: collections/sila-money.postman_collection.json type: PostmanCollection - url: collections/sila-money.opencollection.json type: OpenCollection description: Register and manage the ECDSA keypairs (blockchain-style addresses) that identify a user's digital wallets - register_wallet to add a signing keypair, get_wallet / get_wallets to list them, and update_wallet / delete_wallet to manage them. Wallet keypairs sign user-scoped requests. - aid: sila-money:sila-money-accounts-api name: Sila Bank Accounts API tags: - Bank Accounts - Linked Accounts - Plaid image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg humanURL: https://docs.silamoney.com/docs/link_account baseURL: https://api.silamoney.com/0.2 properties: - url: https://docs.silamoney.com/docs/link_account type: Documentation - url: https://docs.silamoney.com/docs/get_accounts type: APIReference - url: openapi/sila-money-openapi.yml type: OpenAPI - url: collections/sila-money.postman_collection.json type: PostmanCollection - url: collections/sila-money.opencollection.json type: OpenCollection description: Connect and manage external bank accounts as funding sources - link_account (directly or via a Plaid token), get_accounts, get_account_balance, and check_bank_account_capabilities to confirm an account can send / receive over ACH before money movement. - aid: sila-money:sila-money-payments-api name: Sila Payments & Transactions API tags: - Payments - ACH - Money Transfer - Transactions image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg humanURL: https://docs.silamoney.com/docs/issue_sila baseURL: https://api.silamoney.com/0.2 properties: - url: https://docs.silamoney.com/docs/issue_sila type: Documentation - url: https://docs.silamoney.com/docs/transfer_sila type: APIReference - url: openapi/sila-money-openapi.yml type: OpenAPI - url: collections/sila-money.postman_collection.json type: PostmanCollection - url: collections/sila-money.opencollection.json type: OpenCollection description: Move money using Sila's issue / transfer / redeem model. issue_sila debits a linked bank account over ACH and credits the user's wallet balance, transfer_sila moves that balance wallet-to-wallet, and redeem_sila credits a linked bank account over ACH. get_transactions returns transaction history and status, and cancel_transaction reverses eligible pending transactions. - aid: sila-money:sila-money-payment-methods-api name: Sila Payment Methods & Cards API tags: - Payment Methods - Cards - Debit Card image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg humanURL: https://docs.silamoney.com/docs/get_payment_methods baseURL: https://api.silamoney.com/0.2 properties: - url: https://docs.silamoney.com/docs/get_payment_methods type: Documentation - url: https://docs.silamoney.com/docs/link_card type: APIReference - url: openapi/sila-money-openapi.yml type: OpenAPI - url: collections/sila-money.postman_collection.json type: PostmanCollection - url: collections/sila-money.opencollection.json type: OpenCollection description: Enumerate and manage the payment instruments attached to an entity. get_payment_methods lists bank accounts, virtual accounts, and wallets in one call; link_card attaches a debit card as a payment instrument for supported card-based flows. - aid: sila-money:sila-money-virtual-accounts-api name: Sila Virtual Accounts API tags: - Virtual Accounts - Account Numbers - Real Time Payments image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg humanURL: https://www.silamoney.com/virtual-accounts baseURL: https://api.silamoney.com/0.2 properties: - url: https://www.silamoney.com/virtual-accounts type: Documentation - url: https://docs.silamoney.com/docs/get_payment_methods type: APIReference description: Sila's Virtual Accounts product issues each user a dedicated account and routing number, giving a program a real bank-account surface for receiving and settling funds. Virtual accounts appear as a payment-method type in the get_payment_methods response. The dedicated virtual-account management endpoint names are not published on the pages reviewed and are therefore not modeled in the OpenAPI; see review.yml. common: - type: AgenticAccess url: agentic-access/sila-money-agentic-access.yml - type: DomainSecurity url: security/sila-money-domain-security.yml - type: Authentication url: authentication/sila-money-authentication.yml - type: Website url: https://www.silamoney.com/ - type: Documentation url: https://docs.silamoney.com/docs/get-started - type: GitHubOrganization url: https://github.com/sila-Money - type: LinkedIn url: https://www.linkedin.com/company/silamoney - type: Plans url: plans/sila-money-plans-pricing.yml - type: RateLimits url: rate-limits/sila-money-rate-limits.yml - type: FinOps url: finops/sila-money-finops.yml maintainers: - FN: Kin Lane email: kin@apievangelist.com