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Full detail: Where this data comes from
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/Employment, transaction and cash-flow analysis, statements, and account validation for ACH payments. Finicity is a founding participant in the Financial Data Exchange (FDX), ships FDX-aligned data-sharing APIs, and positions its platform as an enabler of CFPB Section 1033 personal financial data rights.
APIs.json: https://raw.githubusercontent.com/api-evangelist/finicity/refs/heads/main/apis.yml
- First-party developer portal (confirmed live): https://developer.mastercard.com/open-banking-us/documentation/ — HTTP 200. The legacy Finicity developer surfaces
developer.finicity.comanddocs.finicity.comboth now redirect here. - API host (confirmed live):
https://api.finicity.com— HTTP 401 (auth-gated; real production host). - Authentication: Finicity partner authentication — an application
Finicity-App-Keyplus Partner ID and Partner Secret are exchanged for aFinicity-App-Token, with consumer permissioning captured through Finicity Connect. - OpenAPI / spec provenance: No machine-readable OpenAPI/Swagger specification is publicly downloadable. The documentation landing page is public, but the full API reference and any specification are partner-gated behind Mastercard Developers credentials. No spec was harvested.
- FDX: Founding participant in the Financial Data Exchange; data sharing is FDX-aligned.
- CFPB Section 1033: Positioned publicly as an enabler of consumer financial data rights / 1033 open-banking access.
- Aggregator tier: Finicity is itself an aggregator — for most connected institutions it is the data-access seam, alongside Plaid, MX, Akoya and others.
- Financial Services
- Data Aggregation
- Open Finance
- Open Banking
- FDX
- United States
- Payments
- Financial Data
- Created: 2026-07-23
- Modified: 2026-07-23
Consumer-permissioned account and transaction aggregation across banks, credit unions, cards, loans and investment accounts, delivering account details, balances and categorized transactions.
- Human URL: https://developer.mastercard.com/open-banking-us/documentation/
- Base URL:
https://api.finicity.com
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.
- Human URL: https://developer.mastercard.com/open-banking-us/documentation/connect/
- Base URL:
https://api.finicity.com
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.
- Human URL: https://developer.mastercard.com/open-banking-us/documentation/
- Base URL:
https://api.finicity.com
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.
- Human URL: https://developer.mastercard.com/open-banking-us/documentation/
- Base URL:
https://api.finicity.com
Analyzes permissioned transaction history to produce cash-flow, income and expense insights used for prequalification, credit decisioning and financial-health scoring.
- Human URL: https://developer.mastercard.com/open-banking-us/documentation/
- Base URL:
https://api.finicity.com
Validates account ownership and status for ACH and account-funding flows, returning account, routing and owner verification signals to reduce returned payments and fraud.
- Human URL: https://developer.mastercard.com/open-banking-us/documentation/
- Base URL:
https://api.finicity.com
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.
- Human URL: https://developer.mastercard.com/open-banking-us/documentation/
- Base URL:
https://api.finicity.com
FN: Kin Lane Email: kin@apievangelist.com