APIs for Banks & Fintechs

Financial infrastructure for what you build next.

Modern developer APIs that enable banks, fintechs, and enterprise partners to build embedded finance, payments, account connectivity, analytics, and money movement solutions.

# create a new linked account
curl -X POST https://atlasforgefinancial.com/v1/accounts/link \
  -H "Authorization: Bearer $ATLAS_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "user_id": "usr_8M2nQ",
    "institution": "chase",
    "products": ["balances", "transactions", "auth"]
  }'

# response · 200 OK · 142 ms
{
  "id": "acc_a1B2c3D4",
  "institution": "chase",
  "type": "checking",
  "balance_available": 4218.50,
  "balance_current": 4302.10,
  "currency": "USD",
  "verified_at": "2026-06-14T19:21:00Z"
}

Platform capabilities

Everything money needs, behind one platform.

Account connectivity

Securely link checking, savings, credit, loan, and investment accounts.

Money movement

Send, receive, and reconcile payments across ACH, RTP, card, and wallet rails.

Transactions & balances

Enriched, categorized transaction data and real-time balance APIs.

Webhooks

Reliable, signed event streams for every state change in the platform.

Analytics & insights

Cash flow forecasting, subscription detection, and AI categorization.

Identity & KYC

Customer onboarding workflows with built-in verification and risk signals.

Developer experience

Type-safe SDKs, idempotency, pagination, and predictable error semantics.

Sandboxes

Realistic test data and zero-friction sandboxes for every endpoint.

A glance at the surface area

Endpoints, built for clarity.

RESTful, JSON-first, idempotent, and predictable. Designed by builders who've shipped real fintech products.

Read full reference
GET

/api/v1/me

Partner profile, masked keys, tier, webhook status.

POST

/api/v1/calculate/safe-to-spend

Compute a user's daily allowance from cash, bills, savings, debt.

POST

/api/v1/ingest

Upsert + recompute a Safe to Spend calculation for an end-user.

GET

/api/v1/ingest/calculations

Paginated list of every end-user's latest calculation.

GET

/api/v1/usage

Current-month calls, unique users, estimated bill (sandbox + production).

POST

/api/v1/webhooks

Register a webhook URL for `calculation.updated` events.

DELETE

/api/v1/ingest/user/{id}

GDPR delete — wipe one end-user's cached calculation.

Build embedded finance, faster.