Bud Financial

aid: bud-co
url: https://raw.githubusercontent.com/api-evangelist/bud-co/refs/heads/main/apis.yml
name: Bud Financial
description: >-
  Bud Financial (formerly Bud, thisisbud.com) is a UK-based fintech infrastructure company providing AI-driven Open
  Banking aggregation, transaction enrichment, categorization, affordability assessment, and payment initiation APIs.
  The Bud platform unifies Open Banking connections to UK and EU ASPSPs behind a single REST API and layers
  AI/ML-powered enrichment, categorization, merchant identification, affordability scoring, income/expenditure analysis,
  and actionable financial insights on top of raw transaction data. Banks, lenders, and consumer fintechs use Bud for
  KYC/AML checks, lending decisions, money management, and embedded payments.
created: '2026-05-25'
modified: '2026-05-25'
tags:
  - Open Banking
  - Transaction Enrichment
  - Categorization
  - Affordability
  - Payments
  - AISP
  - PISP
  - Financial Data
  - FinTech
  - UK
  - AI
  - Machine Learning
common:
  - url: https://bud.co
    type: WebSite
  - url: https://docs.thisisbud.com
    type: Documentation
  - url: https://console.thisisbud.com
    type: Console
  - url: https://support.thisisbud.com
    type: Support
  - url: https://www.linkedin.com/company/bud-financial/
    type: LinkedIn
  - url: https://github.com/thisisbud/bud-public-developer-resources
    type: GitHub
  - url: https://docs.thisisbud.com/llms.txt
    type: LLMSTxT
apis:
  - aid: bud-co:bud-connect-api
    name: Bud Connect API
    tags:
      - Open Banking
      - AISP
      - Account Aggregation
      - Consent
    humanURL: https://docs.thisisbud.com
    baseURL: https://api-sandbox.thisisbud.com
    properties:
      - url: https://docs.thisisbud.com
        type: Documentation
      - url: openapi/bud-platform-openapi.yml
        type: OpenAPI
    description: >-
      Open Banking aggregation API providing unified access to UK and EU ASPSP connections. Initiate consents through
      Bud's hosted Bud Connect gateway or build a native flow with the underlying authorisation, refresh, consent
      management, and reconfirmation endpoints. Bud handles the heterogeneity of ASPSP integrations behind a single set
      of asynchronous task-based endpoints, with webhook callbacks for connection, refresh, and consent events.
  - aid: bud-co:bud-ingestion-api
    name: Bud First-Party Ingestion API
    tags:
      - Ingestion
      - Transactions
      - Accounts
    humanURL: https://docs.thisisbud.com
    baseURL: https://api-sandbox.thisisbud.com
    properties:
      - url: https://docs.thisisbud.com
        type: Documentation
      - url: openapi/bud-platform-openapi.yml
        type: OpenAPI
    description: >-
      Push your own first-party account and transaction data into the Bud platform for enrichment, categorization, and
      insights without requiring an Open Banking consent. Supports synchronous and asynchronous ingestion, account
      open/close/reopen, and transaction book/decline lifecycle events.
  - aid: bud-co:bud-customers-platform-api
    name: Bud Customers Platform API
    tags:
      - Customers
      - Identity
      - Platform
    humanURL: https://docs.thisisbud.com
    baseURL: https://api-sandbox.thisisbud.com
    properties:
      - url: https://docs.thisisbud.com
        type: Documentation
      - url: openapi/bud-platform-openapi.yml
        type: OpenAPI
    description: >-
      Create, retrieve, batch-create, and manage end-user customer records on the Bud platform. Supports V1, V2, and V3
      customer endpoints, idempotent identifiers, customer context configuration, and asynchronous task tracking.
  - aid: bud-co:bud-financial-data-api
    name: Bud Financial Data API
    tags:
      - Accounts
      - Transactions
      - Balances
      - Enrichment
    humanURL: https://docs.thisisbud.com
    baseURL: https://api-sandbox.thisisbud.com
    properties:
      - url: https://docs.thisisbud.com
        type: Documentation
      - url: openapi/bud-platform-openapi.yml
        type: OpenAPI
      - url: json-schema/bud-transaction-schema.json
        type: JSONSchema
      - url: json-schema/bud-account-schema.json
        type: JSONSchema
      - url: json-ld/bud-co-context.jsonld
        type: JSONLD
    description: >-
      Retrieve enriched accounts, transactions, balances, and authorised payments. Bud's AI/ML enrichment engine
      attaches category, merchant, geolocation, and recurrence metadata to every transaction. Financial V3 endpoints
      expose the latest enriched schema with transaction-date ranges and per-account balance history.
  - aid: bud-co:bud-enrichment-api
    name: Bud Enrichment API
    tags:
      - Enrichment
      - Categorization
      - Merchants
      - Aggregations
    humanURL: https://docs.thisisbud.com
    baseURL: https://api-sandbox.thisisbud.com
    properties:
      - url: https://docs.thisisbud.com
        type: Documentation
      - url: openapi/bud-platform-openapi.yml
        type: OpenAPI
    description: >-
      Access Bud's enrichment resources: category models, category and merchant taxonomies, aggregated category and
      merchant totals, essential-spending statistics, and correction endpoints for re-labelling categories and merchants
      on individual transactions. Custom buckets let you group categories or merchants into your own reporting
      groupings.
  - aid: bud-co:bud-financial-insights-api
    name: Bud Financial Insights API
    tags:
      - Insights
      - Analytics
      - Recurring Payments
      - Subscriptions
      - Income
    humanURL: https://docs.thisisbud.com
    baseURL: https://api-sandbox.thisisbud.com
    properties:
      - url: https://docs.thisisbud.com
        type: Documentation
      - url: openapi/bud-platform-openapi.yml
        type: OpenAPI
    description: >-
      Generate deep insights from transaction data: actionable balance, income, and spending insights; custom insight
      management; subscription and recurring-transaction detection; income finder; future-transaction forecasting;
      benefit transactions; loan and debt-collection identification; and the Insights Product Finder.
  - aid: bud-co:bud-search-api
    name: Bud Intelligent Search API
    tags:
      - Search
      - AI
      - Natural Language
      - Beta
    humanURL: https://docs.thisisbud.com
    baseURL: https://api-sandbox.thisisbud.com
    properties:
      - url: https://docs.thisisbud.com
        type: Documentation
      - url: openapi/bud-platform-openapi.yml
        type: OpenAPI
    description: >-
      Beta intelligent search across transactions with AI-generated insights. Submit a natural language query, retrieve
      matching transactions and a derived narrative insight referencing the matched set.
  - aid: bud-co:bud-affordability-api
    name: Bud Affordability and Assess API
    tags:
      - Affordability
      - Lending
      - Assess
      - Risk
    humanURL: https://docs.thisisbud.com
    baseURL: https://api-sandbox.thisisbud.com
    properties:
      - url: https://docs.thisisbud.com
        type: Documentation
      - url: openapi/bud-platform-openapi.yml
        type: OpenAPI
    description: >-
      Pre-fill affordability forms and power lending decisions with structured income and expenditure breakdowns.
      Generate affordability reports (V1 and V2), drill into affordability transactions, retrieve beta risk insights
      (income-expenditure, merchants, unauthorised overdraft, income-health), and manage Assess customer applications
      with linked customer references.
  - aid: bud-co:bud-characteristics-api
    name: Bud Customer Characteristics API
    tags:
      - Characteristics
      - Risk
      - Credit
      - Lending
    humanURL: https://docs.thisisbud.com
    baseURL: https://api-sandbox.thisisbud.com
    properties:
      - url: https://docs.thisisbud.com
        type: Documentation
      - url: openapi/bud-platform-openapi.yml
        type: OpenAPI
    description: >-
      Retrieve derived behavioural characteristics for a customer across credit card, loan, overdraft, and saver lenses.
      Designed to feed lending models and risk decisioning with explainable feature sets calculated from enriched
      transaction history.
  - aid: bud-co:bud-goals-api
    name: Bud Goals and Budgets API
    tags:
      - Budgets
      - Savings
      - Goals
      - Money Management
    humanURL: https://docs.thisisbud.com
    baseURL: https://api-sandbox.thisisbud.com
    properties:
      - url: https://docs.thisisbud.com
        type: Documentation
      - url: openapi/bud-platform-openapi.yml
        type: OpenAPI
    description: >-
      Manage savings goals (V2) and spending budgets (V1) for end customers. Create, retrieve, list, and delete goals,
      attach contributing transactions to a budget, and track progress against a target amount and time horizon.
  - aid: bud-co:bud-payments-api
    name: Bud Payments API
    tags:
      - Payments
      - PISP
      - Open Banking
      - Standing Orders
    humanURL: https://docs.thisisbud.com
    baseURL: https://api-sandbox.thisisbud.com
    properties:
      - url: https://docs.thisisbud.com
        type: Documentation
      - url: openapi/bud-platform-openapi.yml
        type: OpenAPI
    description: >-
      Initiate authorised single payments, scheduled payments, and standing orders directly from a customer's bank
      account using Bud's PISP service. Either redirect users to a Bud-hosted Bud Pay URL or drive the flow yourself
      with native authorisation-code, confirmation, and status endpoints.
  - aid: bud-co:bud-widgets-api
    name: Bud Embedded Widgets API
    tags:
      - Widgets
      - Embeddable
      - UI
      - Frontend
    humanURL: https://docs.thisisbud.com
    baseURL: https://api-sandbox.thisisbud.com
    properties:
      - url: https://docs.thisisbud.com
        type: Documentation
      - url: openapi/bud-platform-openapi.yml
        type: OpenAPI
    description: >-
      Request signed URLs for Bud's embeddable frontend widgets - accounts, balances over time, financial calendar,
      insight summary, intelligent search, recurring and forecasted transactions, savings goals, spending analysis, and
      spending budgets - drop them into your app without rebuilding the UI.
maintainers:
  - FN: Kin Lane
    email: [email protected]