apis.yml

aid: array
name: Array
description: Array is an embedded fintech products platform that lets financial institutions, fintechs,
  credit-service companies, and consumer brands seamlessly integrate consumer credit, identity, and background
  data into their own user experiences and marketing funnels. Array packages products such as credit scores
  and monitoring (My Credit Manager), identity and privacy protection, background checks, credit building
  (BuildCredit), debt management and navigation, an offers engine, property and home-value data, and a
  subscription manager, delivered as embeddable white-label components, private- label experiences, and
  APIs so clients can drive engagement, conversion, revenue, and consumer financial progress. Headquartered
  in New York City and led by CEO Martin Toha, Array is backed by investors including General Catalyst.
  Array's production API is served from https://array.io/api with a mirrored sandbox at
  https://sandbox.array.io/api, and its embeddable web components load from https://embed.array.io.
  This profile was seeded from a VC portfolio lead and enriched from Array's public website, its live
  API error responses, its Statuspage API and its public embed loader; its developer documentation
  (docs.array.com, on ReadMe) is password-protected at every path, so the OpenAPI specification and
  Postman collection Array advertises there could not be harvested.
url: https://raw.githubusercontent.com/api-evangelist/array/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- general-catalyst
x-tier: stub
x-tier-reason: portfolio-lead
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source: []
  generated: '2026-07-22'
  method: derived
image: https://array.com/assets/array-featured-image.png
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-10-06'
x-docs-platform: readme
x-docs-platform-confidence: high
x-docs-platform-checked: 2026-09-19
tags:
- Company
- Fintech
- Embedded Finance
- Credit Data
- Identity
- Background Checks
- Credit Monitoring
- Consumer Data
- Financial Services
tags_raw:
- Company
- Fintech
- Embedded Finance
- Credit Data
- Identity
- Background Checks
- Credit Monitoring
- Consumer Data
- Financial Services
- API
- Financial-Services
apis:
- aid: array:array-api
  name: Array API
  description: Array's REST API for embedded consumer-credit, identity and background-data products.
    Confirmed live at https://array.io/api — the /api/user/v2 and /api/report/v2 routes answer with
    structured JSON validation errors to anonymous callers, and the Array embed loader
    (embed.array.io/cms/array-web-component.js) targets https://array.io in production and
    https://sandbox.array.io in sandbox mode. The reference, OpenAPI specification and Postman
    collection are published on docs.array.com, which is password-protected at every path, so the
    machine-readable contract could not be harvested.
  humanURL: https://array.com/developers
  baseURL: https://array.io/api
  tags:
  - Credit Data
  - Identity
  - Background Checks
  - Embedded Finance
  properties:
  - type: DeveloperPortal
    url: https://array.com/developers
  - type: Authentication
    url: authentication/array-authentication.yml
  - type: Sandbox
    url: sandbox/array-sandbox.yml
  - type: Conventions
    url: conventions/array-conventions.yml
  - type: ErrorCatalog
    url: errors/array-problem-types.yml
  - type: RateLimits
    url: rate-limits/array-rate-limits.yml
common:
- url: https://blog.array.com/rss.xml
  type: BlogRSS
- type: DomainSecurity
  url: security/array-domain-security.yml
- type: Website
  url: https://array.com
- type: DeveloperPortal
  url: https://array.com/developers
- type: Documentation
  url: https://docs.array.com
- type: Deployment
  url: https://array.com/deployment
- type: Pricing
  url: https://array.com/product-pricing/all-features
- type: Support
  url: https://array.com/help
- type: Blog
  url: https://array.com/company/newsroom
- type: About
  url: https://array.com/company/about-us
- type: TermsOfService
  url: https://array.com/legal
- type: PrivacyPolicy
  url: https://array.com/privacy
- type: StatusPage
  url: https://status.array.com
- type: Lifecycle
  url: lifecycle/array-lifecycle.yml
- type: LLMsTxt
  url: llms/array-llms.txt
- type: Components
  url: components/array-components.yml
- type: Authentication
  url: authentication/array-authentication.yml
- type: Sandbox
  url: sandbox/array-sandbox.yml
- type: Conventions
  url: conventions/array-conventions.yml
- type: ErrorCatalog
  url: errors/array-problem-types.yml
- type: Packages
  url: packages/array-packages.yml
- type: SDKs
  url: packages/array-packages.yml
- type: RateLimits
  url: rate-limits/array-rate-limits.yml
- type: Plans
  url: plans/array-plans-pricing.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
x-enrichment:
  date: '2026-08-10'
  status: enriched
  artifacts_added: 8
  pass: local-v1
  note: >-
    Contract discovery found the real API estate the previous rounds missed: array.io (not
    array.com) is the API host, with a live sandbox at sandbox.array.io and public embed
    loaders at embed.array.io. The OpenAPI, Postman collection and sandbox identities Array
    advertises all sit behind the docs.array.com password gate and remain uncaptured.
x-merged-from:
- array-us