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.
APIs.json: https://raw.githubusercontent.com/api-evangelist/bud-co/refs/heads/main/apis.yml
- Open Banking
- Transaction Enrichment
- Categorization
- Affordability
- Payments
- AISP
- PISP
- Financial Data
- FinTech
- UK
- AI
- Machine Learning
- Created: 2026-05-25
- Modified: 2026-05-25
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.
- Human URL: https://docs.thisisbud.com
- Base URL:
https://api-sandbox.thisisbud.com
- Open Banking
- AISP
- Account Aggregation
- Consent
- Documentation
- OpenAPI — OpenAPI Specification
- Postman Collection — Postman Collection 2.1
- Open Collection — Open Collection 1.0
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.
- Human URL: https://docs.thisisbud.com
- Base URL:
https://api-sandbox.thisisbud.com
- Ingestion
- Transactions
- Accounts
- Documentation
- OpenAPI — OpenAPI Specification
- Postman Collection — Postman Collection 2.1
- Open Collection — Open Collection 1.0
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.
- Human URL: https://docs.thisisbud.com
- Base URL:
https://api-sandbox.thisisbud.com
- Customers
- Identity
- Platform
- Documentation
- OpenAPI — OpenAPI Specification
- Postman Collection — Postman Collection 2.1
- Open Collection — Open Collection 1.0
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.
- Human URL: https://docs.thisisbud.com
- Base URL:
https://api-sandbox.thisisbud.com
- Accounts
- Transactions
- Balances
- Enrichment
- Documentation
- OpenAPI — OpenAPI Specification
- Postman Collection — Postman Collection 2.1
- Open Collection — Open Collection 1.0
- JSON Schema — JSON Schema
- JSON Schema — JSON Schema
- JSON-LD — JSON-LD
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.
- Human URL: https://docs.thisisbud.com
- Base URL:
https://api-sandbox.thisisbud.com
- Enrichment
- Categorization
- Merchants
- Aggregations
- Documentation
- OpenAPI — OpenAPI Specification
- Postman Collection — Postman Collection 2.1
- Open Collection — Open Collection 1.0
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.
- Human URL: https://docs.thisisbud.com
- Base URL:
https://api-sandbox.thisisbud.com
- Insights
- Analytics
- Recurring Payments
- Subscriptions
- Income
- Documentation
- OpenAPI — OpenAPI Specification
- Postman Collection — Postman Collection 2.1
- Open Collection — Open Collection 1.0
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.
- Human URL: https://docs.thisisbud.com
- Base URL:
https://api-sandbox.thisisbud.com
- Search
- AI
- Natural Language
- Beta
- Documentation
- OpenAPI — OpenAPI Specification
- Postman Collection — Postman Collection 2.1
- Open Collection — Open Collection 1.0
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.
- Human URL: https://docs.thisisbud.com
- Base URL:
https://api-sandbox.thisisbud.com
- Affordability
- Lending
- Assess
- Risk
- Documentation
- OpenAPI — OpenAPI Specification
- Postman Collection — Postman Collection 2.1
- Open Collection — Open Collection 1.0
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.
- Human URL: https://docs.thisisbud.com
- Base URL:
https://api-sandbox.thisisbud.com
- Characteristics
- Risk
- Credit
- Lending
- Documentation
- OpenAPI — OpenAPI Specification
- Postman Collection — Postman Collection 2.1
- Open Collection — Open Collection 1.0
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.
- Human URL: https://docs.thisisbud.com
- Base URL:
https://api-sandbox.thisisbud.com
- Budgets
- Savings
- Goals
- Money Management
- Documentation
- OpenAPI — OpenAPI Specification
- Postman Collection — Postman Collection 2.1
- Open Collection — Open Collection 1.0
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.
- Human URL: https://docs.thisisbud.com
- Base URL:
https://api-sandbox.thisisbud.com
- Payments
- PISP
- Open Banking
- Standing Orders
- Documentation
- OpenAPI — OpenAPI Specification
- Postman Collection — Postman Collection 2.1
- Open Collection — Open Collection 1.0
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.
- Human URL: https://docs.thisisbud.com
- Base URL:
https://api-sandbox.thisisbud.com
- Widgets
- Embeddable
- UI
- Frontend
- Documentation
- OpenAPI — OpenAPI Specification
- Postman Collection — Postman Collection 2.1
- Open Collection — Open Collection 1.0
FN: Kin Lane Email: info@apievangelist.com