Belvo API
Latin American open finance API for accessing bank account data, transactions, tax information, and employment data across 50+ financial institutions in Mexico, Brazil, and Colombia.
Score Breakdown
⚙ Agent Friendliness
🔒 Security
OAuth2 + secret key for open banking API. Handles sensitive financial data — treat credentials as highly sensitive. GDPR compliant.
⚡ Reliability
Best When
You're building fintech products for Mexican, Brazilian, or Colombian markets and need programmatic access to bank and tax data.
Avoid When
Your customers are primarily in the US, Europe, or outside Latin America.
Use Cases
- • Aggregating bank account balances and transactions for Latin American customers
- • Accessing SAT tax data (Mexico) for income verification and financial analysis
- • Employment and payroll data retrieval for loan underwriting in LATAM
- • KYC/KYB verification using official financial institution data
- • Building personal finance management apps with multi-bank data aggregation
Not For
- • Non-LATAM financial data (use Plaid for US, TrueLayer for UK/EU)
- • Payment initiation (Belvo is primarily read-only data access)
- • Customers without accounts at supported financial institutions
Interface
Authentication
HTTP Basic Auth using Secret ID and Secret Password. Credentials tied to your Belvo account. End-user bank credentials are securely proxied through Belvo's widget — not stored by your app.
Pricing
Freemium model. Sandbox access is free. Production access requires a plan. Enterprise pricing negotiated for high volume.
Agent Metadata
Known Gotchas
- ⚠ Bank data retrieval is inherently asynchronous and institution-dependent — timeouts are common
- ⚠ Links (user-institution connections) expire and require re-authentication — agents must handle link refresh
- ⚠ Not all data fields are available from all institutions — field availability varies significantly
- ⚠ Sandbox institutions return synthetic data that may not match production behavior
- ⚠ LATAM bank MFA requirements can interrupt automated flows — widget approach needed for user auth
Alternatives
Full Evaluation Report
Detailed scoring breakdown, competitive positioning, security analysis, and improvement recommendations for Belvo API.
Scores are editorial opinions as of 2026-03-06.