# Belvo (slim)

> Belvo is an open finance API for Latin America. It reads bank accounts, transactions and investments in Brazil, employment records in Brazil and Mexico and tax data in Mexico, and starts Pix payments in Brazil and direct debits in Mexico.

- Full: https://www.anchorterminal.com/tools/belvo.md (~7,900 tokens) · this version ~1,780 tokens · JSON https://www.anchorterminal.com/tools/belvo.json · canonical https://www.anchorterminal.com/tools/belvo
- Index: https://www.anchorterminal.com/llms.txt · API: https://www.anchorterminal.com/api/v1/index.json · Updated: 2026-10-08

**B · 63.5/100 · rank #309 of 722 · #2 in Bank data & open banking · not agent-ready · confidence medium**


Assessment: Belvo publishes a 146-operation OpenAPI file, an llms.txt with a Markdown twin of each docs page, and list endpoints with field selection and pages of up to 1,000. Production access needs a sales meeting, a certification call and a paid plan from 1,000 USD a month, and no changelog or maintained SDK was found.

## Facts

- Kind: HTTP API · vendor: Belvo · category: Bank data & open banking · legal entity: Belvo Tecnologias Ltda. · provenance 81/100
- Endpoint: `https://api.belvo.com` (HTTP)
- Auth: API key · pricing: Paid · x402: no · licence: Proprietary service under Belvo's General Conditions of Service Usage. The belvo npm package (0.28.0) is MIT
- Probe metrics: not measured yet (probes haven't run)
- Base URLs: https://sandbox.belvo.com and https://api.belvo.com. Direct Debit Mexico has its own API, sandbox at https://api.sandbox.directdebit.belvo.com
- Countries: Bank data in Brazil (Open Finance). Employment data in Brazil and Mexico. Fiscal data in Mexico, and Chile in the API reference. Pix payments in Brazil, direct debit in Mexico
- Sandbox: Free and self-serve after email sign-up. Covers banking Brazil (run by an outside service), employment Mexico, fiscal Mexico and payments Mexico. Not available for payments Brazil or employment Brazil. Wiped on the 1st of each month
- Production access: Requested from Belvo. A sales meeting, then a certification call with an engineer, then production keys
- Consent: Hosted Widget with a 10 minute access token. Consents listed at GET /api/consents/. End users manage consents in the My Belvo Portal. DELETE /api/links/{id}/ removes a link and its data
- Refresh: Recurrent links refresh every seven days by default, with a webhook when data is ready. Single links are read once
- Rate limits: 5 deletions a minute per endpoint. Brazil Open Finance monthly limits per CPF or CNPJ. Other limits are enforced with 429 but not published
- Pagination: `page` and `page_size`, 100 by default and 1,000 at most, with `count`, `next` and `previous`. `fields` and `omit` select response fields
- Errors: JSON array with `code`, `message`, `request_id` and an optional `field`. 48 error articles, each with cause and solution
- Idempotency: `Belvo-Idempotency-Key` on Brazil payment intents. `Idempotency-Key` on Mexico direct debit payment requests, kept 24 hours
- Retention: `stale_in` 1 to 365 days (365 by default), `credentials_storage` store, nostore or 1 to 365 days, `save_data` false to store nothing. The terms promise deletion within 30 days of termination or request
- MCP servers: Developer MCP, public, six documentation tools. Data Access MCP, activated by sales. Analytics MCP, coming soon
- Certifications: ISO/IEC 27001:2022 and PCI DSS Level 1 per belvo.com/security. Hosted on AWS
- Status: status.belvo.com on Statuspage, with API, Widget, Webhooks, Dashboard, Recurrent Links, Sandbox Environment and payments components
- Prices: Launch plan $1000 per month (plan)

- Scores: Reliability 84, Performance pending, Schema & documentation 80, Agent ergonomics 80, Security & auth 57, Payments & pricing 20, Task success pending, Maintenance & community 30, Transparency & trust 64 · total over the 7 assessed categories
- Why: Reliability, Graded on the hosted REST API. · Schema & documentation, Public OpenAPI 3.0.2 file, version 1.223.0, with 146 operations on 83 paths, and a second specification for Direct Debit Mexico (25). · Agent ergonomics, List endpoints accept `fields` and `omit` to size responses and `page_size` from the default 100 up to 1,000 (22 of 25). · Security & auth, One `secretId` and `secretPassword` pair per environment over HTTP Basic, resettable in the dashboard, with no scopes found (18 of 30). · Payments & pricing, No x402, MPP or L402 (0). · Maintenance & community, Closed service. · Transparency & trust, Closed service with public terms, the General Conditions of Service Usage last updated 10 January 2025. The old npm package is MIT (15 of 30…
- Sources: 28, open questions: 9, both in the full twin
- Capabilities: bank.accounts, bank.transactions, bank.identity, bank.payments, bank.consent
- JSON: https://www.anchorterminal.com/api/v1/tools/belvo.json
- Verify (for the vendor): the badge `https://www.anchorterminal.com/badges/belvo.svg` or a link to https://www.anchorterminal.com/tools/belvo from a page on belvo.com or one of its subdomains, then `POST https://www.anchorterminal.com/api/v1/verify` `{"slug", "url"}` or `verify_listing` at /mcp; re-checked weekly, no effect on the grade. Snippets in the full twin.

## Before you call it

1. Send HTTP Basic with `secretId` as username and `secretPassword` as password to https://sandbox.belvo.com, and switch to https://api.belvo.com only with production keys
2. Create links through the Hosted Widget with a token from POST /api/token/, which expires after 10 minutes
3. Read stored data with GET list calls. Each POST retrieval in Brazil counts against monthly Open Finance limits, such as 8 a month per CPF for owners and accounts
4. Retry 50x responses up to five times from a 3 second base with a factor of two, and don't retry 40x apart from `too_many_sessions`
5. Send `Belvo-Idempotency-Key` with a UUID when creating a payment intent, and `X-Belvo-Request-Mode: async` on link deletion to avoid the limit of 5 deletions a minute

## Connect

```bash
curl -X GET https://sandbox.belvo.com/api/ \
  -H "Authorization: Basic $(echo -n 'YOUR_SECRET_ID:YOUR_SECRET_PASSWORD' | base64)"
```

```bash
claude mcp add --transport http belvo-docs https://developers.belvo.com/mcp
```
Full config and headless snippets are in the full page. Through letme (picks today, calling later): https://letme.dev/belvo

## Similar tools

| Tool | Grade | Score | Shared capabilities | Slim |
| --- | --- | --- | --- | --- |
| Plaid | B | 69.8 | bank.accounts, bank.transactions, bank.identity, bank.payments, bank.consent | https://www.anchorterminal.com/tools/plaid.min.md |
| Tink | B | 62.5 | bank.accounts, bank.transactions, bank.consent, bank.payments, bank.identity | https://www.anchorterminal.com/tools/tink.min.md |
| TrueLayer | B | 62.1 | bank.accounts, bank.transactions, bank.identity, bank.payments, bank.consent | https://www.anchorterminal.com/tools/truelayer.min.md |
| Yapily | C | 57.6 | bank.accounts, bank.transactions, bank.identity, bank.payments, bank.consent | https://www.anchorterminal.com/tools/yapily.min.md |
| Flinks | D | 52.7 | bank.accounts, bank.transactions, bank.identity, bank.payments, bank.consent | https://www.anchorterminal.com/tools/flinks.min.md |


## Panel reviews (0, desk reviews from public material, no calls made)