8percent

8percent (에잇퍼센트) is a Seoul-based fintech company, founded in November 2014, that built Korea's first-generation peer-to-peer lending marketplace and in June 2021 became the country's first company registered as an Online Investment-linked Finance Business operator (온라인투자연계금융업 registration 2021-2) under the Financial Services Commission. Its platform matches retail and institutional investors with mid-credit borrowers, and has expanded from unsecured personal credit loans into real-estate-backed lending, stock-purchase loans, gig-worker financing, small-business loans and rental-deposit loans, underwriting them with an in-house AI credit-assessment model the company markets as "E-index". Cumulative originations are reported at roughly ₩1.4 trillion, and in July 2026 8percent acquired security-token operator A-Panda Partners to tokenize loan receivables. The service ships as a Korean-language consumer web app plus iOS and Android apps, served by a private first-party API host (core-api.8percent.kr) that the site's own production JavaScript names as its base. 8percent publishes no developer portal, no API reference, no SDK and no machine-readable contract of any kind; its public GitHub organization carries internal engineering tooling and study repos rather than API client libraries.

8percent is profiled on the APIs.io network. Tagged areas include Company, Financial Services, Fintech, Lending, and P2P Lending.

8percent’s developer surface includes engineering blog, support, and 12 more developer resources.

🌐 Visit website 📡 Source on GitHub

6.3/100 minimal ▬ flat Agent 3/100 human only Front door AI 3/6 light Full breakdown ↓
scored 2026-09-25 · rubric v0.23.0

0 APIs

Company Financial Services Fintech Lending P2P Lending Marketplace Lending Credit Scoring Investing Consumer FinanceReal Estate LendingTokenization South Korea

Kin Score

Kin Score How this is scored →
scored 2026-09-25 · rubric v0.23.0

Composite quality — 6.3/100 · minimal

Contract Quality 0.0 / 21

Developer Ergonomics 0.4 / 17

Access Clarity 1.1 / 17

Operational Transparency 0.3 / 11

Contract Governance 0.0 / 10

Discoverability 4.8 / 9

Regulatory Posture 0.9 / 15

Agent readiness — 3/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Regulatory Posture applies to this provider. Its tags matched the Horizontal (data, software, accessibility, platform) regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from github.com/api-evangelist/8percent: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Pricing Plans 1

Published pricing tiers and plan structures.

8Percent Plans Pricing

0 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

8Percent Rate Limits

0 limits

RATE LIMITS

Security Posture 1

Authentication, domain security, vulnerability disclosure, and trust-center signals.

8Percent Domain Security

TLSv1.3 · DMARC

SECURITY

Resources

Get Started 1

Portal, sign-up, and the first successful call

Login

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

Build 2

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Packages

Packages

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Operate 2

Status, limits, changes, and where to get help

PressReleases

PressReleases

Support

Support

Commercial 1

Pricing, plans, and the legal terms of use

Plans

Plans

Company 5

The organization behind the API

Website

About

Blog

BlogRSS

Careers

Other 1

Properties that don't map to a standard resource type

Source (apis.yml)

aid: 8percent
name: 8percent
description: 8percent (에잇퍼센트) is a Seoul-based fintech company, founded in November 2014, that built Korea's first-generation
  peer-to-peer lending marketplace and in June 2021 became the country's first company registered as an Online Investment-linked
  Finance Business operator (온라인투자연계금융업 registration 2021-2) under the Financial Services Commission. Its platform matches
  retail and institutional investors with mid-credit borrowers, and has expanded from unsecured personal credit loans into
  real-estate-backed lending, stock-purchase loans, gig-worker financing, small-business loans and rental-deposit loans, underwriting
  them with an in-house AI credit-assessment model the company markets as "E-index". Cumulative originations are reported
  at roughly ₩1.4 trillion, and in July 2026 8percent acquired security-token operator A-Panda Partners to tokenize loan receivables.
  The service ships as a Korean-language consumer web app plus iOS and Android apps, served by a private first-party API host
  (core-api.8percent.kr) that the site's own production JavaScript names as its base. 8percent publishes no developer portal,
  no API reference, no SDK and no machine-readable contract of any kind; its public GitHub organization carries internal engineering
  tooling and study repos rather than API client libraries.
image: https://cdn-media.8percent.kr/meta/8percent-meta.png
url: https://raw.githubusercontent.com/api-evangelist/8percent/refs/heads/main/apis.yml
x-type: company
x-source: harvest:secondary-market
x-harvest-source-url: https://equityzen.com/company/8percent
x-tier: stub
x-tier-reason: harvest
position: Producing
specificationVersion: '0.20'
created: '2026-09-05'
modified: '2026-09-05'
tags:
- Company
- Financial Services
- Fintech
- Lending
- P2P Lending
- Marketplace Lending
- Credit Scoring
- Investing
- Consumer Finance
- Real Estate Lending
- Tokenization
- South Korea
tags_raw:
- Company
- Financial Services
- Fintech
- Lending
- P2P Lending
- Marketplace Lending
- Credit Scoring
- Investing
- Consumer Finance
- Real Estate Lending
- Tokenization
- South Korea
- Financial-Services
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://8percent.kr/
- type: About
  url: https://about.8percent.kr/
- type: Blog
  url: https://blog.8percent.kr/
- type: BlogRSS
  url: https://blog.8percent.kr/feed
- type: PressReleases
  url: https://blog.8percent.kr/category/newsroom/press
- type: GitHubOrganization
  url: https://github.com/8percent
- type: Careers
  url: https://8percent.careers.team/
- type: X
  url: https://x.com/8percent_kr
- type: Support
  url: https://8percent.kr/board/faq/
- type: Login
  url: https://8percent.kr/user/login/
- type: LLMsTxt
  url: llms/8percent-llms.txt
- type: Packages
  url: packages/8percent-packages.yml
- type: Plans
  url: plans/8percent-plans-pricing.yml
- type: DomainSecurity
  url: security/8percent-domain-security.yml
x-enrichment:
  date: '2026-09-05'
  status: minimal
  artifacts_added: 6
  pass: local-v3
x-coverage:
  state: none
  reason: no-developer-program
  detail: 8percent ships only an end-user Korean consumer lending and investing product; the JSON API host its own site bundle
    names, https://core-api.8percent.kr/api, answers /openapi.json, /swagger.json, /graphql and /api-docs with HTTP 404 and
    denies the entire /.well-known/ prefix with 403, and neither developers.8percent.kr nor docs.8percent.kr resolves in DNS,
    no SDK on npm or PyPI, and no API mentioned anywhere on 8percent.kr or about.8percent.kr.
  evidence:
  - url: https://core-api.8percent.kr/openapi.json
    status: 404
  - url: https://core-api.8percent.kr/health
    status: 200
  - url: https://core-api.8percent.kr/.well-known/oauth-authorization-server
    status: 403
  - url: https://api.8percent.kr/openapi.json
    status: 404
  - url: https://8percent.kr/llms.txt
    status: 404
  - url: https://8percent.kr/.well-known/agent-card.json
    status: 404
  - url: https://8percent.kr/sitemap.xml
    status: 200
  checked: '2026-09-05'

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