# 8percent

**Canonical:** https://apis.io/providers/8percent/  
**Website:** https://8percent.kr/  
**APIs profiled:** 0

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.

## Kin Score — 6.3 / 100 (minimal)

Scored 2026-09-25 under rubric 0.23.0. Trend: flat (-1.6 from 7.9).

| Facet | Score |
|---|---|
| Discoverability | 56.3 |
| Contract Quality | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 2.6 |
| Developer Ergonomics | 2.4 |
| Access Clarity | 6.6 |

Regulatory layer — **Horizontal (data, software, accessibility, platform)**: 5.9 (matched via fallback).

## Agent readiness — 2.5 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | documented |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |
| Delegated Identity | no |
| Protected Resource Metadata | no |
| Dynamic Client Registration | no |
| Agentic Commerce | no |

## Security (1)

- **8Percent Domain Security** — TLSv1.3 · DMARC

## Plans (1)

- **8Percent Plans Pricing**

## Tags

Company, Financial Services, Fintech, Lending, P2P Lending, Marketplace Lending, Credit Scoring, Investing, Consumer Finance, Real Estate Lending, Tokenization, South Korea

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/8percent/). Scores are computed from the provider's own public artifacts under a published rubric.