# Addi

**Canonical:** https://apis.io/providers/addi/  
**Website:** https://co.addi.com/  
**APIs profiled:** 1

Addi is a Colombian financial technology company founded in 2018 that provides buy-now-pay-later (BNPL) credit at the point of sale across Latin America. Consumers split purchases into installments using only a national ID — no credit card required — while merchants integrate Addi as a checkout payment method through first-party e-commerce plugins (VTEX IO, Magento 2, PrestaShop) and a REST API secured with Auth0 OAuth2 client-credentials. Addi serves more than two million customers and tens of thousands of merchants in Colombia and Brazil, and is regulated by the Superintendencia Financiera de Colombia.

## Kin Score — 26.8 / 100 (thin)

Scored 2026-08-30 under rubric 0.17.2. Trend: flat (+0.0 from 26.8).

| Facet | Score |
|---|---|
| Discoverability | 75.9 |
| Contract Quality | 0.0 |
| Governance | 4.5 |
| Contract Governance | 4.5 |
| Operational Transparency | 2.6 |
| Developer Ergonomics | 52.4 |
| Commercial Clarity | 34.2 |
| Access Clarity | 34.2 |

Regulatory layer — **Payments**: 39.1 (matched via tags).

## Agent readiness — 2.5 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | bearer |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| 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 |

## Access

Open access — onboarding: open, pricing: unknown, trial: no (confidence: medium).

## APIs (1)

- **Addi Credit & Checkout API** — REST API that lets e-commerce merchants create Addi buy-now-pay-later credit applications at checkout. Authentication is handled through Auth0 using the OAuth2 client-credential...

## Security (2)

- **Addi Authentication** — oauth2 · 1 scheme
- **Addi Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Company, Fintech, Payments, Buy Now Pay Later, Credit, Lending, Checkout, E-Commerce, Latin America, Colombia

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