Aella Credit

Aella (Aella Credit) is a technology-driven microfinance bank licensed by the Central Bank of Nigeria (CBN), building consumer and business financial infrastructure across Africa. Its consumer app offers savings, low-interest and same-day loans, bill payments, and high-yield savings accounts, while its Fintech-as-a-Service platform exposes that infrastructure to businesses through a developer-facing API gateway. Published API capabilities include wallet-as-a- service (create and manage digital wallets with real-time balances and full ledger support), KYC/identity verification via BVN and NIN, bank-account lookup and validation, sub-accounts and pooled fund structures for platforms and marketplaces, and direct-debit recurring collections. A live Aella Merchant API is hosted at api.aellaapp.com and a merchant dashboard at merchant.aellaapp.com, though the provider does not yet publish a public developer portal, OpenAPI definition, or SDKs. This profile was seeded as a portfolio company of 500 Global and enriched by the API Evangelist pipeline.

Aella Credit is listed with 1 API on the APIs.io network. Tagged areas include Company, Fintech, Banking, Microfinance, and Payments.

Aella Credit’s developer surface includes engineering blog, signup flow, and 5 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

10.6/100 minimal ▬ flat Agent 0/100 human only Front door AI 1/6 silent Heartbeat 38/100 slowing saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

1 API

Company Fintech Banking Microfinance Payments Lending Digital Wallet KYC Identity Verification Direct Debit Nigeria AfricaFintech as a Service

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 10.6/100 · minimal

Contract Quality 0.0 / 21

Developer Ergonomics 2.0 / 17

Access Clarity 2.2 / 17

Operational Transparency 0.3 / 11

Contract Governance 0.0 / 10

Discoverability 6.2 / 9

Regulatory Posture 0.8 / 15

Agent readiness — 0/100 · 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 0 / 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

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Payments 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/.

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Agent readiness — checks not met, largest first (exact, from this profile):

Machine-Readable Contract +18 pts — api_specs includes an OpenAPI document
MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
Machine-Readable Auth +10 pts — a served openid-configuration/oauth-authorization-server carrying `issuer` (served), else the securitySchemes class in the provider OpenAPIs — bound (mutualTLS, DPoP, Signature) > negotiable (oauth2 authorizationCode/clientCredentials, openIdConnect) > bearer (http bearer, apiKey)
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes

13 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Contract Quality scores 0.0 — up to +25.0 composite points
Developer Ergonomics scores 11.9 — up to +17.6 composite points
Access Clarity scores 13.2 — up to +17.4 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

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 the provider profile at artifacts.apis.io/aella-credit/apis.yml: open an issue on github.com/api-evangelist/aella-credit to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
Biometrics Testing (biometric recognition vendors, identity verification depth)	undeclared	-	-	1
African Payments (Nigeria, Kenya, South Africa, Ghana, WAEMU)	undeclared	-	-	1
Consumer Lending Licensing (UK, US, Canada credit licence registers)	undeclared	-	-	1

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

APIs 1

Individual APIs this provider publishes, each with its own machine-readable definition.

Aella Merchant API

Aella's Fintech-as-a-Service API gateway for businesses, exposing wallet-as-a- service, KYC/identity verification (BVN, NIN), bank-account lookup and validation, sub-accounts/po...

Security Posture 1

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

Aella Credit Domain Security

TLSv1.3 · HSTS · DNSSEC

SECURITY

Resources

Get Started 2

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

SignUp

SignUp

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Company 2

The organization behind the API

Blog

Blog

Website

Website

Source (apis.yml)

aid: aella-credit
name: Aella Credit
description: Aella (Aella Credit) is a technology-driven microfinance bank licensed by the Central Bank of Nigeria (CBN),
  building consumer and business financial infrastructure across Africa. Its consumer app offers savings, low-interest and
  same-day loans, bill payments, and high-yield savings accounts, while its Fintech-as-a-Service platform exposes that infrastructure
  to businesses through a developer-facing API gateway. Published API capabilities include wallet-as-a- service (create and
  manage digital wallets with real-time balances and full ledger support), KYC/identity verification via BVN and NIN, bank-account
  lookup and validation, sub-accounts and pooled fund structures for platforms and marketplaces, and direct-debit recurring
  collections. A live Aella Merchant API is hosted at api.aellaapp.com and a merchant dashboard at merchant.aellaapp.com,
  though the provider does not yet publish a public developer portal, OpenAPI definition, or SDKs. This profile was seeded
  as a portfolio company of 500 Global and enriched by the API Evangelist pipeline.
url: https://raw.githubusercontent.com/api-evangelist/aella-credit/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- 500-global
x-tier: stub
x-tier-reason: portfolio-lead
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - security
  generated: '2026-11-06'
  method: derived
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-10-06'
image: https://static.aellaapp.com/user_image/OPTIONB.png
tags:
- Company
- Fintech
- Banking
- Microfinance
- Payments
- Lending
- Digital Wallet
- KYC
- Identity Verification
- Direct Debit
- Nigeria
- Africa
- Fintech as a Service
apis:
- name: Aella Merchant API
  description: Aella's Fintech-as-a-Service API gateway for businesses, exposing wallet-as-a- service, KYC/identity verification
    (BVN, NIN), bank-account lookup and validation, sub-accounts/pooling, and direct-debit collections. The API host responds
    at api.aellaapp.com ("Welcome to Aella Merchant API"); endpoints are authentication-gated and the provider does not yet
    publish an OpenAPI definition or public reference documentation.
  humanURL: https://aellaapp.com/fintech-as-a-service
  baseURL: https://api.aellaapp.com
  properties:
  - type: Website
    url: https://aellaapp.com/fintech-as-a-service
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- url: https://aellaapp.com/blog
  type: Blog
- type: Website
  url: https://aellaapp.com
- type: DeveloperPortal
  url: https://aellaapp.com/fintech-as-a-service
- type: SignUp
  url: https://merchant.aellaapp.com/sign-up
- type: GitHubOrganization
  url: https://github.com/aellacredit
- type: DomainSecurity
  url: security/aella-credit-domain-security.yml
- type: LLMsTxt
  url: llms/aella-credit-llms.txt
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence

Aella Credit API — frequently asked questions

Does Aella Credit have an API?

Yes. APIs.io lists 1 API from Aella Credit, including Aella Merchant API.

Is the Aella Credit API ready for AI agents?

Aella Credit has a Kin Score of 10.6 out of 100 (minimal) and an Agent Readiness score of 0.0 (human-only), scored by API Evangelist on 2026-11-06.

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