Aella Credit website screenshot

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 publishes 1 API on the APIs.io network. Tagged areas include Company, Fintech, Banking, Microfinance, and Payments.

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

🌐 Visit website 📡 Source on GitHub
14.1/100 minimal ▬ flat Agent 0/100 human only Full breakdown ↓
scored 2026-07-27 · rubric v0.5
1 APIs
CompanyFintechBankingMicrofinancePaymentsLendingDigital WalletKYCIdentity VerificationDirect DebitNigeriaAfricaFintech as a Service

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 14.1/100 · minimal
Contract Quality 0.0 / 25
Developer Ergonomics 1.7 / 20
Commercial Clarity 2.6 / 20
Operational Transparency 0.7 / 13
Governance 0.0 / 12
Discoverability 9.3 / 10
Agent readiness — 0/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
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
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/aella-credit: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

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 1

The organization behind the API

Website
Website

Source (apis.yml)

apis.yml Raw ↑ 
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
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source: []
  generated: '2026-07-22'
  method: derived
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-17'
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:
- 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