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

9.0/100 minimal ▬ flat Agent 0/100 human only Full breakdown ↓
scored 2026-08-20 · rubric v0.12.0

1 APIs

CompanyFintechBankingMicrofinancePaymentsLendingDigital WalletKYCIdentity VerificationDirect DebitNigeriaAfricaFintech as a Service

Kin Score

Kin Score How this is scored →
scored 2026-08-20 · rubric v0.12.0

Composite quality — 9.0/100 · minimal

Contract Quality 0.0 / 21

Developer Ergonomics 1.6 / 17

Access Clarity 2.2 / 17

Operational Transparency 0.3 / 11

Contract Governance 0.0 / 10

Discoverability 6.5 / 9

Regulatory Posture 1.4 / 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

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.

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/. 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.

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)

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: '0.23'
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

Aella Credit

Kin Score

APIs 1

Aella Merchant API

Security Posture 1

Aella Credit Domain Security

Resources