# Aella Credit

**Canonical:** https://apis.io/providers/aella-credit/  
**Website:** https://aellaapp.com  
**APIs profiled:** 1

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.

## Kin Score — 9.0 / 100 (minimal)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 9.0).

| Facet | Score |
|---|---|
| Discoverability | 75.9 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 2.6 |
| Developer Ergonomics | 9.5 |
| Commercial Clarity | 13.2 |
| Access Clarity | 13.2 |

Regulatory layer — **Payments**: 9.4 (matched via tags).

## Agent readiness — 0.0 (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 | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## APIs (1)

- **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 (1)

- **Aella Credit Domain Security** — TLSv1.3 · HSTS · DNSSEC

## Tags

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

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