Alt Bank

alt.bank (Alt Bank) is a Brazilian fintech providing a fully integrated, turnkey credit-card and consumer-credit platform for partners who want to launch prepaid and postpaid cards without becoming a financial institution. Its flagship product, GUARD, is a machine-learning underwriting / credit-risk engine ("Brazil's most accurate credit model") that returns a Guard Score, risk band and credit-limit decision through a real-time partner API. The platform also bundles white-label credit cards (novücard), Visa BIN sponsorship, KYC, anti-fraud, dispute management and Pix/boleto payment processing. Partners integrate over a documented HTTPS API secured with a per-partner X-Partner-Auth token plus IP allow-listing, with a mirrored staging sandbox and asynchronous callback delivery of underwriting results. Backed by Anthemis, Union Square Ventures, Repeat Ventures and SquareOne Capital, alt.bank targets financial inclusion for underbanked consumers.

Alt Bank publishes 4 API contracts indexed on the APIs.io network, including Underwriting API, and 3 more. Tagged areas include Company, Fintech, Banking, Credit, and Underwriting.

The Alt Bank catalog on APIs.io includes 1 event-driven AsyncAPI specification.

Alt Bank’s developer surface includes documentation, getting-started guide, API reference, support, authentication, sandbox, and 11 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

32.6/100 thin ▬ flat Agent 21/100 agent aware Front door AI 1/6 silent Full breakdown ↓
scored 2026-10-31 · rubric v0.25.0 · Show this score on your site →

1 published contract 1 Agent Skills

Company Fintech Banking Credit Underwriting Credit Cards Payments KYC Risk Management Brazil Financial Inclusion Banking as a Service

What this lets a business do 1

Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →

Credit & Lending Management

BC-1320

Underwriting

POST /api/partner/credit/cards/underwritings

Kin Score

Kin Score How this is scored →
scored 2026-10-31 · rubric v0.25.0

Composite quality — 32.6/100 · thin

Contract Quality 12.2 / 21

Developer Ergonomics 10.8 / 17

Access Clarity 0.0 / 17

Operational Transparency 0.9 / 11

Contract Governance 0.0 / 10

Discoverability 4.9 / 9

Regulatory Posture 1.6 / 15

Agent readiness — 21/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 6 / 6

Agent Skills 5 / 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

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):

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
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)
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes
Rate-Limit Signaling +7 pts — OpenAPI responses document X-RateLimit-* / RateLimit headers (verified), else a rate_limits artifact or RateLimits link (documented)

9 more unmet checks in the Agent Readiness table above.

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

Access Clarity scores 0.0 — up to +20.0 composite points
Operational Transparency scores 7.9 — up to +12.0 composite points
Contract Governance scores 0.0 — up to +12.0 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/alt-bank/apis.yml: open an issue on github.com/api-evangelist/alt-bank 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
Consumer Lending Licensing (UK, US, Canada credit licence registers)	undeclared	-	-	-
Brazil BCB Authorized Institutions (Banco Central do Brasil register beyond Pix)	undeclared	-	-	-

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 4

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

GUARD API

Real-time consumer credit underwriting / risk-assessment API. Partners POST an underwriting request for a credit-card applicant and receive a Guard Score, risk band and credit-l...

CC Integration API

Credit-card module integration API (private, partner B2B) for issuing and managing alt.bank white-label credit cards.

SDK KYC API

Identity verification / KYC SDK and API for onboarding and verifying applicants as part of the alt.bank credit and card flows.

Alt Bank Underwriting API

Credit underwriting and risk scoring for partner card issuance.

Open Collections 1

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

alt.bank GUARD Underwriting API

OPEN COLLECTION

Agent Skills 1

Packaged agent skills for driving this provider's APIs from an AI assistant.

Submit a GUARD credit-card underwriting

AGENT SKILL

Event Specifications 1

AsyncAPI definitions for this provider's event-driven and streaming APIs.

Alt Bank Guard Webhooks

ASYNCAPI

Security Posture 2

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

Alt Bank Authentication

apiKey · 1 scheme

SECURITY

Alt Bank Domain Security

TLSv1.3 · DMARC

SECURITY

Resources

Get Started 3

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

GettingStarted

GettingStarted

Sandbox

Sandbox

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

X-MCPServerCandidate

LLMsTxt

WellKnown

AgentSkill

Design & Contract 2

Pagination, idempotency, versioning, errors, and events

Conventions

Conventions

Webhooks

Webhooks

Access & Security 2

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Authentication

Authentication

Operate 1

Status, limits, changes, and where to get help

Support

Support

Company 2

The organization behind the API

Website

Website

LinkedIn

Other 1

Properties that don't map to a standard resource type

CapabilityMap

CapabilityMap

Source (apis.yml)

aid: alt-bank
name: Alt Bank
description: alt.bank (Alt Bank) is a Brazilian fintech providing a fully integrated, turnkey credit-card and consumer-credit
  platform for partners who want to launch prepaid and postpaid cards without becoming a financial institution. Its flagship
  product, GUARD, is a machine-learning underwriting / credit-risk engine ("Brazil's most accurate credit model") that returns
  a Guard Score, risk band and credit-limit decision through a real-time partner API. The platform also bundles white-label
  credit cards (novücard), Visa BIN sponsorship, KYC, anti-fraud, dispute management and Pix/boleto payment processing. Partners
  integrate over a documented HTTPS API secured with a per-partner X-Partner-Auth token plus IP allow-listing, with a mirrored
  staging sandbox and asynchronous callback delivery of underwriting results. Backed by Anthemis, Union Square Ventures, Repeat
  Ventures and SquareOne Capital, alt.bank targets financial inclusion for underbanked consumers.
url: https://raw.githubusercontent.com/api-evangelist/alt-bank/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- anthemis
x-tier: profiled
x-tier-reason: enriched-from-developer-portal
deliveryModel:
  model: unknown
  open_source: false
  commercial: false
  callable_host: true
  label: Delivery model not determined — needs a product licence on record
  confidence: low
  source:
  - openapi
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - authentication
  - security
  - sandbox
  - url: https://altbank.ai/en/
    status: 301
    note: declared website redirects to https://www.novutech.com.br/ — a different registrable domain (altbank.ai -> novutech.com.br),
      possible rename or acquisition (probed 2026-09-03, roadmap#169)
  generated: '2026-09-03'
  method: derived
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-08-08'
image: https://altbank.ai/wp-content/uploads/2020/08/cropped-alt.bank-logo-square-300x300.png
tags:
- Company
- Fintech
- Banking
- Credit
- Underwriting
- Credit Cards
- Payments
- KYC
- Risk Management
- Brazil
- Financial Inclusion
- Banking as a Service
tags_raw:
- Company
- Fintech
- Banking
- Credit
- Underwriting
- Credit Cards
- Payments
- KYC
- Risk
- Brazil
- Financial Inclusion
- Banking as a Service
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
apis:
- name: GUARD API
  description: 'Real-time consumer credit underwriting / risk-assessment API. Partners POST an underwriting request for a
    credit-card applicant and receive a Guard Score, risk band and credit-limit decision. The call is asynchronous: the result
    is delivered to a partner-registered callback URL once the analysis is finished. Authenticated with a 64-character per-partner
    X-Partner-Auth token and IP allow-listing.'
  humanURL: https://developers.altbank.ai/docs/guard
  baseURL: https://guard.altbank.ai
  tags:
  - Credit
  - Underwriting
  - Risk Management
  - Credit Cards
  tags_raw:
  - Credit
  - Underwriting
  - Risk
  - Credit Cards
  properties:
  - type: APIReference
    url: https://developers.altbank.ai/docs/guard
  - type: Sandbox
    url: https://guard.stg.altbank.ai
- name: CC Integration API
  description: Credit-card module integration API (private, partner B2B) for issuing and managing alt.bank white-label credit
    cards.
  humanURL: https://developers.altbank.ai/docs/cc-integration
  tags:
  - Credit Cards
  - Issuing
  properties:
  - type: APIReference
    url: https://developers.altbank.ai/docs/cc-integration
- name: SDK KYC API
  description: Identity verification / KYC SDK and API for onboarding and verifying applicants as part of the alt.bank credit
    and card flows.
  humanURL: https://developers.altbank.ai/docs/sdk-kyc
  tags:
  - KYC
  - Identity
  - Onboarding
  properties:
  - type: APIReference
    url: https://developers.altbank.ai/docs/sdk-kyc
- aid: alt-bank:alt-bank-underwriting-api
  name: Alt Bank Underwriting API
  description: Credit underwriting and risk scoring for partner card issuance.
  humanURL: https://developers.altbank.ai/docs/guard
  baseURL: https://guard.altbank.ai
  tags:
  - Underwriting
  properties:
  - type: OpenAPI
    url: openapi/alt-bank-underwriting-api-openapi.yml
common:
- type: CapabilityMap
  url: capabilities/alt-bank-capability-edges.yml
  name: Alt Bank Business Capability Map
- type: DomainSecurity
  url: security/alt-bank-domain-security.yml
- type: Website
  url: https://altbank.ai/en/
- type: DeveloperPortal
  url: https://developers.altbank.ai
- type: Documentation
  url: https://developers.altbank.ai/docs/guard-api
- type: GettingStarted
  url: https://developers.altbank.ai/docs/getting-started
- type: APIReference
  url: https://developers.altbank.ai/docs/guard
- type: Support
  url: https://altbank.ai/en/contact-us/
- type: LinkedIn
  url: https://www.linkedin.com/company/alt-bank
- type: Authentication
  url: authentication/alt-bank-authentication.yml
- type: Conventions
  url: conventions/alt-bank-conventions.yml
- type: Sandbox
  url: sandbox/alt-bank-sandbox.yml
- type: Webhooks
  url: asyncapi/alt-bank-guard-webhooks.yml
- type: X-MCPServerCandidate
  url: mcp/alt-bank-mcp.yml
  note: 'Renamed from MCPServer 2026-09-03 (roadmap#247): the manifest self-describes as status: candidate — a tool list derived
    from the published API contracts, not an existing server. The scorer already read the manifest and reported mcp_server
    correctly; the MCPServer type was crediting the artifact-type surfaces with a server that does not exist.'
- type: LLMsTxt
  url: llms/alt-bank-llms.txt
- type: WellKnown
  url: well-known/alt-bank-well-known.yml
- type: AgentSkill
  url: skills/_index.yml
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence
x-merged-from:
- altbank

Alt Bank API — frequently asked questions

Does Alt Bank have an API?

Yes. APIs.io lists 4 APIs from Alt Bank, including GUARD API, CC Integration API and SDK KYC API, and 1 more.

Is there an OpenAPI specification for the Alt Bank API?

Yes. APIs.io indexes 1 OpenAPI specification for Alt Bank, each linked for download from this page.

How do I authenticate with the Alt Bank API?

Alt Bank uses bearer-token authentication (apiKey · 1 scheme). The details are profiled on APIs.io as Alt Bank Authentication.

Is the Alt Bank API ready for AI agents?

Alt Bank has a Kin Score of 32.6 out of 100 (thin) and an Agent Readiness score of 20.7 (agent-aware), scored by API Evangelist on 2026-10-31.

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