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 3 APIs on the APIs.io network. 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 9 more developer resources.

🌐 Visit website 📡 Source on GitHub
22.8/100 emerging Agent 31/100 agent aware Full breakdown ↓
scored 2026-07-20 · rubric v0.4
3 APIs 1 MCP Servers 0 Features
CompanyFintechBankingCreditUnderwritingCredit CardsPaymentsKYCRiskBrazilFinancial InclusionBanking as a Service

API Rating

API Evangelist API Evangelist Rating How this is scored →
scored 2026-07-20 · rubric v0.4
Composite quality — 22.8/100 · emerging
Contract Quality 0.0 / 25
Developer Ergonomics 13.0 / 20
Commercial Clarity 0.0 / 20
Operational Transparency 1.0 / 13
Governance 0.0 / 12
Discoverability 8.8 / 10
Agent readiness — 31/100 · agent aware
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 12 / 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 0 / 5
Well-Known Catalog 4 / 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/alt-bank: 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

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.

MCP Servers

alt-bank-mcp.yml

MCP SERVER

Event Specifications

Alt Bank Guard Webhooks

ASYNCAPI

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 3

MCP servers, agent skills, and machine-readable catalogs

MCPServer
MCPServer
 LLMsTxt
LLMsTxt
 WellKnown
WellKnown

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
LinkedIn

Source (apis.yml)

apis.yml Raw ↑ 
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
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-17'
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
- 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
  - 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
common:
- 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: MCPServer
  url: mcp/alt-bank-mcp.yml
- type: LLMsTxt
  url: llms/alt-bank-llms.txt
- type: WellKnown
  url: well-known/alt-bank-well-known.yml
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence