# Alt Bank

**Canonical:** https://apis.io/providers/alt-bank/  
**Website:** https://altbank.ai/en/  
**APIs profiled:** 1

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.

## Kin Score — 25.3 / 100 (emerging)

Scored 2026-08-30 under rubric 0.17.2. Trend: flat (-0.6 from 25.9).

| Facet | Score |
|---|---|
| Discoverability | 66.7 |
| Contract Quality | 63.9 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 7.9 |
| Developer Ergonomics | 18.5 |
| Commercial Clarity | 0.0 |
| Access Clarity | 0.0 |

Regulatory layer — **Payments**: 18.8 (matched via tags).

## Agent readiness — 20.7 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | bearer |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | yes |
| Agent Skills | derived |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |
| Delegated Identity | no |
| Protected Resource Metadata | no |
| Dynamic Client Registration | no |
| Agentic Commerce | no |

## Access

Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: medium).

## APIs (4)

- **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.

## MCP servers (1)

- **Alt Bank MCP Server**

## Security (2)

- **Alt Bank Authentication** — apiKey · 1 scheme
- **Alt Bank Domain Security** — TLSv1.3 · DMARC

## Tags

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

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