alt.bank website screenshot

alt.bank

alt.bank is a Brazilian fintech offering a turnkey credit-card platform that lets partners launch their own prepaid and postpaid credit cards in Brazil without holding a banking license. The company provides white-label card issuance, Visa BIN sponsorship, digital onboarding with KYC/AML, and fraud/chargeback management. Its developer surface centers on GUARD, a credit-underwriting and risk-scoring API that scores applicants (by CPF) against traditional and alternative data and returns a risk band and a suggested initial credit line asynchronously via partner callback, alongside the CLIMB limit-management system and the Pix Crédito product. Founded in 2018 and backed by Union Square Ventures, Anthemis, and others, alt.bank targets the underbanked across Brazil and Latin America.

alt.bank publishes 1 API on the APIs.io network: Underwriting API. Tagged areas include Company, Fintech, Banking, Credit Cards, and Card Issuing.

The alt.bank catalog on APIs.io includes 1 event-driven AsyncAPI specification.

alt.bank’s developer surface includes documentation, API reference, authentication, sandbox, and 9 more developer resources.

🌐 Visit website 📡 Source on GitHub
36.9/100 thin ▬ flat Agent 49/100 agent ready Full breakdown ↓
scored 2026-07-27 · rubric v0.5
AccessSelf serve
1 APIs 1 MCP Servers
CompanyFintechBankingCredit CardsCard IssuingUnderwritingPaymentsBrazilKYC

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 36.9/100 · thin
Contract Quality 17.3 / 25
Developer Ergonomics 11.3 / 20
Commercial Clarity 0.0 / 20
Operational Transparency 1.0 / 13
Governance 0.0 / 12
Discoverability 9.3 / 10
Agent readiness — 49/100 · agent ready
Machine-Readable Contract 18 / 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 5 / 5
Well-Known Catalog 0 / 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/altbank: 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.

alt.bank Underwriting API

Credit underwriting and risk scoring for partner card issuance.

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

altbank-mcp.yml

MCP SERVER

Event Specifications 1

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

Altbank Guard Webhooks

ASYNCAPI

Security Posture 2

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

Altbank Authentication

apiKey · 1 scheme

SECURITY

Altbank Domain Security

TLSv1.3

SECURITY

Resources

Get Started 2

Portal, sign-up, and the first successful call

DeveloperPortal
DeveloperPortal
 Sandbox
Sandbox

Documentation 3

Reference material describing how the API behaves

Documentation
Documentation
 APIReference
APIReference
 OpenAPI
OpenAPI

Agent Surfaces 3

MCP servers, agent skills, and machine-readable catalogs

MCPServer
MCPServer
 AgentSkill
AgentSkill
 LLMsTxt
LLMsTxt

Design & Contract 2

Pagination, idempotency, versioning, errors, and events

Conventions
Conventions
 Webhooks
Webhooks

Access & Security 2

Authentication, authorization, and security posture

Authentication
Authentication
 DomainSecurity
DomainSecurity

Company 1

The organization behind the API

Website
Website

Source (apis.yml)

apis.yml Raw ↑ 
aid: altbank
name: alt.bank
description: alt.bank is a Brazilian fintech offering a turnkey credit-card platform that lets partners launch their own prepaid
  and postpaid credit cards in Brazil without holding a banking license. The company provides white-label card issuance, Visa
  BIN sponsorship, digital onboarding with KYC/AML, and fraud/chargeback management. Its developer surface centers on GUARD,
  a credit-underwriting and risk-scoring API that scores applicants (by CPF) against traditional and alternative data and
  returns a risk band and a suggested initial credit line asynchronously via partner callback, alongside the CLIMB limit-management
  system and the Pix Crédito product. Founded in 2018 and backed by Union Square Ventures, Anthemis, and others, alt.bank
  targets the underbanked across Brazil and Latin America.
url: https://raw.githubusercontent.com/api-evangelist/altbank/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- union-square-ventures
x-tier: profiled
x-tier-reason: enriched-real-developer-portal
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://altbank.ai/wp-content/uploads/2020/08/cropped-alt.bank-logo-square-300x300.png
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-17'
tags:
- Company
- Fintech
- Banking
- Credit Cards
- Card Issuing
- Underwriting
- Payments
- Brazil
- KYC
apis:
- aid: altbank:altbank-underwriting-api
  name: alt.bank Underwriting API
  description: Credit underwriting and risk scoring for partner card issuance.
  humanURL: https://developers.altbank.ai/docs/guard-api
  baseURL: https://guard.altbank.ai
  tags:
  - Underwriting
  properties:
  - type: OpenAPI
    url: openapi/altbank-underwriting-api-openapi.yml
  - type: Documentation
    url: https://developers.altbank.ai/docs/guard-api
  - type: APIReference
    url: https://developers.altbank.ai/docs/guard-api
  - type: Authentication
    url: authentication/altbank-authentication.yml
  - type: Sandbox
    url: sandbox/altbank-sandbox.yml
  - type: Webhooks
    url: asyncapi/altbank-guard-webhooks.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://altbank.ai
- type: DeveloperPortal
  url: https://developers.altbank.ai/
- type: Documentation
  url: https://developers.altbank.ai/docs/guard-api
- type: APIReference
  url: https://developers.altbank.ai/docs/guard-api
- type: OpenAPI
  url: openapi/altbank-guard-openapi.yml
- type: Authentication
  url: authentication/altbank-authentication.yml
- type: Sandbox
  url: sandbox/altbank-sandbox.yml
- type: Conventions
  url: conventions/altbank-conventions.yml
- type: Webhooks
  url: asyncapi/altbank-guard-webhooks.yml
- type: MCPServer
  url: mcp/altbank-mcp.yml
- type: AgentSkill
  url: skills/_index.yml
- type: LLMsTxt
  url: llms/altbank-llms.txt
- type: DomainSecurity
  url: security/altbank-domain-security.yml
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence