AltScore

AltScore is a B2B credit infrastructure platform for Latin America — the "Rails of Lending" that lets any company build, embed, and deploy credit products in weeks instead of years. Its API surface spans three products: AltData, an aggregation layer over 50+ alternative and traditional data sources for underwriting and scoring; Borrower Central, an onboarding, KYC/KYB, identity, document, and workflow/decisioning engine; and a Credit Management System for the full loan lifecycle — disbursements, credit accounts, debts, payment orders, and DPAs. Access is through first-party Python and TypeScript SDKs, a Go CLI, and a Frontegg-backed OAuth/OIDC identity layer, with a dedicated sandbox environment and an in-production test mode (isTest) for UAT.

AltScore is listed with 3 APIs on the APIs.io network. Tagged areas include Company, Credit, Lending, Fintech, and Credit Scoring.

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

AltScore’s developer surface includes documentation, API reference, engineering blog, support, CLI, authentication, sandbox, and 23 more developer resources.

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55.8/100 strong ▬ flat Agent 32/100 agent ready Front door AI 3/6 light Heartbeat 38/100 alive saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

AccessPaid

3 APIs 1 Agent Skills

Company Credit Lending Fintech Credit Scoring Underwriting KYC Financial Services Latin America Data Aggregation Workflows Decisioning

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 55.8/100 · strong

Contract Quality 8.3 / 21

Developer Ergonomics 13.4 / 17

Access Clarity 13.0 / 17

Operational Transparency 1.2 / 11

Contract Governance 1.9 / 10

Discoverability 6.7 / 9

Regulatory Posture 6.2 / 15

Agent readiness — 32/100 · agent ready

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 6 / 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

MCP Tool Quality 6 / 6

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

8 more unmet checks in the Agent Readiness table above.

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

Contract Quality scores 39.0 — up to +15.3 composite points
Operational Transparency scores 10.5 — up to +11.6 composite points
Contract Governance scores 18.2 — up to +9.8 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/altscore/apis.yml: open an issue on github.com/api-evangelist/altscore 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
Agent Skills (SKILL.md packages)	distribution	9.6 (thin)	-	1
Consumer Lending Licensing (UK, US, Canada credit licence registers)	distribution	9.6 (thin)	-	1

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.

Standards implemented 1

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

Agent Skills

measured — observed by APIs.io (published)

APIs 3

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

AltData API

Alternative-data aggregation for credit underwriting and scoring. Aggregates over 50 data sources into on-demand data requests that feed borrower enrichment and decisioning.

Borrower Central API

Onboarding, KYC/KYB, identities, documents, deals, forms, workflows (v1 + v2), credit decisioning, evaluators, and policy rules. The default module of the AltScore SDK and CLI.

Credit Management System API

The loan lifecycle system — partners, clients, credit accounts, debts, disbursements, disbursement accounts, payment accounts, payment orders, and DPAs (payment agreements). Inc...

Agent Skills 1

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

altscore-api

AGENT SKILL

AltScore API pricing

Prices published by AltScore, read 2026-10-28 from altscore.ai/en/pricing.

Plan	Price
Starter	$0.10/ query Includes: Up to 10,000 queries/month; Core data sources; REST API access; Email support
Growth	$0.05/ query Includes: Up to 100,000 queries/month; All data sources; ML model deployment; Priority support
Enterprise	Custom Includes: Unlimited queries; Custom data sources; Dedicated infrastructure; SLA & dedicated support

Plan details, limits and sources →

Billed by: query · FinOps profile →

Pricing Plans 2

Published pricing tiers and plan structures.

Altscore Plans Pricing

3 plans

PLANS

Altscore Price Estimates

0 plans

PLANS

FinOps 1

Cost, billing, and metering signals for API financial operations.

Altscore Finops

FINOPS

Event Specifications 1

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

Altscore Webhooks

ASYNCAPI

Security Posture 3

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

Altscore Authentication

oauth2/apiKey/http · 5 schemes

SECURITY

Altscore Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Altscore Trust Center

ISO 27001:2022, SOC 2

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Altscore Scopes

3 scopes · clientCredentials/authorizationCode

3 scopes

SCOPES

Resources

Get Started 2

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

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

WellKnown

WellKnown

X-MCPServerCandidate

X-MCPServerCandidate

AgentSkill

AgentSkill

LLMsTxt

LLMsTxt

Design & Contract 5

Pagination, idempotency, versioning, errors, and events

Conventions

Conformance

Lifecycle

DataModel

Webhooks

Build 5

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

Postman

Packages

SDKs

CLI

Access & Security 5

Authentication, authorization, and security posture

TrustCenter

Compliance

Authentication

OAuthScopes

DomainSecurity

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 3

Pricing, plans, and the legal terms of use

Plans

Plans

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 2

The organization behind the API

Website

Website

Blog

Blog

Other 1

Properties that don't map to a standard resource type

OpenIDConnect

OpenIDConnect

Source (apis.yml)

aid: altscore
name: AltScore
description: 'AltScore is a B2B credit infrastructure platform for Latin America — the "Rails of Lending" that lets any company
  build, embed, and deploy credit products in weeks instead of years. Its API surface spans three products: AltData, an aggregation
  layer over 50+ alternative and traditional data sources for underwriting and scoring; Borrower Central, an onboarding, KYC/KYB,
  identity, document, and workflow/decisioning engine; and a Credit Management System for the full loan lifecycle — disbursements,
  credit accounts, debts, payment orders, and DPAs. Access is through first-party Python and TypeScript SDKs, a Go CLI, and
  a Frontegg-backed OAuth/OIDC identity layer, with a dedicated sandbox environment and an in-production test mode (isTest)
  for UAT.'
url: https://raw.githubusercontent.com/api-evangelist/altscore/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- techstars
x-tier: stub
x-tier-reason: portfolio-lead
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: paid
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Paid
  confidence: high
  source:
  - plans
  - authentication
  - scopes
  - security
  - sandbox
  generated: '2026-11-06'
  method: derived
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-17'
image: https://altscore.ai/favicon.ico
x-docs-platform: postman
x-docs-platform-confidence: high
x-docs-platform-checked: 2026-09-17
tags:
- Company
- Credit
- Lending
- Fintech
- Credit Scoring
- Underwriting
- KYC
- Financial Services
- Latin America
- Data Aggregation
- Workflows
- Decisioning
tags_raw:
- Company
- Credit
- Lending
- Fintech
- Credit Scoring
- Underwriting
- KYC
- Financial Services
- Latin America
- Data Aggregation
- Workflows
- Decisioning
- Financial-Services
apis:
- name: AltData API
  description: Alternative-data aggregation for credit underwriting and scoring. Aggregates over 50 data sources into on-demand
    data requests that feed borrower enrichment and decisioning.
  humanURL: https://docs.altscore.ai/
  baseURL: https://data.altscore.ai
  properties:
  - type: Documentation
    url: https://docs.altscore.ai/
- name: Borrower Central API
  description: Onboarding, KYC/KYB, identities, documents, deals, forms, workflows (v1 + v2), credit decisioning, evaluators,
    and policy rules. The default module of the AltScore SDK and CLI.
  humanURL: https://docs.altscore.ai/
  baseURL: https://bc.altscore.ai
  properties:
  - type: Documentation
    url: https://docs.altscore.ai/
- name: Credit Management System API
  description: The loan lifecycle system — partners, clients, credit accounts, debts, disbursements, disbursement accounts,
    payment accounts, payment orders, and DPAs (payment agreements). Includes the webhooks surface.
  humanURL: https://docs.altscore.ai/
  baseURL: https://api.altscore.ai
  properties:
  - type: Documentation
    url: https://docs.altscore.ai/
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Plans
  url: plans/altscore-plans-pricing.yml
- type: TrustCenter
  url: security/altscore-trust-center.yml
- type: Website
  url: https://altscore.ai/
- type: DeveloperPortal
  url: https://docs.altscore.ai/
- type: Documentation
  url: https://docs.altscore.ai/
- type: APIReference
  url: https://docs.altscore.ai/
- type: Blog
  url: https://www.altscore.ai/en/blog
- type: GitHubOrganization
  url: https://github.com/AltScore
- type: TermsOfService
  url: https://www.altscore.ai/en/terms-of-service
- type: PrivacyPolicy
  url: https://www.altscore.ai/en/privacy-policy
- type: Support
  url: https://www.altscore.ai/en/#contacto
- type: Compliance
  url: https://www.altscore.ai/en/security
- type: Postman
  url: https://docs.altscore.ai/
- type: Packages
  url: packages/altscore-packages.yml
- type: SDKs
  url: packages/altscore-packages.yml
- type: CLI
  url: cli/altscore-cli.yml
- type: Authentication
  url: authentication/altscore-authentication.yml
- type: OAuthScopes
  url: scopes/altscore-scopes.yml
- type: OpenIDConnect
  url: well-known/altscore-openid-configuration.json
- type: WellKnown
  url: well-known/altscore-well-known.yml
- type: X-MCPServerCandidate
  url: mcp/altscore-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: AgentSkill
  url: skills/_index.yml
- type: LLMsTxt
  url: llms/altscore-llms.txt
- type: Conventions
  url: conventions/altscore-conventions.yml
- type: Conformance
  url: conformance/altscore-conformance.yml
- type: Lifecycle
  url: lifecycle/altscore-lifecycle.yml
- type: Sandbox
  url: sandbox/altscore-sandbox.yml
- type: DataModel
  url: data-model/altscore-data-model.yml
- type: Webhooks
  url: asyncapi/altscore-webhooks.yml
- type: DomainSecurity
  url: security/altscore-domain-security.yml
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence

AltScore API — frequently asked questions

Does AltScore have an API?

Yes. APIs.io lists 3 APIs from AltScore, including AltData API, Borrower Central API and Credit Management System API.

How do I authenticate with the AltScore API?

AltScore documents its authentication (oauth2/apiKey/http · 5 schemes). The details are profiled on APIs.io as Altscore Authentication.

How much does the AltScore API cost?

AltScore publishes its prices; its Starter plan is $0.10/ query as of 2026-10-28. APIs.io lists 3 pricing plans for AltScore, with each plan's price, limits and inclusions under Pricing on this page.

Is the AltScore API ready for AI agents?

AltScore has a Kin Score of 55.8 out of 100 (strong) and an Agent Readiness score of 31.7 (agent-ready), scored by API Evangelist on 2026-11-06.

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