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 publishes 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 22 more developer resources.

🌐 Visit website 📡 Source on GitHub

51.1/100 developing ▬ flat Agent 38/100 agent ready Full breakdown ↓
scored 2026-08-17 · rubric v0.11.0

AccessSelf serve

3 APIs 1 MCP Servers

CompanyCreditLendingFintechCredit ScoringUnderwritingKYCFinancial ServicesLatin AmericaData AggregationWorkflowsDecisioning

Kin Score

Kin Score How this is scored →
scored 2026-08-17 · rubric v0.11.0

Composite quality — 51.1/100 · developing

Contract Quality 11.0 / 21

Developer Ergonomics 12.6 / 17

Commercial Clarity 6.3 / 17

Operational Transparency 1.5 / 11

Governance 1.3 / 10

Discoverability 7.9 / 9

Regulatory Posture 10.7 / 15

Agent readiness — 38/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 0 / 10

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

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

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.

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/.

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/altscore: 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 3

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

MCP Servers 1

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

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

MCPServer

AgentSkill

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 2

Pricing, plans, and the legal terms of use

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
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
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-17'
image: https://altscore.ai/favicon.ico
tags:
- Company
- Credit
- Lending
- Fintech
- Credit Scoring
- Underwriting
- KYC
- Financial Services
- Latin America
- Data Aggregation
- Workflows
- Decisioning
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: 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: MCPServer
  url: mcp/altscore-mcp.yml
- 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

Kin Score

APIs 3

AltData API

Borrower Central API

Credit Management System API

MCP Servers 1

altscore-mcp.yml

Event Specifications 1

Altscore Webhooks

Security Posture 3

Altscore Authentication

Altscore Domain Security

Altscore Trust Center