AltScore website screenshot

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
47.7/100 developing ▬ flat Agent 36/100 agent aware Full breakdown ↓
scored 2026-07-27 · rubric v0.5
AccessSelf serve
3 APIs 1 MCP Servers
CompanyCreditLendingFintechCredit ScoringUnderwritingKYCFinancial ServicesLatin AmericaData AggregationWorkflowsDecisioning

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 47.7/100 · developing
Contract Quality 5.7 / 25
Developer Ergonomics 16.1 / 20
Commercial Clarity 7.4 / 20
Operational Transparency 1.7 / 13
Governance 0.0 / 12
Discoverability 10.0 / 10
Agent readiness — 36/100 · 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 5 / 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/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.

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...

MCP Servers 1

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

altscore-mcp.yml

MCP SERVER

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
 MCPServer
MCPServer
 AgentSkill
AgentSkill
 LLMsTxt
LLMsTxt

Design & Contract 5

Pagination, idempotency, versioning, errors, and events

Conventions
Conventions
 Conformance
Conformance
 Lifecycle
Lifecycle
 DataModel
DataModel
 Webhooks
Webhooks

Build 5

SDKs, sample code, and the tooling you integrate with

GitHubOrganization
GitHubOrganization
 Postman
Postman
 Packages
Packages
 SDKs
SDKs
 CLI
CLI

Access & Security 5

Authentication, authorization, and security posture

TrustCenter
TrustCenter
 Compliance
Compliance
 Authentication
Authentication
 OAuthScopes
OAuthScopes
 DomainSecurity
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)

apis.yml Raw ↑ 
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