# AltScore

**Canonical:** https://apis.io/providers/altscore/  
**Website:** https://altscore.ai/  
**APIs profiled:** 3

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.

## Kin Score — 51.1 / 100 (developing)

Scored 2026-08-17 under rubric 0.11.0. Trend: flat (+0.0 from 51.1).

| Facet | Score |
|---|---|
| Discoverability | 92.6 |
| Contract Quality | 51.6 |
| Governance | 12.5 |
| Operational Transparency | 13.2 |
| Developer Ergonomics | 73.9 |
| Commercial Clarity | 36.8 |

Regulatory layer — **Insurance**: 71.2 (matched via tags).

## Agent readiness — 37.8 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | no |
| MCP Server | derived |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | yes |
| Agent Skills | yes |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

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

## APIs (3)

- **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)

- **altscore-mcp.yml**

## Security (3)

- **Altscore Authentication** — oauth2/apiKey/http · 5 schemes
- **Altscore Domain Security** — TLSv1.3 · HSTS · DMARC
- **Altscore Trust Center** — ISO 27001:2022, SOC 2

## Tags

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

---

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