AZA Finance website screenshot

AZA Finance

AZA Finance is a regulated financial-infrastructure provider delivering foreign exchange (FX), collections, treasury and cross-border payout services across Africa and between Africa and the rest of the world. Its developer platform is the TransferZero API V1 — a REST API that lets businesses create senders, quote FX, send bulk and individual payouts to bank accounts and mobile-money wallets, validate accounts, attach KYC documents, and receive real-time webhook notifications. Authentication is HMAC request-signing; official SDKs are published for Ruby, JavaScript, PHP, .NET and Java. AZA Finance is licensed by the UK FCA (#673100), the Bank of Uganda (#MR 125/23) and the Central Bank of Nigeria.

AZA Finance publishes 16 APIs on the APIs.io network, including Account Debits API, Account Validation API, Accounts API, and 13 more. Tagged areas include Company, Financial-Services, Payments, Foreign Exchange, and Cross-Border Payments.

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

AZA Finance’s developer surface includes documentation, API reference, getting-started guide, authentication, sandbox, engineering blog, support, and 21 more developer resources.

32.1/100 thin ▬ flat Agent 34/100 agent ready saas Full breakdown ↓
scored 2026-08-30 · rubric v0.17.2
AccessSelf serve
1 APIs 1 MCP Servers
CompanyFinancial-ServicesPaymentsForeign ExchangeCross-Border PaymentsAfricaFintech

What this lets a business do 3

Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →

Payments & Card Management
BC-1340
Payin MethodsPayment MethodsPayout MethodsTransactions
Banking Customer Management
BC-1300
Senders
Developer Platform & API Ecosystem Management
BC-4270
Webhooks

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-08-30 · rubric v0.17.2
Composite quality — 32.1/100 · thin
Contract Quality 14.0 / 21
Developer Ergonomics 6.0 / 17
Access Clarity 0.0 / 17
Operational Transparency 1.2 / 11
Contract Governance 0.5 / 10
Discoverability 6.5 / 9
Regulatory Posture 4.0 / 15
Agent readiness — 34/100 · agent ready
Machine-Readable Contract 18 / 18
Agentic Access Contract 10 / 10
Documented Reversibility 0 / 6
MCP Server 0 / 12
Machine-Readable Auth 10 / 10
Idempotency 9 / 9
Stable Error Semantics 8 / 8
Request/Response Examples 7 / 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 0 / 6
Protected Resource Metadata 0 / 5
Registration Without a Human 0 / 6
Agentic Commerce Surface 0 / 5
Regulatory Posture applies to this provider. Its tags matched the Payments 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/aza-finance: 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 16

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

AZA Finance Account Debits API

The Account Debits API from AZA Finance — 1 operation(s) for account debits.

AZA Finance Account Validation API

The Account Validation API from AZA Finance — 1 operation(s) for account validation.

AZA Finance Accounts API

The Accounts API from AZA Finance — 2 operation(s) for accounts.

AZA Finance API Logs API

The API Logs API from AZA Finance — 2 operation(s) for api logs.

AZA Finance Currency Info API

The Currency Info API from AZA Finance — 3 operation(s) for currency info.

AZA Finance dlocal balance API

The dlocal balance API from AZA Finance — 1 operation(s) for dlocal balance.

AZA Finance Documents API

The Documents API from AZA Finance — 2 operation(s) for documents.

AZA Finance Logs API

The Logs API from AZA Finance — 2 operation(s) for logs.

AZA Finance Mandates API

The Mandates API from AZA Finance — 1 operation(s) for mandates.

AZA Finance Payin Methods API

The Payin Methods API from AZA Finance — 2 operation(s) for payin methods.

AZA Finance Payment Methods API

The Payment Methods API from AZA Finance — 2 operation(s) for payment methods.

AZA Finance Payout Methods API

The Payout Methods API from AZA Finance — 2 operation(s) for payout methods.

AZA Finance Recipients API

The Recipients API from AZA Finance — 3 operation(s) for recipients.

AZA Finance Senders API

The Senders API from AZA Finance — 2 operation(s) for senders.

AZA Finance Transactions API

The Transactions API from AZA Finance — 7 operation(s) for transactions.

AZA Finance Webhooks API

The Webhooks API from AZA Finance — 3 operation(s) for webhooks.

Scroll for all 16

Open Collections 17

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

API Collection

OPEN COLLECTION

Scroll for all 17

Arazzo Workflows 1

Multi-step API workflows described with the Arazzo specification.

AZA Finance — send a cross-border payout

Quote FX, create a sender, create a transaction, fund it, and confirm settlement.

ARAZZO

MCP Servers 1

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

Event Specifications 1

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

Security Posture 2

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

Aza Finance Authentication

apiKey · 4 schemes

SECURITY

Aza Finance Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Aza Finance Agentic Access

49 operations · 22 acting

49 operations · 22 acting

AGENTIC

Resources

Get Started 4

Portal, sign-up, and the first successful call

Documentation 2

Reference material describing how the API behaves

Agent Surfaces 5

MCP servers, agent skills, and machine-readable catalogs

Design & Contract 5

Pagination, idempotency, versioning, errors, and events

Build 3

SDKs, sample code, and the tooling you integrate with

Access & Security 2

Authentication, authorization, and security posture

Operate 1

Status, limits, changes, and where to get help

Commercial 2

Pricing, plans, and the legal terms of use

Company 2

The organization behind the API

Other 2

Properties that don't map to a standard resource type

Source (apis.yml)

apis.yml Raw ↑
aid: aza-finance
name: AZA Finance
description: AZA Finance is a regulated financial-infrastructure provider delivering foreign exchange (FX), collections, treasury
  and cross-border payout services across Africa and between Africa and the rest of the world. Its developer platform is the
  TransferZero API V1 — a REST API that lets businesses create senders, quote FX, send bulk and individual payouts to bank
  accounts and mobile-money wallets, validate accounts, attach KYC documents, and receive real-time webhook notifications.
  Authentication is HMAC request-signing; official SDKs are published for Ruby, JavaScript, PHP, .NET and Java. AZA Finance
  is licensed by the UK FCA (#673100), the Bank of Uganda (#MR 125/23) and the Central Bank of Nigeria.
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
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://www.azafinance.com/favicon.ico
url: https://raw.githubusercontent.com/api-evangelist/aza-finance/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- pantera-capital
x-tier: profiled
x-tier-reason: enriched-from-openapi
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-18'
tags:
- Company
- Financial-Services
- Payments
- Foreign Exchange
- Cross-Border Payments
- Africa
- Fintech
tags_raw:
- Company
- Financial Services
- Payments
- Foreign Exchange
- Cross-Border Payments
- Africa
- Fintech
- API
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
apis:
- aid: aza-finance:aza-finance-account-debits-api
  name: AZA Finance Account Debits API
  description: The Account Debits API from AZA Finance — 1 operation(s) for account debits.
  humanURL: https://docs.transferzero.com/
  baseURL: https://api.transferzero.com/v1
  tags:
  - Account Debits
  properties:
  - type: OpenAPI
    url: openapi/aza-finance-account-debits-api-openapi.yml
  - type: APIReference
    url: https://api.transferzero.com/documentation/
  - type: Webhooks
    url: asyncapi/aza-finance-webhooks.yml
  - type: ErrorCatalog
    url: errors/aza-finance-problem-types.yml
  - type: DataModel
    url: data-model/aza-finance-data-model.yml
  - type: Arazzo
    url: arazzo/aza-finance-send-payout.yml
- aid: aza-finance:aza-finance-account-validation-api
  name: AZA Finance Account Validation API
  description: The Account Validation API from AZA Finance — 1 operation(s) for account validation.
  humanURL: https://docs.transferzero.com/
  baseURL: https://api.transferzero.com/v1
  tags:
  - Account Validation
  properties:
  - type: OpenAPI
    url: openapi/aza-finance-account-validation-api-openapi.yml
  - type: APIReference
    url: https://api.transferzero.com/documentation/
  - type: Webhooks
    url: asyncapi/aza-finance-webhooks.yml
  - type: ErrorCatalog
    url: errors/aza-finance-problem-types.yml
  - type: DataModel
    url: data-model/aza-finance-data-model.yml
  - type: Arazzo
    url: arazzo/aza-finance-send-payout.yml
- aid: aza-finance:aza-finance-accounts-api
  name: AZA Finance Accounts API
  description: The Accounts API from AZA Finance — 2 operation(s) for accounts.
  humanURL: https://docs.transferzero.com/
  baseURL: https://api.transferzero.com/v1
  tags:
  - Account
  tags_raw:
  - Accounts
  properties:
  - type: OpenAPI
    url: openapi/aza-finance-accounts-api-openapi.yml
  - type: APIReference
    url: https://api.transferzero.com/documentation/
  - type: Webhooks
    url: asyncapi/aza-finance-webhooks.yml
  - type: ErrorCatalog
    url: errors/aza-finance-problem-types.yml
  - type: DataModel
    url: data-model/aza-finance-data-model.yml
  - type: Arazzo
    url: arazzo/aza-finance-send-payout.yml
- aid: aza-finance:aza-finance-api-logs-api
  name: AZA Finance API Logs API
  description: The API Logs API from AZA Finance — 2 operation(s) for api logs.
  humanURL: https://docs.transferzero.com/
  baseURL: https://api.transferzero.com/v1
  tags:
  - API Logs
  properties:
  - type: OpenAPI
    url: openapi/aza-finance-api-logs-api-openapi.yml
  - type: APIReference
    url: https://api.transferzero.com/documentation/
  - type: Webhooks
    url: asyncapi/aza-finance-webhooks.yml
  - type: ErrorCatalog
    url: errors/aza-finance-problem-types.yml
  - type: DataModel
    url: data-model/aza-finance-data-model.yml
  - type: Arazzo
    url: arazzo/aza-finance-send-payout.yml
- aid: aza-finance:aza-finance-currency-info-api
  name: AZA Finance Currency Info API
  description: The Currency Info API from AZA Finance — 3 operation(s) for currency info.
  humanURL: https://docs.transferzero.com/
  baseURL: https://api.transferzero.com/v1
  tags:
  - Currency Info
  properties:
  - type: OpenAPI
    url: openapi/aza-finance-currency-info-api-openapi.yml
  - type: APIReference
    url: https://api.transferzero.com/documentation/
  - type: Webhooks
    url: asyncapi/aza-finance-webhooks.yml
  - type: ErrorCatalog
    url: errors/aza-finance-problem-types.yml
  - type: DataModel
    url: data-model/aza-finance-data-model.yml
  - type: Arazzo
    url: arazzo/aza-finance-send-payout.yml
- aid: aza-finance:aza-finance-dlocal-balance-api
  name: AZA Finance dlocal balance API
  description: The dlocal balance API from AZA Finance — 1 operation(s) for dlocal balance.
  humanURL: https://docs.transferzero.com/
  baseURL: https://api.transferzero.com/v1
  tags:
  - dlocal balance
  properties:
  - type: OpenAPI
    url: openapi/aza-finance-dlocal-balance-api-openapi.yml
  - type: APIReference
    url: https://api.transferzero.com/documentation/
  - type: Webhooks
    url: asyncapi/aza-finance-webhooks.yml
  - type: ErrorCatalog
    url: errors/aza-finance-problem-types.yml
  - type: DataModel
    url: data-model/aza-finance-data-model.yml
  - type: Arazzo
    url: arazzo/aza-finance-send-payout.yml
- aid: aza-finance:aza-finance-documents-api
  name: AZA Finance Documents API
  description: The Documents API from AZA Finance — 2 operation(s) for documents.
  humanURL: https://docs.transferzero.com/
  baseURL: https://api.transferzero.com/v1
  tags:
  - Documents
  properties:
  - type: OpenAPI
    url: openapi/aza-finance-documents-api-openapi.yml
  - type: APIReference
    url: https://api.transferzero.com/documentation/
  - type: Webhooks
    url: asyncapi/aza-finance-webhooks.yml
  - type: ErrorCatalog
    url: errors/aza-finance-problem-types.yml
  - type: DataModel
    url: data-model/aza-finance-data-model.yml
  - type: Arazzo
    url: arazzo/aza-finance-send-payout.yml
- aid: aza-finance:aza-finance-logs-api
  name: AZA Finance Logs API
  description: The Logs API from AZA Finance — 2 operation(s) for logs.
  humanURL: https://docs.transferzero.com/
  baseURL: https://api.transferzero.com/v1
  tags:
  - Logs
  properties:
  - type: OpenAPI
    url: openapi/aza-finance-logs-api-openapi.yml
  - type: APIReference
    url: https://api.transferzero.com/documentation/
  - type: Webhooks
    url: asyncapi/aza-finance-webhooks.yml
  - type: ErrorCatalog
    url: errors/aza-finance-problem-types.yml
  - type: DataModel
    url: data-model/aza-finance-data-model.yml
  - type: Arazzo
    url: arazzo/aza-finance-send-payout.yml
- aid: aza-finance:aza-finance-mandates-api
  name: AZA Finance Mandates API
  description: The Mandates API from AZA Finance — 1 operation(s) for mandates.
  humanURL: https://docs.transferzero.com/
  baseURL: https://api.transferzero.com/v1
  tags:
  - Mandates
  properties:
  - type: OpenAPI
    url: openapi/aza-finance-mandates-api-openapi.yml
  - type: APIReference
    url: https://api.transferzero.com/documentation/
  - type: Webhooks
    url: asyncapi/aza-finance-webhooks.yml
  - type: ErrorCatalog
    url: errors/aza-finance-problem-types.yml
  - type: DataModel
    url: data-model/aza-finance-data-model.yml
  - type: Arazzo
    url: arazzo/aza-finance-send-payout.yml
- aid: aza-finance:aza-finance-payin-methods-api
  name: AZA Finance Payin Methods API
  description: The Payin Methods API from AZA Finance — 2 operation(s) for payin methods.
  humanURL: https://docs.transferzero.com/
  baseURL: https://api.transferzero.com/v1
  tags:
  - Payin Methods
  properties:
  - type: OpenAPI
    url: openapi/aza-finance-payin-methods-api-openapi.yml
  - type: APIReference
    url: https://api.transferzero.com/documentation/
  - type: Webhooks
    url: asyncapi/aza-finance-webhooks.yml
  - type: ErrorCatalog
    url: errors/aza-finance-problem-types.yml
  - type: DataModel
    url: data-model/aza-finance-data-model.yml
  - type: Arazzo
    url: arazzo/aza-finance-send-payout.yml
- aid: aza-finance:aza-finance-payment-methods-api
  name: AZA Finance Payment Methods API
  description: The Payment Methods API from AZA Finance — 2 operation(s) for payment methods.
  humanURL: https://docs.transferzero.com/
  baseURL: https://api.transferzero.com/v1
  tags:
  - Payment Methods
  properties:
  - type: OpenAPI
    url: openapi/aza-finance-payment-methods-api-openapi.yml
  - type: APIReference
    url: https://api.transferzero.com/documentation/
  - type: Webhooks
    url: asyncapi/aza-finance-webhooks.yml
  - type: ErrorCatalog
    url: errors/aza-finance-problem-types.yml
  - type: DataModel
    url: data-model/aza-finance-data-model.yml
  - type: Arazzo
    url: arazzo/aza-finance-send-payout.yml
- aid: aza-finance:aza-finance-payout-methods-api
  name: AZA Finance Payout Methods API
  description: The Payout Methods API from AZA Finance — 2 operation(s) for payout methods.
  humanURL: https://docs.transferzero.com/
  baseURL: https://api.transferzero.com/v1
  tags:
  - Payout Methods
  properties:
  - type: OpenAPI
    url: openapi/aza-finance-payout-methods-api-openapi.yml
  - type: APIReference
    url: https://api.transferzero.com/documentation/
  - type: Webhooks
    url: asyncapi/aza-finance-webhooks.yml
  - type: ErrorCatalog
    url: errors/aza-finance-problem-types.yml
  - type: DataModel
    url: data-model/aza-finance-data-model.yml
  - type: Arazzo
    url: arazzo/aza-finance-send-payout.yml
- aid: aza-finance:aza-finance-recipients-api
  name: AZA Finance Recipients API
  description: The Recipients API from AZA Finance — 3 operation(s) for recipients.
  humanURL: https://docs.transferzero.com/
  baseURL: https://api.transferzero.com/v1
  tags:
  - Recipients
  properties:
  - type: OpenAPI
    url: openapi/aza-finance-recipients-api-openapi.yml
  - type: APIReference
    url: https://api.transferzero.com/documentation/
  - type: Webhooks
    url: asyncapi/aza-finance-webhooks.yml
  - type: ErrorCatalog
    url: errors/aza-finance-problem-types.yml
  - type: DataModel
    url: data-model/aza-finance-data-model.yml
  - type: Arazzo
    url: arazzo/aza-finance-send-payout.yml
- aid: aza-finance:aza-finance-senders-api
  name: AZA Finance Senders API
  description: The Senders API from AZA Finance — 2 operation(s) for senders.
  humanURL: https://docs.transferzero.com/
  baseURL: https://api.transferzero.com/v1
  tags:
  - Senders
  properties:
  - type: OpenAPI
    url: openapi/aza-finance-senders-api-openapi.yml
  - type: APIReference
    url: https://api.transferzero.com/documentation/
  - type: Webhooks
    url: asyncapi/aza-finance-webhooks.yml
  - type: ErrorCatalog
    url: errors/aza-finance-problem-types.yml
  - type: DataModel
    url: data-model/aza-finance-data-model.yml
  - type: Arazzo
    url: arazzo/aza-finance-send-payout.yml
- aid: aza-finance:aza-finance-transactions-api
  name: AZA Finance Transactions API
  description: The Transactions API from AZA Finance — 7 operation(s) for transactions.
  humanURL: https://docs.transferzero.com/
  baseURL: https://api.transferzero.com/v1
  tags:
  - Transaction
  tags_raw:
  - Transactions
  properties:
  - type: OpenAPI
    url: openapi/aza-finance-transactions-api-openapi.yml
  - type: APIReference
    url: https://api.transferzero.com/documentation/
  - type: Webhooks
    url: asyncapi/aza-finance-webhooks.yml
  - type: ErrorCatalog
    url: errors/aza-finance-problem-types.yml
  - type: DataModel
    url: data-model/aza-finance-data-model.yml
  - type: Arazzo
    url: arazzo/aza-finance-send-payout.yml
- aid: aza-finance:aza-finance-webhooks-api
  name: AZA Finance Webhooks API
  description: The Webhooks API from AZA Finance — 3 operation(s) for webhooks.
  humanURL: https://docs.transferzero.com/
  baseURL: https://api.transferzero.com/v1
  tags:
  - Webhook
  tags_raw:
  - Webhooks
  properties:
  - type: OpenAPI
    url: openapi/aza-finance-webhooks-api-openapi.yml
  - type: APIReference
    url: https://api.transferzero.com/documentation/
  - type: Webhooks
    url: asyncapi/aza-finance-webhooks.yml
  - type: ErrorCatalog
    url: errors/aza-finance-problem-types.yml
  - type: DataModel
    url: data-model/aza-finance-data-model.yml
  - type: Arazzo
    url: arazzo/aza-finance-send-payout.yml
common:
- type: CapabilityMap
  url: capabilities/aza-finance-capability-edges.yml
  name: AZA Finance Business Capability Map
- type: Overlay
  url: overlays/aza-finance-openapi-overlay.yaml
- type: DeveloperPortal
  url: https://docs.transferzero.com/
- type: Documentation
  url: https://docs.transferzero.com/docs/home/
- type: APIReference
  url: https://api.transferzero.com/documentation/
- type: GettingStarted
  url: https://docs.transferzero.com/docs/home/
- type: Authentication
  url: authentication/aza-finance-authentication.yml
- type: Packages
  url: packages/aza-finance-packages.yml
- type: SDKs
  url: packages/aza-finance-packages.yml
- type: Sandbox
  url: sandbox/aza-finance-sandbox.yml
- type: Conventions
  url: conventions/aza-finance-conventions.yml
- type: Idempotency
  url: conventions/aza-finance-conventions.yml
- type: Lifecycle
  url: lifecycle/aza-finance-lifecycle.yml
- type: Conformance
  url: conformance/aza-finance-conformance.yml
- type: Webhooks
  url: asyncapi/aza-finance-webhooks.yml
- type: MCPServer
  url: mcp/aza-finance-mcp.yml
- type: AgentSkill
  url: skills/_index.yml
- type: LLMsTxt
  url: llms/aza-finance-llms.txt
- type: WellKnown
  url: well-known/aza-finance-well-known.yml
- type: DomainSecurity
  url: security/aza-finance-domain-security.yml
- type: AgenticAccess
  url: agentic-access/aza-finance-agentic-access.yml
- type: Blog
  url: https://azafinance.com/blog/
- type: GitHubOrganization
  url: https://github.com/transferzero
- type: Support
  url: https://azafinance.com/contact/
- type: TermsOfService
  url: https://azafinance.com/terms-and-use/
- type: PrivacyPolicy
  url: https://azafinance.com/privacy-policy/
- type: SignUp
  url: https://account.azafinance.com/signin
- type: Website
  url: https://www.azafinance.com/
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence

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