Branchintl

Branch International (Branchintl) is a fintech company providing mobile‑first financial services and credit to consumers in emerging markets across Africa and India. Leveraging data science and machine learning, Branch assesses creditworthiness via smartphones, offering loans, savings, and other financial products to the mobile generation, aiming to increase financial inclusion and empower users to build capital and improve their economic wellbeing.

Branchintl is profiled on the APIs.io network. Tagged areas include Fintech, Mobile, Credit, Emerging Markets, and Africa.

Branchintl’s developer surface includes documentation and 15 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

17.2/100 emerging ▲ 7.0 Agent 19/100 agent aware Full breakdown ↓
scored 2026-11-13 · rubric v0.28.0 · Show this score on your site →

0 APIs

Fintech Mobile Credit Emerging Markets Africa India

Kin Score

Kin Score How this is scored →
scored 2026-11-13 · rubric v0.28.0

Composite quality — 17.2/100 · emerging

Contract Quality 0.0 / 21

Developer Ergonomics 3.2 / 17

Access Clarity 5.1 / 17

Operational Transparency 1.0 / 11

Contract Governance 0.0 / 10

Discoverability 3.9 / 9

Regulatory Posture 3.8 / 15

Agent readiness — 19/100 · agent aware

Machine-Readable Contract 0 / 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 0 / 6

Agent Skills 0 / 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 5 / 5

Registration Without a Human 6 / 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 Horizontal (data, software, accessibility, platform) 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):

Machine-Readable Contract +18 pts — api_specs includes an OpenAPI document Ask about this →
MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship Ask about this →
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author Ask about this →
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) Ask about this →
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes Ask about this →
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0 Ask about this →

9 more unmet checks in the Agent Readiness table above.

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

Contract Quality scores 0.0 — up to +25.0 composite points Ask about this →
Developer Ergonomics scores 19.0 — up to +16.2 composite points Ask about this →
Access Clarity scores 29.8 — up to +14.0 composite points Ask about this →

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.

Not sure how this applies to your stack? Ask about any one item. Kin Lane reads every question, looks at your profile and your situation, and replies with what a fix would take — scoped to that one area, priced up front, yours whether you ship it or not. Ask a question →

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/branchintl/apis.yml: open an issue on github.com/api-evangelist/branchintl 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 →

Standards implemented 2

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.

OAuth 2.0 Protected Resource Metadata

measured — observed by APIs.io (verified)

Dynamic Client Registration

measured — observed by APIs.io (published)

Terms of Service 1

What its API terms permit and prohibit, quoted from its own page.

Branchintl

11 quoted statements, read from Branchintl's own page on 2026-11-09.

TERMS

Privacy & Data 1

Its role, the data it processes, retention and transfers, quoted from its own privacy page.

Branchintl

14 quoted statements, read from Branchintl's own page on 2026-11-09.

PRIVACY

Eligibility 1

Who may sign up and where, quoted from its own terms.

Branchintl

5 quoted statements, read from Branchintl's own page on 2026-11-09.

ELIGIBILITY

AI Preferences 1

Its stance on AI training, inference and agents, quoted from its own pages.

Branchintl

1 quoted statement, read from Branchintl's own page on 2026-11-09.

AI PREFS

Security Posture 2

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

Branchintl Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Branchintl Vulnerability Disclosure

no policy recorded

SECURITY

Resources

Get Started 1

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

AIPreferences

AIPreferences

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

WellKnown

WellKnown

Access & Security 3

Authentication, authorization, and security posture

Security

Security

VulnerabilityDisclosure

VulnerabilityDisclosure

DomainSecurity

DomainSecurity

Commercial 3

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

UsageTerms

UsageTerms

Company 2

The organization behind the API

Newsroom

Newsroom

Website

Website

Other 4

Properties that don't map to a standard resource type

Hosts

Vendors

DataProcessing

Eligibility

Source (apis.yml)

aid: branchintl
name: Branchintl
description: Branch International (Branchintl) is a fintech company providing mobile‑first financial services and credit to
  consumers in emerging markets across Africa and India. Leveraging data science and machine learning, Branch assesses creditworthiness
  via smartphones, offering loans, savings, and other financial products to the mobile generation, aiming to increase financial
  inclusion and empower users to build capital and improve their economic wellbeing.
url: https://raw.githubusercontent.com/api-evangelist/branchintl/refs/heads/main/apis.yml
x-type: company
x-source: harvest:secondary-market
x-tier: profiled
x-tier-reason: enrichment pass 2026-10-03 (modular-v1; was harvest)
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  probe_state: unreadable
  source:
  - security
  generated: '2026-11-13'
  method: derived
specificationVersion: '0.20'
created: '2026-10-03'
modified: '2026-10-03'
tags:
- Fintech
- Mobile
- Credit
- Emerging Markets
- Africa
- India
tags_raw:
- fintech
- mobile
- credit
- emerging-markets
- Africa
- India
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: WellKnown
  url: well-known/branchintl-well-known.yml
- type: Hosts
  url: hosts/branchintl-hosts.yml
- type: Vendors
  url: vendors/branchintl-vendors.yml
- type: Security
  url: https://branch.co/security
- type: Newsroom
  url: https://branch.co/news
- type: VulnerabilityDisclosure
  url: security/branchintl-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/branchintl-domain-security.yml
- type: Website
  url: https://branch.co
- type: Documentation
  url: https://branch.co/about
- type: DeveloperPortal
  url: https://branch.co/developers
- type: TermsOfService
  url: https://branch.co/legal/terms-of-use
- type: PrivacyPolicy
  url: https://branch.co/legal/privacy-policies
- type: UsageTerms
  url: terms/branchintl-terms-of-service.yml
- type: DataProcessing
  url: privacy/branchintl-privacy-policy.yml
- type: Eligibility
  url: eligibility/branchintl-eligibility.yml
- type: AIPreferences
  url: ai-preferences/branchintl-ai-preferences.yml
apis: []
x-coverage:
  state: unreadable
  reason: no-machine-readable-spec
  detail: No OpenAPI, AsyncAPI, GraphQL, gRPC, or WSDL contracts were found on the API host.
  evidence:
  - url: https://api.branch.co/openapi.json
    status: 404
  checked: '2026-10-03'
x-enrichment:
  date: '2026-10-03'
  status: enriched
  artifacts_added: 11
  pass: modular-v1
  engine: identity=local,contract=local,surfaces=local,docs=local,regulatory=local

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