# Butn

**Canonical:** https://apis.io/providers/butn/  
**Website:** https://www.butn.co/  
**APIs profiled:** 0

Butn is an Australian embedded-finance company that funds business cashflow at the point of transaction, plugging invoice finance, outsourced credit terms, and supplier "pay now, settle later" directly into the platforms its business customers already use. Its funding products — Butn X (invoice finance to draw cash early against receivables), Butn Terms (outsourced buyer credit where Butn carries the risk), and Butn Pay (paying suppliers upfront in exchange for extended repayment) — are designed to be embedded into partner marketplaces, accounting tools, and B2B platforms such as MYOB, Salesforce, and FoodByUs rather than sold as a standalone destination. Butn sits in the spend / accounts payable and accounts receivable financing layer of Australia's payments market, where money movement rides the New Payments Platform and the banks opened by the Consumer Data Right. Its integration and embedding are delivered through private, partner-provisioned APIs: Butn markets "plug and play" embedding for partners but does not operate a public self-serve developer portal, publish downloadable OpenAPI/Swagger definitions, or expose openly documented API reference material as of this profile.

## Kin Score — 12.3 / 100 (emerging)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 12.3).

| Facet | Score |
|---|---|
| Discoverability | 50.0 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 16.7 |
| Commercial Clarity | 27.6 |
| Access Clarity | 27.6 |

Regulatory layer — **Payments**: 21.9 (matched via tags).

## Agent readiness — 0.0 (human-only)

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

## Access

Partner-provisioned · No public self-serve API — onboarding: unknown, pricing: unknown, trial: no (confidence: high).

## Security (1)

- **Butn Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Payments, Australia, Embedded Finance, Invoice Finance, Accounts Receivable, Accounts Payable, B2B BNPL, Business Lending, Cash Flow, Working Capital

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