CashFlo

CashFlo is an India-based fintech platform that automates enterprise finance operations across accounts payable, payments, GST compliance, vendor management, and supply-chain financing. Its modules cover invoice OCR and n-way matching, approval workflows, multi-bank payments and reconciliation, GST filing / e-invoicing / e-way bills, vendor onboarding and KYC, and dynamic cash discounting for working-capital optimization. CashFlo connects to major ERPs (SAP ECC/S4 HANA/Business One, Oracle NetSuite/Fusion/EBS, Microsoft Dynamics 365/NAV/Business Central) and exposes a JWT-secured Data Ingestion API for pushing purchase orders and goods-receipt notes into the platform. Backed by General Catalyst.

CashFlo publishes 1 API contract indexed on the APIs.io network: Ingest API. Tagged areas include Company, Fintech, Accounts Payable, Payments, and Working Capital.

The CashFlo catalog on APIs.io includes 1 Spectral governance ruleset.

CashFlo’s developer surface includes documentation, API reference, authentication, engineering blog, support, and 16 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

38.3/100 thin ▬ flat Agent 25/100 agent aware Front door AI 3/6 light Heartbeat 13/100 slowing saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

1 published contract 2 Agent Skills

Company Fintech Accounts Payable Payments Working Capital Supply Chain Finance ERP Integration Compliance India

What this lets a business do 1

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

Procurement Management

BC-500

Ingest

POST /v1/ingest/purchase-orders POST /v1/ingest/grns

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 38.3/100 · thin

Contract Quality 8.7 / 19

Developer Ergonomics 7.1 / 15

Access Clarity 5.3 / 15

Operational Transparency 0.3 / 10

Contract Governance 1.6 / 9

Discoverability 5.5 / 8

Regulatory Posture 4.0 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 25/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 0 / 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 0 / 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 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 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.

Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% 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):

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Rate-Limit Signaling +7 pts — OpenAPI responses document X-RateLimit-* / RateLimit headers (verified), else a rate_limits artifact or RateLimits link (documented)
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document
Delegated User Identity +6 pts — a served discovery document listing authorization_code in grant_types_supported (served), else an oauth2 authorizationCode flow or openIdConnect declared in an OpenAPI (documented)

7 more unmet checks in the Agent Readiness table above.

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

Contract Quality scores 46.3 — up to +13.4 composite points
Access Clarity scores 35.5 — up to +12.9 composite points
Operational Transparency scores 2.6 — up to +12.7 composite points

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.

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

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
India RBI Regulated Entities (payment system operators, payment aggregators, PPI issuers, NBFCs, AAs)	undeclared	-	-	-
India RBI / SEBI Registers (SEBI intermediaries, RBI NBFCs, payment aggregators, PPI issuers, AAs)	undeclared	-	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Standards implemented 1

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.

OpenAPI

measured — observed by APIs.io (published)

APIs 1

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

CashFlo Ingest API

The Ingest API from CashFlo — 3 operation(s) for ingest.

Open Collections 1

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

Cashflo Data Ingestion API Documentation Ingest API

OPEN COLLECTION

Agent Skills 2

Packaged agent skills for driving this provider's APIs from an AI assistant.

Ingest goods-receipt notes (GRNs) into CashFlo

AGENT SKILL

Ingest purchase orders into CashFlo and reconcile errors

AGENT SKILL

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

CashFlo API Rules

48 rules · 46 errors 1 warnings 1 info

SPECTRAL

OpenAPI Overlays 1

Overlays applied on top of this provider's contracts. Each card says who wrote it: a document the provider publishes, or one API Evangelist derived or generated.

Cashflo Data Ingestion Overlay

4 actions · documentation · cashflo-data-ingestion-openapi.json

DERIVED

Security Posture 2

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

Cashflo Authentication

apiKey · 1 scheme

SECURITY

Cashflo Domain Security

TLSv1.3 · DMARC

SECURITY

Resources

Get Started 2

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

Login

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 3

MCP servers, agent skills, and machine-readable catalogs

AgentSkill

AgentSkill

X-MCPServerCandidate

X-MCPServerCandidate

LLMsTxt

LLMsTxt

Design & Contract 3

Pagination, idempotency, versioning, errors, and events

Idempotency

Idempotency

Conformance

Conformance

Lifecycle

Lifecycle

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Access & Security 3

Authentication, authorization, and security posture

Authentication

Authentication

DomainSecurity

DomainSecurity

TrustCenter

TrustCenter

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 2

Properties that don't map to a standard resource type

CapabilityMap

CapabilityMap

Overlay

Overlay

Source (apis.yml)

aid: cashflo
name: CashFlo
description: CashFlo is an India-based fintech platform that automates enterprise finance operations across accounts payable,
  payments, GST compliance, vendor management, and supply-chain financing. Its modules cover invoice OCR and n-way matching,
  approval workflows, multi-bank payments and reconciliation, GST filing / e-invoicing / e-way bills, vendor onboarding and
  KYC, and dynamic cash discounting for working-capital optimization. CashFlo connects to major ERPs (SAP ECC/S4 HANA/Business
  One, Oracle NetSuite/Fusion/EBS, Microsoft Dynamics 365/NAV/Business Central) and exposes a JWT-secured Data Ingestion API
  for pushing purchase orders and goods-receipt notes into the platform. Backed by General Catalyst.
url: https://raw.githubusercontent.com/api-evangelist/cashflo/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- general-catalyst
x-tier: profiled
x-tier-reason: enriched-from-developer-surface
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: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - authentication
  - security
  generated: '2026-11-06'
  method: derived
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-18'
image: https://cdn.prod.website-files.com/649d312d8aeae2926e7af2fe/674acdb7d5b408c0e8e9cf34_Homepage.webp
x-docs-platform: redocly
x-docs-platform-confidence: medium
x-docs-platform-checked: 2026-09-21
x-docs-hosting: aws-cloudfront
tags:
- Company
- Fintech
- Accounts Payable
- Payments
- Working Capital
- Supply Chain Finance
- ERP Integration
- Compliance
- India
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
apis:
- aid: cashflo:cashflo-ingest-api
  name: CashFlo Ingest API
  description: The Ingest API from CashFlo — 3 operation(s) for ingest.
  humanURL: https://developer.cashflo.io
  baseURL: https://developer.cashflo.io
  tags:
  - Ingest
  properties:
  - type: OpenAPI
    url: openapi/cashflo-ingest-api-openapi.yml
  - type: Authentication
    url: authentication/cashflo-authentication.yml
  - type: ErrorCatalog
    url: errors/cashflo-problem-types.yml
  - type: Conventions
    url: conventions/cashflo-conventions.yml
  - type: DataModel
    url: data-model/cashflo-data-model.yml
common:
- type: CapabilityMap
  url: capabilities/cashflo-capability-edges.yml
  name: CashFlo Business Capability Map
- type: Website
  url: https://www.cashflo.io/
- type: AgentSkill
  url: skills/cashflo-ingest-grns.md
- type: X-MCPServerCandidate
  url: mcp/cashflo-mcp.yml
  note: 'Renamed from MCPServer 2026-09-03 (roadmap#247): the manifest self-describes as status: candidate — a tool list derived
    from the published API contracts, not an existing server. The scorer already read the manifest and reported mcp_server
    correctly; the MCPServer type was crediting the artifact-type surfaces with a server that does not exist.'
- type: Overlay
  url: overlays/cashflo-data-ingestion-overlay.yaml
- type: DeveloperPortal
  url: https://developer.cashflo.io
- type: Documentation
  url: https://developer.cashflo.io
- type: APIReference
  url: https://developer.cashflo.io
- type: Authentication
  url: authentication/cashflo-authentication.yml
- type: Idempotency
  url: conventions/cashflo-conventions.yml
- type: Conformance
  url: conformance/cashflo-conformance.yml
- type: Lifecycle
  url: lifecycle/cashflo-lifecycle.yml
- type: DomainSecurity
  url: security/cashflo-domain-security.yml
- type: LLMsTxt
  url: llms/cashflo-llms.txt
- type: TrustCenter
  url: https://trust.cashflo.io
- type: GitHubOrganization
  url: https://github.com/cashflo
- type: Blog
  url: https://www.cashflo.io/magazine
- type: Login
  url: https://app.cashflo.io/#/account/login
- type: Support
  url: https://www.cashflo.io/talk-to-us
- type: TermsOfService
  url: https://www.cashflo.io/tnc/terms-of-use
- type: PrivacyPolicy
  url: https://www.cashflo.io/tnc/privacy-policy
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence

CashFlo API — frequently asked questions

Does CashFlo have an API?

Yes. APIs.io lists 1 API from CashFlo, including CashFlo Ingest API.

Is there an OpenAPI specification for the CashFlo API?

Yes. APIs.io indexes 1 OpenAPI specification for CashFlo, each linked for download from this page.

How do I authenticate with the CashFlo API?

CashFlo uses bearer-token authentication (apiKey · 1 scheme). The details are profiled on APIs.io as Cashflo Authentication.

Is the CashFlo API ready for AI agents?

CashFlo has a Kin Score of 38.3 out of 100 (thin) and an Agent Readiness score of 24.6 (agent-aware), scored by API Evangelist on 2026-11-06.

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