# Celcoin

**Canonical:** https://apis.io/providers/celcoin/  
**Website:** https://www.celcoin.com.br/  
**APIs profiled:** 15

Celcoin is a Brazilian Banking-as-a-Service (BaaS) infratech platform that provides REST APIs for Pix, boleto, TED transfers, bill payments, prepaid and post-paid cards, digital account opening, open banking integration, and credit operations. Processing over R$30 billion monthly across 6,000+ clients, Celcoin enables fintechs, digital banks, and enterprises to embed financial services without a banking license.

## Kin Score — 37.3 / 100 (thin)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 37.3).

| Facet | Score |
|---|---|
| Discoverability | 74.1 |
| Contract Quality | 48.2 |
| Governance | 15.2 |
| Contract Governance | 15.2 |
| Operational Transparency | 21.1 |
| Developer Ergonomics | 23.8 |
| Commercial Clarity | 50.0 |
| Access Clarity | 50.0 |

Regulatory layer — **Banking & Open Finance**: 21.5 (matched via tags).

## Agent readiness — 40.9 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | documented |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | verified |
| OpenAPI Examples | partial |
| Rate Limit Signal | documented |
| Event Surface Described | no |
| Agent Skills | no |
| 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: high).

## APIs (15)

- **Celcoin Card Solutions API** — APIs for white-label card account creation and management, card issuance and tracking, transaction simulation, post-paid invoice management, recurring subscriptions, and webhook...
- **Celcoin Payments API** — Embedded payment APIs covering bill payments, mobile recharges, vehicle debit, payment gateway with multi-acquirer support, Pix instant payments, withdrawals and deposits, and P...
- **Celcoin Open Finance API** — Open Finance and Open Banking APIs for Payment Initiation (ITP with and without redirect), account linking with FIDO biometrics, data sharing and consent management, and sweepin...
- **Celcoin AnnotationCompetenceCalendar API** — The AnnotationCompetenceCalendar API from Celcoin — 1 operation(s) for annotationcompetencecalendar.
- **Celcoin BankCorrespondentAgent API** — The BankCorrespondentAgent API from Celcoin — 2 operation(s) for bankcorrespondentagent.
- **Celcoin Consignee API** — The Consignee API from Celcoin — 1 operation(s) for consignee.
- **Celcoin Files API** — The Files API from Celcoin — 1 operation(s) for files.
- **Celcoin Guarantee API** — The Guarantee API from Celcoin — 21 operation(s) for guarantee.
- **Celcoin LegacyGuarantee API** — The LegacyGuarantee API from Celcoin — 1 operation(s) for legacyguarantee.
- **Celcoin LegalPerson API** — The LegalPerson API from Celcoin — 1 operation(s) for legalperson.
- **Celcoin NaturalPerson API** — The NaturalPerson API from Celcoin — 2 operation(s) for naturalperson.
- **Celcoin OutstandingBalance API** — The OutstandingBalance API from Celcoin — 4 operation(s) for outstandingbalance.
- **Celcoin Proposal API** — The Proposal API from Celcoin — 2 operation(s) for proposal.
- **Celcoin Settlement API** — The Settlement API from Celcoin — 2 operation(s) for settlement.
- **Celcoin TaggingJourney API** — The TaggingJourney API from Celcoin — 1 operation(s) for taggingjourney.

## Agentic access (1)

- **Celcoin Agentic Access** — 45 operations · 31 acting

## Security (2)

- **Celcoin Authentication** — apiKey/http · 3 schemes
- **Celcoin Domain Security** — TLSv1.3 · HSTS · DMARC

## Plans (1)

- **Celcoin Plans Pricing**

## Tags

Banking as a Service, Backend-as-a-Service, Pix, Boleto, TED, Bill Payments, Prepaid Cards, Digital Accounts, Open Banking, Open Finance, Credit, Fintech, Brazil, Financial Infrastructure

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