# Cermati

**Canonical:** https://apis.io/providers/cermati/  
**Website:** https://www.cermati.com/  
**APIs profiled:** 1

Cermati (PT Agregasi Cermat Indonesia) is a fintech aggregator offering a platform for loans, credit cards, insurance, investments and gold products in Indonesia. It provides consumers with information and access to thousands of financial products, and offers API access to product data for developers. Registered with OJK, it operates via its website https://www.cermati.com and mobile app.

## Kin Score — 19.8 / 100 (emerging)

Scored 2026-10-09 under rubric 0.23.0.

| Facet | Score |
|---|---|
| Discoverability | 57.1 |
| Contract Quality | 24.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 5.3 |
| Developer Ergonomics | 19.0 |
| Access Clarity | 21.1 |

Regulatory layer — **Insurance**: 12.3 (matched via tags).

## Agent readiness — 12.9 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| 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 |
| Delegated Identity | no |
| Protected Resource Metadata | no |
| Dynamic Client Registration | no |
| Agentic Commerce | no |

## APIs (1)

- **Cermati Protect Generic Insurance API** — This is the documentation of Cermati Protect Generic Insurance API

## Security (1)

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

## Tags

Fintech, Loans, CreditCards, Insurance, Investments, Indonesia

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