# CertifID

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

CertifID is a wire fraud prevention, identity verification and funds protection platform for the real estate closing process, serving title agents, law firms, real estate agents, lenders and home buyers and sellers. Its products verify the identities of transaction participants, verify business and bank account ownership, securely share and confirm wiring instructions, order and verify mortgage payoffs, collect earnest money and cash-to-close payments, provide secure eSigning, and insure wires against fraud loss. CertifID exposes a public "CertifID V2 APIs" REST surface at api.certifid.com for third-party integrations, documented with a live OpenAPI 3.0.1 definition served from Swagger UI and secured with Auth0-backed OAuth 2.0.

## Kin Score — 44.5 / 100 (developing)

Scored 2026-08-17 under rubric 0.11.0. Trend: flat (+0.0 from 44.5).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 41.5 |
| Governance | 20.8 |
| Operational Transparency | 36.8 |
| Developer Ergonomics | 27.7 |
| Commercial Clarity | 50.0 |

Regulatory layer — **Payments**: 62.5 (matched via tags).

## Agent readiness — 36.3 (agent-ready)

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

## APIs (15)

- **CertifID Account Verifications API** — The AccountVerifications API from CertifID — 4 operation(s) for accountverifications.
- **CertifID Bank Lookup API** — The BankLookup API from CertifID — 2 operation(s) for banklookup.
- **CertifID Collect Request API** — The CollectRequest API from CertifID — 3 operation(s) for collectrequest.
- **CertifID Confirm Request API** — The ConfirmRequest API from CertifID — 3 operation(s) for confirmrequest.
- **CertifID Disbursements API** — The Disbursements API from CertifID — 10 operation(s) for disbursements.
- **CertifID Identity Request API** — The IdentityRequest API from CertifID — 4 operation(s) for identityrequest.
- **CertifID Integration API** — The Integration API from CertifID — 12 operation(s) for integration.
- **CertifID Lenders API** — The Lenders API from CertifID — 2 operation(s) for lenders.
- **CertifID Location API** — The Location API from CertifID — 2 operation(s) for location.
- **CertifID Payoff Ordering API** — The PayoffOrdering API from CertifID — 6 operation(s) for payoffordering.
- **CertifID Send Request API** — The SendRequest API from CertifID — 3 operation(s) for sendrequest.
- **CertifID Test API** — The Test API from CertifID — 3 operation(s) for test.
- **CertifID Underwriter API** — The Underwriter API from CertifID — 1 operation(s) for underwriter.
- **CertifID Users API** — The Users API from CertifID — 1 operation(s) for users.
- **CertifID Wiring Instructions API** — The WiringInstructions API from CertifID — 1 operation(s) for wiringinstructions.

## MCP servers (1)

- **certifid-mcp.yml**

## Security (2)

- **Certifid Authentication** — oauth2 · 1 scheme
- **Certifid Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC

## Tags

Company, Wire Fraud Prevention, Real Estate, Title Insurance, Identity Verification, Business Verification, Payments, Fraud Prevention, Escrow and Settlement, Financial Services, Security

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