Chimoney website screenshot

Chimoney

Chimoney is a developer-first global payouts and disbursement platform with deep coverage across Africa and 130+ countries. Its REST API sends money to bank accounts, mobile money wallets, airtime, gift cards, Chimoney wallets, and Interledger wallet addresses, and manages multicurrency wallets, sub-accounts, redemption, inbound payment collection, and reference lookups (supported banks, assets, exchange rates). Authentication is an API key passed in the X-API-KEY header, issued self-serve from the Chimoney developer dashboard, with a separate sandbox host for testing.

Chimoney publishes 9 APIs on the APIs.io network, including Account API, Info API, Interledger API, and 6 more. Tagged areas include Payouts, Disbursements, Payments, Africa, and Global Payouts.

Chimoney’s developer surface includes authentication, documentation, engineering blog, and 8 more developer resources.

🌐 Visit website 📡 Source on GitHub
34.7/100 thin ▬ flat Agent 22/100 agent aware saas Full breakdown ↓
scored 2026-09-14 · rubric v0.22.0
AccessFreemiumSelf serve⚡ Free to try
1 APIs
PayoutsDisbursementsPaymentsAfricaGlobal PayoutsWalletsMulti-CurrencyGift CardsMobile MoneyFintech

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-09-14 · rubric v0.22.0
Composite quality — 34.7/100 · thin
Contract Quality 10.6 / 19
Developer Ergonomics 4.1 / 15
Access Clarity 5.9 / 15
Operational Transparency 2.3 / 10
Contract Governance 0.0 / 9
Discoverability 5.1 / 8
Regulatory Posture 2.8 / 15
Create-or-Update Ergonomics 0.0 / 10
Agent readiness — 22/100 · agent aware
Machine-Readable Contract 18 / 18
Agentic Access Contract 10 / 10
Documented Reversibility 0 / 6
MCP Server 0 / 12
Machine-Readable Auth 10 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 7 / 7
Rate-Limit Signaling 7 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 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
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/.
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 github.com/api-evangelist/chimoney: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 9

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

Chimoney Account API

Retrieve transactions, public profiles, transfer between accounts, and issue wallet addresses.

Chimoney Info API

Reference lookups: supported banks, assets, exchange rates, currency conversion, and bank account verification.

Chimoney Interledger API

The Interledger API from Chimoney — 5 operation(s) for interledger.

Chimoney MultiCurrency Wallets API

Create and manage multicurrency wallets and transfer between them.

Chimoney Payments API

Initiate and verify inbound payment (collection) requests.

Chimoney Payouts API

Send money to banks, mobile money, airtime, gift cards, Chimoney wallets, Interac, and Interledger wallet addresses.

Chimoney Redeem API

Redeem issued Chimoney, airtime, gift cards, and mobile money.

Chimoney SubAccount API

Create and manage sub-accounts (wallet accounts) and communities under your organization.

Chimoney Wallet API

List, look up, and transfer between Chimoney wallets.

Scroll for all 9

Open Collections 11

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

API Collection

OPEN COLLECTION

Chimoney Account API

OPEN COLLECTION

Chimoney Account Info API

OPEN COLLECTION

Chimoney Account Interledger API

OPEN COLLECTION

Chimoney Account MultiCurrency Wallets API

OPEN COLLECTION

Chimoney Account Payments API

OPEN COLLECTION

Chimoney Account Payouts API

OPEN COLLECTION

Chimoney Account Redeem API

OPEN COLLECTION

Chimoney Account SubAccount API

OPEN COLLECTION

Chimoney Account Wallet API

OPEN COLLECTION

Chimoney API

OPEN COLLECTION

Scroll for all 11

Pricing Plans 1

Published pricing tiers and plan structures.

Chimoney Plans Pricing

3 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Chimoney Rate Limits

2 limits

RATE LIMITS

FinOps 1

Cost, billing, and metering signals for API financial operations.

Chimoney Finops

FINOPS

Security Posture 2

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

Chimoney Authentication

apiKey · 1 scheme

SECURITY

Chimoney Domain Security

TLSv1.3 · DMARC

SECURITY

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Chimoney Agentic Access

52 operations · 39 acting

52 operations · 39 acting

AGENTIC

Resources

Documentation 1

Reference material describing how the API behaves

Documentation
Documentation

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess
AgenticAccess

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization
GitHubOrganization

Access & Security 2

Authentication, authorization, and security posture

DomainSecurity
DomainSecurity
 Authentication
Authentication

Operate 1

Status, limits, changes, and where to get help

RateLimits
RateLimits

Commercial 2

Pricing, plans, and the legal terms of use

Plans
Plans
 FinOps
FinOps

Company 3

The organization behind the API

LinkedIn
LinkedIn
 Website
Website
 Blog
Blog

Source (apis.yml)

apis.yml Raw ↑ 
aid: chimoney
url: https://raw.githubusercontent.com/api-evangelist/chimoney/refs/heads/main/apis.yml
name: Chimoney
kind: company
description: Chimoney is a developer-first global payouts and disbursement platform with deep coverage across Africa and 130+
  countries. Its REST API sends money to bank accounts, mobile money wallets, airtime, gift cards, Chimoney wallets, and Interledger
  wallet addresses, and manages multicurrency wallets, sub-accounts, redemption, inbound payment collection, and reference
  lookups (supported banks, assets, exchange rates). Authentication is an API key passed in the X-API-KEY header, issued self-serve
  from the Chimoney developer dashboard, with a separate sandbox host for testing.
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: freemium
  onboarding: self-serve
  trial: false
  try_now: true
  public: false
  label: Freemium · Self-serve signup
  confidence: high
  source:
  - plans
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/chimoney.png
tags:
- Payouts
- Disbursements
- Payments
- Africa
- Global Payouts
- Wallets
- Multi-Currency
- Gift Cards
- Mobile Money
- Fintech
tags_raw:
- Payouts
- Disbursements
- Payments
- Africa
- Global Payouts
- Wallets
- Multicurrency
- Gift Cards
- Mobile Money
- Fintech
created: '2026-07-12'
modified: '2026-07-12'
specificationVersion: '0.23'
apis:
- aid: chimoney:chimoney-account-api
  name: Chimoney Account API
  description: Retrieve transactions, public profiles, transfer between accounts, and issue wallet addresses.
  humanURL: https://chimoney.readme.io/reference/payouts
  baseURL: https://api.chimoney.io/v0.2
  tags:
  - Account
  properties:
  - type: OpenAPI
    url: openapi/chimoney-account-api-openapi.yml
  - type: Documentation
    url: https://chimoney.readme.io/reference/payouts
  - type: APIReference
    url: https://api.chimoney.io/v0.2/api-docs/
  - type: PostmanCollection
    url: collections/chimoney.postman_collection.json
  - type: OpenCollection
    url: collections/chimoney.opencollection.json
  - type: Documentation
    url: https://chimoney.readme.io/reference/wallets
  - type: Documentation
    url: https://chimoney.readme.io/reference/multicurrency-wallets
  - type: Documentation
    url: https://chimoney.readme.io/reference/sub-accounts
  - type: Documentation
    url: https://chimoney.readme.io/reference/redeem
  - type: Documentation
    url: https://chimoney.readme.io/reference/info
  - type: Documentation
    url: https://chimoney.readme.io/reference/accounts
  - type: Documentation
    url: https://chimoney.readme.io/reference/payments
- aid: chimoney:chimoney-info-api
  name: Chimoney Info API
  description: 'Reference lookups: supported banks, assets, exchange rates, currency conversion, and bank account verification.'
  humanURL: https://chimoney.readme.io/reference/payouts
  baseURL: https://api.chimoney.io/v0.2
  tags:
  - Info
  properties:
  - type: OpenAPI
    url: openapi/chimoney-info-api-openapi.yml
  - type: Documentation
    url: https://chimoney.readme.io/reference/payouts
  - type: APIReference
    url: https://api.chimoney.io/v0.2/api-docs/
  - type: PostmanCollection
    url: collections/chimoney.postman_collection.json
  - type: OpenCollection
    url: collections/chimoney.opencollection.json
  - type: Documentation
    url: https://chimoney.readme.io/reference/wallets
  - type: Documentation
    url: https://chimoney.readme.io/reference/multicurrency-wallets
  - type: Documentation
    url: https://chimoney.readme.io/reference/sub-accounts
  - type: Documentation
    url: https://chimoney.readme.io/reference/redeem
  - type: Documentation
    url: https://chimoney.readme.io/reference/info
  - type: Documentation
    url: https://chimoney.readme.io/reference/accounts
  - type: Documentation
    url: https://chimoney.readme.io/reference/payments
- aid: chimoney:chimoney-interledger-api
  name: Chimoney Interledger API
  description: The Interledger API from Chimoney — 5 operation(s) for interledger.
  humanURL: https://chimoney.readme.io/reference/payouts
  baseURL: https://api.chimoney.io/v0.2
  tags:
  - Interledger
  properties:
  - type: OpenAPI
    url: openapi/chimoney-interledger-api-openapi.yml
  - type: Documentation
    url: https://chimoney.readme.io/reference/payouts
  - type: APIReference
    url: https://api.chimoney.io/v0.2/api-docs/
  - type: PostmanCollection
    url: collections/chimoney.postman_collection.json
  - type: OpenCollection
    url: collections/chimoney.opencollection.json
  - type: Documentation
    url: https://chimoney.readme.io/reference/wallets
  - type: Documentation
    url: https://chimoney.readme.io/reference/multicurrency-wallets
  - type: Documentation
    url: https://chimoney.readme.io/reference/sub-accounts
  - type: Documentation
    url: https://chimoney.readme.io/reference/redeem
  - type: Documentation
    url: https://chimoney.readme.io/reference/info
  - type: Documentation
    url: https://chimoney.readme.io/reference/accounts
  - type: Documentation
    url: https://chimoney.readme.io/reference/payments
- aid: chimoney:chimoney-multicurrency-wallets-api
  name: Chimoney MultiCurrency Wallets API
  description: Create and manage multicurrency wallets and transfer between them.
  humanURL: https://chimoney.readme.io/reference/payouts
  baseURL: https://api.chimoney.io/v0.2
  tags:
  - MultiCurrency Wallets
  properties:
  - type: OpenAPI
    url: openapi/chimoney-multicurrency-wallets-api-openapi.yml
  - type: Documentation
    url: https://chimoney.readme.io/reference/payouts
  - type: APIReference
    url: https://api.chimoney.io/v0.2/api-docs/
  - type: PostmanCollection
    url: collections/chimoney.postman_collection.json
  - type: OpenCollection
    url: collections/chimoney.opencollection.json
  - type: Documentation
    url: https://chimoney.readme.io/reference/wallets
  - type: Documentation
    url: https://chimoney.readme.io/reference/multicurrency-wallets
  - type: Documentation
    url: https://chimoney.readme.io/reference/sub-accounts
  - type: Documentation
    url: https://chimoney.readme.io/reference/redeem
  - type: Documentation
    url: https://chimoney.readme.io/reference/info
  - type: Documentation
    url: https://chimoney.readme.io/reference/accounts
  - type: Documentation
    url: https://chimoney.readme.io/reference/payments
- aid: chimoney:chimoney-payments-api
  name: Chimoney Payments API
  description: Initiate and verify inbound payment (collection) requests.
  humanURL: https://chimoney.readme.io/reference/payouts
  baseURL: https://api.chimoney.io/v0.2
  tags:
  - Payments
  properties:
  - type: OpenAPI
    url: openapi/chimoney-payments-api-openapi.yml
  - type: Documentation
    url: https://chimoney.readme.io/reference/payouts
  - type: APIReference
    url: https://api.chimoney.io/v0.2/api-docs/
  - type: PostmanCollection
    url: collections/chimoney.postman_collection.json
  - type: OpenCollection
    url: collections/chimoney.opencollection.json
  - type: Documentation
    url: https://chimoney.readme.io/reference/wallets
  - type: Documentation
    url: https://chimoney.readme.io/reference/multicurrency-wallets
  - type: Documentation
    url: https://chimoney.readme.io/reference/sub-accounts
  - type: Documentation
    url: https://chimoney.readme.io/reference/redeem
  - type: Documentation
    url: https://chimoney.readme.io/reference/info
  - type: Documentation
    url: https://chimoney.readme.io/reference/accounts
  - type: Documentation
    url: https://chimoney.readme.io/reference/payments
- aid: chimoney:chimoney-payouts-api
  name: Chimoney Payouts API
  description: Send money to banks, mobile money, airtime, gift cards, Chimoney wallets, Interac, and Interledger wallet addresses.
  humanURL: https://chimoney.readme.io/reference/payouts
  baseURL: https://api.chimoney.io/v0.2
  tags:
  - Payouts
  properties:
  - type: OpenAPI
    url: openapi/chimoney-payouts-api-openapi.yml
  - type: Documentation
    url: https://chimoney.readme.io/reference/payouts
  - type: APIReference
    url: https://api.chimoney.io/v0.2/api-docs/
  - type: PostmanCollection
    url: collections/chimoney.postman_collection.json
  - type: OpenCollection
    url: collections/chimoney.opencollection.json
  - type: Documentation
    url: https://chimoney.readme.io/reference/wallets
  - type: Documentation
    url: https://chimoney.readme.io/reference/multicurrency-wallets
  - type: Documentation
    url: https://chimoney.readme.io/reference/sub-accounts
  - type: Documentation
    url: https://chimoney.readme.io/reference/redeem
  - type: Documentation
    url: https://chimoney.readme.io/reference/info
  - type: Documentation
    url: https://chimoney.readme.io/reference/accounts
  - type: Documentation
    url: https://chimoney.readme.io/reference/payments
- aid: chimoney:chimoney-redeem-api
  name: Chimoney Redeem API
  description: Redeem issued Chimoney, airtime, gift cards, and mobile money.
  humanURL: https://chimoney.readme.io/reference/payouts
  baseURL: https://api.chimoney.io/v0.2
  tags:
  - Redeem
  properties:
  - type: OpenAPI
    url: openapi/chimoney-redeem-api-openapi.yml
  - type: Documentation
    url: https://chimoney.readme.io/reference/payouts
  - type: APIReference
    url: https://api.chimoney.io/v0.2/api-docs/
  - type: PostmanCollection
    url: collections/chimoney.postman_collection.json
  - type: OpenCollection
    url: collections/chimoney.opencollection.json
  - type: Documentation
    url: https://chimoney.readme.io/reference/wallets
  - type: Documentation
    url: https://chimoney.readme.io/reference/multicurrency-wallets
  - type: Documentation
    url: https://chimoney.readme.io/reference/sub-accounts
  - type: Documentation
    url: https://chimoney.readme.io/reference/redeem
  - type: Documentation
    url: https://chimoney.readme.io/reference/info
  - type: Documentation
    url: https://chimoney.readme.io/reference/accounts
  - type: Documentation
    url: https://chimoney.readme.io/reference/payments
- aid: chimoney:chimoney-subaccount-api
  name: Chimoney SubAccount API
  description: Create and manage sub-accounts (wallet accounts) and communities under your organization.
  humanURL: https://chimoney.readme.io/reference/payouts
  baseURL: https://api.chimoney.io/v0.2
  tags:
  - Sub-Account
  tags_raw:
  - SubAccount
  properties:
  - type: OpenAPI
    url: openapi/chimoney-subaccount-api-openapi.yml
  - type: Documentation
    url: https://chimoney.readme.io/reference/payouts
  - type: APIReference
    url: https://api.chimoney.io/v0.2/api-docs/
  - type: PostmanCollection
    url: collections/chimoney.postman_collection.json
  - type: OpenCollection
    url: collections/chimoney.opencollection.json
  - type: Documentation
    url: https://chimoney.readme.io/reference/wallets
  - type: Documentation
    url: https://chimoney.readme.io/reference/multicurrency-wallets
  - type: Documentation
    url: https://chimoney.readme.io/reference/sub-accounts
  - type: Documentation
    url: https://chimoney.readme.io/reference/redeem
  - type: Documentation
    url: https://chimoney.readme.io/reference/info
  - type: Documentation
    url: https://chimoney.readme.io/reference/accounts
  - type: Documentation
    url: https://chimoney.readme.io/reference/payments
- aid: chimoney:chimoney-wallet-api
  name: Chimoney Wallet API
  description: List, look up, and transfer between Chimoney wallets.
  humanURL: https://chimoney.readme.io/reference/payouts
  baseURL: https://api.chimoney.io/v0.2
  tags:
  - Wallets
  tags_raw:
  - Wallet
  properties:
  - type: OpenAPI
    url: openapi/chimoney-wallet-api-openapi.yml
  - type: Documentation
    url: https://chimoney.readme.io/reference/payouts
  - type: APIReference
    url: https://api.chimoney.io/v0.2/api-docs/
  - type: PostmanCollection
    url: collections/chimoney.postman_collection.json
  - type: OpenCollection
    url: collections/chimoney.opencollection.json
  - type: Documentation
    url: https://chimoney.readme.io/reference/wallets
  - type: Documentation
    url: https://chimoney.readme.io/reference/multicurrency-wallets
  - type: Documentation
    url: https://chimoney.readme.io/reference/sub-accounts
  - type: Documentation
    url: https://chimoney.readme.io/reference/redeem
  - type: Documentation
    url: https://chimoney.readme.io/reference/info
  - type: Documentation
    url: https://chimoney.readme.io/reference/accounts
  - type: Documentation
    url: https://chimoney.readme.io/reference/payments
common:
- type: AgenticAccess
  url: agentic-access/chimoney-agentic-access.yml
- type: DomainSecurity
  url: security/chimoney-domain-security.yml
- type: Authentication
  url: authentication/chimoney-authentication.yml
- type: GitHubOrganization
  url: https://github.com/Chimoney
- type: LinkedIn
  url: https://www.linkedin.com/company/chimoney
- type: Website
  url: https://chimoney.io
- type: Documentation
  url: https://chimoney.readme.io
- type: Plans
  url: plans/chimoney-plans-pricing.yml
- type: RateLimits
  url: rate-limits/chimoney-rate-limits.yml
- type: FinOps
  url: finops/chimoney-finops.yml
- url: https://chimoney.io/blogs
  type: Blog
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

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