CHIP

CHIP is a Digital Finance Platform for Malaysian businesses, offering services to collect payments, manage cashflow, control expenses, send payouts, and access financing. The platform provides APIs to integrate payment processing, cash management, expense tracking, and payout automation, enabling businesses to streamline financial operations and improve liquidity. CHIP aims to empower SMEs with modern digital finance tools tailored to the Malaysian market, supporting growth and operational efficiency.

CHIP is profiled on the APIs.io network. Tagged areas include Company, Finance, Payments, SME, and Malaysia.

CHIP’s developer surface includes authentication, pricing, getting-started guide, changelog, engineering blog, documentation, API reference, and 15 more developer resources.

🌐 Visit website📡 Profile data on GitHub
37.9/100 thin Agent 14/100 agent aware Full breakdown ↓
scored 2026-10-31 · rubric v0.25.0 · Show this score on your site →
0 APIs
CompanyFinancePaymentsSMEMalaysia

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-10-31 · rubric v0.25.0
Composite quality — 37.9/100 · thin
Contract Quality 0.0 / 21
Developer Ergonomics 10.1 / 17
Access Clarity 13.0 / 17
Operational Transparency 4.7 / 11
Contract Governance 0.0 / 10
Discoverability 4.7 / 9
Regulatory Posture 2.7 / 15
Agent readiness — 14/100 · agent aware
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 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 0 / 7
Rate-Limit Signaling 7 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 4 / 4
Consent & Bot Identity 0 / 3
A2A Agent Card 8 / 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
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 could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.
The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.
Show this score on your site. Kin Score badge preview for CHIP It updates itself when the score changes. Paste this where you link to your API docs: 
<a href="https://apis.io/providers/chip-in-asia/"><img src="https://apis.io/badge/chip-in-asia/card.svg" alt="CHIP on APIs.io — Kin Score by API Evangelist"></a>
Other styles, a README pill and a shields.io endpoint are on the badge page.
Raise your score.
Agent readiness — checks not met, largest first (exact, from this profile):
  • Machine-Readable Contract +18 pts — api_specs includes an OpenAPI document
  • 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
  • Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
  • Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes
  • Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link
9 more unmet checks in the Agent Readiness table above.
Kin Score — facets with the most composite points still available (weight × headroom):
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/chip-in-asia/apis.yml: open an issue on github.com/api-evangelist/chip-in-asia 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 →

Pricing Plans 1

Published pricing tiers and plan structures.

Chip In Asia Plans Pricing

3 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Chip In Asia Rate Limits

1 limits

RATE LIMITS

Security Posture 2

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

Chip In Asia Authentication

2 schemes

SECURITY

Chip In Asia Domain Security

TLSv1.3 · DNSSEC · DMARC

SECURITY

Resources

Get Started 3

Portal, sign-up, and the first successful call

Login
Login
 GettingStarted
GettingStarted
 DeveloperPortal
DeveloperPortal

Documentation 2

Reference material describing how the API behaves

Documentation
Documentation
 APIReference
APIReference

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt
LLMsTxt

Build 3

SDKs, sample code, and the tooling you integrate with

SDKs
SDKs
 Packages
Packages
 GitHubOrganization
GitHubOrganization

Access & Security 2

Authentication, authorization, and security posture

Authentication
Authentication
 DomainSecurity
DomainSecurity

Operate 2

Status, limits, changes, and where to get help

RateLimits
RateLimits
 ChangeLog
ChangeLog

Commercial 4

Pricing, plans, and the legal terms of use

Plans
Plans
 TermsOfService
TermsOfService
 PrivacyPolicy
PrivacyPolicy
 Pricing
Pricing

Company 2

The organization behind the API

Blog
Blog
 Website
Website

Other 3

Properties that don't map to a standard resource type

Vendors
Vendors
 AgentCard
AgentCard
 Hosts
Hosts

Source (apis.yml)

apis.yml Raw ↑ 
aid: chip-in-asia
name: CHIP
image: https://cdn.prod.website-files.com/69d899d232bb80d7f1280cfb/69e20b76b75f63633ff36d37_75706778d66c2dfa1cc3e8aead851e6d_CHIP-OG.avif
description: CHIP is a Digital Finance Platform for Malaysian businesses, offering services to collect payments, manage cashflow,
  control expenses, send payouts, and access financing. The platform provides APIs to integrate payment processing, cash management,
  expense tracking, and payout automation, enabling businesses to streamline financial operations and improve liquidity. CHIP
  aims to empower SMEs with modern digital finance tools tailored to the Malaysian market, supporting growth and operational
  efficiency.
url: https://www.chip-in.asia
x-type: company
x-source: harvest:new-submission
x-tier: profiled
x-tier-reason: enrichment pass 2026-10-26 (modular-v1; was harvest)
specificationVersion: '0.20'
created: '2026-10-26'
modified: '2026-10-26'
tags:
- Company
- Finance
- Payments
- SME
- Malaysia
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Vendors
  url: vendors/chip-in-asia-vendors.yml
- type: RateLimits
  url: rate-limits/chip-in-asia-rate-limits.yml
- type: Plans
  url: plans/chip-in-asia-plans-pricing.yml
- type: Authentication
  url: authentication/chip-in-asia-authentication.yml
- type: LLMsTxt
  url: llms/chip-in-asia-llms.txt
- type: AgentCard
  url: a2a/chip-in-asia-a2a.yml
- type: Hosts
  url: hosts/chip-in-asia-hosts.yml
- type: SDKs
  url: packages/chip-in-asia-packages.yml
- type: Packages
  url: packages/chip-in-asia-packages.yml
- type: TermsOfService
  url: https://chip-in.asia/terms-of-service
- type: PrivacyPolicy
  url: https://chip-in.asia/privacy-policy
- type: Pricing
  url: https://chip-in.asia/pricing
- type: Login
  url: https://referrer.chip-in.asia/login
- type: GitHubOrganization
  url: https://github.com/CHIPAsia
- type: GettingStarted
  url: https://docs.chip-in.asia/chip-collect/overview/quickstart
- type: ChangeLog
  url: https://docs.chip-in.asia/chip-collect/overview/changelog
- type: Blog
  url: https://blog.chip-in.asia
- type: Documentation
  url: https://developer.chip-in.asia/
- type: DeveloperPortal
  url: https://api.whatsapp.com/send?phone=60149362105&text=Hi%20CHIP%20Team%2C%20I%27m%20interested%20to%20activate%20the%20plugins%20sponsored%20by%20CHIP
- type: APIReference
  url: https://docs.chip-in.asia/llms.txt
- type: DomainSecurity
  url: security/chip-in-asia-domain-security.yml
- type: Website
  url: https://chip-in.asia/
apis: []
x-submission-probe: 200 2026-10-25
x-coverage:
  state: unreadable
  reason: js-rendered-docs
  detail: The developer documentation pages are rendered via JavaScript and no machine‑readable OpenAPI or other contract
    could be retrieved.
  evidence:
  - url: https://www.chip-in.asia/docs/api
    status: 404
  checked: '2026-10-26'
x-enrichment:
  date: '2026-10-26'
  status: enriched
  artifacts_added: 14
  pass: modular-v1
  engine: identity=local,contract=local,surfaces=local,docs=local,regulatory=local

CHIP API — frequently asked questions

How do I authenticate with the CHIP API?

CHIP uses bearer-token authentication (2 schemes). The details are profiled on APIs.io as Chip In Asia Authentication.

How much does the CHIP API cost?

APIs.io lists 3 pricing plans for CHIP, with each plan's price, limits and inclusions under Pricing Plans on this page.

Is the CHIP API ready for AI agents?

CHIP has a Kin Score of 37.9 out of 100 (thin) and an Agent Readiness score of 13.7 (agent-aware), scored by API Evangelist on 2026-10-31.

Work with this as data

Every provider here is available over the APIs.io API and to AI agents over MCP.

MCP server

One button, every client — Claude, Cursor, VS Code and the rest.

https://apis.io/mcp

Tools for providers

9 MCP tools reach this
  • find_providersBrowse and filter every provider in the catalog.
  • get_provider_artifactsEvery artifact this provider publishes, grouped by type.
  • get_provider_operationsEvery operation across all of their OpenAPIs — one call instead of parsing every spec.
  • get_provider_toolsEvery MCP tool they ship, with the operation each wraps.
  • get_provider_evidenceHow each part of their score was established. Free — the basis for a claim should not sit behind it.
  • get_provider_ratingPRO — composite, band, trend and facet scores.
  • apis_io_searchSTART HERE — APIs, providers and tags for one query, each with its total.
  • resolveTurn a domain, URL or GitHub org into the provider it belongs to.
  • find_cohortsEvery scored population of providers in the catalog.
All 92 tools →

Call it yourself

curl for this page
This provider 
curl "https://apis.io/api/v1/providers/chip-in-asia"
All providers 
curl "https://apis.io/api/v1/providers?limit=25"
Every operation they expose 
curl "https://apis.io/api/v1/providers/chip-in-asia/operations?limit=25"
How their score was established 
curl "https://apis.io/api/v1/providers/chip-in-asia/evidence"

Discovery needs no key. Ratings and market analysis are Pro.

Get an API key

Free tier, no form to fill in. Signing in shares your email address with us — we store it to create your key and to recognise you if you sign in with another provider. See our Privacy Policy and Terms.

GitHub Google LinkedIn

A second provider on the same verified email joins the account you already have.