Circle Asia

Circle Asia Technologies is a Singapore-headquartered consumer fintech (offices at 68 Circular Road, Singapore, and Ho Chi Minh City, Vietnam) behind the Circle app and the VPBank Circle PayLater credit card, a digital buy-now-pay-later card issued in partnership with Vietnam Prosperity Joint Stock Commercial Bank (VPBank). The product lets consumers onboard with only an ID and phone number, waives the lifetime annual fee, and pairs a physical and virtual card with AI-assisted expense management, spending limits, one-tap card lock, biometric (face/fingerprint) authentication, and real-time SMS/app transaction alerts. The company is PCI DSS v4.0.1 certified and Visa-compliant, ships native iOS and Android apps, and is backed by 500 Global. Circle Asia is a consumer application company with no public developer API; this profile captures its identity, security posture, and compliance claims for the API Evangelist network.

Circle Asia is profiled on the APIs.io network. Tagged areas include Company, Fintech, Payments, Credit Cards, and Buy Now Pay Later.

Circle Asia’s developer surface includes support and 5 more developer resources.

🌐 Visit website 📡 Source on GitHub

13.0/100 minimal ▬ flat Agent 0/100 human only Full breakdown ↓
scored 2026-07-27 · rubric v0.5

0 APIs

CompanyFintechPaymentsCredit CardsBuy Now Pay LaterConsumer FinanceMobile BankingVietnamSoutheast Asia

Kin Score

Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5

Composite quality — 13.0/100 · minimal

Contract Quality 0.0 / 25

Developer Ergonomics 0.9 / 20

Commercial Clarity 1.6 / 20

Operational Transparency 0.0 / 13

Governance 0.0 / 12

Discoverability 6.8 / 10

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 15

MCP Server 0 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/circle-asia: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

Design & Contract 1

Pagination, idempotency, versioning, errors, and events

Conformance

Conformance

Access & Security 2

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Compliance

Compliance

Operate 2

Status, limits, changes, and where to get help

Support

Support

HelpCenter

HelpCenter

Company 1

The organization behind the API

Website

Website

Source (apis.yml)

aid: circle-asia
name: Circle Asia
description: Circle Asia Technologies is a Singapore-headquartered consumer fintech (offices at 68 Circular Road, Singapore,
  and Ho Chi Minh City, Vietnam) behind the Circle app and the VPBank Circle PayLater credit card, a digital buy-now-pay-later
  card issued in partnership with Vietnam Prosperity Joint Stock Commercial Bank (VPBank). The product lets consumers onboard
  with only an ID and phone number, waives the lifetime annual fee, and pairs a physical and virtual card with AI-assisted
  expense management, spending limits, one-tap card lock, biometric (face/fingerprint) authentication, and real-time SMS/app
  transaction alerts. The company is PCI DSS v4.0.1 certified and Visa-compliant, ships native iOS and Android apps, and is
  backed by 500 Global. Circle Asia is a consumer application company with no public developer API; this profile captures
  its identity, security posture, and compliance claims for the API Evangelist network.
url: https://raw.githubusercontent.com/api-evangelist/circle-asia/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- 500-global
x-tier: stub
x-tier-reason: portfolio-lead
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source: []
  generated: '2026-07-22'
  method: derived
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-18'
image: https://static.wixstatic.com/media/d9a4dd_c7c2e84652e04a14ae768d27a9eedf27~mv2.png
tags:
- Company
- Fintech
- Payments
- Credit Cards
- Buy Now Pay Later
- Consumer Finance
- Mobile Banking
- Vietnam
- Southeast Asia
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: DomainSecurity
  url: security/circle-asia-domain-security.yml
- type: Website
  url: https://getcircle.ai
- type: Support
  url: mailto:hello@getcircle.ai
- type: HelpCenter
  url: https://www.getcircle.ai/faq
- type: Compliance
  url: https://www.getcircle.ai/baomat
- type: Conformance
  url: conformance/circle-asia-conformance.yml
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence