# Circle Asia

**Canonical:** https://apis.io/providers/circle-asia/  
**Website:** https://getcircle.ai  
**APIs profiled:** 0

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.

## Kin Score — 8.6 / 100 (minimal)

Scored 2026-08-21 under rubric 0.12.0. Trend: flat (+0.0 from 8.6).

| Facet | Score |
|---|---|
| Discoverability | 50.0 |
| Contract Quality | 0.0 |
| Governance | 18.2 |
| Contract Governance | 18.2 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 4.8 |
| Commercial Clarity | 7.9 |
| Access Clarity | 7.9 |

Regulatory layer — **Payments**: 25.0 (matched via tags).

## Agent readiness — 0.0 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| 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 |

## Access

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## Security (1)

- **Circle Asia Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Company, Fintech, Payments, Credit Cards, Buy Now Pay Later, Consumer Finance, Mobile Banking, Vietnam, Southeast Asia

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