Clerkie

Clerkie, operated by Henry Labs Inc. and founded in San Francisco in 2016, is an AI-powered debt management and loan-recovery platform serving both consumers and institutional lenders. The consumer side offers a conversational financial assistant for budgeting, debt negotiation, and personalized repayment planning, while the B2B side — marketed as Fiber, launched in 2021 and now sold on its own domain getfiber.ai — gives lenders, banks, credit unions, and collection agencies an AI-driven recovery suite spanning CRM, an inventory management system (IMS), an AI agent, omnichannel communications, borrower scoring, a self-service payment portal, and workflow automation. Clerkie markets a RESTful API and multi-currency payment processing for lenders to integrate loan portfolios, real-time reporting, and automated repayment arrangements, but publishes no public developer documentation, machine-readable API contract, or self-serve developer portal — integration is arranged through a sales conversation. The company has raised over $41M from Left Lane Capital, Flourish Ventures, Vestigo Ventures, and Citibank.

Clerkie publishes 1 API on the APIs.io network. Tagged areas include Company, fintech, debt-management, lending, and loan-servicing.

Clerkie’s developer surface includes developer portal, engineering blog, signup flow, and 6 more developer resources.

🌐 Visit website 📡 Source on GitHub

18.6/100 emerging ▬ flat Agent 0/100 human only Full breakdown ↓
scored 2026-08-17 · rubric v0.11.0

1 APIs

Companyfintechdebt-managementlendingloan-servicingdebt-collectionpaymentscreditfinancial-servicespersonal-financeai-agentconsumer-finance

Kin Score

Kin Score How this is scored →
scored 2026-08-17 · rubric v0.11.0

Composite quality — 18.6/100 · emerging

Contract Quality 0.0 / 21

Developer Ergonomics 1.9 / 17

Commercial Clarity 5.8 / 17

Operational Transparency 0.0 / 11

Governance 0.0 / 10

Discoverability 6.5 / 9

Regulatory Posture 4.5 / 15

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

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

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

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.

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/.

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/clerkie: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 1

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

Get Started 2

Portal, sign-up, and the first successful call

Portal

Portal

SignUp

SignUp

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

Design & Contract 1

Pagination, idempotency, versioning, errors, and events

Conformance

Conformance

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 2

The organization behind the API

Website

Website

Blog

Blog

Source (apis.yml)

aid: clerkie
name: Clerkie
description: Clerkie, operated by Henry Labs Inc. and founded in San Francisco in 2016, is an AI-powered debt management and
  loan-recovery platform serving both consumers and institutional lenders. The consumer side offers a conversational financial
  assistant for budgeting, debt negotiation, and personalized repayment planning, while the B2B side — marketed as Fiber,
  launched in 2021 and now sold on its own domain getfiber.ai — gives lenders, banks, credit unions, and collection agencies
  an AI-driven recovery suite spanning CRM, an inventory management system (IMS), an AI agent, omnichannel communications,
  borrower scoring, a self-service payment portal, and workflow automation. Clerkie markets a RESTful API and multi-currency
  payment processing for lenders to integrate loan portfolios, real-time reporting, and automated repayment arrangements,
  but publishes no public developer documentation, machine-readable API contract, or self-serve developer portal — integration
  is arranged through a sales conversation. The company has raised over $41M from Left Lane Capital, Flourish Ventures, Vestigo
  Ventures, and Citibank.
image: https://www.clerkie.io/static/clerkie-logo-white-bc35b467de9da2a6e9ab4dfe5fc98170.png
url: https://raw.githubusercontent.com/api-evangelist/clerkie/refs/heads/main/apis.yml
x-type: company
x-source: harvest:secondary-market
specificationVersion: '0.20'
created: '2026-08-09'
modified: '2026-08-09'
tags:
- Company
- fintech
- debt-management
- lending
- loan-servicing
- debt-collection
- payments
- credit
- financial-services
- personal-finance
- ai-agent
- consumer-finance
apis:
- name: Clerkie API
  description: RESTful API marketed to lenders for integrating loan portfolios with Clerkie's recovery platform — payment
    arrangement recommendations, multi-currency payment processing, delinquency intervention, and real-time portfolio reporting.
    The API host is live and answers at its root, but every documentation, specification, and discovery path probed anonymously
    returns an error, and no public developer documentation or machine-readable contract is published; access is arranged
    through Clerkie's sales process.
  humanURL: https://www.clerkie.io/lenders
  baseURL: https://api.clerkie.io/
  tags:
  - fintech
  - lending
  - loan-servicing
  - debt-collection
  - payments
  - financial-services
  properties:
  - type: DomainSecurity
    url: security/clerkie-domain-security.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://www.clerkie.io/
- type: Portal
  url: https://www.getfiber.ai/
- type: Blog
  url: https://www.getfiber.ai/resources
- type: SignUp
  url: https://app.clerkie.io/
- type: TermsOfService
  url: https://s3-us-west-2.amazonaws.com/clerkie-legal/Henry+Labs+-+Terms+of+Use.pdf
- type: PrivacyPolicy
  url: https://s3-us-west-2.amazonaws.com/clerkie-legal/Henry+Labs+-+Privacy+Policy.pdf
- type: LLMsTxt
  url: llms/clerkie-llms.txt
- type: Conformance
  url: conformance/clerkie-conformance.yml
- type: DomainSecurity
  url: security/clerkie-domain-security.yml
x-enrichment:
  date: '2026-08-09'
  status: minimal
  artifacts_added: 4
  pass: local-v1
x-coverage:
  state: gated
  reason: sales-gate
  detail: Clerkie markets a RESTful API to lenders on www.clerkie.io/lenders ("For developers, by developers") but ships no
    developer portal at all — docs.clerkie.io and developers.clerkie.io have no DNS, api.clerkie.io answers its root with
    a health payload and returns HTTP 500 on every documentation and discovery path, api.getfiber.ai returns 403 Forbidden
    on every path behind an AWS load balancer, and the only route to the API is a HubSpot "Contact Sales" form.
  evidence:
  - url: https://www.clerkie.io/lenders
    status: 200
  - url: https://api.clerkie.io/openapi.json
    status: 500
  - url: https://api.getfiber.ai/openapi.json
    status: 403
  - url: https://www.getfiber.ai/docs
    status: 404
  - url: https://share.hsforms.com/1EslFlOk3Q6Gc5rFLq26n1w5n2wx
    status: 200
  checked: '2026-08-09'