# Clerkie

**Canonical:** https://apis.io/providers/clerkie/  
**Website:** https://www.clerkie.io/  
**APIs profiled:** 1

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.

## Kin Score — 18.6 / 100 (emerging)

Scored 2026-08-17 under rubric 0.11.0. Trend: flat (+0.0 from 18.6).

| Facet | Score |
|---|---|
| Discoverability | 75.9 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 10.9 |
| Commercial Clarity | 34.2 |

Regulatory layer — **Payments**: 29.7 (matched via tags).

## Agent readiness — 0.0 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | 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 |

## APIs (1)

- **Clerkie API** — RESTful API marketed to lenders for integrating loan portfolios with Clerkie's recovery platform — payment arrangement recommendations, multi-currency payment processing, delinq...

## Security (1)

- **Clerkie Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC

## Tags

Company, fintech, debt-management, lending, loan-servicing, debt-collection, payments, credit, financial-services, personal-finance, ai-agent, consumer-finance

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