Cobre

Cobre is a Latin American B2B payments and treasury platform that gives finance teams, fintechs, PSPs and banks a single API and portal to move money in and out of Colombia and Mexico (and via Fedwire in the United States) and across borders. Its modular products cover Local Payments (Bre-B, Fast Pay, ACH and PSE in Colombia; SPEI and CLABEs in Mexico), Cross Border Payments with FX quotes, Global Payouts in stablecoins, and Connect for centralizing and reconciling bank accounts. The developer API is a REST platform (v1) with bearer-JWT auth via a credential exchange, required idempotency on money movements, page-based pagination, a 30 TPS rate limit, HMAC-signed webhook notifications, and a full portal for maker-checker approvals, reconciliation and reporting. Cobre is a QED Investors portfolio company.

Cobre is listed with 1 API on the APIs.io network: Platform API. Tagged areas include Company, Fintech, Payments, Treasury, and Money Movement.

The Cobre catalog on APIs.io includes 2 event-driven AsyncAPI specifications.

Cobre’s developer surface includes documentation, API reference, getting-started guide, authentication, support, engineering blog, sandbox, and 16 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

38.6/100 thin ▬ flat Agent 32/100 agent ready Front door AI 1/6 silent Full breakdown ↓
scored 2026-10-31 · rubric v0.25.0 · Show this score on your site →

1 API 1 MCP Servers

Company Fintech Payments Treasury Money Movement Cross-Border Payments Foreign Exchange Stablecoins Banking Latin America Colombia Mexico

Kin Score

Kin Score How this is scored →
scored 2026-10-31 · rubric v0.25.0

Composite quality — 38.6/100 · thin

Contract Quality 8.6 / 21

Developer Ergonomics 10.9 / 17

Access Clarity 1.3 / 17

Operational Transparency 4.9 / 11

Contract Governance 1.9 / 10

Discoverability 5.5 / 9

Regulatory Posture 2.6 / 15

Agent readiness — 32/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 12 / 12

Machine-Readable Auth 10 / 10

Idempotency 9 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 6 / 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

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 Banking & Open Finance 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/.

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Agent readiness — checks not met, largest first (exact, from this profile):

Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link
Delegated User Identity +6 pts — a served discovery document listing authorization_code in grant_types_supported (served), else an oauth2 authorizationCode flow or openIdConnect declared in an OpenAPI (documented)
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document
Documented Reversibility +6 pts — a reversal operation in the contract, graded up when a window is documented too

6 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Access Clarity scores 7.9 — up to +18.4 composite points
Contract Quality scores 40.6 — up to +14.9 composite points
Contract Governance scores 18.2 — up to +9.8 composite points

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/cobre/apis.yml: open an issue on github.com/api-evangelist/cobre 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 →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
Stablecoins and Tokenization (stablecoin issuers, tokenized assets)	undeclared	-	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

APIs 1

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

Cobre Platform API

Cobre's REST API (v1) for local and cross-border money movements, accounts and balances, counterparties, Bre-B keys, FX quotes, stablecoin payouts, reports/reconciliation and we...

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

Cobre API Documentation

Local (stdio) MCP server.

MCP SERVER

Rate Limits 1

Documented rate limits and quota policies.

Cobre Rate Limits

1 limits

RATE LIMITS

Event Specifications 2

AsyncAPI definitions for this provider's event-driven and streaming APIs.

Cobre Notifications & Subscriptions

AsyncAPI generated by the API Evangelist enrichment pipeline from Cobre's published webhook event catalog (Notifications & Subscriptions). Cobre delivers signed HTTP POST webhoo...

ASYNCAPI

Cobre Events Webhooks

ASYNCAPI

Security Posture 2

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

Cobre Authentication

http-bearer/token-exchange · 2 schemes

SECURITY

Cobre Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Resources

Get Started 3

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

GettingStarted

GettingStarted

Sandbox

Sandbox

Documentation 3

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

AsyncAPI

AsyncAPI

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

MCPServer

MCPServer

Design & Contract 7

Pagination, idempotency, versioning, errors, and events

Conventions

Idempotency

ErrorCatalog

Webhooks

Lifecycle

Conformance

DataModel

Scroll for all 7

Access & Security 3

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Authentication

Authentication

Compliance

Compliance

Operate 3

Status, limits, changes, and where to get help

Support

Support

StatusPage

StatusPage

RateLimits

RateLimits

Company 2

The organization behind the API

Website

Website

Blog

Blog

Source (apis.yml)

aid: cobre
name: Cobre
description: Cobre is a Latin American B2B payments and treasury platform that gives finance teams, fintechs, PSPs and banks
  a single API and portal to move money in and out of Colombia and Mexico (and via Fedwire in the United States) and across
  borders. Its modular products cover Local Payments (Bre-B, Fast Pay, ACH and PSE in Colombia; SPEI and CLABEs in Mexico),
  Cross Border Payments with FX quotes, Global Payouts in stablecoins, and Connect for centralizing and reconciling bank accounts.
  The developer API is a REST platform (v1) with bearer-JWT auth via a credential exchange, required idempotency on money
  movements, page-based pagination, a 30 TPS rate limit, HMAC-signed webhook notifications, and a full portal for maker-checker
  approvals, reconciliation and reporting. Cobre is a QED Investors portfolio company.
deliveryModel:
  model: unknown
  open_source: false
  commercial: false
  callable_host: false
  label: Delivery model not determined — needs a product licence on record
  confidence: low
  source:
  - none
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - authentication
  - rate-limits
  - security
  - sandbox
  generated: '2026-09-03'
  method: derived
image: https://cdn.prod.website-files.com/67e310fc26a7ea5ef01f179f/68517f73899598147cb51036_banner_site.avif
url: https://raw.githubusercontent.com/api-evangelist/cobre/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- qed-investors
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-18'
x-docs-platform: redoc
x-docs-platform-confidence: medium
x-docs-platform-checked: 2026-09-24
tags:
- Company
- Fintech
- Payments
- Treasury
- Money Movement
- Cross-Border Payments
- Foreign Exchange
- Stablecoins
- Banking
- Latin America
- Colombia
- Mexico
tags_raw:
- Company
- Fintech
- Payments
- Treasury
- Money Movement
- Cross Border Payments
- FX
- Stablecoins
- Banking
- Latin America
- Colombia
- Mexico
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
apis:
- name: Cobre Platform API
  description: Cobre's REST API (v1) for local and cross-border money movements, accounts and balances, counterparties, Bre-B
    keys, FX quotes, stablecoin payouts, reports/reconciliation and webhook subscriptions.
  humanURL: https://docs.cobre.com/
  baseURL: https://api.cobre.co
  tags:
  - Payments
  - Money Movement
  - Cross-Border Payments
  tags_raw:
  - Payments
  - Money Movement
  - Cross Border Payments
  properties:
  - type: Authentication
    url: authentication/cobre-authentication.yml
  - type: Conventions
    url: conventions/cobre-conventions.yml
  - type: Idempotency
    url: conventions/cobre-conventions.yml
  - type: RateLimits
    url: rate-limits/cobre-rate-limits.yml
  - type: ErrorCatalog
    url: errors/cobre-problem-types.yml
  - type: Webhooks
    url: asyncapi/cobre-events-webhooks.yml
  - type: AsyncAPI
    url: asyncapi/cobre-events-asyncapi.yml
  - type: DataModel
    url: data-model/cobre-data-model.yml
  - type: Sandbox
    url: sandbox/cobre-sandbox.yml
common:
- type: DomainSecurity
  url: security/cobre-domain-security.yml
- type: Website
  url: https://www.cobre.com/en-us
- type: DeveloperPortal
  url: https://docs.cobre.com/
- type: Documentation
  url: https://docs.cobre.com/get-started-1737317m0
- type: APIReference
  url: https://docs.cobre.com/quick-start-1886551m0
- type: GettingStarted
  url: https://docs.cobre.com/get-started-1737317m0
- type: Authentication
  url: authentication/cobre-authentication.yml
- type: Support
  url: https://docs.cobre.com/troubleshooting-support-1886537m0
- type: Blog
  url: https://www.cobre.com/blog
- type: StatusPage
  url: https://status.cobre.co/
- type: LLMsTxt
  url: llms/cobre-llms.txt
- type: MCPServer
  url: mcp/cobre-mcp.yml
- type: Conventions
  url: conventions/cobre-conventions.yml
- type: Idempotency
  url: conventions/cobre-conventions.yml
- type: RateLimits
  url: rate-limits/cobre-rate-limits.yml
- type: ErrorCatalog
  url: errors/cobre-problem-types.yml
- type: Webhooks
  url: asyncapi/cobre-events-webhooks.yml
- type: AsyncAPI
  url: asyncapi/cobre-events-asyncapi.yml
- type: Lifecycle
  url: lifecycle/cobre-lifecycle.yml
- type: Sandbox
  url: sandbox/cobre-sandbox.yml
- type: Conformance
  url: conformance/cobre-conformance.yml
- type: Compliance
  url: https://docs.cobre.com/security-at-cobre-1737320m0
- type: DataModel
  url: data-model/cobre-data-model.yml
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence

Cobre API — frequently asked questions

Does Cobre have an API?

Yes. APIs.io lists 1 API from Cobre, including Cobre Platform API.

How do I authenticate with the Cobre API?

Cobre uses bearer-token authentication (http-bearer/token-exchange · 2 schemes). The details are profiled on APIs.io as Cobre Authentication.

Does Cobre have an MCP server?

Yes. APIs.io lists 1 MCP server for Cobre: Local (stdio) MCP server.

Is the Cobre API ready for AI agents?

Cobre has a Kin Score of 38.6 out of 100 (thin) and an Agent Readiness score of 31.9 (agent-ready), scored by API Evangelist on 2026-10-31.

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