# CRED

**Canonical:** https://apis.io/providers/cred/  
**Website:** https://cred.club/  
**APIs profiled:** 0

CRED is an Indian consumer fintech that started with premium credit-card bill payments and rewards and has expanded into peer-to-peer payments (Scan & Pay, Tap to Pay, RuPay credit card on UPI), short-term credit (CRED Cash, CRED Mint), wealth (CRED Money), e-commerce (CRED Store), and travel. CRED's surface area is overwhelmingly consumer-app and the company does not publish a public, self-service developer portal. Its engineering organisation contributes to the broader ecosystem via the engineering.cred.club tech blog and open-source repositories under the CRED-CLUB GitHub org. B2B integrations (merchant acceptance, issuer partnerships, etc.) are negotiated directly with the partnerships team.

## Kin Score — 10.1 / 100 (minimal)

Scored 2026-08-17 under rubric 0.11.0. Trend: flat (+0.0 from 10.1).

| Facet | Score |
|---|---|
| Discoverability | 44.4 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Operational Transparency | 5.3 |
| Developer Ergonomics | 2.2 |
| Commercial Clarity | 7.9 |

Regulatory layer — **Payments**: 26.6 (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 |

## Access

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

## Security (3)

- **Cred Domain Security** — TLSv1.3 · HSTS · DMARC
- **Cred Vulnerability Disclosure** — disclosure policy published
- **Cred Trust Center** — ISO 27001, PCI DSS

## Tags

Consumer Fintech, Credit Cards, Bill Payment, Rewards, UPI, Lending, India

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