Credgenics website screenshot

Credgenics

Credgenics is an AI-powered debt collection and loan recovery SaaS platform used by banks, NBFCs, housing-finance companies, microfinance institutions, fintechs and asset-reconstruction companies (primarily in India). Its REST Recovery API lets lenders push loan, customer, payment and transaction data into the platform and read collections status, DPD and penalties back, alongside digital communications, a GenAI voicebot (Swara), predictive dialing (DialNext), field collections (CG Collect), litigation management, online dispute resolution and the Billzy loan-repayment payments product. Authentication is a client-credentials exchange returning a short-lived `authenticationtoken`; every request carries the tenant `company_id`.

Credgenics publishes 3 APIs on the APIs.io network: Authentication API, Credit Line API, and Lending API. Tagged areas include Company, Enterprise, Financial Services, Debt Collection, and Loan Recovery.

The Credgenics catalog on APIs.io includes 1 event-driven AsyncAPI specification.

Credgenics’ developer surface includes documentation, API reference, getting-started guide, engineering blog, authentication, and 21 more developer resources.

🌐 Visit website 📡 Source on GitHub
52.0/100 developing ▬ flat Agent 75/100 agent native Full breakdown ↓
scored 2026-07-27 · rubric v0.5
AccessSelf serve
3 APIs 1 MCP Servers
CompanyEnterpriseFinancial ServicesDebt CollectionLoan RecoveryLendingCollectionsFintechIndia

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 52.0/100 · developing
Contract Quality 17.7 / 25
Developer Ergonomics 12.6 / 20
Commercial Clarity 10.0 / 20
Operational Transparency 1.7 / 13
Governance 0.0 / 12
Discoverability 10.0 / 10
Agent readiness — 75/100 · agent native
Machine-Readable Contract 18 / 18
Agentic Access Contract 15 / 15
MCP Server 12 / 12
Machine-Readable Auth 10 / 10
Idempotency 0 / 9
Stable Error Semantics 8 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 6 / 6
Agent Skills 5 / 5
Well-Known Catalog 4 / 4
Consent & Bot Identity 0 / 3
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/credgenics: 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 3

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

Credgenics Authentication API

Client-credentials access-token exchange.

Credgenics Credit Line API

Customer and transaction ingestion for credit-line products.

Credgenics Lending API

Loan and payment ingestion and retrieval.

MCP Servers 1

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

credgenics-mcp.yml

MCP SERVER

Event Specifications 1

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

Credgenics Webhooks

ASYNCAPI

Security Posture 3

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

Credgenics Authentication

apiKey · 1 scheme

SECURITY

Credgenics Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Credgenics Trust Center

PCI DSS, ISO (certificate displayed; specific ISO standard not named on the page)

SECURITY

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Credgenics Agentic Access

7 operations · 5 acting

7 operations · 5 acting

AGENTIC

Resources

Get Started 3

Portal, sign-up, and the first successful call

DeveloperPortal
DeveloperPortal
 GettingStarted
GettingStarted
 Login
Login

Documentation 2

Reference material describing how the API behaves

Documentation
Documentation
 APIReference
APIReference

Agent Surfaces 5

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess
AgenticAccess
 WellKnown
WellKnown
 MCPServer
MCPServer
 LLMsTxt
LLMsTxt
 AgentSkill
AgentSkill

Design & Contract 6

Pagination, idempotency, versioning, errors, and events

Conventions
Conventions
 ErrorCatalog
ErrorCatalog
 Lifecycle
Lifecycle
 Conformance
Conformance
 Webhooks
Webhooks
 DataModel
DataModel

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization
GitHubOrganization

Access & Security 4

Authentication, authorization, and security posture

Compliance
Compliance
 TrustCenter
TrustCenter
 Authentication
Authentication
 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

Other 1

Properties that don't map to a standard resource type

Overlay
Overlay

Source (apis.yml)

apis.yml Raw ↑ 
aid: credgenics
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/credgenics.png
name: Credgenics
description: Credgenics is an AI-powered debt collection and loan recovery SaaS platform used by banks, NBFCs, housing-finance
  companies, microfinance institutions, fintechs and asset-reconstruction companies (primarily in India). Its REST Recovery
  API lets lenders push loan, customer, payment and transaction data into the platform and read collections status, DPD and
  penalties back, alongside digital communications, a GenAI voicebot (Swara), predictive dialing (DialNext), field collections
  (CG Collect), litigation management, online dispute resolution and the Billzy loan-repayment payments product. Authentication
  is a client-credentials exchange returning a short-lived `authenticationtoken`; every request carries the tenant `company_id`.
url: https://raw.githubusercontent.com/api-evangelist/credgenics/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- accel
x-tier: enriched
x-tier-reason: has-public-api
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-18'
tags:
- Company
- Enterprise
- Financial Services
- Debt Collection
- Loan Recovery
- Lending
- Collections
- Fintech
- India
apis:
- aid: credgenics:credgenics-authentication-api
  name: Credgenics Authentication API
  description: Client-credentials access-token exchange.
  humanURL: https://docs.credgenics.com/#getting-started
  baseURL: https://apiprod.credgenics.com
  tags:
  - Authentication
  properties:
  - type: OpenAPI
    url: openapi/credgenics-authentication-api-openapi.yml
- aid: credgenics:credgenics-credit-line-api
  name: Credgenics Credit Line API
  description: Customer and transaction ingestion for credit-line products.
  humanURL: https://docs.credgenics.com/#getting-started
  baseURL: https://apiprod.credgenics.com
  tags:
  - Credit Line
  properties:
  - type: OpenAPI
    url: openapi/credgenics-credit-line-api-openapi.yml
- aid: credgenics:credgenics-lending-api
  name: Credgenics Lending API
  description: Loan and payment ingestion and retrieval.
  humanURL: https://docs.credgenics.com/#getting-started
  baseURL: https://apiprod.credgenics.com
  tags:
  - Lending
  properties:
  - type: OpenAPI
    url: openapi/credgenics-lending-api-openapi.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://www.credgenics.com/
- type: DeveloperPortal
  url: https://docs.credgenics.com/
- type: Documentation
  url: https://docs.credgenics.com/
- type: APIReference
  url: https://docs.credgenics.com/#getting-started
- type: GettingStarted
  url: https://docs.credgenics.com/#getting-started
- type: Blog
  url: https://blog.credgenics.com/
- type: Login
  url: https://app.credgenics.com/login
- type: TermsOfService
  url: https://www.credgenics.com/terms-of-use
- type: PrivacyPolicy
  url: https://www.credgenics.com/privacy-policy
- type: GitHubOrganization
  url: https://github.com/credgenics
- type: Compliance
  url: https://www.credgenics.com/security
- type: TrustCenter
  url: security/credgenics-trust-center.yml
- type: Authentication
  url: authentication/credgenics-authentication.yml
- type: AgenticAccess
  url: agentic-access/credgenics-agentic-access.yml
- type: DomainSecurity
  url: security/credgenics-domain-security.yml
- type: Conventions
  url: conventions/credgenics-conventions.yml
- type: ErrorCatalog
  url: errors/credgenics-problem-types.yml
- type: WellKnown
  url: well-known/credgenics-well-known.yml
- type: Lifecycle
  url: lifecycle/credgenics-lifecycle.yml
- type: Conformance
  url: conformance/credgenics-conformance.yml
- type: Webhooks
  url: asyncapi/credgenics-webhooks.yml
- type: MCPServer
  url: mcp/credgenics-mcp.yml
- type: LLMsTxt
  url: llms/credgenics-llms.txt
- type: DataModel
  url: data-model/credgenics-data-model.yml
- type: Overlay
  url: overlays/credgenics-recovery-overlay.yaml
- type: AgentSkill
  url: skills/_index.yml
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence