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 API contracts indexed 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 and 1 Spectral governance ruleset.

Credgenics’ developer surface includes documentation, API reference, getting-started guide, engineering blog, authentication, and 22 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

31.4/100 thin ▬ flat Agent 27/100 agent aware Front door AI 6/6 dominant Heartbeat 100/100 alive saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

1 published contract 1 Agent Skills

Company Enterprise Financial Services Debt CollectionLoan RecoveryLending Collection Fintech India

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 31.4/100 · thin

Contract Quality 4.1 / 19

Developer Ergonomics 2.4 / 15

Access Clarity 6.5 / 15

Operational Transparency 1.0 / 10

Contract Governance 2.9 / 9

Discoverability 5.5 / 8

Regulatory Posture 4.4 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 27/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 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 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

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Horizontal (data, software, accessibility, platform) 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 applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% 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):

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Rate-Limit Signaling +7 pts — OpenAPI responses document X-RateLimit-* / RateLimit headers (verified), else a rate_limits artifact or RateLimits link (documented)
Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document

7 more unmet checks in the Agent Readiness table above.

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

Contract Quality scores 22.1 — up to +19.5 composite points
Developer Ergonomics scores 16.1 — up to +16.8 composite points
Operational Transparency scores 10.5 — up to +11.6 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/credgenics/apis.yml: open an issue on github.com/api-evangelist/credgenics 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
Consumer Lending Licensing (UK, US, Canada credit licence registers)	undeclared	-	-	-
India RBI Regulated Entities (payment system operators, payment aggregators, PPI issuers, NBFCs, AAs)	undeclared	-	-	-
India RBI / SEBI Registers (SEBI intermediaries, RBI NBFCs, payment aggregators, PPI issuers, AAs)	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.

Standards implemented 1

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

OpenAPI

measured — observed by APIs.io (published)

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.

Open Collections 3

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

Credgenics Recovery Authentication API

OPEN COLLECTION

Credgenics Recovery Authentication Credit Line API

OPEN COLLECTION

Credgenics Recovery Authentication Lending API

OPEN COLLECTION

Agent Skills 1

Packaged agent skills for driving this provider's APIs from an AI assistant.

Sync a loan and record a payment in Credgenics

AGENT SKILL

Event Specifications 1

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

Credgenics Webhooks

ASYNCAPI

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Credgenics API Rules

62 rules · 60 errors 1 warnings 1 info

SPECTRAL

OpenAPI Overlays 1

Overlays applied on top of this provider's contracts. Each card says who wrote it: a document the provider publishes, or one API Evangelist derived or generated.

Credgenics Recovery Overlay

3 actions · update · credgenics-recovery-openapi.yml

DERIVED

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

AGENTIC

Resources

Get Started 3

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

GettingStarted

GettingStarted

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

X-MCPServerCandidate

X-MCPServerCandidate

LLMsTxt

LLMsTxt

AgentSkill

AgentSkill

Design & Contract 6

Pagination, idempotency, versioning, errors, and events

Conventions

ErrorCatalog

Lifecycle

Conformance

Webhooks

DataModel

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Access & Security 4

Authentication, authorization, and security posture

Compliance

TrustCenter

Authentication

DomainSecurity

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 3

The organization behind the API

BlogRSS

BlogRSS

Website

Website

Blog

Blog

Other 1

Properties that don't map to a standard resource type

Overlay

Overlay

Source (apis.yml)

aid: credgenics
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - authentication
  - security
  generated: '2026-11-06'
  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: '0.23'
created: '2026-07-17'
modified: '2026-10-06'
tags:
- Company
- Enterprise
- Financial Services
- Debt Collection
- Loan Recovery
- Lending
- Collection
- Fintech
- India
tags_raw:
- Company
- Enterprise
- Financial Services
- Debt Collection
- Loan Recovery
- Lending
- Collections
- Fintech
- India
- Financial-Services
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:
- url: https://blog.credgenics.com/feed/
  type: BlogRSS
- 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: X-MCPServerCandidate
  url: mcp/credgenics-mcp.yml
  note: 'Renamed from MCPServer 2026-09-03 (roadmap#247): the manifest self-describes as status: candidate — a tool list derived
    from the published API contracts, not an existing server. The scorer already read the manifest and reported mcp_server
    correctly; the MCPServer type was crediting the artifact-type surfaces with a server that does not exist.'
- 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

Credgenics API — frequently asked questions

Does Credgenics have an API?

Yes. APIs.io lists 3 APIs from Credgenics, including Credgenics Authentication API, Credgenics Credit Line API and Credgenics Lending API.

Is there an OpenAPI specification for the Credgenics API?

Yes. APIs.io indexes 3 OpenAPI specifications for Credgenics, each linked for download from this page.

How do I authenticate with the Credgenics API?

Credgenics uses bearer-token authentication (apiKey · 1 scheme). The details are profiled on APIs.io as Credgenics Authentication.

Is the Credgenics API ready for AI agents?

Credgenics has a Kin Score of 31.4 out of 100 (thin) and an Agent Readiness score of 26.9 (agent-aware), scored by API Evangelist on 2026-11-06.

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