# Credgenics

**Canonical:** https://apis.io/providers/credgenics/  
**Website:** https://www.credgenics.com/  
**APIs profiled:** 3

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`.

## Kin Score — 30.8 / 100 (thin)

Scored 2026-08-19 under rubric 0.12.0. Trend: falling (-8.0 from 38.8).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 23.1 |
| Governance | 30.3 |
| Contract Governance | 30.3 |
| Operational Transparency | 10.5 |
| Developer Ergonomics | 16.1 |
| Commercial Clarity | 43.4 |
| Access Clarity | 43.4 |

## Agent readiness — 35.7 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | documented |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | yes |
| Agent Skills | derived |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: medium).

## APIs (3)

- **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)

- **credgenics-mcp.yml**

## Agentic access (1)

- **Credgenics Agentic Access** — 7 operations · 5 acting

## Security (3)

- **Credgenics Authentication** — apiKey · 1 scheme
- **Credgenics Domain Security** — TLSv1.3 · HSTS · DMARC
- **Credgenics Trust Center** — PCI DSS, ISO (certificate displayed; specific ISO standard not named on the page)

## Tags

Company, Enterprise, Financial Services, Debt Collection, Loan Recovery, Lending, Collections, Fintech, India

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