# Credi2

**Canonical:** https://apis.io/providers/credi2/  
**Website:** https://www.credi2.com  
**APIs profiled:** 0

Credi2 GmbH is a Vienna, Austria based fintech that operates a white-label, cloud-native embedded lending platform enabling banks, card issuers, and merchants to launch Buy Now Pay Later (BNPL) and installment financing products under their own brand. The modular platform covers five financing products - pay per invoice (14-day BNPL), split pay (3-12 month installments up to EUR 5,000), installment loans (up to EUR 50,000 over 84 months), revolving credit lines, and subscription financing - and handles the full lifecycle including core banking operations, credit and risk management, servicing, and collections. Use cases span eCommerce and point-of-sale financing, subscription payments, installment-on-cards, and cash loans, with omni-channel integration and go-live in weeks. Credi2 is ISO 27001 and ISO 27701 certified and is backed by Speedinvest.

## Kin Score — 13.9 / 100 (emerging)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 13.9).

| Facet | Score |
|---|---|
| Discoverability | 50.0 |
| Contract Quality | 0.0 |
| Governance | 18.2 |
| Contract Governance | 18.2 |
| Operational Transparency | 10.5 |
| Developer Ergonomics | 7.1 |
| Commercial Clarity | 18.4 |
| Access Clarity | 18.4 |

Regulatory layer — **Banking & Open Finance**: 32.9 (matched via tags).

## Agent readiness — 0.0 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | 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 (2)

- **Credi2 Domain Security** — TLSv1.3 · DMARC
- **Credi2 Vulnerability Disclosure** — contact published

## Tags

Company, Embedded Finance, Lending, Buy Now Pay Later, BNPL, Installments, Fintech, Banking, Card Issuing, Credit

---

Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/credi2/). Scores are computed from the provider's own public artifacts under a published rubric.