Credilinq.ai

CrediLinq is a Singapore-founded embedded-finance and B2B lending fintech that lets platforms and marketplaces offer white-labeled credit to their business customers. Its API-first "Credit as a Service" powers two products: B2B PayLater (buy-now-pay-later for buyers) and GMV Financing (working-capital advances for sellers), with AI/data-driven credit underwriting, automated onboarding and KYC, credit-line management, loan drawdowns, repayments and reconciliation, and partner reporting. The CrediLinq REST API (OpenAPI 3.0, Auth0 client-credentials bearer auth, sandbox/staging/production environments, HMAC-signed webhooks) is documented at docs.credilinq.ai.

Credilinq.ai publishes 8 APIs on the APIs.io network, including Authentication API, Customers API, KYC API, and 5 more. Tagged areas include Company, Fintech, Embedded Finance, Lending, and BNPL.

The Credilinq.ai catalog on APIs.io includes 2 event-driven AsyncAPI specifications.

Credilinq.ai’s developer surface includes documentation, API reference, getting-started guide, engineering blog, support, signup flow, changelog, and 23 more developer resources.

🌐 Visit website 📡 Source on GitHub

51.8/100 developing ▬ flat Agent 71/100 agent native Full breakdown ↓
scored 2026-07-27 · rubric v0.5

AccessSelf serve

8 APIs 1 MCP Servers

CompanyFintechEmbedded FinanceLendingBNPLCreditPaymentsKYCB2B

Kin Score

Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5

Composite quality — 51.8/100 · developing

Contract Quality 16.7 / 25

Developer Ergonomics 14.8 / 20

Commercial Clarity 6.8 / 20

Operational Transparency 3.1 / 13

Governance 0.0 / 12

Discoverability 10.0 / 10

Agent readiness — 71/100 · 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 0 / 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/credilinqai: 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 8

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

MCP Servers 1

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

AGENTIC

Resources

Get Started 4

Portal, sign-up, and the first successful call

DeveloperPortal

GettingStarted

SignUp

Sandbox

Documentation 4

Reference material describing how the API behaves

Documentation

APIReference

OpenAPI

AsyncAPI

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

MCPServer

LLMsTxt

AgentSkill

Design & Contract 8

Pagination, idempotency, versioning, errors, and events

ErrorCatalog

Conventions

Lifecycle

Conformance

DataModel

Webhooks

Arazzo

Arazzo

Scroll for all 8

Access & Security 2

Authentication, authorization, and security posture

Authentication

Authentication

DomainSecurity

DomainSecurity

Operate 3

Status, limits, changes, and where to get help

Support

Support

ChangeLog

ChangeLog

ChangeLog

ChangeLog

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)

aid: credilinqai
name: Credilinq.ai
description: 'CrediLinq is a Singapore-founded embedded-finance and B2B lending fintech that lets platforms and marketplaces
  offer white-labeled credit to their business customers. Its API-first "Credit as a Service" powers two products: B2B PayLater
  (buy-now-pay-later for buyers) and GMV Financing (working-capital advances for sellers), with AI/data-driven credit underwriting,
  automated onboarding and KYC, credit-line management, loan drawdowns, repayments and reconciliation, and partner reporting.
  The CrediLinq REST API (OpenAPI 3.0, Auth0 client-credentials bearer auth, sandbox/staging/production environments, HMAC-signed
  webhooks) is documented at docs.credilinq.ai.'
url: https://raw.githubusercontent.com/api-evangelist/credilinqai/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- 500-global
x-tier: profiled
x-tier-reason: enriched-from-published-api
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://credilinq.ai/wp-content/uploads/2025/08/Layer_1-1.svg
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-18'
tags:
- Company
- Fintech
- Embedded Finance
- Lending
- BNPL
- Credit
- Payments
- KYC
- B2B
apis:
- aid: credilinqai:credilinqai-authentication-api
  name: Credilinq.ai Authentication API
  description: The Authentication API from Credilinq.ai — 1 operation(s) for authentication.
  humanURL: https://docs.credilinq.ai/
  baseURL: https://api.credilinq.ai
  tags:
  - Authentication
  properties:
  - type: OpenAPI
    url: openapi/credilinqai-authentication-api-openapi.yml
  - type: APIReference
    url: https://docs.credilinq.ai/reference/authentication-3
- aid: credilinqai:credilinqai-customers-api
  name: Credilinq.ai Customers API
  description: The Customers API from Credilinq.ai — 4 operation(s) for customers.
  humanURL: https://docs.credilinq.ai/
  baseURL: https://api.credilinq.ai
  tags:
  - Customers
  properties:
  - type: OpenAPI
    url: openapi/credilinqai-customers-api-openapi.yml
  - type: APIReference
    url: https://docs.credilinq.ai/reference/authentication-3
- aid: credilinqai:credilinqai-kyc-api
  name: Credilinq.ai KYC API
  description: The KYC API from Credilinq.ai — 8 operation(s) for kyc.
  humanURL: https://docs.credilinq.ai/
  baseURL: https://api.credilinq.ai
  tags:
  - KYC
  properties:
  - type: OpenAPI
    url: openapi/credilinqai-kyc-api-openapi.yml
  - type: APIReference
    url: https://docs.credilinq.ai/reference/authentication-3
- aid: credilinqai:credilinqai-loans-api
  name: Credilinq.ai Loans API
  description: The Loans API from Credilinq.ai — 4 operation(s) for loans.
  humanURL: https://docs.credilinq.ai/
  baseURL: https://api.credilinq.ai
  tags:
  - Loans
  properties:
  - type: OpenAPI
    url: openapi/credilinqai-loans-api-openapi.yml
  - type: APIReference
    url: https://docs.credilinq.ai/reference/authentication-3
- aid: credilinqai:credilinqai-miscellaneous-api
  name: Credilinq.ai Miscellaneous API
  description: The Miscellaneous API from Credilinq.ai — 4 operation(s) for miscellaneous.
  humanURL: https://docs.credilinq.ai/
  baseURL: https://api.credilinq.ai
  tags:
  - Miscellaneous
  properties:
  - type: OpenAPI
    url: openapi/credilinqai-miscellaneous-api-openapi.yml
  - type: APIReference
    url: https://docs.credilinq.ai/reference/authentication-3
- aid: credilinqai:credilinqai-onboarding-api
  name: Credilinq.ai Onboarding API
  description: The Onboarding API from Credilinq.ai — 3 operation(s) for onboarding.
  humanURL: https://docs.credilinq.ai/
  baseURL: https://api.credilinq.ai
  tags:
  - Onboarding
  properties:
  - type: OpenAPI
    url: openapi/credilinqai-onboarding-api-openapi.yml
  - type: APIReference
    url: https://docs.credilinq.ai/reference/authentication-3
- aid: credilinqai:credilinqai-payment-api
  name: Credilinq.ai Payment API
  description: The Payment API from Credilinq.ai — 4 operation(s) for payment.
  humanURL: https://docs.credilinq.ai/
  baseURL: https://api.credilinq.ai
  tags:
  - Payment
  properties:
  - type: OpenAPI
    url: openapi/credilinqai-payment-api-openapi.yml
  - type: APIReference
    url: https://docs.credilinq.ai/reference/authentication-3
- aid: credilinqai:credilinqai-report-api
  name: Credilinq.ai Report API
  description: The Report API from Credilinq.ai — 3 operation(s) for report.
  humanURL: https://docs.credilinq.ai/
  baseURL: https://api.credilinq.ai
  tags:
  - Report
  properties:
  - type: OpenAPI
    url: openapi/credilinqai-report-api-openapi.yml
  - type: APIReference
    url: https://docs.credilinq.ai/reference/authentication-3
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://credilinq.ai
- type: DeveloperPortal
  url: https://docs.credilinq.ai/
- type: Documentation
  url: https://docs.credilinq.ai/
- type: APIReference
  url: https://docs.credilinq.ai/reference/authentication-3
- type: GettingStarted
  url: https://docs.credilinq.ai/docs/introduction
- type: Blog
  url: https://credilinq.ai/guide
- type: Support
  url: https://credilinq.ai/contact
- type: SignUp
  url: https://portal.credilinq.ai/customer-login/
- type: TermsOfService
  url: https://credilinq.ai/termsandcondition/
- type: PrivacyPolicy
  url: https://credilinq.ai/privacy-policy/
- type: ChangeLog
  url: https://docs.credilinq.ai/docs/change-logs
- type: OpenAPI
  url: openapi/credilinqai-openapi.yml
- type: Overlay
  url: overlays/credilinqai-openapi-overlay.yaml
- type: Authentication
  url: authentication/credilinqai-authentication.yml
- type: AgenticAccess
  url: agentic-access/credilinqai-agentic-access.yml
- type: DomainSecurity
  url: security/credilinqai-domain-security.yml
- type: ErrorCatalog
  url: errors/credilinqai-problem-types.yml
- type: Conventions
  url: conventions/credilinqai-conventions.yml
- type: Lifecycle
  url: lifecycle/credilinqai-lifecycle.yml
- type: ChangeLog
  url: changelog/credilinqai-changelog.yml
- type: Conformance
  url: conformance/credilinqai-conformance.yml
- type: Sandbox
  url: sandbox/credilinqai-sandbox.yml
- type: DataModel
  url: data-model/credilinqai-data-model.yml
- type: Webhooks
  url: asyncapi/credilinqai-webhooks.yml
- type: AsyncAPI
  url: asyncapi/credilinqai-asyncapi.yml
- type: MCPServer
  url: mcp/credilinqai-mcp.yml
- type: LLMsTxt
  url: llms/credilinqai-llms.txt
- type: AgentSkill
  url: skills/_index.yml
- type: Arazzo
  name: Onboard a customer and complete KYC
  url: arazzo/credilinqai-onboard-and-kyc.yml
- type: Arazzo
  name: Create and disburse a loan (drawdown)
  url: arazzo/credilinqai-create-and-disburse-loan.yml
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence

Credilinq.ai

Kin Score

APIs 8

Credilinq.ai Authentication API

Credilinq.ai Customers API

Credilinq.ai KYC API

Credilinq.ai Loans API

Credilinq.ai Miscellaneous API

Credilinq.ai Onboarding API

Credilinq.ai Payment API

Credilinq.ai Report API

Arazzo Workflows 3

_Index

CrediLinq — Create and disburse a loan

CrediLinq — Onboard a customer and complete KYC

MCP Servers 1

credilinqai-mcp.yml

Event Specifications 2

CrediLinq Webhooks

Credilinqai Webhooks

Security Posture 2

Credilinqai Authentication

Credilinqai Domain Security

Agentic Access 1

Credilinqai Agentic Access