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

46.3/100 developing ▬ flat Agent 50/100 agent native Full breakdown ↓
scored 2026-08-20 · rubric v0.12.0

AccessSelf serve

8 APIs 1 MCP Servers

CompanyFintechEmbedded FinanceLendingBNPLCreditPaymentsKYCB2B

Kin Score

Kin Score How this is scored →
scored 2026-08-20 · rubric v0.12.0

Composite quality — 46.3/100 · developing

Contract Quality 13.6 / 21

Developer Ergonomics 8.0 / 17

Access Clarity 5.8 / 17

Operational Transparency 1.7 / 11

Contract Governance 1.7 / 10

Discoverability 6.9 / 9

Regulatory Posture 6.8 / 15

Agent readiness — 50/100 · agent native

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 9 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 7 / 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

Regulatory Posture applies to this provider. Its tags matched the Payments 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.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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: '0.23'
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: []
  tags_raw:
  - 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/_original/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