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 API contracts indexed on the APIs.io network, including Authentication API, Customers API, KYC API, and 5 more. Tagged areas include Company, Fintech, Embedded Finance, Lending, and Buy Now Pay Later.

The Credilinq.ai catalog on APIs.io includes 2 event-driven AsyncAPI specifications and 1 Spectral governance ruleset.

Credilinq.ai’s developer surface includes engineering blog, documentation, API reference, getting-started guide, support, signup flow, changelog, and 26 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

44.6/100 developing ▬ flat Agent 37/100 agent ready Front door AI 2/6 trace Heartbeat 100/100 alive saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

1 published contract 4 Agent Skills

Company Fintech Embedded Finance Lending Buy Now Pay Later Credit Payments KYC B2B

What this lets a business do 2

Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →

Credit & Lending Management

BC-1320

CustomersLoansOnboardingPayment

POST /v1/onboarding/check-eligibility POST /v1/onboarding/send-agreement POST /v1/payments/loan/make-payment POST /v1/payments/loans/reconcilepayment

Banking Customer Management

BC-1300

KYC

POST /v2/kyc/customer/create POST /v2/kyc/director/create POST /v1/kyc/send-for-review

Kin Score

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

Composite quality — 44.6/100 · developing

Contract Quality 10.5 / 19

Developer Ergonomics 9.0 / 15

Access Clarity 5.1 / 15

Operational Transparency 1.5 / 10

Contract Governance 1.6 / 9

Discoverability 5.5 / 8

Regulatory Posture 3.9 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 37/100 · agent ready

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

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 0 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

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.

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
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)
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document
Delegated User Identity +6 pts — a served discovery document listing authorization_code in grant_types_supported (served), else an oauth2 authorizationCode flow or openIdConnect declared in an OpenAPI (documented)
Documented Reversibility +6 pts — a reversal operation in the contract, graded up when a window is documented too

6 more unmet checks in the Agent Readiness table above.

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

Access Clarity scores 34.2 — up to +13.2 composite points
Contract Quality scores 55.9 — up to +11.0 composite points
Operational Transparency scores 15.8 — up to +10.9 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/credilinqai/apis.yml: open an issue on github.com/api-evangelist/credilinqai 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	-	-	1

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 8

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

Credilinq.ai Authentication API

The Authentication API from Credilinq.ai — 1 operation(s) for authentication.

Credilinq.ai Customers API

The Customers API from Credilinq.ai — 4 operation(s) for customers.

Credilinq.ai KYC API

The KYC API from Credilinq.ai — 8 operation(s) for kyc.

Credilinq.ai Loans API

The Loans API from Credilinq.ai — 4 operation(s) for loans.

Credilinq.ai Miscellaneous API

The Miscellaneous API from Credilinq.ai — 4 operation(s) for miscellaneous.

Credilinq.ai Onboarding API

The Onboarding API from Credilinq.ai — 3 operation(s) for onboarding.

Credilinq.ai Payment API

The Payment API from Credilinq.ai — 4 operation(s) for payment.

Credilinq.ai Report API

The Report API from Credilinq.ai — 3 operation(s) for report.

Scroll for all 8

Open Collections 8

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

CrediLinq Authentication API

OPEN COLLECTION

CrediLinq Authentication Customers API

OPEN COLLECTION

CrediLinq Authentication KYC API

OPEN COLLECTION

CrediLinq Authentication Loans API

OPEN COLLECTION

CrediLinq Authentication Miscellaneous API

OPEN COLLECTION

CrediLinq Authentication Onboarding API

OPEN COLLECTION

CrediLinq Authentication Payment API

OPEN COLLECTION

CrediLinq Authentication Report API

OPEN COLLECTION

Scroll for all 8

Arazzo Workflows 2

Multi-step API workflows described with the Arazzo specification.

CrediLinq — Create and disburse a loan

Authenticate, confirm the credit line, preview the schedule, create a drawdown, and disburse it.

ARAZZO

CrediLinq — Onboard a customer and complete KYC

Authenticate, check eligibility, run data processing, capture customer KYC, and send it for review.

ARAZZO

Agent Skills 4

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

Authenticate with CrediLinq

AGENT SKILL

Collect and reconcile a loan payment

AGENT SKILL

Create and disburse a loan (drawdown)

AGENT SKILL

Onboard a customer and complete KYC

AGENT SKILL

Event Specifications 2

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

CrediLinq Webhooks

AsyncAPI representation of CrediLinq's documented webhook events. CrediLinq delivers server-to-server notifications via HTTP POST to a partner-configured redirect_url. Payloads ...

ASYNCAPI

Credilinqai Webhooks

ASYNCAPI

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Credilinq.ai API Rules

64 rules · 55 errors 6 warnings 3 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.

Credilinqai Openapi Overlay

3 actions · update · credilinqai-openapi.yml

DERIVED

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Credilinqai Authentication

http · 1 scheme

SECURITY

Credilinqai Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Credilinqai Agentic Access

31 operations · 17 acting · 17 human-in-the-loop

31 operations · 17 acting

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

AgenticAccess

X-MCPServerCandidate

X-MCPServerCandidate

LLMsTxt

LLMsTxt

AgentSkill

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 4

The organization behind the API

Blog

BlogRSS

Website

Blog

Other 2

Properties that don't map to a standard resource type

CapabilityMap

CapabilityMap

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
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
  - sandbox
  generated: '2026-11-06'
  method: derived
image: https://credilinq.ai/wp-content/uploads/2025/08/Layer_1-1.svg
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-10-06'
x-docs-platform: readme
x-docs-platform-confidence: high
x-docs-platform-checked: 2026-09-24
tags:
- Company
- Fintech
- Embedded Finance
- Lending
- Buy Now Pay Later
- Credit
- Payments
- KYC
- B2B
tags_raw:
- 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:
  - Payments
  tags_raw:
  - 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:
- url: https://credilinq.ai/news
  type: Blog
- url: https://credilinq.ai/feed
  type: BlogRSS
- type: CapabilityMap
  url: capabilities/credilinqai-capability-edges.yml
  name: Credilinq.ai Business Capability Map
- 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: X-MCPServerCandidate
  url: mcp/credilinqai-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/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 API — frequently asked questions

Does Credilinq.ai have an API?

Yes. APIs.io lists 8 APIs from Credilinq.ai, including Credilinq.ai Authentication API, Credilinq.ai Customers API and Credilinq.ai KYC API, and 5 more.

Is there an OpenAPI specification for the Credilinq.ai API?

Yes. APIs.io indexes 8 OpenAPI specifications for Credilinq.ai, each linked for download from this page.

How do I authenticate with the Credilinq.ai API?

Credilinq.ai uses bearer-token authentication (http · 1 scheme). The details are profiled on APIs.io as Credilinqai Authentication.

Is the Credilinq.ai API ready for AI agents?

Credilinq.ai has a Kin Score of 44.6 out of 100 (developing) and an Agent Readiness score of 37.2 (agent-ready), scored by API Evangelist on 2026-11-06.

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