# Credilinq.ai

**Canonical:** https://apis.io/providers/credilinqai/  
**Website:** https://credilinq.ai  
**APIs profiled:** 8

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.

## Kin Score — 46.3 / 100 (developing)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 46.3).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 63.8 |
| Governance | 16.7 |
| Contract Governance | 16.7 |
| Operational Transparency | 15.8 |
| Developer Ergonomics | 47.0 |
| Commercial Clarity | 34.2 |
| Access Clarity | 34.2 |

Regulatory layer — **Payments**: 45.3 (matched via tags).

## Agent readiness — 49.8 (agent-native)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | verified |
| Error Semantics | verified |
| OpenAPI Examples | partial |
| 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 (8)

- **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.

## MCP servers (1)

- **Credilinq.ai MCP Server**

## Agentic access (1)

- **Credilinqai Agentic Access** — 31 operations · 17 acting · 17 human-in-the-loop

## Security (2)

- **Credilinqai Authentication** — http · 1 scheme
- **Credilinqai Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Company, Fintech, Embedded Finance, Lending, BNPL, Credit, Payments, KYC, B2B

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