# Creditas

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

Creditas is a Brazilian digital lending fintech founded in 2012 and headquartered in Sao Paulo, operating in Brazil and Mexico. It provides secured consumer credit - loans backed by real estate (home equity) and vehicles, plus private payroll (consignado privado) loans - alongside auto insurance, multi-bank real estate and vehicle financing, and a corporate benefits platform (salary advance, flexible-benefits cards, and financial education). Regulated by the Banco Central do Brasil, Creditas has originated over R$12 billion in credit. It is backed by QED Investors and the SoftBank Vision Fund. No public developer API program or OpenAPI has been identified; this profile captures the company public identity, its published llms.txt, and its domain security posture.

## Kin Score — 10.8 / 100 (minimal)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 10.8).

| Facet | Score |
|---|---|
| Discoverability | 57.4 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 2.6 |
| Developer Ergonomics | 7.1 |
| Commercial Clarity | 21.1 |
| Access Clarity | 21.1 |

Regulatory layer — **Insurance**: 21.2 (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 (1)

- **Creditas Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Company, Credit, Fintech, Lending, Brazil, Insurance, Financial-Services, Payroll Loans

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