Credy

Credy is a large advertising network operating in the consumer credit market, connecting publishers with lenders across 18 countries and 3 continents. It offers short‑term, payday, instalment and cash loans, serving over 1 million satisfied customers. The company provides a platform for advertisers to generate high‑quality leads and for publishers to monetize finance‑related traffic, with multilingual support and a presence in Spain, Mexico, Colombia, Vietnam, Philippines, Kazakhstan, Poland, Ukraine, Romania and more.

Credy is listed with 1 API on the APIs.io network. Tagged areas include Advertising, Finance, Affiliate Network, International, and Loans.

🌐 Visit website 📡 Profile data on GitHub

4.0/100 minimal ▬ flat Agent 0/100 human only Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

1 API

Advertising Finance Affiliate Network International Loans

Kin Score

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

Composite quality — 4.0/100 · minimal

Contract Quality 0.0 / 21

Developer Ergonomics 0.0 / 17

Access Clarity 0.0 / 17

Operational Transparency 0.0 / 11

Contract Governance 0.0 / 10

Discoverability 4.6 / 9

Regulatory Posture 0.9 / 15

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 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 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Horizontal (data, software, accessibility, platform) 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 could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

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/.

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Agent readiness — checks not met, largest first (exact, from this profile):

Machine-Readable Contract +18 pts — api_specs includes an OpenAPI document
MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
Machine-Readable Auth +10 pts — a served openid-configuration/oauth-authorization-server carrying `issuer` (served), else the securitySchemes class in the provider OpenAPIs — bound (mutualTLS, DPoP, Signature) > negotiable (oauth2 authorizationCode/clientCredentials, openIdConnect) > bearer (http bearer, apiKey)
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes

13 more unmet checks in the Agent Readiness table above.

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

Contract Quality scores 0.0 — up to +25.0 composite points
Developer Ergonomics scores 0.0 — up to +20.0 composite points
Access Clarity scores 0.0 — up to +20.0 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/credy/apis.yml: open an issue on github.com/api-evangelist/credy 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 →

APIs 1

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

Credy API

Credy provides an advertising network platform for lenders and publishers, enabling lead generation and loan offers across multiple countries.

Security Posture 1

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

Credy Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Resources

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Company 1

The organization behind the API

Website

Website

Other 2

Properties that don't map to a standard resource type

Hosts

Hosts

Vendors

Vendors

Source (apis.yml)

aid: credy
name: Credy
description: Credy is a large advertising network operating in the consumer credit market, connecting publishers with lenders
  across 18 countries and 3 continents. It offers short‑term, payday, instalment and cash loans, serving over 1 million satisfied
  customers. The company provides a platform for advertisers to generate high‑quality leads and for publishers to monetize
  finance‑related traffic, with multilingual support and a presence in Spain, Mexico, Colombia, Vietnam, Philippines, Kazakhstan,
  Poland, Ukraine, Romania and more.
url: https://raw.githubusercontent.com/api-evangelist/credy/refs/heads/main/apis.yml
x-type: company
x-source: harvest:secondary-market
x-tier: profiled
x-tier-reason: enrichment pass 2026-10-11 (modular-v1; was harvest)
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  probe_state: unreadable
  source:
  - security
  generated: '2026-11-06'
  method: derived
specificationVersion: '0.20'
created: '2026-10-11'
modified: '2026-10-11'
tags:
- Advertising
- Finance
- Affiliate Network
- International
- Loans
tags_raw:
- Advertising
- Finance
- AffiliateNetwork
- International
- Loans
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Hosts
  url: hosts/credy-hosts.yml
- type: Vendors
  url: vendors/credy-vendors.yml
- type: DomainSecurity
  url: security/credy-domain-security.yml
- type: Website
  url: https://www.credy.com
apis:
- name: Credy API
  description: Credy provides an advertising network platform for lenders and publishers, enabling lead generation and loan
    offers across multiple countries.
  humanURL: https://www.credy.com
  aid: credy:credy-api
x-coverage:
  state: unreadable
  reason: no-machine-readable-spec
  detail: No OpenAPI or other machine‑readable contract was found at standard locations on api.credy.com.
  evidence:
  - url: https://api.credy.com/openapi.json
    status: 404
  checked: '2026-10-11'
x-enrichment:
  date: '2026-10-11'
  status: enriched
  artifacts_added: 5
  pass: modular-v1
  engine: identity=local,contract=local,surfaces=local,docs=local,regulatory=local

Credy API — frequently asked questions

Does Credy have an API?

Yes. APIs.io lists 1 API from Credy, including Credy API.

Is the Credy API ready for AI agents?

Credy has a Kin Score of 4.0 out of 100 (minimal) and an Agent Readiness score of 0.0 (human-only), scored by API Evangelist on 2026-11-06.

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get_provider_operationsEvery operation across all of their OpenAPIs — one call instead of parsing every spec.
get_provider_toolsEvery MCP tool they ship, with the operation each wraps.
get_provider_evidenceHow each part of their score was established. Free — the basis for a claim should not sit behind it.
get_provider_ratingPRO — composite, band, trend and facet scores.
apis_io_searchSTART HERE — APIs, providers and tags for one query, each with its total.
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