Decentro

Decentro is a banking-as-a-service platform that provides businesses with seamless integration to Indian banking infrastructure - including payments (UPI, IMPS, NEFT, RTGS), virtual accounts, KYC, ledger primitives, and credit-bureau data. Decentro publishes a developer portal and Postman collection covering six API categories: KYC & Onboarding, Bytes (alternate data), Scanner (forensics), Payments, Virtual Accounts, and Ledger.

Decentro publishes 11 APIs on the APIs.io network, including KYC & Onboarding API, Virtual Accounts API, Accounts API, and 8 more. Tagged areas include Banking, Banking as a Service, Fintech, India, and KYC.

The Decentro catalog on APIs.io includes 1 JSON-LD context and 2 Spectral governance rulesets.

Decentro’s developer surface includes authentication, developer portal, engineering blog, pricing, and 10 more developer resources.

🌐 Visit website 📡 Source on GitHub

34.2/100 thin ▬ flat Agent 22/100 agent aware saas Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0

AccessFreemiumSelf serve⚡ Free to try

2 APIs

Banking Banking as a Service Fintech India KYC Ledger Payments UPI Virtual Accounts

Kin Score

Kin Score How this is scored →
scored 2026-09-08 · rubric v0.20.0

Composite quality — 34.2/100 · thin

Contract Quality 10.8 / 19

Developer Ergonomics 5.4 / 15

Access Clarity 2.0 / 15

Operational Transparency 0.8 / 10

Contract Governance 2.6 / 9

Discoverability 5.7 / 8

Regulatory Posture 3.2 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 22/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 6 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 7 / 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

Regulatory Posture applies to this provider. Its tags matched the Banking & Open Finance 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/.

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 github.com/api-evangelist/decentro: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 11

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

Decentro KYC & Onboarding API

Identity verification, customer onboarding, DigiLocker integration, Aadhaar OTP, document classification, and face match.

Decentro Virtual Accounts API

Create and manage virtual bank accounts, balances, statements, and remitter whitelisting for collections and reconciliation.

Decentro Accounts API

The Accounts API from Decentro — 2 operation(s) for accounts.

Decentro Collections API

The Collections API from Decentro — 2 operation(s) for collections.

Decentro Forensics API

The Forensics API from Decentro — 2 operation(s) for forensics.

Decentro Journals API

The Journals API from Decentro — 1 operation(s) for journals.

Decentro Mandates API

The Mandates API from Decentro — 2 operation(s) for mandates.

Decentro Payouts API

The Payouts API from Decentro — 2 operation(s) for payouts.

Decentro Settlements API

The Settlements API from Decentro — 1 operation(s) for settlements.

Decentro Transactions API

The Transactions API from Decentro — 1 operation(s) for transactions.

Decentro Verification API

The Verification API from Decentro — 1 operation(s) for verification.

Scroll for all 11

Open Collections 14

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

API Collection

OPEN COLLECTION

Decentro KYC & Onboarding Accounts API

OPEN COLLECTION

Decentro KYC & Onboarding Accounts Collections API

OPEN COLLECTION

Decentro KYC & Onboarding Accounts Forensics API

OPEN COLLECTION

Decentro KYC & Onboarding Accounts Journals API

OPEN COLLECTION

Decentro & Onboarding Accounts KYC API

OPEN COLLECTION

Decentro Ledger API

OPEN COLLECTION

Decentro KYC & Onboarding Accounts Mandates API

OPEN COLLECTION

Decentro Payments API

OPEN COLLECTION

Decentro KYC & Onboarding Accounts Payouts API

OPEN COLLECTION

Decentro KYC & Onboarding Accounts Settlements API

OPEN COLLECTION

Decentro KYC & Onboarding Accounts Transactions API

OPEN COLLECTION

Decentro KYC & Onboarding Accounts Verification API

OPEN COLLECTION

Decentro KYC & Onboarding Accounts Virtual Accounts API

OPEN COLLECTION

Scroll for all 14

Pricing Plans 1

Published pricing tiers and plan structures.

Decentro Plans Pricing

2 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Decentro Rate Limits

2 limits

RATE LIMITS

FinOps 1

Cost, billing, and metering signals for API financial operations.

Decentro Finops

FINOPS

Semantic Vocabularies 1

JSON-LD contexts and semantic vocabularies used across these APIs.

Decentro Context

4 classes · 8 properties

JSON-LD

Spectral Rules 2

Spectral governance rulesets for linting and validating these APIs.

Decentro API Rules

5 rules · 4 warnings 1 info

SPECTRAL

Decentro API Rules

5 rules · 1 errors 4 warnings

SPECTRAL

JSON Schema 2

Standalone JSON Schema definitions for this provider's data models.

Decentro Payout

10 properties

JSON SCHEMA

Decentro Virtual Account

8 properties

JSON SCHEMA

Security Posture 2

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

Decentro Authentication

apiKey · 1 scheme

SECURITY

Decentro Domain Security

TLSv1.2 · HSTS · DMARC

SECURITY

Agentic Access 1

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

Decentro Agentic Access

22 operations · 16 acting

AGENTIC

Resources

Get Started 1

Portal, sign-up, and the first successful call

Portal

Portal

Documentation 1

Reference material describing how the API behaves

Reference

Reference

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgenticAccess

LlmsText

LlmsText

Design & Contract 2

Pagination, idempotency, versioning, errors, and events

JSONLD

JSONLD

Vocabulary

Vocabulary

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Access & Security 2

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Authentication

Authentication

Commercial 1

Pricing, plans, and the legal terms of use

Pricing

Pricing

Company 3

The organization behind the API

LinkedIn

Website

Website

Blog

Blog

Other 1

Properties that don't map to a standard resource type

CapabilityMap

CapabilityMap

Source (apis.yml)

aid: decentro
name: Decentro
url: https://raw.githubusercontent.com/api-evangelist/decentro/refs/heads/main/apis.yml
kind: company
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: freemium
  onboarding: self-serve
  trial: false
  try_now: true
  public: false
  label: Freemium · Self-serve signup
  confidence: high
  source:
  - plans
  - authentication
  generated: '2026-07-22'
  method: derived
position: Consuming
access: 3rd-Party
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/decentro.png
tags:
- Banking
- Banking as a Service
- Fintech
- India
- KYC
- Ledger
- Payments
- UPI
- Virtual Accounts
tags_raw:
- Banking
- Banking-as-a-Service
- FinTech
- India
- KYC
- Ledger
- Payments
- UPI
- Virtual Accounts
created: '2025-02-24'
modified: '2026-05-19'
specificationVersion: '0.23'
description: 'Decentro is a banking-as-a-service platform that provides businesses with seamless integration to Indian banking
  infrastructure - including payments (UPI, IMPS, NEFT, RTGS), virtual accounts, KYC, ledger primitives, and credit-bureau
  data. Decentro publishes a developer portal and Postman collection covering six API categories: KYC & Onboarding, Bytes
  (alternate data), Scanner (forensics), Payments, Virtual Accounts, and Ledger.'
apis:
- aid: decentro:kyc-api
  name: Decentro KYC & Onboarding API
  description: Identity verification, customer onboarding, DigiLocker integration, Aadhaar OTP, document classification, and
    face match.
  humanURL: https://docs.decentro.tech/
  baseURL: https://in.decentro.tech
  tags:
  - Aadhaar
  - DigiLocker
  - Forensics
  - KYC
  - Onboarding
  properties:
  - type: Documentation
    url: https://docs.decentro.tech/
  - type: OpenAPI
    url: openapi/decentro-kyc-api-openapi.yml
- aid: decentro:virtual-accounts-api
  name: Decentro Virtual Accounts API
  description: Create and manage virtual bank accounts, balances, statements, and remitter whitelisting for collections and
    reconciliation.
  humanURL: https://docs.decentro.tech/
  baseURL: https://in.decentro.tech
  tags:
  - Banking
  - Reconciliation
  - Virtual Accounts
  properties:
  - type: Documentation
    url: https://docs.decentro.tech/
  - type: OpenAPI
    url: openapi/decentro-virtual-accounts-api-openapi.yml
  - type: JSONSchema
    url: json-schema/decentro-virtual-account.json
- aid: decentro:decentro-accounts-api
  name: Decentro Accounts API
  description: The Accounts API from Decentro — 2 operation(s) for accounts.
  humanURL: https://docs.decentro.tech/
  baseURL: https://in.decentro.tech
  tags:
  - Account
  tags_raw:
  - Accounts
  properties:
  - type: OpenAPI
    url: openapi/decentro-accounts-api-openapi.yml
  - type: Documentation
    url: https://docs.decentro.tech/
  - type: JSONSchema
    url: json-schema/decentro-payout.json
  - type: Rules
    url: rules/decentro-payments-api-rules.yml
- aid: decentro:decentro-collections-api
  name: Decentro Collections API
  description: The Collections API from Decentro — 2 operation(s) for collections.
  humanURL: https://docs.decentro.tech/
  baseURL: https://in.decentro.tech
  tags:
  - Collection
  tags_raw:
  - Collections
  properties:
  - type: OpenAPI
    url: openapi/decentro-collections-api-openapi.yml
  - type: Documentation
    url: https://docs.decentro.tech/
  - type: JSONSchema
    url: json-schema/decentro-payout.json
  - type: Rules
    url: rules/decentro-payments-api-rules.yml
- aid: decentro:decentro-forensics-api
  name: Decentro Forensics API
  description: The Forensics API from Decentro — 2 operation(s) for forensics.
  humanURL: https://docs.decentro.tech/
  baseURL: https://in.decentro.tech
  tags:
  - Forensics
  properties:
  - type: OpenAPI
    url: openapi/decentro-forensics-api-openapi.yml
  - type: Documentation
    url: https://docs.decentro.tech/
  - type: JSONSchema
    url: json-schema/decentro-payout.json
  - type: Rules
    url: rules/decentro-payments-api-rules.yml
- aid: decentro:decentro-journals-api
  name: Decentro Journals API
  description: The Journals API from Decentro — 1 operation(s) for journals.
  humanURL: https://docs.decentro.tech/
  baseURL: https://in.decentro.tech
  tags:
  - Journals
  properties:
  - type: OpenAPI
    url: openapi/decentro-journals-api-openapi.yml
  - type: Documentation
    url: https://docs.decentro.tech/
  - type: JSONSchema
    url: json-schema/decentro-payout.json
  - type: Rules
    url: rules/decentro-payments-api-rules.yml
- aid: decentro:decentro-mandates-api
  name: Decentro Mandates API
  description: The Mandates API from Decentro — 2 operation(s) for mandates.
  humanURL: https://docs.decentro.tech/
  baseURL: https://in.decentro.tech
  tags:
  - Mandates
  properties:
  - type: OpenAPI
    url: openapi/decentro-mandates-api-openapi.yml
  - type: Documentation
    url: https://docs.decentro.tech/
  - type: JSONSchema
    url: json-schema/decentro-payout.json
  - type: Rules
    url: rules/decentro-payments-api-rules.yml
- aid: decentro:decentro-payouts-api
  name: Decentro Payouts API
  description: The Payouts API from Decentro — 2 operation(s) for payouts.
  humanURL: https://docs.decentro.tech/
  baseURL: https://in.decentro.tech
  tags:
  - Payouts
  properties:
  - type: OpenAPI
    url: openapi/decentro-payouts-api-openapi.yml
  - type: Documentation
    url: https://docs.decentro.tech/
  - type: JSONSchema
    url: json-schema/decentro-payout.json
  - type: Rules
    url: rules/decentro-payments-api-rules.yml
- aid: decentro:decentro-settlements-api
  name: Decentro Settlements API
  description: The Settlements API from Decentro — 1 operation(s) for settlements.
  humanURL: https://docs.decentro.tech/
  baseURL: https://in.decentro.tech
  tags:
  - Settlement
  tags_raw:
  - Settlements
  properties:
  - type: OpenAPI
    url: openapi/decentro-settlements-api-openapi.yml
  - type: Documentation
    url: https://docs.decentro.tech/
  - type: JSONSchema
    url: json-schema/decentro-payout.json
  - type: Rules
    url: rules/decentro-payments-api-rules.yml
- aid: decentro:decentro-transactions-api
  name: Decentro Transactions API
  description: The Transactions API from Decentro — 1 operation(s) for transactions.
  humanURL: https://docs.decentro.tech/
  baseURL: https://in.decentro.tech
  tags:
  - Transaction
  tags_raw:
  - Transactions
  properties:
  - type: OpenAPI
    url: openapi/decentro-transactions-api-openapi.yml
  - type: Documentation
    url: https://docs.decentro.tech/
  - type: JSONSchema
    url: json-schema/decentro-payout.json
  - type: Rules
    url: rules/decentro-payments-api-rules.yml
- aid: decentro:decentro-verification-api
  name: Decentro Verification API
  description: The Verification API from Decentro — 1 operation(s) for verification.
  humanURL: https://docs.decentro.tech/
  baseURL: https://in.decentro.tech
  tags:
  - Verification
  properties:
  - type: OpenAPI
    url: openapi/decentro-verification-api-openapi.yml
  - type: Documentation
    url: https://docs.decentro.tech/
  - type: JSONSchema
    url: json-schema/decentro-payout.json
  - type: Rules
    url: rules/decentro-payments-api-rules.yml
common:
- type: CapabilityMap
  url: capabilities/decentro-capability-edges.yml
  name: Decentro Business Capability Map
- type: AgenticAccess
  url: agentic-access/decentro-agentic-access.yml
- type: DomainSecurity
  url: security/decentro-domain-security.yml
- type: Authentication
  url: authentication/decentro-authentication.yml
- type: GitHubOrganization
  url: https://github.com/decentro-in
- type: LinkedIn
  url: https://www.linkedin.com/company/decentro
- type: Website
  url: https://decentro.tech/
- type: Portal
  url: https://docs.decentro.tech/
- type: Reference
  url: https://docs.decentro.tech/reference
- type: Blog
  url: https://decentro.tech/blog/
- type: Pricing
  url: https://decentro.tech/pricing/
- type: JSONLD
  url: json-ld/decentro-context.jsonld
- type: Vocabulary
  url: vocabulary/decentro-vocabulary.yml
- type: LlmsText
  url: https://docs.decentro.tech/llms.txt
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

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