Decentro website screenshot

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 9 more developer resources.

🌐 Visit website 📡 Source on GitHub
44.3/100 developing ▼ -6.0 Agent 31/100 agent aware Full breakdown ↓
scored 2026-07-28 · rubric v0.6
AccessFreemiumSelf serve⚡ Free to try
11 APIs
BankingBanking-as-a-ServiceFinTechIndiaKYCLedgerPaymentsUPIVirtual Accounts

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-28 · rubric v0.6
Composite quality — 44.3/100 · developing
Contract Quality 15.7 / 25
Developer Ergonomics 5.7 / 20
Commercial Clarity 7.9 / 20
Operational Transparency 3.4 / 13
Governance 8.3 / 12
Discoverability 7.4 / 10
Agent readiness — 31/100 · agent aware
Machine-Readable Contract 18 / 18
Agentic Access Contract 10 / 10
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
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. 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. Want it done for you? Prioritized profiling — $2,500 →

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 4

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

Decentro KYC & Onboarding API

OPEN COLLECTION

Decentro Ledger API

OPEN COLLECTION

Decentro Payments API

OPEN COLLECTION

Decentro Virtual Accounts API

OPEN COLLECTION

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

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
LinkedIn
 Website
Website
 Blog
Blog

Source (apis.yml)

apis.yml Raw ↑ 
aid: decentro
name: Decentro
url: https://raw.githubusercontent.com/api-evangelist/decentro/refs/heads/main/apis.yml
kind: company
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
created: '2025-02-24'
modified: '2026-05-19'
specificationVersion: '0.19'
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:
  - 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
  - type: Capabilities
    url: capabilities/decentro-payments-api-capabilities.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:
  - 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
  - type: Capabilities
    url: capabilities/decentro-payments-api-capabilities.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
  - type: Capabilities
    url: capabilities/decentro-payments-api-capabilities.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
  - type: Capabilities
    url: capabilities/decentro-payments-api-capabilities.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
  - type: Capabilities
    url: capabilities/decentro-payments-api-capabilities.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
  - type: Capabilities
    url: capabilities/decentro-payments-api-capabilities.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:
  - 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
  - type: Capabilities
    url: capabilities/decentro-payments-api-capabilities.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:
  - 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
  - type: Capabilities
    url: capabilities/decentro-payments-api-capabilities.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
  - type: Capabilities
    url: capabilities/decentro-payments-api-capabilities.yml
common:
- 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