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 12 API contracts indexed on the APIs.io network, including KYC & Onboarding API, Virtual Accounts API, Accounts API, and 9 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 13 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

34.1/100 thin ▬ flat Agent 23/100 agent aware Front door AI 1/6 silent Heartbeat 52/100 alive saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

AccessFreemiumSelf serve⚡ Free to try

2 published contracts

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

What this lets a business do 3

Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →

Banking Customer Management

BC-1300

ForensicsKYCVerification

POST /v2/kyc/identities/aadhaar/otp/generate POST /v2/kyc/digilocker/initialize POST /v2/kyc/forensics/document_classification POST /v2/kyc/forensics/face_match

Payments & Card Management

BC-1340

MandatesPayoutsSettlements

Deposits & Savings Management

BC-1330

Virtual Accounts

POST /v2/banking/account GET /v2/banking/account/balance GET /v2/banking/account/statement

Kin Score

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

Composite quality — 34.1/100 · thin

Contract Quality 10.1 / 19

Developer Ergonomics 6.1 / 15

Access Clarity 2.0 / 15

Operational Transparency 0.8 / 10

Contract Governance 2.5 / 9

Discoverability 5.5 / 8

Regulatory Posture 2.0 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 23/100 · 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 7 / 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

Pagination 0 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

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/.

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

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
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
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document
Delegated User Identity +6 pts — a served discovery document listing authorization_code in grant_types_supported (served), else an oauth2 authorizationCode flow or openIdConnect declared in an OpenAPI (documented)

8 more unmet checks in the Agent Readiness table above.

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

Access Clarity scores 13.2 — up to +17.4 composite points
Operational Transparency scores 7.9 — up to +12.0 composite points
Developer Ergonomics scores 40.5 — up to +11.9 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/decentro/apis.yml: open an issue on github.com/api-evangelist/decentro 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 →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
India Stack (Account Aggregator, ONDC, UPI, DigiLocker, Aadhaar)	regulated	28.8 (thin)	-	-
India RBI Regulated Entities (payment system operators, payment aggregators, PPI issuers, NBFCs, AAs)	regulated	28.8 (thin)	-	-
India RBI / SEBI Registers (SEBI intermediaries, RBI NBFCs, payment aggregators, PPI issuers, AAs)	regulated	28.8 (thin)	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Standards implemented 2

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

RESO UPI

tagged — the provider's own APIs.json carries the standard as a tag; implementation not verified

OpenAPI

measured — observed by APIs.io (published)

APIs 12

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 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 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.

Decentro Auth API

The Auth API from Decentro — 1 operation(s) for auth.

Decentro Banking API

The Banking API from Decentro — 11 operation(s) for banking.

Decentro Decentro API

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

Decentro Deposit Simulation API

The Deposit Simulation API from Decentro — 1 operation(s) for deposit simulation.

Decentro Payments API

The Payments API from Decentro — 29 operation(s) for payments.

Scroll for all 12

Open Collections 13

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

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 13

Decentro API pricing

Not yet checked against Decentro's own pricing page. Compiled by API Evangelist on 2026-05-05 from decentro.tech; confirm before you rely on a figure. A free plan or tier is listed.

Plan	Price
Sandbox freemium	Free
Production usage-based	—

Plan details, limits and sources →

Rate limits

Rail-specific TPS: rail-specific — see Decentro enterprise portal transactions per second
KYC / Aadhaar / DigiLocker upstream throttles: regulator/issuer-defined requests per minute

Compiled by API Evangelist, not yet checked against Decentro's documentation. Rate-limit details →

Billed by: request · FinOps profile →

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

Service Levels 1

Uptime the provider promises or reports, as SLA4OAI. Read from its own pages; APIs.io runs no monitors.

Decentro

SLA

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 — jsonschema rules

5 rules · 4 warnings 1 info

SPECTRAL

Decentro — payments 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

Operate 1

Status, limits, changes, and where to get help

RateLimits

RateLimits

Commercial 3

Pricing, plans, and the legal terms of use

Plans

Plans

FinOps

FinOps

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
  gated: none
  gated_source:
  - onboarding
  label: Freemium · Self-serve signup
  confidence: medium
  source:
  - plans
  - authentication
  - security
  generated: '2026-11-06'
  method: derived
position: Consuming
access: 3rd-Party
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/decentro.png
x-docs-platform: readme
x-docs-platform-confidence: high
x-docs-platform-checked: 2026-09-25
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-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-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
- aid: decentro:decentro-auth-api
  name: Decentro Auth API
  description: The Auth API from Decentro — 1 operation(s) for auth.
  humanURL: https://docs.decentro.tech/
  baseURL: https://in.decentro.tech
  tags:
  - Authentication
  tags_raw:
  - Auth
  properties:
  - type: OpenAPI
    url: openapi/decentro-auth-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-banking-api
  name: Decentro Banking API
  description: The Banking API from Decentro — 11 operation(s) for banking.
  humanURL: https://docs.decentro.tech/
  baseURL: https://in.decentro.tech
  tags:
  - Banking
  properties:
  - type: OpenAPI
    url: openapi/decentro-banking-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-decentro-api
  name: Decentro Decentro API
  description: The Decentro API from Decentro — 2 operation(s) for decentro.
  humanURL: https://docs.decentro.tech/
  baseURL: https://in.decentro.tech
  tags:
  - Decentro
  properties:
  - type: OpenAPI
    url: openapi/decentro-decentro-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-deposit-simulation-api
  name: Decentro Deposit Simulation API
  description: The Deposit Simulation API from Decentro — 1 operation(s) for deposit simulation.
  humanURL: https://docs.decentro.tech/
  baseURL: https://in.decentro.tech
  tags:
  - Deposit Simulation
  properties:
  - type: OpenAPI
    url: openapi/decentro-deposit-simulation-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-payments-api
  name: Decentro Payments API
  description: The Payments API from Decentro — 29 operation(s) for payments.
  humanURL: https://docs.decentro.tech/
  baseURL: https://in.decentro.tech
  tags:
  - Payments
  properties:
  - type: OpenAPI
    url: openapi/decentro-payments-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: Plans
  url: plans/decentro-plans-pricing.yml
- type: RateLimits
  url: rate-limits/decentro-rate-limits.yml
- type: FinOps
  url: finops/decentro-finops.yml
- 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

Decentro API — frequently asked questions

Does Decentro have an API?

Yes. APIs.io lists 12 APIs from Decentro, including Decentro KYC & Onboarding API, Decentro Virtual Accounts API and Decentro Accounts API, and 9 more.

Is there an OpenAPI specification for the Decentro API?

Yes. APIs.io indexes 12 OpenAPI specifications for Decentro, each linked for download from this page.

How do I authenticate with the Decentro API?

Decentro uses bearer-token authentication (apiKey · 1 scheme). The details are profiled on APIs.io as Decentro Authentication.

How much does the Decentro API cost?

APIs.io lists 2 pricing plans for Decentro, with each plan's price, limits and inclusions under Pricing on this page.

Is the Decentro API ready for AI agents?

Decentro has a Kin Score of 34.1 out of 100 (thin) and an Agent Readiness score of 23.0 (agent-aware), scored by API Evangelist on 2026-11-06.

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