# Decentro

**Canonical:** https://apis.io/providers/decentro/  
**Website:** https://decentro.tech/  
**APIs profiled:** 11

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.

## Kin Score — 34.4 / 100 (thin)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 34.4).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 59.4 |
| Governance | 25.0 |
| Contract Governance | 25.0 |
| Operational Transparency | 7.9 |
| Developer Ergonomics | 31.0 |
| Commercial Clarity | 13.2 |
| Access Clarity | 13.2 |

Regulatory layer — **Banking & Open Finance**: 21.5 (matched via tags).

## Agent readiness — 31.1 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | documented |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | documented |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Freemium · Self-serve signup — onboarding: self-serve, pricing: freemium, trial: no (confidence: high).

## APIs (11)

- **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.

## Agentic access (1)

- **Decentro Agentic Access** — 22 operations · 16 acting

## Security (2)

- **Decentro Authentication** — apiKey · 1 scheme
- **Decentro Domain Security** — TLSv1.2 · HSTS · DMARC

## Plans (1)

- **Decentro Plans Pricing**

## Tags

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

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