Duplo website screenshot

Duplo

Duplo is a fintech company building the financial operating system for African and emerging-market businesses, headquartered in Lagos, Nigeria with operations in South Africa. Its platform unifies B2B payments and spend management: automated expense tracking with approval workflows, local and international (cross-border) payments, multi-currency global business accounts, NRS-compliant e-invoicing, direct debit, tax management, auto reconciliation, bulk payments to up to 500 recipients, and real-time financial reporting. For developers, Duplo exposes Atlas, a global payments API (base host atlas.tryduplo.com) covering collections/checkout, disbursements and bulk payouts, virtual accounts, payment links, exchange rates and FX swaps, wallet management, and e-invoicing, authenticated with Bearer API keys and delivering event notifications via webhooks. Duplo maintains PCI DSS, ISO 27001 and ISO 22301 certifications, is NDPR compliant, and operates under Central Bank of Nigeria oversight as a licensed Payment Service Solution Provider (PSSP).

Duplo is listed with 1 API on the APIs.io network. Tagged areas include Company, Fintech, Payments, B2B Payments, and Cross-Border Payments.

The Duplo catalog on APIs.io includes 1 event-driven AsyncAPI specification.

Duplo’s developer surface includes engineering blog, documentation, API reference, getting-started guide, support, pricing, signup flow, and 24 more developer resources.

58.5/100 strong ▬ flat Agent 24/100 agent aware Front door AI 1/6 silent Heartbeat 100/100 alive saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →
AccessFreemiumSelf serve⚡ Free to try
1 API 5 Agent Skills
CompanyFintechPaymentsB2B PaymentsCross-Border PaymentsExpense ManagementVirtual AccountsE-InvoicingForeign ExchangeAfricaNigeria

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0
Regulatory Posture applies to this provider. Its tags matched the Payments 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):
  • 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
  • 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)
  • A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
  • Rate-Limit Signaling +7 pts — OpenAPI responses document X-RateLimit-* / RateLimit headers (verified), else a rate_limits artifact or RateLimits link (documented)
  • Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link
8 more unmet checks in the Agent Readiness table above.
Kin Score — facets with the most composite points still available (weight × headroom):
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/duplo/apis.yml: open an issue on github.com/api-evangelist/duplo 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.

MarketPositionDepthRegistered MCP serverDeclares compatibility
African Payments (Nigeria, Kenya, South Africa, Ghana, WAEMU) undeclared - - -

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.

APIs 1

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

Atlas Payments API

Atlas is Duplo's global payments API for African and emerging-market businesses: collect payments (checkout, payment links, virtual accounts), disburse funds (single and bulk ba...

Agent Skills 5

Packaged agent skills for driving this provider's APIs from an AI assistant.

Send a bank payout

AGENT SKILL

Duplo API pricing

Prices published by Duplo, read 2026-10-28 from tryduplo.com/pricing/.

PlanPrice
Essentials Book a Demo
Includes: 100 Free Payouts (Bank Transfer), Expense Management, Simple Approvals (maximum of 3 approval stages
Pro Book a Demo
Includes: Everything on Essentials, plus: Complex Approvals (unlimited stages), Direct Debit, Automatic paymen
Enterprise Request a Quote
Includes: Everything on Pro, plus: Customized advanced integrations, Tailor-made development, Tailor made supp
Outflow (Payouts) ₦5,000 and below ₦10/ transaction
Outflow (Payouts) ₦5,001 - ₦50,000 ₦25/ transaction
Outflow (Payouts) ₦50,001 and above ₦50/ transaction
Free Tier $0/month
Includes: Basic multi-currency accounts, Real mid-market FX rates, Mobile app access, Standard support
Premium Tier 1 $50/month
Includes: API access, Treasury tools, Dedicated account manager, Priority support

All 10 plans, limits and sources →

Billed by: transaction · FinOps profile →

Pricing Plans 2

Published pricing tiers and plan structures.

Duplo Plans Pricing

10 plans

PLANS

Duplo Price Estimates

0 plans

PLANS

Service Levels 1

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

Duplo

SLA

FinOps 1

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

Duplo Finops

FINOPS

Event Specifications 1

AsyncAPI definitions for this provider's event-driven and streaming APIs.

Security Posture 2

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

Duplo Authentication

http · 1 scheme

SECURITY

Duplo Domain Security

TLSv1.3 · DMARC

SECURITY

Resources

Get Started 5

Portal, sign-up, and the first successful call

Documentation 2

Reference material describing how the API behaves

Agent Surfaces 3

MCP servers, agent skills, and machine-readable catalogs

Design & Contract 6

Pagination, idempotency, versioning, errors, and events

Build 1

SDKs, sample code, and the tooling you integrate with

Access & Security 3

Authentication, authorization, and security posture

Operate 3

Status, limits, changes, and where to get help

Commercial 4

Pricing, plans, and the legal terms of use

Company 4

The organization behind the API

Source (apis.yml)

apis.yml Raw ↑
aid: duplo
name: Duplo
description: 'Duplo is a fintech company building the financial operating system for African and emerging-market businesses,
  headquartered in Lagos, Nigeria with operations in South Africa. Its platform unifies B2B payments and spend management:
  automated expense tracking with approval workflows, local and international (cross-border) payments, multi-currency global
  business accounts, NRS-compliant e-invoicing, direct debit, tax management, auto reconciliation, bulk payments to up to
  500 recipients, and real-time financial reporting. For developers, Duplo exposes Atlas, a global payments API (base host
  atlas.tryduplo.com) covering collections/checkout, disbursements and bulk payouts, virtual accounts, payment links, exchange
  rates and FX swaps, wallet management, and e-invoicing, authenticated with Bearer API keys and delivering event notifications
  via webhooks. Duplo maintains PCI DSS, ISO 27001 and ISO 22301 certifications, is NDPR compliant, and operates under Central
  Bank of Nigeria oversight as a licensed Payment Service Solution Provider (PSSP).'
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - 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: high
  source:
  - plans
  - authentication
  - security
  - sandbox
  generated: '2026-11-06'
  method: derived
image: https://tryduplo.com/wp-content/uploads/2026/04/Dashboard-1-01-scaled.webp
url: https://raw.githubusercontent.com/api-evangelist/duplo/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- point-nine
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-10-06'
tags:
- Company
- Fintech
- Payments
- B2B Payments
- Cross-Border Payments
- Expense Management
- Virtual Accounts
- E-Invoicing
- Foreign Exchange
- Africa
- Nigeria
tags_raw:
- Company
- FinTech
- Payments
- B2B Payments
- Cross-Border Payments
- Expense Management
- Virtual Accounts
- E-Invoicing
- Foreign Exchange
- Africa
- Nigeria
apis:
- name: Atlas Payments API
  description: 'Atlas is Duplo''s global payments API for African and emerging-market businesses: collect payments (checkout,
    payment links, virtual accounts), disburse funds (single and bulk bank payouts, international transfers), run exchange-rate
    lookups and FX swaps, manage wallets, and issue NRS e-invoices. Authenticated with Bearer API keys, with test and live
    modes selected by the key, and webhook event notifications.'
  humanURL: https://docs.tryduplo.com/en/atlas
  baseURL: https://atlas.tryduplo.com
  tags:
  - Payments
  - Collection
  - Disbursements
  - Foreign Exchange
  - E-Invoicing
  tags_raw:
  - Payments
  - Collections
  - Disbursements
  - FX
  - E-Invoicing
  properties:
  - type: Documentation
    url: https://docs.tryduplo.com/en/atlas
  - type: APIReference
    url: https://docs.tryduplo.com/en/atlas/overview
  - type: GettingStarted
    url: https://docs.tryduplo.com/en/atlas/guides
  - type: Authentication
    url: authentication/duplo-authentication.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Plans
  url: plans/duplo-plans-pricing.yml
- url: https://tryduplo.com/news/
  type: Blog
- url: https://tryduplo.com/feed/
  type: BlogRSS
- type: DomainSecurity
  url: security/duplo-domain-security.yml
- type: Website
  url: https://tryduplo.com
- type: DeveloperPortal
  url: https://docs.tryduplo.com
- type: Documentation
  url: https://docs.tryduplo.com/en/atlas
- type: APIReference
  url: https://docs.tryduplo.com/en/atlas/overview
- type: GettingStarted
  url: https://docs.tryduplo.com/en/atlas/guides
- type: Blog
  url: https://tryduplo.com/blog
- type: Support
  url: https://duplo.zohodesk.com
- type: StatusPage
  url: https://status.tryduplo.com
- type: Pricing
  url: https://tryduplo.com/pricing
- type: SignUp
  url: https://dashboard.tryduplo.com
- type: Login
  url: https://dashboard.tryduplo.com
- type: TermsOfService
  url: https://tryduplo.com/terms-and-conditions
- type: PrivacyPolicy
  url: https://tryduplo.com/privacy-policy
- type: GitHubOrganization
  url: https://github.com/tryduplo
- type: ChangeLog
  url: https://docs.tryduplo.com/en/atlas/changelogs
- type: Compliance
  url: conformance/duplo-conformance.yml
- type: Authentication
  url: authentication/duplo-authentication.yml
- type: Conventions
  url: conventions/duplo-conventions.yml
- type: Sandbox
  url: sandbox/duplo-sandbox.yml
- type: Lifecycle
  url: lifecycle/duplo-lifecycle.yml
- type: Conformance
  url: conformance/duplo-conformance.yml
- type: Webhooks
  url: asyncapi/duplo-atlas-webhooks.yml
- type: X-MCPServerCandidate
  url: mcp/duplo-mcp.yml
  note: 'Renamed from MCPServer 2026-09-03 (roadmap#247): the manifest self-describes as status: candidate — a tool list derived
    from the published API contracts, not an existing server. The scorer already read the manifest and reported mcp_server
    correctly; the MCPServer type was crediting the artifact-type surfaces with a server that does not exist.'
- type: AgentSkill
  url: skills/_index.yml
- type: DataModel
  url: data-model/duplo-data-model.yml
- type: ErrorCatalog
  url: errors/duplo-problem-types.yml
- type: LLMsTxt
  url: llms/duplo-llms.txt
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence

Duplo API — frequently asked questions

Does Duplo have an API?

Yes. APIs.io lists 1 API from Duplo, including Atlas Payments API.

How do I authenticate with the Duplo API?

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

How much does the Duplo API cost?

Duplo publishes its prices; its Essentials plan is Book a Demo as of 2026-10-28. APIs.io lists 10 pricing plans for Duplo, with each plan's price, limits and inclusions under Pricing on this page.

Is the Duplo API ready for AI agents?

Duplo has a Kin Score of 58.5 out of 100 (strong) and an Agent Readiness score of 23.6 (agent-aware), scored by API Evangelist on 2026-11-06.

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