FairMoney

FairMoney is a credit-led digital bank for emerging markets, founded in 2017 and headquartered in Paris, France, with operating subsidiaries in Nigeria and India. The company began life as a France-incubated micro- lending app and pivoted to focus on Africa, becoming one of the largest digital lenders in Nigeria after the Central Bank of Nigeria granted its subsidiary a Microfinance Bank (MfB) license. FairMoney's consumer mobile app offers near-instant collateral-free personal loans, FlexiCredit, asset finance, savings products (FairLock, FairSave, FairTarget, FairDollar), a current account, debit cards, bill payments, and peer-to-peer transfers. Its Business Banking arm extends current accounts, payments, and credit to Nigerian SMEs. In India, FairMoney operates as a digital lender disbursing small-ticket personal loans through its mobile app. FairMoney does not publish a public developer API, OpenAPI specification, SDKs, or a third-party developer portal; integration is internal and partner- driven, and the company's only public technical surface is its engineering GitHub organization, which mirrors infrastructure-as-code and open-source tooling forks (Terraform AWS modules, GitHub Actions, rubocop, puma plugins, salesforce_bulk_api) rather than a product API.

FairMoney is profiled on the APIs.io network. Tagged areas include Digital Bank, Neobank, Mobile Banking, Micro-Lending, and Consumer Credit.

FairMoney’s developer surface includes engineering blog, FAQ, GitHub presence, and 15 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

3.2/100 minimal ▬ flat Agent 0/100 human only Front door AI 1/6 silent Heartbeat 0/100 dormant Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

0 APIs

Digital Bank Neobank Mobile BankingMicro-LendingConsumer Credit Personal Loans Savings Cards Payments Business BankingSME BankingFinancial Inclusion Emerging Markets Nigeria India Africa Fintech

Kin Score

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

Composite quality — 3.2/100 · minimal

Contract Quality 0.0 / 21

Developer Ergonomics 0.0 / 17

Access Clarity 0.0 / 17

Operational Transparency 0.6 / 11

Contract Governance 0.0 / 10

Discoverability 4.2 / 9

Regulatory Posture 0.7 / 15

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 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 5 / 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 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):

Machine-Readable Contract +18 pts — api_specs includes an OpenAPI document
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
Machine-Readable Auth +10 pts — a served openid-configuration/oauth-authorization-server carrying `issuer` (served), else the securitySchemes class in the provider OpenAPIs — bound (mutualTLS, DPoP, Signature) > negotiable (oauth2 authorizationCode/clientCredentials, openIdConnect) > bearer (http bearer, apiKey)
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

13 more unmet checks in the Agent Readiness table above.

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

Contract Quality scores 0.0 — up to +25.0 composite points
Developer Ergonomics scores 0.0 — up to +20.0 composite points
Access Clarity scores 0.0 — up to +20.0 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/fairmoney/apis.yml: open an issue on github.com/api-evangelist/fairmoney 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
African Payments (Nigeria, Kenya, South Africa, Ghana, WAEMU)	undeclared	-	-	-
Consumer Lending Licensing (UK, US, Canada credit licence registers)	undeclared	-	-	-
India RBI Regulated Entities (payment system operators, payment aggregators, PPI issuers, NBFCs, AAs)	undeclared	-	-	-
India RBI / SEBI Registers (SEBI intermediaries, RBI NBFCs, payment aggregators, PPI issuers, AAs)	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.

Security Posture 1

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

Fairmoney Domain Security

TLSv1.3 · DNSSEC · DMARC

SECURITY

Resources

Build 1

SDKs, sample code, and the tooling you integrate with

GitHub

GitHub

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Operate 2

Status, limits, changes, and where to get help

FAQ

FAQ

Contact

Contact

Company 7

The organization behind the API

Website

About

Blog

Press

Newsroom

Careers

LinkedIn

Scroll for all 7

Other 7

Properties that don't map to a standard resource type

Loans

FlexiCredit

AssetFinance

Savings

BusinessBanking

Download

GooglePlay

Scroll for all 7

Source (apis.yml)

aid: fairmoney
name: FairMoney
description: FairMoney is a credit-led digital bank for emerging markets, founded in 2017 and headquartered in Paris, France,
  with operating subsidiaries in Nigeria and India. The company began life as a France-incubated micro- lending app and pivoted
  to focus on Africa, becoming one of the largest digital lenders in Nigeria after the Central Bank of Nigeria granted its
  subsidiary a Microfinance Bank (MfB) license. FairMoney's consumer mobile app offers near-instant collateral-free personal
  loans, FlexiCredit, asset finance, savings products (FairLock, FairSave, FairTarget, FairDollar), a current account, debit
  cards, bill payments, and peer-to-peer transfers. Its Business Banking arm extends current accounts, payments, and credit
  to Nigerian SMEs. In India, FairMoney operates as a digital lender disbursing small-ticket personal loans through its mobile
  app. FairMoney does not publish a public developer API, OpenAPI specification, SDKs, or a third-party developer portal;
  integration is internal and partner- driven, and the company's only public technical surface is its engineering GitHub organization,
  which mirrors infrastructure-as-code and open-source tooling forks (Terraform AWS modules, GitHub Actions, rubocop, puma
  plugins, salesforce_bulk_api) rather than a product API.
type: Index
deliveryModel:
  model: unknown
  open_source: false
  commercial: false
  callable_host: false
  label: Delivery model not determined — needs a product licence on record
  confidence: low
  source:
  - none
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - security
  generated: '2026-11-06'
  method: derived
position: Producing
access: 3rd-Party
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/fairmoney.png
tags:
- Digital Bank
- Neobank
- Mobile Banking
- Micro-Lending
- Consumer Credit
- Personal Loans
- Savings
- Cards
- Payments
- Business Banking
- SME Banking
- Financial Inclusion
- Emerging Markets
- Nigeria
- India
- Africa
- Fintech
url: https://raw.githubusercontent.com/api-evangelist/fairmoney/refs/heads/main/apis.yml
created: '2026-05-24'
modified: '2026-05-24'
specificationVersion: '0.23'
apis: []
common:
- type: DomainSecurity
  url: security/fairmoney-domain-security.yml
- type: Website
  url: https://fairmoney.io
- type: About
  url: https://fairmoney.io/about-us
- type: Loans
  url: https://fairmoney.io/loans
- type: FlexiCredit
  url: https://fairmoney.io/products/flexicredit
- type: AssetFinance
  url: https://fairmoney.io/products/asset-finance
- type: Savings
  url: https://fairmoney.io/savings-products
- type: BusinessBanking
  url: https://fairmoney.io/business/banking
- type: Download
  url: https://fairmoney.io/download
- type: Blog
  url: https://fairmoney.io/blog
- type: Press
  url: https://fairmoney.io/press
- type: Newsroom
  url: https://fairmoney.io/newsroom
- type: Careers
  url: https://fairmoney.io/careers
- type: FAQ
  url: https://fairmoney.io/faqs
- type: Contact
  url: https://fairmoney.io/contact
- type: GitHub
  url: https://github.com/fairmoney
- type: LinkedIn
  url: https://ng.linkedin.com/company/fairmoney
- type: GooglePlay
  url: https://play.google.com/store/apps/details?id=ng.com.fairmoney.fairmoney
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

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