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 📡 Source on GitHub

8.6/100 minimal ▬ flat Agent 0/100 human only Full breakdown ↓
scored 2026-07-27 · rubric v0.5

0 APIs

Digital BankNeobankMobile BankingMicro-LendingConsumer CreditPersonal LoansSavingsCardsPaymentsBusiness BankingSME BankingFinancial InclusionEmerging MarketsNigeriaIndiaAfricaFintech

Kin Score

Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5

Composite quality — 8.6/100 · minimal

Contract Quality 0.0 / 25

Developer Ergonomics 0.4 / 20

Commercial Clarity 0.0 / 20

Operational Transparency 0.7 / 13

Governance 0.0 / 12

Discoverability 6.8 / 10

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 15

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

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/fairmoney: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

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
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source: []
  generated: '2026-07-22'
  method: derived
position: Provider
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: '0.20'
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