# FairMoney

**Canonical:** https://apis.io/providers/fairmoney/  
**Website:** https://fairmoney.io  
**APIs profiled:** 0

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.

## Kin Score — 2.2 / 100 (minimal)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 2.2).

| Facet | Score |
|---|---|
| Discoverability | 50.0 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 5.3 |
| Developer Ergonomics | 0.0 |
| Commercial Clarity | 0.0 |
| Access Clarity | 0.0 |

Regulatory layer — **Banking & Open Finance**: 7.6 (matched via tags).

## Agent readiness — 0.0 (human-only)

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

## Access

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## Security (1)

- **Fairmoney Domain Security** — TLSv1.3 · DNSSEC · DMARC

## 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

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