Fence

Fence is a tech‑native facility agency for asset‑backed finance, providing real‑time control and transparency for lenders and originators. It builds the operating layer that connects assets such as credit cards, invoices, BNPL purchases, auto loans, leases, and mortgages with capital instantly, enabling faster, cheaper financing while maintaining full traceability and compliance.

Fence publishes 5 API contracts indexed on the APIs.io network, including Authentication API, Declaration monitoring API, Documents API, and 2 more. Tagged areas include Company, Fintech, Asset-Backed-Finance, Real-Time, and API.

The Fence catalog on APIs.io includes 1 JSON-LD context and 1 Spectral governance ruleset.

Fence’s developer surface includes authentication, engineering blog, documentation, API reference, support, and 19 more developer resources.

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40.2/100 developing Agent 40/100 agent ready Full breakdown ↓
scored 2026-10-31 · rubric v0.25.0 · Show this score on your site →

1 published contract 5 Agent Skills

Company FintechAsset-Backed-FinanceReal-TimeAPI

Kin Score

Kin Score How this is scored →
scored 2026-10-31 · rubric v0.25.0

Composite quality — 40.2/100 · developing

Contract Quality 13.6 / 21

Developer Ergonomics 6.4 / 17

Access Clarity 1.8 / 17

Operational Transparency 1.2 / 11

Contract Governance 3.6 / 10

Discoverability 5.6 / 9

Regulatory Posture 4.6 / 15

Agent readiness — 40/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 9 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 0 / 6

Agent Skills 5 / 5

Well-Known Catalog 4 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 4 / 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

Regulatory Posture applies to this provider. Its tags matched the Horizontal (data, software, accessibility, platform) 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
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link
Delegated User Identity +6 pts — a served discovery document listing authorization_code in grant_types_supported (served), else an oauth2 authorizationCode flow or openIdConnect declared in an OpenAPI (documented)
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document
Typed Event Surface +6 pts — AsyncAPI document, OR webhooks/callbacks objects in the as-published OpenAPI, OR common[].type includes Webhooks

4 more unmet checks in the Agent Readiness table above.

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

Access Clarity scores 10.5 — up to +17.9 composite points
Developer Ergonomics scores 37.5 — up to +12.5 composite points
Operational Transparency scores 10.5 — up to +11.6 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/fence/apis.yml: open an issue on github.com/api-evangelist/fence 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 →

APIs 5

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

Fence Authentication API

Obtain a bearer access token for a machine-to-machine integration.

Fence Declaration monitoring API

Monitor declaration runs and per-asset results.

Fence Documents API

Fence Payments API

Validate or submit payment transactions in bulk.

Fence Portfolio declarations API

Create and process asset portfolio declarations.

Agent Skills 5

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

authentication

AGENT SKILL

declaration-monitoring

AGENT SKILL

documents

AGENT SKILL

payments

AGENT SKILL

portfolio-declarations

AGENT SKILL

Rate Limits 1

Documented rate limits and quota policies.

Fence Rate Limits

0 limits

RATE LIMITS

Semantic Vocabularies 1

JSON-LD contexts and semantic vocabularies used across these APIs.

Fence Context

29 classes · 71 properties

JSON-LD

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Fence API Rules

17 rules · 15 errors 1 warnings 1 info

SPECTRAL

OpenAPI Overlays 1

Overlays applied on top of this provider's contracts. Each card says who wrote it: a document the provider publishes, or one API Evangelist derived or generated.

Fence Openapi Overlay

1 action · update · fence-openapi.json

UNRECORDED

JSON Schema 6

Standalone JSON Schema definitions for this provider's data models.

AsyncPaymentsAccepted

6 properties

JSON SCHEMA

BulkOperationResult

8 properties

JSON SCHEMA

DealSpecificAsset

3 properties

JSON SCHEMA

DeclarationRunAsset

7 properties

JSON SCHEMA

DeclarationRun

8 properties

JSON SCHEMA

PortfolioDeclaration

6 properties

JSON SCHEMA

Security Posture 2

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

Fence Authentication

1 scheme

SECURITY

Fence Domain Security

TLSv1.3 · DMARC

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Fence Scopes

OAuth 2.0 · no documented scopes

0 scopes

SCOPES

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Fence Agentic Access

12 operations · 7 acting

AGENTIC

Resources

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgentSkill

LLMsTxt

WellKnown

Design & Contract 8

Pagination, idempotency, versioning, errors, and events

Spectral

JSONLD

Vocabulary

DataModel

Idempotency

Conventions

ErrorCatalog

Conformance

Scroll for all 8

Access & Security 3

Authentication, authorization, and security posture

Authentication

Authentication

Security

Security

DomainSecurity

DomainSecurity

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 1

Pricing, plans, and the legal terms of use

PrivacyPolicy

PrivacyPolicy

Company 2

The organization behind the API

Blog

Blog

Website

Website

Other 3

Properties that don't map to a standard resource type

Overlay

Overlay

Hosts

Hosts

Vendors

Vendors

Source (apis.yml)

aid: fence
name: Fence
description: Fence is a tech‑native facility agency for asset‑backed finance, providing real‑time control and transparency
  for lenders and originators. It builds the operating layer that connects assets such as credit cards, invoices, BNPL purchases,
  auto loans, leases, and mortgages with capital instantly, enabling faster, cheaper financing while maintaining full traceability
  and compliance.
url: https://artifacts.apis.io/fence/apis.yml
image: https://fence.finance/assets/fence_logo.png
x-type: company
x-source: harvest:vc-portfolio
x-tier: profiled
x-tier-reason: enrichment pass 2026-10-29 (modular-v1; was harvest)
specificationVersion: '0.20'
created: '2026-10-29'
modified: '2026-10-29'
tags:
- Company
- Fintech
- Asset-Backed-Finance
- Real-Time
- API
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: AgenticAccess
  url: agentic-access/fence-agentic-access.yml
- type: Spectral
  url: rules/fence-rules.yml
- type: JSONLD
  url: json-ld/fence-context.jsonld
- type: Vocabulary
  url: vocabulary/fence-vocabulary.yml
- type: AgentSkill
  url: skills/_index.yml
- type: DataModel
  url: data-model/fence-data-model.yml
- type: Idempotency
  url: conventions/fence-conventions.yml
- type: Conventions
  url: conventions/fence-conventions.yml
- type: Authentication
  url: authentication/fence-authentication.yml
- type: ErrorCatalog
  url: errors/fence-problem-types.yml
- type: Conformance
  url: conformance/fence-conformance.yml
- type: Overlay
  url: overlays/fence-openapi-overlay.yaml
- type: LLMsTxt
  url: llms/fence-llms.txt
- type: WellKnown
  url: well-known/fence-well-known.yml
- type: Hosts
  url: hosts/fence-hosts.yml
- type: Vendors
  url: vendors/fence-vendors.yml
- type: Security
  url: https://fence.finance/security
- type: Blog
  url: https://fence.finance/blog/8-abf-learnings
- type: Documentation
  url: https://docs.fence.finance/
- type: DomainSecurity
  url: security/fence-domain-security.yml
- type: Website
  url: https://fence.finance/
- type: APIReference
  url: https://fence.finance/openapi.json
- type: Support
  url: https://fence.finance/contact/
- type: PrivacyPolicy
  url: https://fence.finance/privacy/
apis:
- aid: fence:fence-authentication-api
  name: Fence Authentication API
  description: Obtain a bearer access token for a machine-to-machine integration.
  humanURL: https://fence.finance
  baseURL: https://dev-api.fence.finance
  tags:
  - Authentication
  properties:
  - type: OpenAPI
    url: openapi/fence-authentication-api-openapi.yml
  - type: JSONSchema
    url: json-schema/fence-bulk-operation-result-schema.json
  - type: JSONSchema
    url: json-schema/fence-deal-specific-asset-schema.json
  - type: JSONSchema
    url: json-schema/fence-declaration-run-schema.json
  - type: JSONSchema
    url: json-schema/fence-declaration-run-asset-schema.json
  - type: JSONSchema
    url: json-schema/fence-async-payments-accepted-schema.json
  - type: JSONSchema
    url: json-schema/fence-portfolio-declaration-schema.json
- aid: fence:fence-declaration-monitoring-api
  name: Fence Declaration monitoring API
  description: Monitor declaration runs and per-asset results.
  humanURL: https://fence.finance
  baseURL: https://dev-api.fence.finance
  tags:
  - Declaration monitoring
  properties:
  - type: OpenAPI
    url: openapi/fence-declaration-monitoring-api-openapi.yml
  - type: JSONSchema
    url: json-schema/fence-bulk-operation-result-schema.json
  - type: JSONSchema
    url: json-schema/fence-deal-specific-asset-schema.json
  - type: JSONSchema
    url: json-schema/fence-declaration-run-schema.json
  - type: JSONSchema
    url: json-schema/fence-declaration-run-asset-schema.json
  - type: JSONSchema
    url: json-schema/fence-async-payments-accepted-schema.json
  - type: JSONSchema
    url: json-schema/fence-portfolio-declaration-schema.json
- aid: fence:fence-documents-api
  name: Fence Documents API
  description: Register supporting documents and inspect upload status.
  humanURL: https://fence.finance
  baseURL: https://dev-api.fence.finance
  tags:
  - Documents
  properties:
  - type: OpenAPI
    url: openapi/fence-documents-api-openapi.yml
  - type: JSONSchema
    url: json-schema/fence-bulk-operation-result-schema.json
  - type: JSONSchema
    url: json-schema/fence-deal-specific-asset-schema.json
  - type: JSONSchema
    url: json-schema/fence-declaration-run-schema.json
  - type: JSONSchema
    url: json-schema/fence-declaration-run-asset-schema.json
  - type: JSONSchema
    url: json-schema/fence-async-payments-accepted-schema.json
  - type: JSONSchema
    url: json-schema/fence-portfolio-declaration-schema.json
- aid: fence:fence-payments-api
  name: Fence Payments API
  description: Validate or submit payment transactions in bulk.
  humanURL: https://fence.finance
  baseURL: https://dev-api.fence.finance
  tags:
  - Payments
  properties:
  - type: OpenAPI
    url: openapi/fence-payments-api-openapi.yml
  - type: JSONSchema
    url: json-schema/fence-bulk-operation-result-schema.json
  - type: JSONSchema
    url: json-schema/fence-deal-specific-asset-schema.json
  - type: JSONSchema
    url: json-schema/fence-declaration-run-schema.json
  - type: JSONSchema
    url: json-schema/fence-declaration-run-asset-schema.json
  - type: JSONSchema
    url: json-schema/fence-async-payments-accepted-schema.json
  - type: JSONSchema
    url: json-schema/fence-portfolio-declaration-schema.json
- aid: fence:fence-portfolio-declarations-api
  name: Fence Portfolio declarations API
  description: Create and process asset portfolio declarations.
  humanURL: https://fence.finance
  baseURL: https://dev-api.fence.finance
  tags:
  - Portfolio declarations
  properties:
  - type: OpenAPI
    url: openapi/fence-portfolio-declarations-api-openapi.yml
  - type: JSONSchema
    url: json-schema/fence-bulk-operation-result-schema.json
  - type: JSONSchema
    url: json-schema/fence-deal-specific-asset-schema.json
  - type: JSONSchema
    url: json-schema/fence-declaration-run-schema.json
  - type: JSONSchema
    url: json-schema/fence-declaration-run-asset-schema.json
  - type: JSONSchema
    url: json-schema/fence-async-payments-accepted-schema.json
  - type: JSONSchema
    url: json-schema/fence-portfolio-declaration-schema.json
x-backed-by:
- crane-venture-partners
x-enrichment:
  date: '2026-10-29'
  status: enriched
  artifacts_added: 36
  pass: modular-v1
  engine: identity=oss,contract=oss,surfaces=oss,docs=oss,regulatory=oss

Fence API — frequently asked questions

Does Fence have an API?

Yes. APIs.io lists 5 APIs from Fence, including Fence Authentication API, Fence Declaration monitoring API and Fence Documents API, and 2 more.

Is there an OpenAPI specification for the Fence API?

Yes. APIs.io indexes 5 OpenAPI specifications for Fence, each linked for download from this page.

How do I authenticate with the Fence API?

Fence documents its authentication (1 scheme). The details are profiled on APIs.io as Fence Authentication.

Is the Fence API ready for AI agents?

Fence has a Kin Score of 40.2 out of 100 (developing) and an Agent Readiness score of 40.0 (agent-ready), scored by API Evangelist on 2026-10-31.

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