Fibe

Fibe (formerly EarlySalary) is a digital consumer lending platform in India, founded in 2015 and headquartered in Pune. It offers instant personal loans up to Rs 10 lakh, loans against mutual funds, fixed deposits, a co-branded Fibe Axis Bank credit card, insurance, and purpose-driven (BNPL) financing across education, healthcare, travel, e-commerce, and solar. As of March 2026 Fibe reports over Rs 48,000 crore disbursed across 9.8 million loans to 3.3 million customers and 46 million app downloads. Fibe is ISO/IEC 27001, SOC 2, and PCI DSS certified. Notably, Fibe operates a live, OAuth-protected Model Context Protocol (MCP) server that lets AI agents read loan/eligibility information and initiate loan applications (scopes loan.read and loan.apply). Fibe publishes no public REST/OpenAPI developer surface; its machine-facing surface is the MCP server, secured with OAuth 2.0 authorization-code + PKCE and dynamic client registration.

Fibe publishes 1 API on the APIs.io network. Tagged areas include Company, Fintech, Lending, Personal Loans, and Consumer Finance.

Fibe’s developer surface includes authentication, engineering blog, support, signup flow, and 11 more developer resources.

🌐 Visit website 📡 Source on GitHub
24.6/100 emerging Agent 25/100 agent aware Full breakdown ↓
scored 2026-07-20 · rubric v0.4
1 APIs 1 MCP Servers 0 Features
CompanyFintechLendingPersonal LoansConsumer FinanceIndiaCreditMCPAgent

API Rating

API Evangelist API Evangelist Rating How this is scored →
scored 2026-07-20 · rubric v0.4
Composite quality — 24.6/100 · emerging
Contract Quality 0.0 / 25
Developer Ergonomics 7.0 / 20
Commercial Clarity 8.4 / 20
Operational Transparency 0.0 / 13
Governance 0.0 / 12
Discoverability 9.3 / 10
Agent readiness — 25/100 · agent aware
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 12 / 12
Machine-Readable Auth 10 / 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 4 / 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/fibe: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs

Fibe MCP Server

OAuth-protected Model Context Protocol (JSON-RPC 2.0) server exposing Fibe's consumer lending platform to AI agents. Advertised scopes: loan.read (read loan/eligibility informat...

MCP Servers

fibe-mcp.yml

MCP SERVER

Resources

Get Started 2

Portal, sign-up, and the first successful call

DeveloperPortal
DeveloperPortal
 SignUp
SignUp

Agent Surfaces 3

MCP servers, agent skills, and machine-readable catalogs

MCPServer
MCPServer
 WellKnown
WellKnown
 LLMsTxt
LLMsTxt

Design & Contract 1

Pagination, idempotency, versioning, errors, and events

Conformance
Conformance

Access & Security 4

Authentication, authorization, and security posture

Authentication
Authentication
 OAuthScopes
OAuthScopes
 Compliance
Compliance
 DomainSecurity
DomainSecurity

Operate 1

Status, limits, changes, and where to get help

Support
Support

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService
TermsOfService
 PrivacyPolicy
PrivacyPolicy

Company 2

The organization behind the API

Blog
Blog
 Website
Website

Source (apis.yml)

apis.yml Raw ↑ 
aid: fibe
name: Fibe
description: Fibe (formerly EarlySalary) is a digital consumer lending platform in India, founded in 2015 and headquartered
  in Pune. It offers instant personal loans up to Rs 10 lakh, loans against mutual funds, fixed deposits, a co-branded Fibe
  Axis Bank credit card, insurance, and purpose-driven (BNPL) financing across education, healthcare, travel, e-commerce,
  and solar. As of March 2026 Fibe reports over Rs 48,000 crore disbursed across 9.8 million loans to 3.3 million customers
  and 46 million app downloads. Fibe is ISO/IEC 27001, SOC 2, and PCI DSS certified. Notably, Fibe operates a live, OAuth-protected
  Model Context Protocol (MCP) server that lets AI agents read loan/eligibility information and initiate loan applications
  (scopes loan.read and loan.apply). Fibe publishes no public REST/OpenAPI developer surface; its machine-facing surface is
  the MCP server, secured with OAuth 2.0 authorization-code + PKCE and dynamic client registration.
url: https://raw.githubusercontent.com/api-evangelist/fibe/refs/heads/main/apis.yml
image: https://www.fibe.in/Fibe-og-img.png
x-type: company
x-source: vc-portfolio
x-backed-by:
- norwest-venture-partners
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-19'
tags:
- Company
- Fintech
- Lending
- Personal Loans
- Consumer Finance
- India
- Credit
- MCP
- Agent
apis:
- name: Fibe MCP Server
  description: 'OAuth-protected Model Context Protocol (JSON-RPC 2.0) server exposing Fibe''s consumer lending platform to
    AI agents. Advertised scopes: loan.read (read loan/eligibility information) and loan.apply (submit a loan application).
    Auth is OAuth 2.0 authorization-code + PKCE (S256) with dynamic client registration.'
  humanURL: https://www.fibe.in/mcp/
  baseURL: https://www.fibe.in/api/mcp
  properties:
  - type: MCPServer
    url: mcp/fibe-mcp.yml
  - type: Authentication
    url: authentication/fibe-authentication.yml
  - type: OAuthScopes
    url: scopes/fibe-scopes.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: MCPServer
  url: mcp/fibe-mcp.yml
- type: Authentication
  url: authentication/fibe-authentication.yml
- type: OAuthScopes
  url: scopes/fibe-scopes.yml
- type: WellKnown
  url: well-known/fibe-well-known.yml
- type: Conformance
  url: conformance/fibe-conformance.yml
- type: Compliance
  url: https://www.fibe.in/about-us/
- type: LLMsTxt
  url: llms/fibe-llms.txt
- type: DomainSecurity
  url: security/fibe-domain-security.yml
- type: DeveloperPortal
  url: https://www.fibe.in/mcp/
- type: Blog
  url: https://www.fibe.in/blogs/
- type: Support
  url: https://www.fibe.in/contact-us/
- type: SignUp
  url: https://portal.fibe.in/SignUp
- type: TermsOfService
  url: https://www.fibe.in/terms-conditions/
- type: PrivacyPolicy
  url: https://www.fibe.in/privacy-policy/
- type: Website
  url: https://fibe.in
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence