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 is listed with 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 📡 Profile data on GitHub

26.5/100 thin ▬ flat Agent 22/100 agent aware Front door AI 3/6 light saas Full breakdown ↓
scored 2026-10-31 · rubric v0.25.0 · Show this score on your site →

AccessSelf serve

1 API

Company Fintech Lending Personal Loans Consumer Finance India Credit MCP Agents

Kin Score

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

Composite quality — 26.5/100 · thin

Contract Quality 0.0 / 21

Developer Ergonomics 4.9 / 17

Access Clarity 7.2 / 17

Operational Transparency 0.0 / 11

Contract Governance 1.9 / 10

Discoverability 5.6 / 9

Regulatory Posture 5.9 / 15

Agent readiness — 22/100 · agent aware

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

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 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 6 / 6

Protected Resource Metadata 5 / 5

Registration Without a Human 6 / 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):

Machine-Readable Contract +18 pts — api_specs includes an OpenAPI document
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
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)
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes
Rate-Limit Signaling +7 pts — OpenAPI responses document X-RateLimit-* / RateLimit headers (verified), else a rate_limits artifact or RateLimits link (documented)

8 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 28.6 — up to +14.3 composite points
Operational Transparency scores 0.0 — up to +13.0 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/fibe/apis.yml: open an issue on github.com/api-evangelist/fibe 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
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.

APIs 1

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

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...

Security Posture 2

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

Fibe Authentication

oauth2 · 1 scheme

SECURITY

Fibe Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Fibe Scopes

2 scopes · authorizationCode

2 scopes

SCOPES

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

X-MCPServerCandidate

X-MCPServerCandidate

WellKnown

WellKnown

LLMsTxt

LLMsTxt

Design & Contract 1

Pagination, idempotency, versioning, errors, and events

Conformance

Conformance

Access & Security 4

Authentication, authorization, and security posture

Authentication

OAuthScopes

Compliance

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)

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
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  generated: '2026-07-22'
  method: derived
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: '0.23'
created: '2026-07-17'
modified: '2026-07-19'
tags:
- Company
- Fintech
- Lending
- Personal Loans
- Consumer Finance
- India
- Credit
- MCP
- Agents
tags_raw:
- 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: X-MCPServerCandidate
    url: mcp/fibe-mcp.yml
    note: 'Renamed from MCPServer 2026-09-03 (roadmap#247): the manifest self-describes as status: candidate — a tool list
      derived from the published API contracts, not an existing server. The scorer already read the manifest and reported
      mcp_server correctly; the MCPServer type was crediting the artifact-type surfaces with a server that does not exist.'
  - 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: X-MCPServerCandidate
  url: mcp/fibe-mcp.yml
  note: 'Renamed from MCPServer 2026-09-03 (roadmap#247): the manifest self-describes as status: candidate — a tool list derived
    from the published API contracts, not an existing server. The scorer already read the manifest and reported mcp_server
    correctly; the MCPServer type was crediting the artifact-type surfaces with a server that does not exist.'
- 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

Fibe API — frequently asked questions

Does Fibe have an API?

Yes. APIs.io lists 1 API from Fibe, including Fibe MCP Server.

How do I authenticate with the Fibe API?

Fibe documents its authentication (oauth2 · 1 scheme). The details are profiled on APIs.io as Fibe Authentication.

Is the Fibe API ready for AI agents?

Fibe has a Kin Score of 26.5 out of 100 (thin) and an Agent Readiness score of 22.2 (agent-aware), scored by API Evangelist on 2026-10-31.

Work with this as data

Every provider here is available over the APIs.io API and to AI agents over MCP.

MCP server

One button, every client — Claude, Cursor, VS Code and the rest.

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