# Fibe

**Canonical:** https://apis.io/providers/fibe/  
**Website:** https://fibe.in  
**APIs profiled:** 1

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.

## Kin Score — 22.0 / 100 (emerging)

Scored 2026-08-30 under rubric 0.17.2. Trend: flat (+0.0 from 22.0).

| Facet | Score |
|---|---|
| Discoverability | 75.9 |
| Contract Quality | 0.0 |
| Governance | 18.2 |
| Contract Governance | 18.2 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 19.0 |
| Commercial Clarity | 42.1 |
| Access Clarity | 42.1 |

## Agent readiness — 27.3 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | verified |
| Auth Clarity | served |
| 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 |
| Delegated Identity | served |
| Protected Resource Metadata | verified |
| Dynamic Client Registration | yes |
| Agentic Commerce | no |

## Access

Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: medium).

## APIs (1)

- **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 (1)

- **Fibe MCP Server**

## Security (2)

- **Fibe Authentication** — oauth2 · 1 scheme
- **Fibe Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Company, Fintech, Lending, Personal Loans, Consumer Finance, India, Credit, MCP, Agents

---

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