# Fincra

**Canonical:** https://apis.io/providers/fincra/  
**Website:** https://www.fincra.com  
**APIs profiled:** 8

Fincra is an African cross-border payments infrastructure provider whose REST API lets businesses collect, hold, convert, and disburse money across multiple currencies. The platform covers collections (virtual accounts and direct charges), payouts/disbursements to banks and mobile money, FX conversions with quotes, beneficiary management, and webhooks, secured with an api-key plus Bearer token.

## Kin Score — 33.7 / 100 (thin)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 33.7).

| Facet | Score |
|---|---|
| Discoverability | 74.1 |
| Contract Quality | 54.9 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 31.6 |
| Developer Ergonomics | 23.8 |
| Commercial Clarity | 28.9 |
| Access Clarity | 28.9 |

Regulatory layer — **Payments**: 18.8 (matched via tags).

## Agent readiness — 29.1 (agent-aware)

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

## Access

Paid · Self-serve signup — onboarding: self-serve, pricing: paid, trial: no (confidence: high).

## APIs (8)

- **Fincra Account Resolution API** — The Account Resolution API from Fincra — 1 operation(s) for account resolution.
- **Fincra Banks API** — The Banks API from Fincra — 1 operation(s) for banks.
- **Fincra Beneficiaries API** — The Beneficiaries API from Fincra — 2 operation(s) for beneficiaries.
- **Fincra Collections API** — The Collections API from Fincra — 4 operation(s) for collections.
- **Fincra Conversions API** — The Conversions API from Fincra — 3 operation(s) for conversions.
- **Fincra Payouts API** — The Payouts API from Fincra — 3 operation(s) for payouts.
- **Fincra Quotes API** — The Quotes API from Fincra — 1 operation(s) for quotes.
- **Fincra Virtual Accounts API** — The Virtual Accounts API from Fincra — 4 operation(s) for virtual accounts.

## Agentic access (1)

- **Fincra Agentic Access** — 23 operations · 10 acting

## Security (2)

- **Fincra Authentication** — apiKey/http · 2 schemes
- **Fincra Domain Security** — TLSv1.3 · HSTS · DMARC

## Plans (1)

- **Fincra Plans Pricing**

## Tags

Payments, Cross-Border, Collection, Payouts, FX, Fintech, Africa

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