Finiata

Finiata was a Berlin-founded fintech providing working-capital and invoice financing to small businesses, freelancers and micro-enterprises, operating principally in Germany and Poland and backed by investors including Point Nine. It was surfaced as a portfolio company of point-nine and added to the API Evangelist network as a lead for enrichment. As of the 2026-07-20 enrichment pass Finiata has no live public surface: finiata.com is registered but fully undelegated (no NS, SOA, A, MX or TXT records) and does not resolve; the former developer portal developer.finiata.com, archived as live in 2019, no longer resolves; and finiata.de has been taken over by unrelated third-party gambling-affiliate content. The only live first-party assets found are the company's GitHub organization (github.com/debitech) and one unmaintained internal npm tooling package. No API, OpenAPI or other machine-readable specification, documentation, or well-known surface exists to catalog.

Finiata is profiled on the APIs.io network. Tagged areas include Company, Financial Services, Fintech, Lending, and Invoice Financing.

🌐 Visit website 📡 Profile data on GitHub

3.2/100 minimal ▬ flat Agent 0/100 human only Heartbeat 0/100 dormant library Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

0 APIs

Company Financial Services Fintech Lending Invoice Financing Working Capital Small Business Germany

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 3.2/100 · minimal

Contract Quality 0.0 / 21

Developer Ergonomics 0.0 / 17

Access Clarity 0.0 / 17

Operational Transparency 0.6 / 11

Contract Governance 0.0 / 10

Discoverability 4.1 / 9

Regulatory Posture 0.0 / 15

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 0 / 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 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

MCP Tool Quality 6 / 6

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
MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
Machine-Readable Auth +10 pts — a served openid-configuration/oauth-authorization-server carrying `issuer` (served), else the securitySchemes class in the provider OpenAPIs — bound (mutualTLS, DPoP, Signature) > negotiable (oauth2 authorizationCode/clientCredentials, openIdConnect) > bearer (http bearer, apiKey)
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)
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes

13 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 0.0 — up to +20.0 composite points
Access Clarity scores 0.0 — up to +20.0 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/finiata/apis.yml: open an issue on github.com/api-evangelist/finiata 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)	distribution	9.6 (thin)	-	-
DACH and Netherlands Financial Supervisor Registers (BaFin, FINMA, DNB)	distribution	9.6 (thin)	-	-

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.

Resources

Build 2

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Packages

Packages

Company 1

The organization behind the API

Website

Website

Source (apis.yml)

aid: finiata
deliveryModel:
  model: library
  open_source: false
  commercial: false
  callable_host: false
  label: Library · distributed through package registries, no callable service
  confidence: low
  source:
  - none
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source: []
  generated: '2026-11-06'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/finiata.png
name: Finiata
description: 'Finiata was a Berlin-founded fintech providing working-capital and invoice financing to small businesses, freelancers
  and micro-enterprises, operating principally in Germany and Poland and backed by investors including Point Nine. It was
  surfaced as a portfolio company of point-nine and added to the API Evangelist network as a lead for enrichment. As of the
  2026-07-20 enrichment pass Finiata has no live public surface: finiata.com is registered but fully undelegated (no NS, SOA,
  A, MX or TXT records) and does not resolve; the former developer portal developer.finiata.com, archived as live in 2019,
  no longer resolves; and finiata.de has been taken over by unrelated third-party gambling-affiliate content. The only live
  first-party assets found are the company''s GitHub organization (github.com/debitech) and one unmaintained internal npm
  tooling package. No API, OpenAPI or other machine-readable specification, documentation, or well-known surface exists to
  catalog.'
url: https://raw.githubusercontent.com/api-evangelist/finiata/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- point-nine
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-20'
x-enrichment-status: no-live-surface
x-enrichment-checked: '2026-07-20'
x-enrichment-note: 'Re-probed 2026-07-20 and the 2026-07-19 finding is confirmed and extended. finiata.com: no NS/SOA/A/MX/TXT
  records, HTTPS request returns no response (curl 000); every subdomain is therefore dead, including the developer.finiata.com
  portal that the Wayback Machine shows returning 200 in 2019. finiata.pl: no NS/SOA/A records. finiata.de: resolves via Cloudflare
  and returns 200 but now serves unrelated third-party gambling-affiliate content ("Chicken Road 2"), i.e. the domain has
  left Finiata''s control. probe-domain-security.py reported "unreachable" (no TLS/HSTS/DNSSEC/CAA/ SPF/DMARC data obtainable);
  probe-security-programs.py reported vdp=none trust=none. New this pass: github.com/debitech was verified live (HTTP 200)
  as Finiata''s GitHub organization, holding 11 mostly-forked public repos (coding challenges, a Creditsafe SOAP client fork,
  a landing page) with no first-party API spec or client SDK; and npm carries one first-party package, cz-finiata, a 2017
  Commitizen release-tooling adapter published from martin@finiata.com, captured in packages/. No OpenAPI, AsyncAPI, GraphQL,
  webhook, well-known, security.txt, MCP, llms.txt, sandbox, changelog, CLI or status-page surface exists, so no further artifact
  could be searched, derived or probed without fabrication. Re-check on a future run.'
tags:
- Company
- Financial Services
- Fintech
- Lending
- Invoice Financing
- Working Capital
- Small Business
- Germany
tags_raw:
- Company
- Financial Services
- Fintech
- Lending
- Invoice Financing
- Working Capital
- Small Business
- Germany
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://www.finiata.com
  x-status: unresolvable (domain undelegated, verified 2026-07-20)
- type: GitHubOrganization
  name: Finiata on GitHub
  url: https://github.com/debitech
- type: Packages
  name: Finiata packages
  url: packages/finiata-packages.yml
x-enrichment:
  date: '2026-07-20'
  status: minimal
  artifacts_added: 1
  pass: local-v1
x-lifecycle:
  state: shuttered
  reason: domain-does-not-resolve
  observed: '2026-09-27'
  detail: The company's own domain returned no A or AAAA record when probed. This is an observation about the domain, not
    a request from the company.
  indexed: false

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