# Finmid

**Canonical:** https://apis.io/providers/finmid/  
**Website:** https://www.finmid.com  
**APIs profiled:** 2

finmid is a Berlin-based embedded lending and B2B payments infrastructure provider that lets software platforms and marketplaces offer financing — cash advances, term loans, and business loans — to their customers across 30+ European markets without becoming a lender or handling the regulatory complexity themselves. finmid exposes two REST APIs: the B2B Payments API (buyer/seller onboarding, payment requests, payouts, and repayment) and the Capital API (pre-approved offer generation, an embeddable acceptance widget, business onboarding/KYB, fundings, and payments). Both APIs are JSON over HTTPS, authenticated with an environment-scoped X-API-Key header, with a separate sandbox environment, HMAC-signed webhooks for asynchronous events, and HTTP Message Signatures (RFC 9421, Ed25519) for platform-provided capital payout execution.

## Kin Score — 37.3 / 100 (thin)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 37.3).

| Facet | Score |
|---|---|
| Discoverability | 75.9 |
| Contract Quality | 45.1 |
| Governance | 4.5 |
| Contract Governance | 4.5 |
| Operational Transparency | 22.4 |
| Developer Ergonomics | 48.8 |
| Commercial Clarity | 21.1 |
| Access Clarity | 21.1 |

Regulatory layer — **Payments**: 39.1 (matched via tags).

## Agent readiness — 32.5 (agent-aware)

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

## Access

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

## APIs (2)

- **finmid B2B Payments API** — Embed B2B payment and financing into a platform: onboard buyers and sellers, create payment requests financed by a finmid loan, create payouts, upload documents, and track repay...
- **finmid Capital API** — Offer pre-approved, customizable financing to businesses on a platform: real-time offer generation, an embeddable acceptance widget (iframe), business onboarding and KYB, fundin...

## MCP servers (1)

- **Finmid MCP Server**

## Security (2)

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

## Tags

Company, Embedded Finance, Embedded Lending, B2B Payments, Fintech, Lending, Capital, Financing, Payments, Marketplaces

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