Gain Credit

GAIN Credit is a market-leading fintech providing responsible, AI-powered credit solutions for people underserved by traditional banks and lenders. The company combines deep financial expertise with advanced, AI-enabled credit-decisioning technology to offer affordable consumer lending, with funds disbursed within roughly 90 seconds of approval. GAIN Credit operates three consumer lending brands — Lending Stream, Drafty, and Afforda — serving the underserved credit market primarily in the UK, with operations across the US and India. Backed by QED Investors, Crosslink Capital, and Mohr Davidow. This corporate profile publishes no public developer API surface; it was surfaced as a QED Investors portfolio company and enriched by the API Evangelist pipeline.

Gain Credit is profiled on the APIs.io network. Tagged areas include Company, Credit, Lending, Fintech, and Financial Services.

Gain Credit’s developer surface includes engineering blog and 7 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

4.9/100 minimal ▬ flat Agent 2/100 human only Front door AI 4/6 moderate Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

0 APIs 1 MCP Servers

Company Credit Lending Fintech Financial Services Consumer Finance Financial Inclusion

Kin Score

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

Composite quality — 4.9/100 · minimal

Contract Quality 0.0 / 21

Developer Ergonomics 0.4 / 17

Access Clarity 0.0 / 17

Operational Transparency 0.0 / 11

Contract Governance 0.0 / 10

Discoverability 5.0 / 9

Regulatory Posture 0.9 / 15

Agent readiness — 2/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 12 / 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
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
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0

12 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
Access Clarity scores 0.0 — up to +20.0 composite points
Developer Ergonomics scores 2.4 — up to +19.5 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/gain-credit/apis.yml: open an issue on github.com/api-evangelist/gain-credit 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	-	-	-

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.

Standards implemented 1

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

Model Context Protocol (MCP)

measured — observed by APIs.io (platform)

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

Gain Credit MCP Server

Remote MCP server at gaincredit.com over HTTP.

MCP SERVER

Security Posture 1

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

Gain Credit Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Resources

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Company 6

The organization behind the API

Website

About

Blog

BlogRSS

InvestorRelations

InvestorRelations

Careers

Careers

Source (apis.yml)

aid: gain-credit
name: Gain Credit
description: GAIN Credit is a market-leading fintech providing responsible, AI-powered credit solutions for people underserved
  by traditional banks and lenders. The company combines deep financial expertise with advanced, AI-enabled credit-decisioning
  technology to offer affordable consumer lending, with funds disbursed within roughly 90 seconds of approval. GAIN Credit
  operates three consumer lending brands — Lending Stream, Drafty, and Afforda — serving the underserved credit market primarily
  in the UK, with operations across the US and India. Backed by QED Investors, Crosslink Capital, and Mohr Davidow. This corporate
  profile publishes no public developer API surface; it was surfaced as a QED Investors portfolio company and enriched by
  the API Evangelist pipeline.
url: https://raw.githubusercontent.com/api-evangelist/gain-credit/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- qed-investors
- crosslink-capital
- mohr-davidow
x-tier: stub
x-tier-reason: portfolio-lead
x-no-public-api: true
deliveryModel:
  model: unknown
  open_source: false
  commercial: false
  callable_host: false
  label: Delivery model not determined — needs a product licence on record
  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:
  - security
  generated: '2026-11-06'
  method: derived
image: https://gaincredit.com/wp-content/uploads/2025/09/GC-Black-logo-1.png
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-19'
tags:
- Company
- Credit
- Lending
- Fintech
- Financial Services
- Consumer Finance
- Financial Inclusion
tags_raw:
- Company
- Credit
- Lending
- Fintech
- Financial Services
- Consumer Finance
- Financial Inclusion
- Financial-Services
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://gaincredit.com/
- type: About
  url: https://gaincredit.com/about/
- type: Blog
  url: https://gaincredit.com/news-events/
- type: BlogRSS
  url: https://gaincredit.com/feed/
- type: InvestorRelations
  url: https://gaincredit.com/investor-relations/
- type: Careers
  url: https://gaincredit.com/join-us/
- type: DomainSecurity
  url: security/gain-credit-domain-security.yml
- type: LLMsTxt
  url: llms/gain-credit-llms.txt
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence

Gain Credit API — frequently asked questions

Does Gain Credit have an MCP server?

Yes. APIs.io lists 1 MCP server for Gain Credit: Remote MCP server at gaincredit.com over HTTP.

Is the Gain Credit API ready for AI agents?

Gain Credit has a Kin Score of 4.9 out of 100 (minimal) and an Agent Readiness score of 2.2 (human-only), scored by API Evangelist on 2026-11-06.

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