Cino

Cino (getcino.com) is a European consumer fintech that offers the first shared virtual card that splits and pays a group bill at the same time. Members connect their existing debit or credit cards, create a group with configurable split ratios, and each person is charged only their proportional share at the moment of payment with no pre-funding required. The shared card works online and in person for one-off or recurring expenses, integrates with Apple Pay and Google Pay, supports per-transaction and monthly spending limits, and positions itself as a replacement for bill-splitting tools like Splitwise, Tricount, PayPal, and Tikkie. Cino is available across 29 European countries and is a portfolio company of Balderton Capital. This is a consumer mobile app with no public developer API, SDK, or documentation surface at the time of enrichment.

Cino is profiled on the APIs.io network. Tagged areas include Company, Fintech, Payments, Bill Splitting, and Virtual Cards.

Cino’s developer surface includes engineering blog, support, signup flow, and 4 more developer resources.

🌐 Visit website 📡 Source on GitHub

11.7/100 emerging ▬ flat Agent 0/100 human only Full breakdown ↓
scored 2026-08-25 · rubric v0.14.0

0 APIs

Company Fintech PaymentsBill SplittingVirtual Cards Personal Finance Consumer Finance Europe

Kin Score

Kin Score How this is scored →
scored 2026-08-25 · rubric v0.14.0

Composite quality — 11.7/100 · emerging

Contract Quality 0.0 / 21

Developer Ergonomics 1.2 / 17

Access Clarity 5.8 / 17

Operational Transparency 0.0 / 11

Contract Governance 0.0 / 10

Discoverability 4.3 / 9

Regulatory Posture 3.3 / 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 Surface 0 / 5

Regulatory Posture applies to this provider. Its tags matched the Payments 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.

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/.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/getcino: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

Get Started 1

Portal, sign-up, and the first successful call

SignUp

SignUp

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 2

Pricing, plans, and the legal terms of use

PrivacyPolicy

PrivacyPolicy

TermsOfService

TermsOfService

Company 2

The organization behind the API

Website

Website

Blog

Blog

Source (apis.yml)

aid: getcino
name: Cino
description: Cino (getcino.com) is a European consumer fintech that offers the first shared virtual card that splits and pays
  a group bill at the same time. Members connect their existing debit or credit cards, create a group with configurable split
  ratios, and each person is charged only their proportional share at the moment of payment with no pre-funding required.
  The shared card works online and in person for one-off or recurring expenses, integrates with Apple Pay and Google Pay,
  supports per-transaction and monthly spending limits, and positions itself as a replacement for bill-splitting tools like
  Splitwise, Tricount, PayPal, and Tikkie. Cino is available across 29 European countries and is a portfolio company of Balderton
  Capital. This is a consumer mobile app with no public developer API, SDK, or documentation surface at the time of enrichment.
url: https://raw.githubusercontent.com/api-evangelist/getcino/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- balderton-capital
x-tier: stub
x-tier-reason: portfolio-lead
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source: []
  generated: '2026-07-22'
  method: derived
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-19'
image: https://cdn.prod.website-files.com/617af73c3023c65339a92fa0/672230b74a76482f597aeb10_OGP.jpg
tags:
- Company
- Fintech
- Payments
- Bill Splitting
- Virtual Cards
- Personal Finance
- Consumer Finance
- Europe
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: DomainSecurity
  url: security/getcino-domain-security.yml
- type: Website
  url: https://www.getcino.com/
- type: Blog
  url: https://www.getcino.com/blog
- type: Support
  url: https://support.getcino.com
- type: PrivacyPolicy
  url: https://www.getcino.com/privacy-policy
- type: TermsOfService
  url: https://www.getcino.com/terms-and-conditions
- type: SignUp
  url: https://app-getcino-com.smart.link/lnqpxurgo
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence

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