# Cino

**Canonical:** https://apis.io/providers/getcino/  
**Website:** https://www.getcino.com/  
**APIs profiled:** 0

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.

## Kin Score — 11.7 / 100 (emerging)

Scored 2026-08-25 under rubric 0.14.0. Trend: flat (+0.0 from 11.7).

| Facet | Score |
|---|---|
| Discoverability | 50.0 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 7.1 |
| Commercial Clarity | 34.2 |
| Access Clarity | 34.2 |

Regulatory layer — **Payments**: 21.9 (matched via tags).

## Agent readiness — 0.0 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |
| Delegated Identity | no |
| Protected Resource Metadata | no |
| Dynamic Client Registration | no |
| Agentic Commerce | no |

## Access

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## Security (1)

- **Getcino Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC

## Tags

Company, Fintech, Payments, Bill Splitting, Virtual Cards, Personal Finance, Consumer Finance, Europe

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