Hokodo

Hokodo is a London-based B2B payments and embedded trade-credit fintech that lets merchants and B2B marketplaces offer digital trade accounts and Buy Now, Pay Later at checkout. Buyers get instant credit decisions and flexible terms (30/60/90-day payment terms, instalments, and consolidated trade accounts) while Hokodo underwrites the credit risk, finances the invoice, and protects the merchant against non-payment. The platform is delivered through a versioned REST API (https://api.hokodo.co/v1/) covering companies, customers, credit offers, orders and payment plans, plus prebuilt Magento modules and a JavaScript SDK. Hokodo is backed by Anthemis and other investors and operates across the UK and Europe.

Hokodo is listed with 1 API on the APIs.io network. Tagged areas include Company, Fintech, B2B Payments, Buy Now Pay Later, and Trade Credit.

Hokodo’s developer surface includes engineering blog, documentation, API reference, signup flow, sandbox, support, authentication, and 14 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

22.6/100 emerging ▬ flat Agent 5/100 agent aware saas Full breakdown ↓
scored 2026-11-02 · rubric v0.26.0 · Show this score on your site →

1 API

Company Fintech B2B Payments Buy Now Pay Later Trade Credit Embedded Finance Invoice Financing Payments API

Kin Score

Kin Score How this is scored →
scored 2026-11-02 · rubric v0.26.0

Composite quality — 22.6/100 · emerging

Contract Quality 0.0 / 21

Developer Ergonomics 7.1 / 17

Access Clarity 5.8 / 17

Operational Transparency 0.3 / 11

Contract Governance 0.0 / 10

Discoverability 6.2 / 9

Regulatory Posture 2.7 / 15

Agent readiness — 5/100 · agent aware

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 8 / 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 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.

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
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)
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Rate-Limit Signaling +7 pts — OpenAPI responses document X-RateLimit-* / RateLimit headers (verified), else a rate_limits artifact or RateLimits link (documented)

11 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 34.2 — up to +13.2 composite points
Operational Transparency scores 2.6 — up to +12.7 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/hokodo/apis.yml: open an issue on github.com/api-evangelist/hokodo 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)	-	-

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.

APIs 1

Individual APIs this provider publishes, each with its own machine-readable definition.

Hokodo BNPL API

Hokodo's B2B Buy Now, Pay Later REST API. Create companies and customers, request credit offers, place orders, and manage deferred payment plans and trade accounts. Versioned at...

Security Posture 2

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

Hokodo Authentication

apiKey · 1 scheme

SECURITY

Hokodo Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Resources

Get Started 4

Portal, sign-up, and the first successful call

DeveloperPortal

SignUp

Sandbox

Sandbox

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

Design & Contract 2

Pagination, idempotency, versioning, errors, and events

Conventions

Conventions

ErrorCatalog

ErrorCatalog

Build 3

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Packages

Packages

SDKs

SDKs

Access & Security 2

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Authentication

Authentication

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 4

The organization behind the API

Blog

BlogRSS

Blog

Website

Source (apis.yml)

aid: hokodo
name: Hokodo
description: Hokodo is a London-based B2B payments and embedded trade-credit fintech that lets merchants and B2B marketplaces
  offer digital trade accounts and Buy Now, Pay Later at checkout. Buyers get instant credit decisions and flexible terms
  (30/60/90-day payment terms, instalments, and consolidated trade accounts) while Hokodo underwrites the credit risk, finances
  the invoice, and protects the merchant against non-payment. The platform is delivered through a versioned REST API (https://api.hokodo.co/v1/)
  covering companies, customers, credit offers, orders and payment plans, plus prebuilt Magento modules and a JavaScript SDK.
  Hokodo is backed by Anthemis and other investors and operates across the UK and Europe.
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - authentication
  - security
  - sandbox
  generated: '2026-11-02'
  method: derived
image: https://cdn.prod.website-files.com/5c80a8f7065a7b1940eb8538/684bf894db503831d2c72284_Home.png
url: https://raw.githubusercontent.com/api-evangelist/hokodo/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- anthemis
x-tier: enriched
x-tier-reason: portfolio-lead
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-10-06'
tags:
- Company
- Fintech
- B2B Payments
- Buy Now Pay Later
- Trade Credit
- Embedded Finance
- Invoice Financing
- Payments API
apis:
- name: Hokodo BNPL API
  description: Hokodo's B2B Buy Now, Pay Later REST API. Create companies and customers, request credit offers, place orders,
    and manage deferred payment plans and trade accounts. Versioned at /v1/; authenticated with a secret API key via the Authorization
    Token scheme.
  humanURL: https://docs.hokodo.co/
  baseURL: https://api.hokodo.co/v1/
  tags:
  - Buy Now Pay Later
  - Payments
  - Trade Credit
  tags_raw:
  - BNPL
  - Payments
  - Trade Credit
  properties:
  - type: Authentication
    url: authentication/hokodo-authentication.yml
  - type: Conventions
    url: conventions/hokodo-conventions.yml
  - type: ErrorCatalog
    url: errors/hokodo-problem-types.yml
  - type: Sandbox
    url: sandbox/hokodo-sandbox.yml
common:
- url: https://www.hokodo.co/resources
  type: Blog
- url: https://www.hokodo.co/resources/rss.xml
  type: BlogRSS
- type: DomainSecurity
  url: security/hokodo-domain-security.yml
- type: DeveloperPortal
  url: https://docs.hokodo.co/
- type: Documentation
  url: https://docs.hokodo.co/
- type: APIReference
  url: https://docs.hokodo.co/
- type: SignUp
  url: https://sandbox.hokodo.co/
- type: Sandbox
  url: https://sandbox.hokodo.co/
- type: Support
  url: https://hokodo.freshdesk.com/en/support/home
- type: Blog
  url: https://hokodo.co/resources
- type: GitHubOrganization
  url: https://github.com/hokodo-tech
- type: TermsOfService
  url: https://static.hokodo.co/shared/hokodotermsandconditions.pdf
- type: PrivacyPolicy
  url: https://static.hokodo.co/shared/hokodoprivacypolicy.pdf
- type: Website
  url: https://www.hokodo.co/
- type: Packages
  url: packages/hokodo-packages.yml
- type: SDKs
  url: packages/hokodo-packages.yml
- type: Authentication
  url: authentication/hokodo-authentication.yml
- type: Conventions
  url: conventions/hokodo-conventions.yml
- type: ErrorCatalog
  url: errors/hokodo-problem-types.yml
- type: Sandbox
  url: sandbox/hokodo-sandbox.yml
- type: LLMsTxt
  url: llms/hokodo-llms.txt
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence

Hokodo API — frequently asked questions

Does Hokodo have an API?

Yes. APIs.io lists 1 API from Hokodo, including Hokodo BNPL API.

How do I authenticate with the Hokodo API?

Hokodo uses bearer-token authentication (apiKey · 1 scheme). The details are profiled on APIs.io as Hokodo Authentication.

Is the Hokodo API ready for AI agents?

Hokodo has a Kin Score of 22.6 out of 100 (emerging) and an Agent Readiness score of 5.4 (agent-aware), scored by API Evangelist on 2026-11-02.

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