Microbilt

Microbilt provides businesses with powerful alternative credit data and risk management solutions, offering APIs for identity verification, employment credit reports, skip tracing, and more. Their platform helps companies assess risk, reduce defaults, and increase profitability through reliable, frequently refreshed data delivered via robust APIs.

Microbilt is listed with 1 API on the APIs.io network. Tagged areas include Company, Data, Credit, RiskManagement, and APIs.

Microbilt’s developer surface includes documentation, API reference, getting-started guide, signup flow, and 9 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

19.8/100 emerging Agent 3/100 human only Full breakdown ↓
scored 2026-10-31 · rubric v0.25.0 · Show this score on your site →

1 API

Company Data CreditRiskManagementAPIs

Kin Score

Kin Score How this is scored →
scored 2026-10-31 · rubric v0.25.0

Composite quality — 19.8/100 · emerging

Contract Quality 0.0 / 21

Developer Ergonomics 6.5 / 17

Access Clarity 5.8 / 17

Operational Transparency 0.0 / 11

Contract Governance 0.0 / 10

Discoverability 4.7 / 9

Regulatory Posture 2.1 / 15

Agent readiness — 3/100 · 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

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)
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes

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 34.2 — up to +13.2 composite points
Operational Transparency scores 0.0 — up to +13.0 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/ibvnow/apis.yml: open an issue on github.com/api-evangelist/ibvnow 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 →

APIs 1

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

Microbilt API

Data APIs for loan origination, identity confirmation, background screening, and fraud detection.

Security Posture 1

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

Ibvnow Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Resources

Get Started 4

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

GettingStarted

GettingStarted

Login

SignUp

SignUp

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 2

The organization behind the API

Newsroom

Newsroom

Website

Website

Other 2

Properties that don't map to a standard resource type

Hosts

Hosts

Vendors

Vendors

Source (apis.yml)

aid: ibvnow
name: Microbilt
description: Microbilt provides businesses with powerful alternative credit data and risk management solutions, offering APIs
  for identity verification, employment credit reports, skip tracing, and more. Their platform helps companies assess risk,
  reduce defaults, and increase profitability through reliable, frequently refreshed data delivered via robust APIs.
url: https://raw.githubusercontent.com/api-evangelist/ibvnow/refs/heads/main/apis.yml
x-type: company
x-source: harvest:g2-catalog
x-tier: profiled
x-tier-reason: enrichment pass 2026-10-20 (modular-v1; was harvest)
specificationVersion: '0.20'
created: '2026-10-20'
modified: '2026-10-20'
tags:
- Company
- Data
- Credit
- RiskManagement
- APIs
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: TermsOfService
  url: https://developer.microbilt.com/legal-notice
- type: Hosts
  url: hosts/ibvnow-hosts.yml
- type: Vendors
  url: vendors/ibvnow-vendors.yml
- type: Newsroom
  url: https://www.microbilt.com/news
- type: DomainSecurity
  url: security/ibvnow-domain-security.yml
- type: Website
  url: https://www.microbilt.com/
- type: DeveloperPortal
  url: https://developer.microbilt.com/
- type: Documentation
  url: https://developer.microbilt.com/
- type: APIReference
  url: https://developer.microbilt.com/apis
- type: GettingStarted
  url: https://developer.microbilt.com/getting-started
- type: Login
  url: https://developer.microbilt.com/user/login
- type: SignUp
  url: https://developer.microbilt.com/user/register
- type: PrivacyPolicy
  url: https://www.microbilt.com/privacy-policy
apis:
- name: Microbilt API
  description: Data APIs for loan origination, identity confirmation, background screening, and fraud detection.
  humanURL: https://developer.microbilt.com
  baseURL: null
  properties: []
  aid: ibvnow:microbilt-api
x-coverage:
  state: unreadable
  reason: no-machine-readable-spec
  method: derived
  generated: '2026-10-20'
  generator: derive-coverage.py (pre-flight evidence)
  detail: the company publishes developer documentation but serves no machine-readable contract from it
  evidence:
  - url: https://landing.microbilt.com/mcp
    status: 403
  - url: https://www.microbilt.com/
    status: 200
x-enrichment:
  date: '2026-10-20'
  status: enriched
  artifacts_added: 9
  pass: modular-v1
  engine: identity=local,contract=local,surfaces=local,docs=local,regulatory=local

Microbilt API — frequently asked questions

Does Microbilt have an API?

Yes. APIs.io lists 1 API from Microbilt, including Microbilt API.

Is the Microbilt API ready for AI agents?

Microbilt has a Kin Score of 19.8 out of 100 (emerging) and an Agent Readiness score of 3.1 (human-only), scored by API Evangelist on 2026-10-31.

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get_provider_operationsEvery operation across all of their OpenAPIs — one call instead of parsing every spec.
get_provider_toolsEvery MCP tool they ship, with the operation each wraps.
get_provider_evidenceHow each part of their score was established. Free — the basis for a claim should not sit behind it.
get_provider_ratingPRO — composite, band, trend and facet scores.
apis_io_searchSTART HERE — APIs, providers and tags for one query, each with its total.
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find_cohortsEvery scored population of providers in the catalog.

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