# Microbilt

**Canonical:** https://apis.io/providers/ibvnow/  
**Website:** https://www.microbilt.com/  
**APIs profiled:** 1

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.

## Kin Score — 19.8 / 100 (emerging)

Scored 2026-10-31 under rubric 0.25.0.

| Facet | Score |
|---|---|
| Discoverability | 55.4 |
| Contract Quality | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 38.1 |
| Access Clarity | 34.2 |

Regulatory layer — **Horizontal (data, software, accessibility, platform)**: 13.7 (matched via fallback).

## Agent readiness — 3.1 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | documented |
| 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 |
| Pagination Ratio | na |
| Operation Distinctiveness | na |

## APIs (1)

- **Microbilt API** — Data APIs for loan origination, identity confirmation, background screening, and fraud detection.

## Security (1)

- **Ibvnow Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Company, Data, Credit, RiskManagement, APIs

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