Incognia

Incognia is a location identity and device fingerprinting platform for fraud prevention, providing real-time risk assessments for user onboarding, login, and payment transactions. Its API returns low_risk / high_risk / unknown_risk verdicts by combining privacy-first device recognition, location behavior analysis, and tamper detection, and accepts feedback events (chargebacks, account takeover, identity fraud, accepted/declined outcomes) that continuously tune the risk model. Incognia is used across financial services, fintech, marketplaces, delivery, and gaming to stop account takeover, new-account fraud, and payment fraud while reducing friction for trusted users. Authentication is OAuth 2.0 client credentials, exchanged for short-lived bearer tokens; official SDKs ship for Node.js, Python, Ruby, Java, and Go.

Incognia publishes 4 API contracts indexed on the APIs.io network, including Authentication API, Feedback API, Onboarding API, and 1 more. Tagged areas include Company, Cybersecurity, Fraud Prevention, Device Fingerprinting, and Location Identity.

The Incognia catalog on APIs.io includes 1 Spectral governance ruleset.

Incognia’s developer surface includes documentation, API reference, getting-started guide, engineering blog, pricing, authentication, and 23 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

27.8/100 thin ▬ flat Agent 26/100 agent aware Front door AI 4/6 moderate Heartbeat 100/100 alive saas Full breakdown ↓
scored 2026-11-02 · rubric v0.26.0 · Show this score on your site →

1 published contract 3 Agent Skills

Company Cybersecurity Fraud Prevention Device FingerprintingLocation IdentityIdentity Verification Risk Assessment Authentication Fintech

Kin Score

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

Composite quality — 27.8/100 · thin

Contract Quality 0.0 / 19

Developer Ergonomics 3.5 / 15

Access Clarity 4.7 / 15

Operational Transparency 1.8 / 10

Contract Governance 1.6 / 9

Discoverability 5.5 / 8

Regulatory Posture 5.1 / 15

Create-or-Update Ergonomics 2.8 / 10

Agent readiness — 26/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 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 7 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 5 / 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 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 applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% 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):

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
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)
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document
Delegated User Identity +6 pts — a served discovery document listing authorization_code in grant_types_supported (served), else an oauth2 authorizationCode flow or openIdConnect declared in an OpenAPI (documented)

7 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
Developer Ergonomics scores 23.2 — up to +15.4 composite points
Access Clarity scores 31.6 — up to +13.7 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/incognia/apis.yml: open an issue on github.com/api-evangelist/incognia 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
Official SDKs on Package Registries	distribution	28.8	-	-
Biometrics Testing (biometric recognition vendors, identity verification depth)	distribution	28.8	-	-
Official SDKs on Packagist, pub.dev and Hex	distribution	28.8	-	-

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.

Standards implemented 2

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

OpenAPI

measured — observed by APIs.io (published)

OAuth 2.0

measured — observed by APIs.io (declared)

APIs 4

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

Incognia Authentication API

OAuth 2.0 client-credentials token exchange

Incognia Feedback API

Report labeled events to tune the risk model

Incognia Onboarding API

Signup risk assessment

Incognia Transactions API

Open Collections 4

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

Incognia Authentication API

OPEN COLLECTION

Incognia Authentication Feedback API

OPEN COLLECTION

Incognia Authentication Onboarding API

OPEN COLLECTION

Incognia Authentication Transactions API

OPEN COLLECTION

Agent Skills 3

Packaged agent skills for driving this provider's APIs from an AI assistant.

Assess an onboarding signup for fraud

AGENT SKILL

Assess a login or payment transaction

AGENT SKILL

Report a feedback event to tune the model

AGENT SKILL

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Incognia API Rules

56 rules · 54 errors 1 warnings 1 info

SPECTRAL

OpenAPI Overlays 1

Overlays applied on top of this provider's contracts. Each card says who wrote it: a document the provider publishes, or one API Evangelist derived or generated.

Incognia Openapi Overlay

4 actions · update · incognia-openapi-original.yml

DERIVED

Security Posture 2

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

Incognia Authentication

http/oauth2 · 3 schemes

SECURITY

Incognia Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Incognia Scopes

OAuth 2.0 · no documented scopes

0 scopes

SCOPES

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Incognia Agentic Access

4 operations · 4 acting

AGENTIC

Resources

Get Started 2

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

GettingStarted

GettingStarted

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 5

MCP servers, agent skills, and machine-readable catalogs

X-MCPServerCandidate

LLMsTxt

WellKnown

AgenticAccess

AgentSkill

Design & Contract 5

Pagination, idempotency, versioning, errors, and events

Conformance

ErrorCatalog

Lifecycle

Conventions

DataModel

Build 3

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Packages

Packages

SDKs

SDKs

Access & Security 4

Authentication, authorization, and security posture

OAuthScopes

TrustCenter

Authentication

DomainSecurity

Operate 1

Status, limits, changes, and where to get help

StatusPage

StatusPage

Commercial 3

Pricing, plans, and the legal terms of use

Pricing

Pricing

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 3

The organization behind the API

BlogRSS

BlogRSS

Website

Website

Blog

Blog

Other 1

Properties that don't map to a standard resource type

Overlay

Overlay

Source (apis.yml)

aid: incognia
name: Incognia
description: Incognia is a location identity and device fingerprinting platform for fraud prevention, providing real-time
  risk assessments for user onboarding, login, and payment transactions. Its API returns low_risk / high_risk / unknown_risk
  verdicts by combining privacy-first device recognition, location behavior analysis, and tamper detection, and accepts feedback
  events (chargebacks, account takeover, identity fraud, accepted/declined outcomes) that continuously tune the risk model.
  Incognia is used across financial services, fintech, marketplaces, delivery, and gaming to stop account takeover, new-account
  fraud, and payment fraud while reducing friction for trusted users. Authentication is OAuth 2.0 client credentials, exchanged
  for short-lived bearer tokens; official SDKs ship for Node.js, Python, Ruby, Java, and Go.
url: https://raw.githubusercontent.com/api-evangelist/incognia/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- bessemer-venture-partners
x-tier: stub
x-tier-reason: portfolio-lead
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - 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
  generated: '2026-11-02'
  method: derived
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-10-06'
tags:
- Company
- Cybersecurity
- Fraud Prevention
- Device Fingerprinting
- Location Identity
- Identity Verification
- Risk Assessment
- Authentication
- Fintech
tags_raw:
- Company
- Cybersecurity
- Fraud Prevention
- Device Fingerprinting
- Location Identity
- Identity Verification
- Risk Assessment
- Authentication
- Fintech
- Anti-Fraud
image: https://www.incognia.com/hubfs/incognia-logo.svg
apis:
- aid: incognia:incognia-authentication-api
  name: Incognia Authentication API
  description: OAuth 2.0 client-credentials token exchange
  humanURL: https://developer.incognia.com/docs/
  baseURL: https://api.incognia.com/api
  tags:
  - Authentication
  properties:
  - type: OpenAPI
    url: openapi/incognia-authentication-api-openapi.yml
  - type: Authentication
    url: authentication/incognia-authentication.yml
  - type: ErrorCatalog
    url: errors/incognia-problem-types.yml
  - type: Conventions
    url: conventions/incognia-conventions.yml
  - type: DataModel
    url: data-model/incognia-data-model.yml
  - type: AgenticAccess
    url: agentic-access/incognia-agentic-access.yml
- aid: incognia:incognia-feedback-api
  name: Incognia Feedback API
  description: Report labeled events to tune the risk model
  humanURL: https://developer.incognia.com/docs/
  baseURL: https://api.incognia.com/api
  tags:
  - Feedback
  properties:
  - type: OpenAPI
    url: openapi/incognia-feedback-api-openapi.yml
  - type: Authentication
    url: authentication/incognia-authentication.yml
  - type: ErrorCatalog
    url: errors/incognia-problem-types.yml
  - type: Conventions
    url: conventions/incognia-conventions.yml
  - type: DataModel
    url: data-model/incognia-data-model.yml
  - type: AgenticAccess
    url: agentic-access/incognia-agentic-access.yml
- aid: incognia:incognia-onboarding-api
  name: Incognia Onboarding API
  description: Signup risk assessment
  humanURL: https://developer.incognia.com/docs/
  baseURL: https://api.incognia.com/api
  tags:
  - Onboarding
  properties:
  - type: OpenAPI
    url: openapi/incognia-onboarding-api-openapi.yml
  - type: Authentication
    url: authentication/incognia-authentication.yml
  - type: ErrorCatalog
    url: errors/incognia-problem-types.yml
  - type: Conventions
    url: conventions/incognia-conventions.yml
  - type: DataModel
    url: data-model/incognia-data-model.yml
  - type: AgenticAccess
    url: agentic-access/incognia-agentic-access.yml
- aid: incognia:incognia-transactions-api
  name: Incognia Transactions API
  description: Login and payment risk assessment
  humanURL: https://developer.incognia.com/docs/
  baseURL: https://api.incognia.com/api
  tags:
  - Transaction
  tags_raw:
  - Transactions
  properties:
  - type: OpenAPI
    url: openapi/incognia-transactions-api-openapi.yml
  - type: Authentication
    url: authentication/incognia-authentication.yml
  - type: ErrorCatalog
    url: errors/incognia-problem-types.yml
  - type: Conventions
    url: conventions/incognia-conventions.yml
  - type: DataModel
    url: data-model/incognia-data-model.yml
  - type: AgenticAccess
    url: agentic-access/incognia-agentic-access.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- url: https://www.incognia.com/blog/rss.xml
  type: BlogRSS
- type: Overlay
  url: overlays/incognia-openapi-overlay.yaml
- type: OAuthScopes
  url: scopes/incognia-scopes.yml
- type: Website
  url: https://www.incognia.com/
- type: DeveloperPortal
  url: https://developer.incognia.com/
- type: Documentation
  url: https://developer.incognia.com/docs/
- type: APIReference
  url: https://developer.incognia.com/docs/us/v5/apis/
- type: GettingStarted
  url: https://developer.incognia.com/docs/us/v5/apis/incognia-libraries/
- type: Blog
  url: https://www.incognia.com/blog
- type: Pricing
  url: https://www.incognia.com/pricing
- type: TermsOfService
  url: https://www.incognia.com/terms-of-use
- type: PrivacyPolicy
  url: https://www.incognia.com/policies/
- type: GitHubOrganization
  url: https://github.com/inloco
- type: TrustCenter
  url: https://trust.incognia.com/
- type: Packages
  url: packages/incognia-packages.yml
- type: SDKs
  url: packages/incognia-packages.yml
- type: Authentication
  url: authentication/incognia-authentication.yml
- type: X-MCPServerCandidate
  url: mcp/incognia-mcp.yml
  note: 'Renamed from MCPServer 2026-09-03 (roadmap#247): the manifest self-describes as status: candidate — a tool list derived
    from the published API contracts, not an existing server. The scorer already read the manifest and reported mcp_server
    correctly; the MCPServer type was crediting the artifact-type surfaces with a server that does not exist.'
- type: LLMsTxt
  url: llms/incognia-llms.txt
- type: WellKnown
  url: well-known/incognia-well-known.yml
- type: Conformance
  url: conformance/incognia-conformance.yml
- type: ErrorCatalog
  url: errors/incognia-problem-types.yml
- type: Lifecycle
  url: lifecycle/incognia-lifecycle.yml
- type: StatusPage
  url: https://status.incognia.com/
- type: Conventions
  url: conventions/incognia-conventions.yml
- type: DataModel
  url: data-model/incognia-data-model.yml
- type: DomainSecurity
  url: security/incognia-domain-security.yml
- type: AgenticAccess
  url: agentic-access/incognia-agentic-access.yml
- type: AgentSkill
  url: skills/_index.yml
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence

Incognia API — frequently asked questions

Does Incognia have an API?

Yes. APIs.io lists 4 APIs from Incognia, including Incognia Authentication API, Incognia Feedback API and Incognia Onboarding API, and 1 more.

Is there an OpenAPI specification for the Incognia API?

Yes. APIs.io indexes 4 OpenAPI specifications for Incognia, each linked for download from this page.

How do I authenticate with the Incognia API?

Incognia uses bearer-token authentication (http/oauth2 · 3 schemes). The details are profiled on APIs.io as Incognia Authentication.

Is the Incognia API ready for AI agents?

Incognia has a Kin Score of 27.8 out of 100 (thin) and an Agent Readiness score of 26.4 (agent-aware), scored by API Evangelist on 2026-11-02.

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