Interhyp

Interhyp AG is Germany's leading platform for residential mortgage financing (Baufinanzierung), connecting homebuyers and partners with the best financing options by comparing offers from more than 500 loan partners. Through its Developer Studio (developer.ehyphome.de) Interhyp publishes a partner-facing REST API surface — most notably the Submission API — that lets brokers, referrers and platforms integrate mortgage submission workflows, financing applications, documents, logbooks and pre-submission checks directly into their own applications. The API is designed "API First" and "Mobile First", secured with OAuth 2.0 JWT bearer tokens plus an Api-Key header, uses cursor-based pagination, RFC 7807 problem+json error responses and traceId request tracing. Interhyp is part of the ING Group and operates the broker brand Prohyp.

Interhyp publishes 8 API contracts indexed on the APIs.io network, including Commands API, Documents API, Financing Application API, and 5 more. Tagged areas include Company, Fintech, Mortgage, Lending, and Baufinanzierung.

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

Interhyp’s developer surface includes documentation, getting-started guide, changelog, signup flow, support, authentication, sandbox, and 18 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

43.3/100 developing ▬ flat Agent 33/100 agent ready Heartbeat 92/100 alive saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

2 published contracts 2 Agent Skills

Company Fintech Mortgage LendingBaufinanzierungReal Estate Banking Germany API-First

What this lets a business do 1

Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →

Credit & Lending Management

BC-1320

financing-applicationpre-submission-checkssubmissions

GET /submissions GET /submissions/{submissionId} GET /submissions/{submissionId}/financing-application GET /financing-applications/{financingApplicationId}

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 43.3/100 · developing

Contract Quality 9.8 / 19

Developer Ergonomics 8.5 / 15

Access Clarity 5.1 / 15

Operational Transparency 2.6 / 10

Contract Governance 1.6 / 9

Discoverability 5.5 / 8

Regulatory Posture 3.0 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 33/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 9 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 7 / 7

Rate-Limit Signaling 7 / 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 0 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Banking & Open Finance 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
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
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)
Typed Event Surface +6 pts — AsyncAPI document, OR webhooks/callbacks objects in the as-published OpenAPI, OR common[].type includes Webhooks

7 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Access Clarity scores 34.2 — up to +13.2 composite points
Contract Quality scores 52.3 — up to +11.9 composite points
Contract Governance scores 18.2 — up to +9.8 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/interhyp/apis.yml: open an issue on github.com/api-evangelist/interhyp 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)	undeclared	-	-	-
DACH and Netherlands Financial Supervisor Registers (BaFin, FINMA, DNB)	undeclared	-	-	-

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 1

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)

APIs 8

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

Interhyp Commands API

provides endpoints to access to commands sent to the submission API

Interhyp Documents API

access to submission documents

Interhyp Financing Application API

provides endpoints for financing application resources not associate to a specific financing partner

Interhyp Info API

provides basic info about service status and version of the submission API specs used

Interhyp Logbook API

provides endpoints to access submission logbook

Interhyp Pre Submission Checks API

provides endpoints for pre-submission resources associated with a specific financing partner

Interhyp Protocol API

access to submission protocol

Interhyp Submissions API

provides endpoints for submission resources associated with a specific financing partner

Scroll for all 8

Open Collections 8

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

Interhyp Submission commands API

OPEN COLLECTION

Interhyp Submission commands documents API

OPEN COLLECTION

Interhyp Submission commands financing-application API

OPEN COLLECTION

Interhyp Submission commands info API

OPEN COLLECTION

Interhyp Submission commands logbook API

OPEN COLLECTION

Interhyp Submission commands pre-submission-checks API

OPEN COLLECTION

Interhyp Submission commands protocol API

OPEN COLLECTION

Interhyp Submission commands submissions API

OPEN COLLECTION

Scroll for all 8

Agent Skills 2

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

Manage a mortgage submission

AGENT SKILL

Read a mortgage financing application

AGENT SKILL

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Interhyp API Rules

67 rules · 58 errors 7 warnings 2 info

SPECTRAL

OpenAPI Overlays 2

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.

Interhyp Submission Documents Overlay

1 action · update · interhyp-submission-documents-openapi.yml

DERIVED

Interhyp Submission Overlay

2 actions · update · interhyp-submission-openapi.yml

DERIVED

Security Posture 2

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

Interhyp Authentication

http/apiKey · 2 schemes

SECURITY

Interhyp Domain Security

TLSv1.2 · HSTS · DMARC

SECURITY

Resources

Get Started 4

Portal, sign-up, and the first successful call

DeveloperPortal

GettingStarted

SignUp

Sandbox

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Agent Surfaces 3

MCP servers, agent skills, and machine-readable catalogs

X-MCPServerCandidate

X-MCPServerCandidate

LLMsTxt

LLMsTxt

AgentSkill

AgentSkill

Design & Contract 7

Pagination, idempotency, versioning, errors, and events

Conventions

Idempotency

ErrorCatalog

ErrorCatalog

Lifecycle

DataModel

Conformance

Scroll for all 7

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Access & Security 2

Authentication, authorization, and security posture

Authentication

Authentication

DomainSecurity

DomainSecurity

Operate 3

Status, limits, changes, and where to get help

ChangeLog

ChangeLog

Support

Support

Deprecation

Deprecation

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Other 2

Properties that don't map to a standard resource type

CapabilityMap

CapabilityMap

Overlay

Overlay

Source (apis.yml)

aid: interhyp
name: Interhyp
description: Interhyp AG is Germany's leading platform for residential mortgage financing (Baufinanzierung), connecting homebuyers
  and partners with the best financing options by comparing offers from more than 500 loan partners. Through its Developer
  Studio (developer.ehyphome.de) Interhyp publishes a partner-facing REST API surface — most notably the Submission API —
  that lets brokers, referrers and platforms integrate mortgage submission workflows, financing applications, documents, logbooks
  and pre-submission checks directly into their own applications. The API is designed "API First" and "Mobile First", secured
  with OAuth 2.0 JWT bearer tokens plus an Api-Key header, uses cursor-based pagination, RFC 7807 problem+json error responses
  and traceId request tracing. Interhyp is part of the ING Group and operates the broker brand Prohyp.
url: https://raw.githubusercontent.com/api-evangelist/interhyp/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- earlybird
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
  - sandbox
  generated: '2026-11-06'
  method: derived
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-19'
tags:
- Company
- Fintech
- Mortgage
- Lending
- Baufinanzierung
- Real Estate
- Banking
- Germany
- API-First
tags_raw:
- Company
- Fintech
- Mortgage
- Lending
- Baufinanzierung
- Real Estate
- Banking
- Germany
- API First
- Real-Estate
image: https://developer.ehyphome.de/favicon.ico
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
apis:
- aid: interhyp:interhyp-commands-api
  name: Interhyp Commands API
  description: provides endpoints to access to commands sent to the submission API
  humanURL: https://developer.ehyphome.de/products
  baseURL: https://api.interhyp.de/submission/v2
  tags:
  - Commands
  tags_raw:
  - commands
  properties:
  - type: OpenAPI
    url: openapi/interhyp-commands-api-openapi.yml
- aid: interhyp:interhyp-documents-api
  name: Interhyp Documents API
  description: access to submission documents
  humanURL: https://developer.ehyphome.de/products
  baseURL: https://api.interhyp.de/submission/v2
  tags:
  - Documents
  tags_raw:
  - documents
  properties:
  - type: OpenAPI
    url: openapi/interhyp-documents-api-openapi.yml
- aid: interhyp:interhyp-financing-application-api
  name: Interhyp Financing Application API
  description: provides endpoints for financing application resources not associate to a specific financing partner
  humanURL: https://developer.ehyphome.de/products
  baseURL: https://api.interhyp.de/submission/v2
  tags:
  - financing-application
  properties:
  - type: OpenAPI
    url: openapi/interhyp-financing-application-api-openapi.yml
- aid: interhyp:interhyp-info-api
  name: Interhyp Info API
  description: provides basic info about service status and version of the submission API specs used
  humanURL: https://developer.ehyphome.de/products
  baseURL: https://api.interhyp.de/submission/v2
  tags:
  - Info
  tags_raw:
  - info
  properties:
  - type: OpenAPI
    url: openapi/interhyp-info-api-openapi.yml
- aid: interhyp:interhyp-logbook-api
  name: Interhyp Logbook API
  description: provides endpoints to access submission logbook
  humanURL: https://developer.ehyphome.de/products
  baseURL: https://api.interhyp.de/submission/v2
  tags:
  - logbook
  properties:
  - type: OpenAPI
    url: openapi/interhyp-logbook-api-openapi.yml
- aid: interhyp:interhyp-pre-submission-checks-api
  name: Interhyp Pre Submission Checks API
  description: provides endpoints for pre-submission resources associated with a specific financing partner
  humanURL: https://developer.ehyphome.de/products
  baseURL: https://api.interhyp.de/submission/v2
  tags:
  - pre-submission-checks
  properties:
  - type: OpenAPI
    url: openapi/interhyp-pre-submission-checks-api-openapi.yml
- aid: interhyp:interhyp-protocol-api
  name: Interhyp Protocol API
  description: access to submission protocol
  humanURL: https://developer.ehyphome.de/products
  baseURL: https://api.interhyp.de/submission/v2
  tags:
  - Protocol
  tags_raw:
  - protocol
  properties:
  - type: OpenAPI
    url: openapi/interhyp-protocol-api-openapi.yml
- aid: interhyp:interhyp-submissions-api
  name: Interhyp Submissions API
  description: provides endpoints for submission resources associated with a specific financing partner
  humanURL: https://developer.ehyphome.de/products
  baseURL: https://api.interhyp.de/submission/v2
  tags:
  - Submissions
  tags_raw:
  - submissions
  properties:
  - type: OpenAPI
    url: openapi/interhyp-submissions-api-openapi.yml
common:
- type: CapabilityMap
  url: capabilities/interhyp-capability-edges.yml
  name: Interhyp Business Capability Map
- type: Overlay
  url: overlays/interhyp-submission-documents-overlay.yaml
- type: DeveloperPortal
  url: https://developer.ehyphome.de/
- type: Documentation
  url: https://developer.ehyphome.de/products
- type: GettingStarted
  url: https://developer.ehyphome.de/first-steps
- type: ChangeLog
  url: https://developer.ehyphome.de/changelog
- type: TermsOfService
  url: https://developer.ehyphome.de/assets/AGB.pdf
- type: SignUp
  url: https://www.prohyp.de/partner-werden/
- type: Support
  url: mailto:am@prohyp.de
- type: GitHubOrganization
  url: https://github.com/Interhyp
- type: PrivacyPolicy
  url: https://www.interhyp.de/datenschutz.html
- type: Authentication
  url: authentication/interhyp-authentication.yml
- type: Conventions
  url: conventions/interhyp-conventions.yml
- type: Idempotency
  url: conventions/interhyp-conventions.yml
- type: ErrorCatalog
  url: errors/interhyp-problem-types.yml
- type: ErrorCatalog
  url: errors/interhyp-error-codes.yml
- type: Lifecycle
  url: lifecycle/interhyp-lifecycle.yml
- type: Deprecation
  url: lifecycle/interhyp-lifecycle.yml
- type: DataModel
  url: data-model/interhyp-data-model.yml
- type: Conformance
  url: conformance/interhyp-conformance.yml
- type: X-MCPServerCandidate
  url: mcp/interhyp-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/interhyp-llms.txt
- type: DomainSecurity
  url: security/interhyp-domain-security.yml
- type: Sandbox
  url: sandbox/interhyp-sandbox.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

Interhyp API — frequently asked questions

Does Interhyp have an API?

Yes. APIs.io lists 8 APIs from Interhyp, including Interhyp Commands API, Interhyp Documents API and Interhyp Financing Application API, and 5 more.

Is there an OpenAPI specification for the Interhyp API?

Yes. APIs.io indexes 8 OpenAPI specifications for Interhyp, each linked for download from this page.

How do I authenticate with the Interhyp API?

Interhyp uses bearer-token authentication (http/apiKey · 2 schemes). The details are profiled on APIs.io as Interhyp Authentication.

Is the Interhyp API ready for AI agents?

Interhyp has a Kin Score of 43.3 out of 100 (developing) and an Agent Readiness score of 33.2 (agent-ready), scored by API Evangelist on 2026-11-06.

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