Jifiti website screenshot

Jifiti

Through our white-labeled platform, banks and lenders embed their loans at any point of sale, giving merchants access to the most competitive business and consumer loan programs from lenders their customers trust. Jifiti provides a fast, secure, and stable API for embedded lending and Buy Now Pay Later solutions.

Jifiti publishes 2 APIs on the APIs.io network. Tagged areas include Banking, Buy Now Pay Later, Embedded Lending, Fintech, and Payments.

Jifiti’s developer surface includes developer portal, documentation, engineering blog, and 4 more developer resources.

🌐 Visit website 📡 Source on GitHub
22.0/100 emerging ▬ flat Agent 3/100 human only Full breakdown ↓
scored 2026-08-05 · rubric v0.9.1
AccessFreemium
2 APIs
BankingBuy Now Pay LaterEmbedded LendingFintechPayments

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-08-05 · rubric v0.9.1
Composite quality — 22.0/100 · emerging
Contract Quality 0.0 / 25
Developer Ergonomics 3.9 / 20
Commercial Clarity 9.5 / 20
Operational Transparency 4.1 / 13
Governance 0.0 / 12
Discoverability 5.9 / 10
Agent readiness — 3/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 10
MCP Server 0 / 12
Machine-Readable Auth 0 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 7 / 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
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/jifiti: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 2

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

Jifiti Buy Now Pay Later API

Jifiti's Buy Now Pay Later API enables merchants and lenders to offer split payment and consumer financing options, including one-time loans and revolving lines of credit.

Jifiti Embedded Lending API

Jifiti's Embedded Lending API for banks and lenders provides detailed guides and component diagrams to help map lending solutions with the Jifiti platform.

Pricing Plans 1

Published pricing tiers and plan structures.

Jifiti Plans Pricing

3 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Jifiti Rate Limits

5 limits

RATE LIMITS

FinOps 1

Cost, billing, and metering signals for API financial operations.

Jifiti Finops

FINOPS

Security Posture 2

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

Jifiti Domain Security

TLSv1.3 · DMARC

SECURITY

Jifiti Trust Center

SOC 2, GDPR

SECURITY

Resources

Get Started 1

Portal, sign-up, and the first successful call

Portal
Portal

Documentation 1

Reference material describing how the API behaves

Documentation
Documentation

Access & Security 2

Authentication, authorization, and security posture

TrustCenter
TrustCenter
 DomainSecurity
DomainSecurity

Company 3

The organization behind the API

LinkedIn
LinkedIn
 Website
Website
 Blog
Blog

Source (apis.yml)

apis.yml Raw ↑ 
aid: jifiti
name: Jifiti
description: Through our white-labeled platform, banks and lenders embed their loans at any point of sale, giving merchants
  access to the most competitive business and consumer loan programs from lenders their customers trust. Jifiti provides a
  fast, secure, and stable API for embedded lending and Buy Now Pay Later solutions.
type: Index
accessModel:
  pricing: freemium
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Freemium
  confidence: medium
  source:
  - plans
  generated: '2026-07-22'
  method: derived
position: Consumer
access: 3rd-Party
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/jifiti.png
tags:
- Banking
- Buy Now Pay Later
- Embedded Lending
- Fintech
- Payments
created: '2025-02-24'
modified: '2026-03-16'
url: https://raw.githubusercontent.com/api-evangelist/jifiti/refs/heads/main/apis.yml
specificationVersion: '0.19'
apis:
- aid: jifiti:bnpl-api
  name: Jifiti Buy Now Pay Later API
  description: Jifiti's Buy Now Pay Later API enables merchants and lenders to offer split payment and consumer financing
    options, including one-time loans and revolving lines of credit.
  humanURL: https://www.jifiti.com/api/
  tags:
  - Buy Now Pay Later
  - Consumer Financing
  - Payments
  properties:
  - type: Documentation
    url: https://www.jifiti.com/api/
- aid: jifiti:lending-api
  name: Jifiti Embedded Lending API
  description: Jifiti's Embedded Lending API for banks and lenders provides detailed guides and component diagrams to help
    map lending solutions with the Jifiti platform.
  humanURL: https://www.jifiti.com/lending-api/
  tags:
  - Banking
  - Embedded Lending
  - Lenders
  properties:
  - type: Documentation
    url: https://www.jifiti.com/lending-api/
common:
- type: TrustCenter
  url: security/jifiti-trust-center.yml
- type: DomainSecurity
  url: security/jifiti-domain-security.yml
- type: LinkedIn
  url: https://www.linkedin.com/company/jifiti
- type: Website
  url: https://www.jifiti.com
- type: Portal
  url: https://www.jifiti.com/api/
- type: Documentation
  url: https://www.jifiti.com/api/
- url: https://www.jifiti.com/news/feed/
  type: Blog
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com