Julaya

Julaya is a West African B2B fintech, founded in 2018 and headquartered in Abidjan, Cote d'Ivoire, that digitizes corporate financial operations across the UEMOA zone (Cote d'Ivoire, Senegal, Benin and Togo). Its pro account lets businesses send mobile money and bank transfers, collect cash and mobile-money deposits, pay suppliers and run payroll, and receive UEMOA-wide transfers via a Julaya IBAN, with multi-company sub-wallets, approval and signature workflows, real-time transaction tracking and accounting exports. Julaya is licensed as a payment establishment in Cote d'Ivoire and connects businesses to mobile-money rails including Orange Money, Wave, MTN MoMo, Moov and Wizall. A partner integration API (api.julaya.co) exposes disbursement and collection programmatically for enterprise customers.

Julaya is listed with 1 API on the APIs.io network. Tagged areas include Company, Payments, Mobile Money, Disbursements, and Collection.

Julaya’s developer surface includes signup flow, pricing, engineering blog, support, and 7 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

14.7/100 emerging ▬ flat Agent 0/100 human only Front door AI 1/6 silent Heartbeat 0/100 dormant saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

1 API

Company Payments Mobile Money Disbursements Collection Payroll Fintech West AfricaUEMOAB2B Payments Financial Services

Kin Score

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

Composite quality — 14.7/100 · emerging

Contract Quality 0.0 / 21

Developer Ergonomics 1.2 / 17

Access Clarity 5.4 / 17

Operational Transparency 1.2 / 11

Contract Governance 0.0 / 10

Discoverability 5.6 / 9

Regulatory Posture 1.9 / 15

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

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 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

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Payments 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/.

Show this score on your site.

It updates itself when the score changes. Paste this where you link to your API docs:

<a href="https://apis.io/providers/julaya/"><img src="https://apis.io/badge/julaya/card.svg" alt="Julaya on APIs.io — Kin Score by API Evangelist"></a>

Other styles, a README pill and a shields.io endpoint are on the badge page.

Raise your score.

Agent readiness — checks not met, largest first (exact, from this profile):

Machine-Readable Contract +18 pts — api_specs includes an OpenAPI document
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
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)
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes

13 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 7.1 — up to +18.6 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/julaya/apis.yml: open an issue on github.com/api-evangelist/julaya 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
African Payments (Nigeria, Kenya, South Africa, Ghana, WAEMU)	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.

APIs 1

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

Julaya Partner API

Auth-gated partner integration API for programmatic disbursement (mobile money and bank transfers) and collection (cash and mobile money) across the UEMOA zone. Access is provis...

Service Levels 1

Uptime the provider promises or reports, as SLA4OAI. Read from its own pages; APIs.io runs no monitors.

Julaya

SLA

Security Posture 1

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

Julaya Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Resources

Get Started 2

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

SignUp

SignUp

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Operate 2

Status, limits, changes, and where to get help

Support

Support

StatusPage

StatusPage

Commercial 3

Pricing, plans, and the legal terms of use

Pricing

Pricing

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 2

The organization behind the API

Website

Website

Blog

Blog

Source (apis.yml)

aid: julaya
name: Julaya
description: Julaya is a West African B2B fintech, founded in 2018 and headquartered in Abidjan, Cote d'Ivoire, that digitizes
  corporate financial operations across the UEMOA zone (Cote d'Ivoire, Senegal, Benin and Togo). Its pro account lets businesses
  send mobile money and bank transfers, collect cash and mobile-money deposits, pay suppliers and run payroll, and receive
  UEMOA-wide transfers via a Julaya IBAN, with multi-company sub-wallets, approval and signature workflows, real-time transaction
  tracking and accounting exports. Julaya is licensed as a payment establishment in Cote d'Ivoire and connects businesses
  to mobile-money rails including Orange Money, Wave, MTN MoMo, Moov and Wizall. A partner integration API (api.julaya.co)
  exposes disbursement and collection programmatically for enterprise customers.
url: https://raw.githubusercontent.com/api-evangelist/julaya/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- speedinvest
x-tier: stub
x-tier-reason: portfolio-lead
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - security
  generated: '2026-11-06'
  method: derived
image: https://julaya.co/favicon.ico
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-19'
tags:
- Company
- Payments
- Mobile Money
- Disbursements
- Collection
- Payroll
- Fintech
- West Africa
- UEMOA
- B2B Payments
- Financial Services
tags_raw:
- Company
- Payments
- Mobile Money
- Disbursements
- Collections
- Payroll
- Fintech
- West Africa
- UEMOA
- B2B Payments
- Financial Services
- Financial-Services
apis:
- name: Julaya Partner API
  description: Auth-gated partner integration API for programmatic disbursement (mobile money and bank transfers) and collection
    (cash and mobile money) across the UEMOA zone. Access is provisioned for enterprise/partner accounts; no public specification
    is published.
  humanURL: https://julaya.co/en/products/transfer
  baseURL: https://api.julaya.co
  tags:
  - Payments
  - Disbursements
  - Collection
  tags_raw:
  - Payments
  - Disbursements
  - Collections
  properties: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: DomainSecurity
  url: security/julaya-domain-security.yml
- type: Website
  url: https://julaya.co
- type: DeveloperPortal
  url: https://pro.julaya.co/
- type: SignUp
  url: https://pro.julaya.co/
- type: Pricing
  url: https://julaya.co/en/prices
- type: Blog
  url: https://blog.julaya.co/
- type: Support
  url: https://julaya.co/en/contact
- type: TermsOfService
  url: https://julaya.co/en/legals
- type: PrivacyPolicy
  url: https://julaya.co/en/privacy
- type: GitHubOrganization
  url: https://github.com/Julaya
- type: StatusPage
  url: https://status.julaya.co
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence

Julaya API — frequently asked questions

Does Julaya have an API?

Yes. APIs.io lists 1 API from Julaya, including Julaya Partner API.

Is the Julaya API ready for AI agents?

Julaya has a Kin Score of 14.7 out of 100 (emerging) and an Agent Readiness score of 0.0 (human-only), scored by API Evangelist on 2026-11-06.

Work with this as data

Every provider here is available over the APIs.io API and to AI agents over MCP.

MCP server

One button, every client — Claude, Cursor, VS Code and the rest.

https://apis.io/mcp

Tools for providers

9 MCP tools reach this

find_providersBrowse and filter every provider in the catalog.
get_provider_artifactsEvery artifact this provider publishes, grouped by type.
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.
resolveTurn a domain, URL or GitHub org into the provider it belongs to.
find_cohortsEvery scored population of providers in the catalog.

All 92 tools →

Call it yourself

curl for this page

This provider

curl "https://apis.io/api/v1/providers/julaya"

All providers

curl "https://apis.io/api/v1/providers?limit=25"

Every operation they expose

curl "https://apis.io/api/v1/providers/julaya/operations?limit=25"

How their score was established

curl "https://apis.io/api/v1/providers/julaya/evidence"

Calls without X-API-Key need no key. Calls with it need a paid plan — get a key.

Get an API key

Free tier, no form to fill in. Signing in shares your email address with us — we store it to create your key and to recognise you if you sign in with another provider. See our Privacy Policy and Terms.

GitHub Google LinkedIn

A second provider on the same verified email joins the account you already have.