# Juvo

**Canonical:** https://apis.io/providers/juvo/  
**Website:** https://www.juvo.com/  
**APIs profiled:** 0

Juvo is a San Francisco based fintech company, founded in 2014, that provides Financial Identity as a Service (FiDaaS). In partnership with mobile network operators, Juvo uses data science, machine learning, and game mechanics to analyze anonymous prepaid mobile subscriber behavior and build proprietary Identity Scores for the roughly 68% of adults worldwide who lack a formal credit history. Its Identity Stack exposes an API for carriers to derive customer analytics and insights, and powers airtime lending and cash-loan products. Juvo has built over 150 million financial profiles and works with operators and partners including Mastercard, Claro, T-Mobile, Vivo, and TIM across Latin America and beyond. Developer documentation is published on a Stoplight-hosted portal at developers.juvo.com.

## Kin Score — 8.1 / 100 (minimal)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 8.1).

| Facet | Score |
|---|---|
| Discoverability | 50.0 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 15.5 |
| Commercial Clarity | 0.0 |
| Access Clarity | 0.0 |

## Agent readiness — 0.0 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| 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 |

## Access

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## Security (1)

- **Juvo Domain Security** — TLSv1.3

## Tags

Company, Fintech, Financial Identity, Credit Scoring, Financial-Services, Mobile, Underbanked, Machine-Learning, Financial Inclusion

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