# Kapital

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

Kapital (KPTL MEXICO BANK, S.A., Institucion de Banca Multiple, Kapital Mexico Grupo Financiero) is a licensed Mexican bank and AI-native financial platform for SMEs and corporates, founded in 2019 and headquartered in Mexico City. Its ecosystem combines business and personal deposit accounts, corporate cards, SPEI and SPID transfers, FX cash/transfers/cheques and derivatives (forwards, interest rates), working-capital and revolving credit (Credito Empresarial, Credito PyME, Credito FLEX), factoring, and fixed-income investments (Pagare, CEDES) with Kapital IA, a native artificial-intelligence layer that reconciles cash flow, projects sales, validates supplier pricing and flags anomalous costs. It is supervised by the CNBV and Banco de Mexico, with deposits protected by IPAB, and it also operates in Colombia as Kapital Colombia. Kapital publishes no public developer portal, OpenAPI, SDK or webhook surface; the banking surface is delivered through its own web and mobile applications.

## Kin Score — 20.4 / 100 (emerging)

Scored 2026-08-25 under rubric 0.14.0. Trend: flat (+0.0 from 20.4).

| Facet | Score |
|---|---|
| Discoverability | 57.4 |
| Contract Quality | 0.0 |
| Governance | 18.2 |
| Contract Governance | 18.2 |
| Operational Transparency | 5.3 |
| Developer Ergonomics | 7.1 |
| Commercial Clarity | 52.6 |
| Access Clarity | 52.6 |

Regulatory layer — **Banking & Open Finance**: 30.4 (matched via tags).

## Agent readiness — 2.5 (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 | documented |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |
| Delegated Identity | no |
| Protected Resource Metadata | no |
| Dynamic Client Registration | no |
| Agentic Commerce | no |

## Security (1)

- **Kapital Domain Security** — TLSv1.3 · DMARC

## Plans (1)

- **Kapital Plans Pricing**

## Tags

Banking, Financial Services, FinTech, Small and Medium Businesses, Payments, Foreign Exchange, Lending, Treasury, Artificial Intelligence, Mexico, Latin America

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