Kema

Kema (Kema FZ-LLC) is a UAE-based B2B fintech providing cash-flow and accounts-receivable tools for SMEs across the MENA region. Its platform combines invoice financing that advances up to 95% of invoice value, accounts-receivable automation with automated reminders, invoice tracking and reconciliation, and branded payment links delivered over email, WhatsApp and SMS that accept cards and wire transfers. Additional capabilities include practice-management tooling for accounting firms, recurring-payment automation, credit assessment and a real-time AR dashboard and analytics. Kema is backed by Speedinvest and reports 4,000+ companies transacting on its network.

Kema is profiled on the APIs.io network. Tagged areas include Company, Fintech, Payments, Invoice Financing, and Accounts Receivable.

Kema’s developer surface includes engineering blog, support, signup flow, and 4 more developer resources.

🌐 Visit website 📡 Source on GitHub

6.0/100 minimal ▬ flat Agent 0/100 human only Full breakdown ↓
scored 2026-08-21 · rubric v0.12.0

0 APIs

Company Fintech Payments Invoice Financing Accounts Receivable B2B Payments Cash Flow Working Capital Payment Links MENA SME

Kin Score

Kin Score How this is scored →
scored 2026-08-21 · rubric v0.12.0

Composite quality — 6.0/100 · minimal

Contract Quality 0.0 / 21

Developer Ergonomics 1.2 / 17

Access Clarity 1.8 / 17

Operational Transparency 0.0 / 11

Contract Governance 0.0 / 10

Discoverability 4.3 / 9

Regulatory Posture 2.3 / 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

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.

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/.

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/kema: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

Get Started 2

Portal, sign-up, and the first successful call

SignUp

SignUp

Login

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 1

Pricing, plans, and the legal terms of use

PrivacyPolicy

PrivacyPolicy

Company 2

The organization behind the API

Website

Website

Blog

Blog

Source (apis.yml)

aid: kema
name: Kema
description: Kema (Kema FZ-LLC) is a UAE-based B2B fintech providing cash-flow and accounts-receivable tools for SMEs across
  the MENA region. Its platform combines invoice financing that advances up to 95% of invoice value, accounts-receivable automation
  with automated reminders, invoice tracking and reconciliation, and branded payment links delivered over email, WhatsApp
  and SMS that accept cards and wire transfers. Additional capabilities include practice-management tooling for accounting
  firms, recurring-payment automation, credit assessment and a real-time AR dashboard and analytics. Kema is backed by Speedinvest
  and reports 4,000+ companies transacting on its network.
url: https://raw.githubusercontent.com/api-evangelist/kema/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- speedinvest
x-tier: profile
x-tier-reason: identity-enriched
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source: []
  generated: '2026-07-22'
  method: derived
image: https://cdn.prod.website-files.com/6746e9ebf538fac12100cc2a/67c59b0faab3a27ca338f18f_webclip.png
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-19'
tags:
- Company
- Fintech
- Payments
- Invoice Financing
- Accounts Receivable
- B2B Payments
- Cash Flow
- Working Capital
- Payment Links
- MENA
- SME
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: DomainSecurity
  url: security/kema-domain-security.yml
- type: Website
  url: https://kema.co
- type: Blog
  url: https://kema.co/resources/blog
- type: Support
  url: https://kema.co/contact-us
- type: SignUp
  url: https://app.kema.co
- type: Login
  url: https://app.kema.co
- type: PrivacyPolicy
  url: https://kema.co/privacy-policy
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence

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