# Kema

**Canonical:** https://apis.io/providers/kema/  
**Website:** https://kema.co  
**APIs profiled:** 0

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.

## Kin Score — 6.0 / 100 (minimal)

Scored 2026-08-21 under rubric 0.12.0. Trend: flat (+0.0 from 6.0).

| Facet | Score |
|---|---|
| Discoverability | 50.0 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 7.1 |
| Commercial Clarity | 10.5 |
| Access Clarity | 10.5 |

Regulatory layer — **Payments**: 15.6 (matched via tags).

## 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)

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

## Tags

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

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