Kikoff

Kikoff is a San Francisco-based consumer fintech, founded in 2019, that helps people build and repair credit. Its products include a Credit Account that furnishes tradelines to all three bureaus (Equifax, Experian, TransUnion), rent and bill reporting, credit monitoring and disputes, an AI Debt Negotiator, the Fynn AI credit coach, and an invite-only secured credit card, sold across Basic, Premium, and Ultimate subscription tiers. Kikoff Enterprise exposes a unified REST API covering member enrollment, tradeline furnishing, and dispute status so businesses can embed credit-building infrastructure. Backed by GGV Capital and Lightspeed Venture Partners.

Kikoff publishes 1 API on the APIs.io network. Tagged areas include Company, Fintech, Credit, Credit Building, and Credit Reporting.

Kikoff’s developer surface includes engineering blog, pricing, support, getting-started guide, signup flow, and 12 more developer resources.

🌐 Visit website 📡 Source on GitHub

24.9/100 emerging ▬ flat Agent 0/100 human only saas Full breakdown ↓
scored 2026-08-30 · rubric v0.17.2

AccessApproval

1 APIs

Company Fintech Credit Credit Building Credit Reporting Consumer Finance Personal Finance Lending

Kin Score

Kin Score How this is scored →
scored 2026-08-30 · rubric v0.17.2

Composite quality — 24.9/100 · emerging

Contract Quality 0.0 / 25

Developer Ergonomics 5.7 / 20

Access Clarity 8.9 / 20

Operational Transparency 3.4 / 13

Contract Governance 0.0 / 12

Discoverability 6.9 / 10

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 Surface 0 / 5

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

APIs 1

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

Get Started 3

Portal, sign-up, and the first successful call

GettingStarted

GettingStarted

SignUp

SignUp

Login

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

WellKnown

WellKnown

Design & Contract 1

Pagination, idempotency, versioning, errors, and events

Lifecycle

Lifecycle

Access & Security 4

Authentication, authorization, and security posture

VulnerabilityDisclosure

VulnerabilityDisclosure

Security

Security

DomainSecurity

DomainSecurity

SecurityTxt

SecurityTxt

Operate 3

Status, limits, changes, and where to get help

StatusPage

StatusPage

HelpCenter

HelpCenter

Support

Support

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: kikoff
name: Kikoff
description: Kikoff is a San Francisco-based consumer fintech, founded in 2019, that helps people build and repair credit.
  Its products include a Credit Account that furnishes tradelines to all three bureaus (Equifax, Experian, TransUnion), rent
  and bill reporting, credit monitoring and disputes, an AI Debt Negotiator, the Fynn AI credit coach, and an invite-only
  secured credit card, sold across Basic, Premium, and Ultimate subscription tiers. Kikoff Enterprise exposes a unified REST
  API covering member enrollment, tradeline furnishing, and dispute status so businesses can embed credit-building infrastructure.
  Backed by GGV Capital and Lightspeed Venture Partners.
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: approval
  trial: false
  try_now: false
  public: false
  label: Requires approval
  confidence: medium
  source: []
  generated: '2026-07-22'
  method: derived
image: https://cdn.prod.website-files.com/6917adb812aab3b38f8a8547/69f8d983cdfd88f45bb3d46b_kikoff_website%20preview%20(1).png
url: https://raw.githubusercontent.com/api-evangelist/kikoff/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- ggv-capital
- lightspeed-venture-partners
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-19'
tags:
- Company
- Fintech
- Credit
- Credit Building
- Credit Reporting
- Consumer Finance
- Personal Finance
- Lending
apis:
- name: Kikoff Enterprise API
  description: Unified REST API for embedding credit-building infrastructure, covering member enrollment, tradeline furnishing
    to the credit bureaus, and dispute status. Access is gated behind a demo/onboarding process; no public OpenAPI or developer
    reference is published.
  humanURL: https://kikoffenterprise.com/
  baseURL: https://sandbox.enterprise.kikoff.com/v1
  tags:
  - Credit
  - Fintech
  - Furnishing
  properties:
  - type: DeveloperPortal
    url: https://kikoffenterprise.com/
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: VulnerabilityDisclosure
  url: security/kikoff-vulnerability-disclosure.yml
- type: Security
  url: https://kikoff.com/vulnerability-disclosure-policy.pdf
- type: DomainSecurity
  url: security/kikoff-domain-security.yml
- type: SecurityTxt
  url: well-known/kikoff-security.txt
- type: WellKnown
  url: well-known/kikoff-well-known.yml
- type: Lifecycle
  url: lifecycle/kikoff-lifecycle.yml
- type: StatusPage
  url: https://status.kikoff.com
- type: Website
  url: https://kikoff.com/
- type: Blog
  url: https://blog.kikoff.com/
- type: Pricing
  url: https://kikoff.com/pricing
- type: HelpCenter
  url: https://kikoff.com/frequently-asked-questions
- type: Support
  url: https://kikoff.com/contact-us
- type: GettingStarted
  url: https://kikoff.com/how-kikoff-works
- type: SignUp
  url: https://kikoff.com/signup
- type: Login
  url: https://kikoff.com/login
- type: TermsOfService
  url: https://kikoff.com/terms.pdf
- type: PrivacyPolicy
  url: https://kikoff.com/privacy-policy.pdf
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence

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/kikoff"

All providers

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

Every operation they expose

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

How their score was established

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

Discovery needs no key. Ratings and market analysis are Pro.

Get an API key

Free tier, no email required.

GitHub Google LinkedIn

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