Klaim

Klaim (Klaim Kapital Technologies Limited / Klaim Holdings Limited) is an Abu Dhabi-founded, UAE-based healthcare fintech that advances working capital against receivables. Healthcare providers, real estate brokers and SMEs submit unpaid insurance claims or invoices, Klaim's AI evaluates and prices the risk in real time, and Klaim advances up to 90% of face value within 24 hours, collecting only when the payer or client settles. Products span Klaim Health (insurance claim advances plus AI denial prediction), Klaim Flow (SME receivables purchasing with an escrow model), Klaim Estate (real estate commission advances) and Klaim Eligible (insurance eligibility verification). Founded in December 2019 by Karim Dakki and Ahmad Ghafour, backed by Techstars, and operating across the GCC, North Africa and Turkey. Klaim publishes no public developer portal, API documentation or machine-readable API description at this time.

Klaim is profiled on the APIs.io network. Tagged areas include Company, Financial Services, Fintech, Healthcare, and Insurance.

🌐 Visit website 📡 Source on GitHub

13.9/100 minimal ▬ flat Agent 0/100 human only Full breakdown ↓
scored 2026-07-27 · rubric v0.5

0 APIs

CompanyFinancial ServicesFintechHealthcareInsuranceClaimsInvoice FinancingWorking CapitalReceivablesEmbedded FinanceReal EstateUnited Arab Emirates

Kin Score

Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5

Composite quality — 13.9/100 · minimal

Contract Quality 0.0 / 25

Developer Ergonomics 0.0 / 20

Commercial Clarity 4.2 / 20

Operational Transparency 0.0 / 13

Governance 0.0 / 12

Discoverability 6.8 / 10

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 15

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

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

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 2

The organization behind the API

Website

Website

LinkedIn

Source (apis.yml)

aid: klaim
name: Klaim
description: Klaim (Klaim Kapital Technologies Limited / Klaim Holdings Limited) is an Abu Dhabi-founded, UAE-based healthcare
  fintech that advances working capital against receivables. Healthcare providers, real estate brokers and SMEs submit unpaid
  insurance claims or invoices, Klaim's AI evaluates and prices the risk in real time, and Klaim advances up to 90% of face
  value within 24 hours, collecting only when the payer or client settles. Products span Klaim Health (insurance claim advances
  plus AI denial prediction), Klaim Flow (SME receivables purchasing with an escrow model), Klaim Estate (real estate commission
  advances) and Klaim Eligible (insurance eligibility verification). Founded in December 2019 by Karim Dakki and Ahmad Ghafour,
  backed by Techstars, and operating across the GCC, North Africa and Turkey. Klaim publishes no public developer portal,
  API documentation or machine-readable API description at this time.
url: https://raw.githubusercontent.com/api-evangelist/klaim/refs/heads/main/apis.yml
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://klaim.ai/logo-dark.svg
x-type: company
x-source: vc-portfolio
x-backed-by:
- techstars
x-tier: profile
x-tier-reason: enriched-no-public-api
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-19'
tags:
- Company
- Financial Services
- Fintech
- Healthcare
- Insurance
- Claims
- Invoice Financing
- Working Capital
- Receivables
- Embedded Finance
- Real Estate
- United Arab Emirates
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://klaim.ai/
- type: TermsOfService
  url: https://klaim.ai/terms/uae
- type: PrivacyPolicy
  url: https://klaim.ai/privacy/uae
- type: LinkedIn
  url: https://linkedin.com/company/klaim-ai/
- type: DomainSecurity
  url: security/klaim-domain-security.yml
- type: LLMsTxt
  url: llms/klaim-llms.txt
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence