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

9.1/100 minimal ▬ flat Agent 0/100 human only saas Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0

0 APIs

Company Financial-Services Fintech Healthcare Insurance Claims Invoice Financing Working Capital Receivables Embedded Finance Real-Estate United Arab Emirates

Kin Score

Kin Score How this is scored →
scored 2026-09-08 · rubric v0.20.0

Composite quality — 9.1/100 · minimal

Contract Quality 0.0 / 21

Developer Ergonomics 0.0 / 17

Access Clarity 3.6 / 17

Operational Transparency 0.0 / 11

Contract Governance 0.0 / 10

Discoverability 4.9 / 9

Regulatory Posture 3.2 / 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

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Regulatory Posture applies to this provider. Its tags matched the Insurance 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.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

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/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. 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. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Security Posture 1

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Klaim Domain Security

TLSv1.3 · DNSSEC · DMARC

SECURITY

Resources

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
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: 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: '0.23'
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
tags_raw:
- 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

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