# Klaim

**Canonical:** https://apis.io/providers/klaim/  
**Website:** https://klaim.ai/  
**APIs profiled:** 0

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.

## Kin Score — 9.1 / 100 (minimal)

Scored 2026-08-21 under rubric 0.12.0. Trend: flat (+0.0 from 9.1).

| Facet | Score |
|---|---|
| Discoverability | 57.4 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 0.0 |
| Commercial Clarity | 21.1 |
| Access Clarity | 21.1 |

Regulatory layer — **Insurance**: 21.2 (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)

- **Klaim Domain Security** — TLSv1.3 · DNSSEC · DMARC

## Tags

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

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