Knight Fintech

Knight Fintech is a Mumbai-based banking technology company that sells digital lending infrastructure to Indian banks and NBFCs. It positions itself as "India's leading digital lending infrastructure platform", stating it powers 500+ financial institutions across co-lending, digital lending, treasury management, supply chain finance, embedded finance and credit line on UPI, alongside a Knight Aurix product line. The company describes its approach as cloud-first, API-driven middleware that integrates with legacy core banking systems without displacing them. It is enterprise sales-led: there is no public developer portal, no published API documentation, no SDKs and no self-service signup — evaluation runs through a scheduled demo.

Knight Fintech is profiled on the APIs.io network. Tagged areas include Company, Enterprise, Financial Services, Banking, and Lending.

Knight Fintech’s developer surface includes engineering blog, FAQ, and 14 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

6.2/100 minimal ▬ flat Agent 0/100 human only Front door AI 1/6 silent saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

AccessNo public API

0 APIs

Company Enterprise Financial Services Banking Lending Fintech Treasury Management Embedded Finance Supply Chain Finance India

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 6.2/100 · minimal

Contract Quality 0.0 / 21

Developer Ergonomics 0.0 / 17

Access Clarity 2.7 / 17

Operational Transparency 0.0 / 11

Contract Governance 0.0 / 10

Discoverability 4.1 / 9

Regulatory Posture 1.3 / 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

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Banking & Open Finance 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/.

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Agent readiness — checks not met, largest first (exact, from this profile):

Machine-Readable Contract +18 pts — api_specs includes an OpenAPI document
MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
Machine-Readable Auth +10 pts — a served openid-configuration/oauth-authorization-server carrying `issuer` (served), else the securitySchemes class in the provider OpenAPIs — bound (mutualTLS, DPoP, Signature) > negotiable (oauth2 authorizationCode/clientCredentials, openIdConnect) > bearer (http bearer, apiKey)
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes

13 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Contract Quality scores 0.0 — up to +25.0 composite points
Developer Ergonomics scores 0.0 — up to +20.0 composite points
Access Clarity scores 15.8 — up to +16.8 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

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 the provider profile at artifacts.apis.io/knight-fintech/apis.yml: open an issue on github.com/api-evangelist/knight-fintech to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
Consumer Lending Licensing (UK, US, Canada credit licence registers)	undeclared	-	-	-
India RBI Regulated Entities (payment system operators, payment aggregators, PPI issuers, NBFCs, AAs)	undeclared	-	-	-
India RBI / SEBI Registers (SEBI intermediaries, RBI NBFCs, payment aggregators, PPI issuers, AAs)	undeclared	-	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Security Posture 2

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

Knight Fintech Domain Security

TLSv1.3 · DMARC

SECURITY

Knight Fintech Trust Center

CMMI Maturity Level 5, ISO 9001:2015, ISO 27001:2013, SOC 2 Type II, GDPR and local data protection compliance

SECURITY

Resources

Get Started 1

Portal, sign-up, and the first successful call

Demo

Demo

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

WellKnown

WellKnown

Access & Security 3

Authentication, authorization, and security posture

Compliance

Compliance

TrustCenter

TrustCenter

DomainSecurity

DomainSecurity

Operate 2

Status, limits, changes, and where to get help

FAQ

FAQ

Contact

Contact

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 6

The organization behind the API

Website

Website

About

About

Blog

Blog

LinkedIn

Twitter

Twitter

Instagram

Instagram

Other 1

Properties that don't map to a standard resource type

Email

Source (apis.yml)

aid: knight-fintech
name: Knight Fintech
description: 'Knight Fintech is a Mumbai-based banking technology company that sells digital lending infrastructure to Indian
  banks and NBFCs. It positions itself as "India''s leading digital lending infrastructure platform", stating it powers 500+
  financial institutions across co-lending, digital lending, treasury management, supply chain finance, embedded finance and
  credit line on UPI, alongside a Knight Aurix product line. The company describes its approach as cloud-first, API-driven
  middleware that integrates with legacy core banking systems without displacing them. It is enterprise sales-led: there is
  no public developer portal, no published API documentation, no SDKs and no self-service signup — evaluation runs through
  a scheduled demo.'
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
  gated: private
  gated_source:
  - x-api-posture
  label: Unknown
  confidence: low
  source:
  - security
  generated: '2026-11-06'
  method: derived
image: https://knightfintech.com/assets/KnightFintechLogo-DHHZZVhG.svg
url: https://raw.githubusercontent.com/api-evangelist/knight-fintech/refs/heads/main/apis.yml
x-api-posture: no-product-api
x-api-posture-basis: observed
x-type: company
x-source: vc-portfolio
x-backed-by:
- accel
x-tier: stub
x-tier-reason: no-public-api-surface
x-enrichment-note: 'Enriched 2026-07-19. Knight Fintech publishes no public API artifacts: no developer or docs subdomain
  resolves, no OpenAPI/AsyncAPI/GraphQL spec, no llms.txt, no well-known documents, no packages on npm/PyPI/Maven/NuGet/RubyGems/crates.io,
  and no GitHub organization. The web host returns HTTP 200 with an identical SPA shell for every path, so path probes there
  are not evidence of existence (see well-known/knight-fintech-well-known.yml). The real findings this round were the company''s
  published certifications and its domain security posture.'
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-19'
tags:
- Company
- Enterprise
- Financial Services
- Banking
- Lending
- Fintech
- Treasury Management
- Embedded Finance
- Supply Chain Finance
- India
tags_raw:
- Company
- Enterprise
- Financial Services
- Banking
- Lending
- Fintech
- Treasury Management
- Embedded Finance
- Supply Chain Finance
- India
- Financial-Services
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://knightfintech.com/
- type: About
  url: https://knightfintech.com/about-us
- type: Blog
  url: https://knightfintech.com/knowledge-center
- type: FAQ
  url: https://knightfintech.com/faq
- type: Contact
  url: https://knightfintech.com/contact-us
- type: Demo
  url: https://knightfintech.com/schedule-a-demo
- type: TermsOfService
  url: https://knightfintech.com/terms-and-conditions
- type: PrivacyPolicy
  url: https://knightfintech.com/privacy-policy
- type: Compliance
  url: security/knight-fintech-trust-center.yml
- type: TrustCenter
  url: security/knight-fintech-trust-center.yml
- type: DomainSecurity
  url: security/knight-fintech-domain-security.yml
- type: WellKnown
  url: well-known/knight-fintech-well-known.yml
- type: LinkedIn
  url: https://www.linkedin.com/company/knightfintech
- type: Twitter
  url: https://x.com/knightfintech
- type: Instagram
  url: https://www.instagram.com/knightfintech/
- type: Email
  url: mailto:support@knightfintech.com
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence

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get_provider_toolsEvery MCP tool they ship, with the operation each wraps.
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