# Koin

**Canonical:** https://apis.io/providers/koin/  
**Website:** https://www.koin.com.br/  
**APIs profiled:** 16

Koin is a Brazilian payments and fraud-prevention provider operating across Latin America, offering merchants a single private-key API for BNPL ("Pix Parcelado" / installment payments without a card), instant Pix, card payments with anti-fraud, crypto and Pix payouts, refunds, cancellations and account-validation. Its Antifraud API scores e-commerce, wire-transfer and account-takeover events with device fingerprinting, 3-D Secure and strategy-based recovery, while an Onboarding API registers merchants. Koin publishes a ReadMe-hosted developer portal with OpenAPI 3 contracts, first-party Magento 2, WooCommerce, VTEX, Shopify, Wake, Nuvemshop and Tiendanube plugins, and iOS/Android checkout SDKs. Founded in Brazil and backed by Speedinvest (2018), Koin was acquired by Despegar in 2020.

## Kin Score — 53.6 / 100 (developing)

Scored 2026-08-17 under rubric 0.11.0. Trend: flat (+0.0 from 53.6).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 67.9 |
| Governance | 11.5 |
| Operational Transparency | 44.7 |
| Developer Ergonomics | 69.0 |
| Commercial Clarity | 44.7 |

Regulatory layer — **Payments**: 45.3 (matched via tags).

## Agent readiness — 52.0 (agent-native)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | no |
| MCP Server | derived |
| Auth Clarity | yes |
| Idempotency | documented |
| Error Semantics | verified |
| OpenAPI Examples | verified |
| Rate Limit Signal | no |
| Event Surface Described | yes |
| Agent Skills | derived |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: medium).

## APIs (16)

- **Koin Access API** — The Access API from Koin — 1 operation(s) for access.
- **Koin Account Take Over Services API** — The Account Take Over Services API from Koin — 2 operation(s) for account take over services.
- **Koin Availability Services API** — The Availability Services API from Koin — 1 operation(s) for availability services.
- **Koin Communication Services API** — The Communication Services API from Koin — 1 operation(s) for communication services.
- **Koin Ecommerce API** — The Ecommerce API from Koin — 2 operation(s) for ecommerce.
- **Koin Notification Services Sales API** — The Notification Services Sales API from Koin — 1 operation(s) for notification services sales.
- **Koin Onboarding Services API** — Onboarding Service
- **Koin Payment Service Provider API** — The Payment Service Provider API from Koin — 1 operation(s) for payment service provider.
- **Koin Payment Services API** — The Payment Services API from Koin — 5 operation(s) for payment services.
- **Koin PaymentRequest API** — The PaymentRequest API from Koin — 2 operation(s) for paymentrequest.
- **Koin Payout Services API** — The Payout Services API from Koin — 4 operation(s) for payout services.
- **Koin Recipient Services Account API** — The Recipient Services Account API from Koin — 1 operation(s) for recipient services account.
- **Koin Refund Services API** — The Refund Services API from Koin — 2 operation(s) for refund services.
- **Koin Support Services API** — The Support Services API from Koin — 3 operation(s) for support services.
- **Koin Tokenize Services API** — The Tokenize Services API from Koin — 1 operation(s) for tokenize services.
- **Koin WireTransfer API** — The WireTransfer API from Koin — 1 operation(s) for wiretransfer.

## MCP servers (1)

- **koin-mcp.yml**

## Security (2)

- **Koin Authentication** — apiKey · 2 schemes
- **Koin Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Payments, Fraud Prevention, Buy Now Pay Later, Pix, E-Commerce, Financial Services, Brazil, Latin America, Anti-Fraud, Checkout, Company

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