kokofinance-net

Koko Finance provides a credit card intelligence platform offering portfolio analysis, recommendations, renewal value assessment, merchant-level advice, and detailed card term extraction (APR, penalties) with change tracking over time. The service is available via a REST API and an MCP server, with tiered evaluation options and the ability to ship card intelligence in a day.

kokofinance-net publishes 8 API contracts indexed on the APIs.io network, including Billing API, Cards API, Developers API, and 5 more. Tagged areas include Company, Fintech, Credit-Card, API, and MCP.

The kokofinance-net catalog on APIs.io includes 1 JSON-LD context and 1 Spectral governance ruleset.

kokofinance-net’s developer surface includes authentication, documentation, API reference, getting-started guide, support, pricing, signup flow, and 22 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

63.1/100 strong Agent 54/100 agent ready Full breakdown ↓
scored 2026-10-31 · rubric v0.25.0 · Show this score on your site →

1 published contract 1 Agent Skills

Company FintechCredit-CardAPIMCP

Kin Score

Kin Score How this is scored →
scored 2026-10-31 · rubric v0.25.0

Composite quality — 63.1/100 · strong

Contract Quality 12.5 / 21

Developer Ergonomics 11.6 / 17

Access Clarity 12.4 / 17

Operational Transparency 2.7 / 11

Contract Governance 8.1 / 10

Discoverability 4.9 / 9

Regulatory Posture 4.7 / 15

Agent readiness — 54/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 0 / 6

MCP Server 12 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 0 / 6

Agent Skills 5 / 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 6 / 6

Protected Resource Metadata 5 / 5

Registration Without a Human 6 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

Regulatory Posture applies to this provider. Its tags matched the Payments 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):

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)
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link
Typed Event Surface +6 pts — AsyncAPI document, OR webhooks/callbacks objects in the as-published OpenAPI, OR common[].type includes Webhooks
Documented Reversibility +6 pts — a reversal operation in the contract, graded up when a window is documented too
Agentic Commerce Well-Known Document +5 pts — a parsing /.well-known/ucp.json or acp.json declaring a version and at least one service — `self` when its endpoints are on the provider's own domain, `platform` when they are on a vendor's

3 more unmet checks in the Agent Readiness table above.

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

Contract Quality scores 58.6 — up to +10.4 composite points
Operational Transparency scores 24.2 — up to +9.9 composite points
Developer Ergonomics scores 68.3 — up to +6.3 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/kokofinance-net/apis.yml: open an issue on github.com/api-evangelist/kokofinance-net 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 →

APIs 8

Individual APIs this provider publishes, each with its own machine-readable definition.

kokofinance-net Billing API

Stripe billing — checkout sessions and customer portal.

kokofinance-net Cards API

Credit card catalog — browse, search, and get detailed card information with structured fields.

kokofinance-net Developers API

Developer account management — dashboard, API keys, organization settings.

kokofinance-net Intelligence API

Computational endpoints — compare cards, get recommendations, calculate value, renewal analysis, merchant optimization.

kokofinance-net International API

The International API from kokofinance-net — 4 operation(s) for international.

kokofinance-net Platform API

System health, API status, and usage tracking.

kokofinance-net Portfolio API

User portfolio management — analyze your cards, manage point balances, get redemption strategies.

kokofinance-net Reference API

Static reference data — points programs, benefit categories, program valuations.

Scroll for all 8

Agent Skills 1

Packaged agent skills for driving this provider's APIs from an AI assistant.

kokofinance-net-intelligence

AGENT SKILL

Pricing Plans 1

Published pricing tiers and plan structures.

Kokofinance Net Plans Pricing

3 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Kokofinance Net Rate Limits

2 limits

RATE LIMITS

Semantic Vocabularies 1

JSON-LD contexts and semantic vocabularies used across these APIs.

Kokofinance Net Context

41 classes · 102 properties

JSON-LD

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

kokofinance-net API Rules

12 rules · 9 errors 2 warnings 1 info

SPECTRAL

OpenAPI Overlays 1

Overlays applied on top of this provider's contracts. Each card says who wrote it: a document the provider publishes, or one API Evangelist derived or generated.

Kokofinance Net Openapi Overlay

0 actions · update

UNRECORDED

JSON Schema 6

Standalone JSON Schema definitions for this provider's data models.

V1CardSearchRequest

6 properties

JSON SCHEMA

V1CardValueRequest

7 properties

JSON SCHEMA

V1PlaybookRequest

3 properties

JSON SCHEMA

V1PortfolioAnalyzeRequest

3 properties

JSON SCHEMA

V1RecommendRequest

4 properties

JSON SCHEMA

V1RenewalCheckRequest

7 properties

JSON SCHEMA

Security Posture 2

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

Kokofinance Net Authentication

apiKey · 1 scheme

SECURITY

Kokofinance Net Domain Security

TLSv1.3

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Kokofinance Net Scopes

OAuth 2.0 · no documented scopes

0 scopes

SCOPES

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Kokofinance Net Agentic Access

39 operations · 20 acting

AGENTIC

Resources

Get Started 3

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

GettingStarted

GettingStarted

SignUp

SignUp

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 3

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgenticAccess

AgentSkill

AgentSkill

WellKnown

WellKnown

Design & Contract 8

Pagination, idempotency, versioning, errors, and events

Spectral

JSONLD

Vocabulary

DataModel

Conventions

Lifecycle

ErrorCatalog

Conformance

Scroll for all 8

Build 3

SDKs, sample code, and the tooling you integrate with

SDKs

SDKs

Packages

Packages

GitHubOrganization

GitHubOrganization

Access & Security 2

Authentication, authorization, and security posture

Authentication

Authentication

DomainSecurity

DomainSecurity

Operate 2

Status, limits, changes, and where to get help

RateLimits

RateLimits

Support

Support

Commercial 4

Pricing, plans, and the legal terms of use

Plans

Pricing

TermsOfService

PrivacyPolicy

Company 1

The organization behind the API

Website

Website

Other 1

Properties that don't map to a standard resource type

Hosts

Hosts

Source (apis.yml)

aid: kokofinance-net
name: kokofinance-net
image: https://kokofinance.net/images/koko-og-image.png
description: Koko Finance provides a credit card intelligence platform offering portfolio analysis, recommendations, renewal
  value assessment, merchant-level advice, and detailed card term extraction (APR, penalties) with change tracking over time.
  The service is available via a REST API and an MCP server, with tiered evaluation options and the ability to ship card intelligence
  in a day.
url: https://artifacts.apis.io/kokofinance-net/apis.yml
x-type: company
x-source: harvest:mcp-registry
x-tier: profiled
x-tier-reason: enrichment pass 2026-10-30 (modular-v1; was harvest)
specificationVersion: '0.20'
created: '2026-10-30'
modified: '2026-10-30'
tags:
- Company
- Fintech
- Credit-Card
- API
- MCP
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: AgenticAccess
  url: agentic-access/kokofinance-net-agentic-access.yml
- type: RateLimits
  url: rate-limits/kokofinance-net-rate-limits.yml
- type: Plans
  url: plans/kokofinance-net-plans-pricing.yml
- type: Spectral
  url: rules/kokofinance-net-rules.yml
- type: JSONLD
  url: json-ld/kokofinance-net-context.jsonld
- type: Vocabulary
  url: vocabulary/kokofinance-net-vocabulary.yml
- type: AgentSkill
  url: skills/_index.yml
- type: DataModel
  url: data-model/kokofinance-net-data-model.yml
- type: Conventions
  url: conventions/kokofinance-net-conventions.yml
- type: Lifecycle
  url: lifecycle/kokofinance-net-lifecycle.yml
- type: ErrorCatalog
  url: errors/kokofinance-net-problem-types.yml
- type: Conformance
  url: conformance/kokofinance-net-conformance.yml
- type: WellKnown
  url: well-known/kokofinance-net-well-known.yml
- type: Hosts
  url: hosts/kokofinance-net-hosts.yml
- type: SDKs
  url: packages/kokofinance-net-packages.yml
- type: Packages
  url: packages/kokofinance-net-packages.yml
- type: Authentication
  url: authentication/kokofinance-net-authentication.yml
- type: DomainSecurity
  url: security/kokofinance-net-domain-security.yml
- type: Website
  url: https://kokofinance.net/
  image: https://kokofinance.net/images/koko-og-image.png
- type: DeveloperPortal
  url: https://kokofinance.net/dashboard.html
- type: Documentation
  url: https://kokofinance.net/developers.html
- type: APIReference
  url: https://kokofinance.net/docs/rest-api.html
- type: GettingStarted
  url: https://kokofinance.net/developers.html
- type: Support
  url: https://kokofinance.net/contact.html
- type: Pricing
  url: https://kokofinance.net/pricing.html
- type: SignUp
  url: https://kokofinance.net/dashboard.html
- type: TermsOfService
  url: https://kokofinance.net/terms.html
- type: PrivacyPolicy
  url: https://kokofinance.net/privacy.html
- type: GitHubOrganization
  url: https://github.com/KokoFinance
apis:
- aid: kokofinance-net:kokofinance-net-billing-api
  name: kokofinance-net Billing API
  description: Stripe billing — checkout sessions and customer portal.
  humanURL: https://kokofinance.net/api/v1/docs
  tags:
  - Billing
  properties:
  - type: OpenAPI
    url: openapi/kokofinance-net-billing-api-openapi.yml
  - type: JSONSchema
    url: json-schema/kokofinance-net-v1-renewal-check-request-schema.json
  - type: JSONSchema
    url: json-schema/kokofinance-net-v1-card-value-request-schema.json
  - type: JSONSchema
    url: json-schema/kokofinance-net-v1-card-search-request-schema.json
  - type: JSONSchema
    url: json-schema/kokofinance-net-v1-portfolio-analyze-request-schema.json
  - type: JSONSchema
    url: json-schema/kokofinance-net-v1-playbook-request-schema.json
  - type: JSONSchema
    url: json-schema/kokofinance-net-v1-recommend-request-schema.json
- aid: kokofinance-net:kokofinance-net-cards-api
  name: kokofinance-net Cards API
  description: Credit card catalog — browse, search, and get detailed card information with structured fields.
  humanURL: https://kokofinance.net/api/v1/docs
  tags:
  - Cards
  properties:
  - type: OpenAPI
    url: openapi/kokofinance-net-cards-api-openapi.yml
  - type: JSONSchema
    url: json-schema/kokofinance-net-v1-renewal-check-request-schema.json
  - type: JSONSchema
    url: json-schema/kokofinance-net-v1-card-value-request-schema.json
  - type: JSONSchema
    url: json-schema/kokofinance-net-v1-card-search-request-schema.json
  - type: JSONSchema
    url: json-schema/kokofinance-net-v1-portfolio-analyze-request-schema.json
  - type: JSONSchema
    url: json-schema/kokofinance-net-v1-playbook-request-schema.json
  - type: JSONSchema
    url: json-schema/kokofinance-net-v1-recommend-request-schema.json
- aid: kokofinance-net:kokofinance-net-developers-api
  name: kokofinance-net Developers API
  description: Developer account management — dashboard, API keys, organization settings.
  humanURL: https://kokofinance.net/api/v1/docs
  tags:
  - Developers
  properties:
  - type: OpenAPI
    url: openapi/kokofinance-net-developers-api-openapi.yml
  - type: JSONSchema
    url: json-schema/kokofinance-net-v1-renewal-check-request-schema.json
  - type: JSONSchema
    url: json-schema/kokofinance-net-v1-card-value-request-schema.json
  - type: JSONSchema
    url: json-schema/kokofinance-net-v1-card-search-request-schema.json
  - type: JSONSchema
    url: json-schema/kokofinance-net-v1-portfolio-analyze-request-schema.json
  - type: JSONSchema
    url: json-schema/kokofinance-net-v1-playbook-request-schema.json
  - type: JSONSchema
    url: json-schema/kokofinance-net-v1-recommend-request-schema.json
- aid: kokofinance-net:kokofinance-net-intelligence-api
  name: kokofinance-net Intelligence API
  description: Computational endpoints — compare cards, get recommendations, calculate value, renewal analysis, merchant optimization.
  humanURL: https://kokofinance.net/api/v1/docs
  tags:
  - Intelligence
  properties:
  - type: OpenAPI
    url: openapi/kokofinance-net-intelligence-api-openapi.yml
  - type: JSONSchema
    url: json-schema/kokofinance-net-v1-renewal-check-request-schema.json
  - type: JSONSchema
    url: json-schema/kokofinance-net-v1-card-value-request-schema.json
  - type: JSONSchema
    url: json-schema/kokofinance-net-v1-card-search-request-schema.json
  - type: JSONSchema
    url: json-schema/kokofinance-net-v1-portfolio-analyze-request-schema.json
  - type: JSONSchema
    url: json-schema/kokofinance-net-v1-playbook-request-schema.json
  - type: JSONSchema
    url: json-schema/kokofinance-net-v1-recommend-request-schema.json
- aid: kokofinance-net:kokofinance-net-international-api
  name: kokofinance-net International API
  description: The International API from kokofinance-net — 4 operation(s) for international.
  humanURL: https://kokofinance.net/api/v1/docs
  tags:
  - International
  properties:
  - type: OpenAPI
    url: openapi/kokofinance-net-international-api-openapi.yml
  - type: JSONSchema
    url: json-schema/kokofinance-net-v1-renewal-check-request-schema.json
  - type: JSONSchema
    url: json-schema/kokofinance-net-v1-card-value-request-schema.json
  - type: JSONSchema
    url: json-schema/kokofinance-net-v1-card-search-request-schema.json
  - type: JSONSchema
    url: json-schema/kokofinance-net-v1-portfolio-analyze-request-schema.json
  - type: JSONSchema
    url: json-schema/kokofinance-net-v1-playbook-request-schema.json
  - type: JSONSchema
    url: json-schema/kokofinance-net-v1-recommend-request-schema.json
- aid: kokofinance-net:kokofinance-net-platform-api
  name: kokofinance-net Platform API
  description: System health, API status, and usage tracking.
  humanURL: https://kokofinance.net/api/v1/docs
  tags:
  - Platform
  properties:
  - type: OpenAPI
    url: openapi/kokofinance-net-platform-api-openapi.yml
  - type: JSONSchema
    url: json-schema/kokofinance-net-v1-renewal-check-request-schema.json
  - type: JSONSchema
    url: json-schema/kokofinance-net-v1-card-value-request-schema.json
  - type: JSONSchema
    url: json-schema/kokofinance-net-v1-card-search-request-schema.json
  - type: JSONSchema
    url: json-schema/kokofinance-net-v1-portfolio-analyze-request-schema.json
  - type: JSONSchema
    url: json-schema/kokofinance-net-v1-playbook-request-schema.json
  - type: JSONSchema
    url: json-schema/kokofinance-net-v1-recommend-request-schema.json
- aid: kokofinance-net:kokofinance-net-portfolio-api
  name: kokofinance-net Portfolio API
  description: User portfolio management — analyze your cards, manage point balances, get redemption strategies.
  humanURL: https://kokofinance.net/api/v1/docs
  tags:
  - Portfolio
  properties:
  - type: OpenAPI
    url: openapi/kokofinance-net-portfolio-api-openapi.yml
  - type: JSONSchema
    url: json-schema/kokofinance-net-v1-renewal-check-request-schema.json
  - type: JSONSchema
    url: json-schema/kokofinance-net-v1-card-value-request-schema.json
  - type: JSONSchema
    url: json-schema/kokofinance-net-v1-card-search-request-schema.json
  - type: JSONSchema
    url: json-schema/kokofinance-net-v1-portfolio-analyze-request-schema.json
  - type: JSONSchema
    url: json-schema/kokofinance-net-v1-playbook-request-schema.json
  - type: JSONSchema
    url: json-schema/kokofinance-net-v1-recommend-request-schema.json
- aid: kokofinance-net:kokofinance-net-reference-api
  name: kokofinance-net Reference API
  description: Static reference data — points programs, benefit categories, program valuations.
  humanURL: https://kokofinance.net/api/v1/docs
  tags:
  - Reference
  properties:
  - type: OpenAPI
    url: openapi/kokofinance-net-reference-api-openapi.yml
  - type: JSONSchema
    url: json-schema/kokofinance-net-v1-renewal-check-request-schema.json
  - type: JSONSchema
    url: json-schema/kokofinance-net-v1-card-value-request-schema.json
  - type: JSONSchema
    url: json-schema/kokofinance-net-v1-card-search-request-schema.json
  - type: JSONSchema
    url: json-schema/kokofinance-net-v1-portfolio-analyze-request-schema.json
  - type: JSONSchema
    url: json-schema/kokofinance-net-v1-playbook-request-schema.json
  - type: JSONSchema
    url: json-schema/kokofinance-net-v1-recommend-request-schema.json
x-enrichment:
  date: '2026-10-30'
  status: enriched
  artifacts_added: 39
  pass: modular-v1
  engine: identity=oss,contract=oss,surfaces=oss,docs=oss,regulatory=oss

kokofinance-net API — frequently asked questions

Does kokofinance-net have an API?

Yes. APIs.io lists 8 APIs from kokofinance-net, including kokofinance-net Billing API, kokofinance-net Cards API and kokofinance-net Developers API, and 5 more.

Is there an OpenAPI specification for the kokofinance-net API?

Yes. APIs.io indexes 8 OpenAPI specifications for kokofinance-net, each linked for download from this page.

How do I authenticate with the kokofinance-net API?

kokofinance-net documents its authentication (apiKey · 1 scheme). The details are profiled on APIs.io as Kokofinance Net Authentication.

How much does the kokofinance-net API cost?

APIs.io lists 3 pricing plans for kokofinance-net, with each plan's price, limits and inclusions under Pricing Plans on this page.

Is the kokofinance-net API ready for AI agents?

kokofinance-net has a Kin Score of 63.1 out of 100 (strong) and an Agent Readiness score of 53.7 (agent-ready), scored by API Evangelist on 2026-10-31.

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