# Konfio

**Canonical:** https://apis.io/providers/konfio/  
**Website:** https://konfio.mx/  
**APIs profiled:** 0

Konfio is a leading Mexican fintech serving small and medium businesses (SMBs) with an all-in-one platform: working-capital and term loans (Konfio Creditos), a business credit card (Konfio Tarjeta), payment terminals and acceptance (Konfio Pagos / Sirvis), and SMB management tools. Underwriting is powered by a proprietary algorithm that combines alternative data and ML to score creditworthiness in minutes. Konfio's product surface is overwhelmingly direct-to-SMB and the company does not publish a self-service public developer portal. Partner integrations (e.g. PayPal Working Capital, Goldman Sachs / Gramercy capital facilities, marketplace lending) are negotiated bilaterally.

## Kin Score — 1.5 / 100 (minimal)

Scored 2026-08-21 under rubric 0.12.0. Trend: flat (+0.0 from 1.5).

| Facet | Score |
|---|---|
| Discoverability | 44.4 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 2.4 |
| Commercial Clarity | 0.0 |
| Access Clarity | 0.0 |

Regulatory layer — **Payments**: 9.4 (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)

- **Konfio Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC

## Tags

SMB Lending, Business Banking, Credit Cards, Payment Terminals, Fintech, Mexico, Latin America

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