# KreditBee

**Canonical:** https://apis.io/providers/kreditbee/  
**Website:** https://www.kreditbee.in/  
**APIs profiled:** 0

KreditBee is a Bengaluru, India digital lending platform founded in 2017 by Madhusudan Ekambaram, Vivek Veda and Karthikeyan Krishnaswamy, operated by Finnovation Tech Solutions Private Limited (CIN U74900KA2016PTC086953) and lending through its in-house RBI-registered NBFC KrazyBee Services Limited alongside partner banks and NBFCs. Its consumer products are instant personal loans from Rs 6,000 to Rs 10 lakh, business loans up to Rs 1 crore, two-wheeler loans up to Rs 5 lakh, loan against property, a flexi personal loan line, 24K digital gold, and free credit score reports, delivered through an Android and iOS app and a single-page web application that the company says serves over 7 crore registered Indian users. KreditBee publishes no public developer portal, no API documentation, no API reference, no SDKs and no machine-readable API description of any kind. Its only API host, api.kreditbee.in, is an AWS API Gateway behind Cloudflare that answers HTTP 403 ForbiddenException to every anonymous request and exists to serve the company's own mobile and web clients. Partner and lending-partner integrations are transacted through the /partner-with-us and /digital-lending-partners business pages rather than through any self-serve technical surface.

## Kin Score — 10.1 / 100 (minimal)

Scored 2026-08-19 under rubric 0.12.0. Trend: falling (-6.0 from 16.1).

| Facet | Score |
|---|---|
| Discoverability | 57.4 |
| Contract Quality | 0.0 |
| Governance | 18.2 |
| Contract Governance | 18.2 |
| Operational Transparency | 2.6 |
| Developer Ergonomics | 2.4 |
| Commercial Clarity | 6.6 |
| Access Clarity | 6.6 |

## 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 |

## Security (1)

- **Kreditbee Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Company, Financial Services, Fintech, Lending, Digital Lending, Personal Loans, Consumer Credit, NBFC, Credit Score, India, Mobile

---

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