# Monedo

**Canonical:** https://apis.io/providers/kreditech/  
**APIs profiled:** 0

Monedo, founded in Hamburg in 2012 as Kreditech and renamed Monedo in March 2020, was a German online consumer lender that underwrote short-term and installment credit in Poland, Spain, Russia, Romania, India and Mexico using a self-learning machine-learning scoring engine over thousands of alternative data points instead of traditional bureau scores. Backed by Peter Thiel, J.C. Flowers and Naspers, it was valued above EUR 230m in 2017. It marketed a business-facing Lending-as-a-Service / Credit-as-a-Service partner API that let retailers, telcos, banks and payment providers embed its credit products and point-of-sale financing, but that surface was sales-gated for its whole life: the company never operated a public developer portal, never published a reference, and never published a machine-readable contract. Monedo filed for insolvency in a Hamburg court in September 2020 and ceased operations in December 2020. Both monedo.com and kreditech.com lapsed and were re-registered by unrelated parties in 2022 - monedo.com is now a GoDaddy aftermarket listing offered for sale - so no company-controlled web or API surface remains.

## Kin Score — 5.7 / 100 (minimal)

Scored 2026-08-25 under rubric 0.14.0. Trend: flat (+0.0 from 5.7).

| Facet | Score |
|---|---|
| Discoverability | 50.0 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 5.3 |
| Developer Ergonomics | 0.0 |
| Commercial Clarity | 0.0 |
| Access Clarity | 0.0 |

## 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 |
| Delegated Identity | no |
| Protected Resource Metadata | no |
| Dynamic Client Registration | no |
| Agentic Commerce | no |

## Tags

Company, Defunct, Financial-Services, Fintech, Lending, Consumer Credit, Credit Scoring, Machine Learning, Point of Sale Financing, Germany

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