Kriya

Kriya (Kriya Finance Limited, London) is a UK B2B embedded-finance and working-capital provider that lets merchants offer trade credit to their business buyers. Its products span Embedded PayLater (B2B buy-now-pay-later terms at checkout), Invoice Finance, working capital loans, buyer authentication, offline payments and a Kriya-on-Stripe integration. Kriya publishes two partner-facing REST APIs — the Payments API for buyer registration, risk decisioning, order lifecycle and payment deductions, and the Onboarding API for automating company and KYC checks — alongside a hosted Payments Journey and Onboarding Journey web flow, HMAC-signed webhooks, a dedicated test environment with scenario simulators, and e-commerce plugins for BigCommerce, Magento, nopCommerce, PrestaShop and Salesforce. Kriya was acquired by Allica Bank in October 2025.

Kriya publishes 6 API contracts indexed on the APIs.io network, including Buyers API, Onboarding API, OnboardingJourney API, and 3 more. Tagged areas include Company, Fintech, Payments, Embedded Finance, and Buy Now Pay Later.

The Kriya catalog on APIs.io includes 1 event-driven AsyncAPI specification and 1 Spectral governance ruleset.

Kriya’s developer surface includes documentation, API reference, getting-started guide, support, engineering blog, authentication, sandbox, and 20 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

38.8/100 thin ▬ flat Agent 25/100 agent aware Front door AI 1/6 silent saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

2 published contracts 3 Agent Skills

Company Fintech Payments Embedded Finance Buy Now Pay Later B2B Payments Invoice Finance Lending Working Capital Onboarding KYC United Kingdom

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 38.8/100 · thin

Contract Quality 9.3 / 19

Developer Ergonomics 4.2 / 15

Access Clarity 4.1 / 15

Operational Transparency 1.8 / 10

Contract Governance 1.6 / 9

Discoverability 5.5 / 8

Regulatory Posture 4.2 / 15

Create-or-Update Ergonomics 2.8 / 10

Agent readiness — 25/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 6 / 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 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 0 / 5

Distinct Operations 0 / 3

MCP Tool Quality 6 / 6

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 applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% 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):

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
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
Rate-Limit Signaling +7 pts — OpenAPI responses document X-RateLimit-* / RateLimit headers (verified), else a rate_limits artifact or RateLimits link (documented)
Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link

10 more unmet checks in the Agent Readiness table above.

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

Access Clarity scores 27.6 — up to +14.5 composite points
Developer Ergonomics scores 28.0 — up to +14.4 composite points
Contract Quality scores 49.8 — up to +12.6 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/kriya/apis.yml: open an issue on github.com/api-evangelist/kriya 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 →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
Consumer Lending Licensing (UK, US, Canada credit licence registers)	undeclared	-	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Standards implemented 1

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

OpenAPI

measured — observed by APIs.io (published)

APIs 6

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

Kriya Buyers API

The Buyers API from Kriya — 6 operation(s) for buyers.

Kriya Onboarding API

The Onboarding API API from Kriya — 2 operation(s) for onboarding api.

Kriya OnboardingJourney API

The OnboardingJourney API from Kriya — 1 operation(s) for onboardingjourney.

Kriya Orders API

The Orders API from Kriya — 7 operation(s) for orders.

Kriya Payments API

The Payments API from Kriya — 3 operation(s) for payments.

Kriya Scenario API

The Scenario API from Kriya — 1 operation(s) for scenario.

Open Collections 6

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

Kriya Onboarding Buyers API

OPEN COLLECTION

Kriya Onboarding Buyers Onboarding API API

OPEN COLLECTION

Kriya Onboarding Buyers OnboardingJourney API

OPEN COLLECTION

Kriya Onboarding Buyers Orders API

OPEN COLLECTION

Kriya Onboarding Buyers Payments API

OPEN COLLECTION

Kriya Onboarding Buyers Scenario API

OPEN COLLECTION

Agent Skills 3

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

Take payment through the Kriya hosted Payments Journey

AGENT SKILL

Onboard a Kriya buyer and place a B2B PayLater order

AGENT SKILL

Run Kriya onboarding and KYC checks on a buyer company

AGENT SKILL

Event Specifications 1

AsyncAPI definitions for this provider's event-driven and streaming APIs.

Kriya Payments Webhooks

ASYNCAPI

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Kriya API Rules

58 rules · 43 errors 8 warnings 7 info

SPECTRAL

OpenAPI Overlays 2

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.

Kriya Onboarding Overlay

6 actions · security · kriya-onboarding-openapi.yaml

DERIVED

Kriya Payments Overlay

8 actions · security · kriya-payments-openapi.yaml

DERIVED

Security Posture 3

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

Kriya Authentication

apiKey · 1 scheme

SECURITY

Kriya Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Kriya Vulnerability Disclosure

contact published

SECURITY

Resources

Get Started 4

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

GettingStarted

GettingStarted

Login

Sandbox

Sandbox

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 3

MCP servers, agent skills, and machine-readable catalogs

X-MCPServerCandidate

X-MCPServerCandidate

LLMsTxt

LLMsTxt

AgentSkill

AgentSkill

Design & Contract 7

Pagination, idempotency, versioning, errors, and events

Conventions

ErrorCatalog

Lifecycle

Conformance

Webhooks

DataModel

Components

Scroll for all 7

Build 1

SDKs, sample code, and the tooling you integrate with

DeclineCodes

DeclineCodes

Access & Security 4

Authentication, authorization, and security posture

Security

Security

Authentication

Authentication

VulnerabilityDisclosure

VulnerabilityDisclosure

DomainSecurity

DomainSecurity

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 2

The organization behind the API

Website

Website

Blog

Blog

Other 1

Properties that don't map to a standard resource type

Overlay

Overlay

Source (apis.yml)

aid: kriya
name: Kriya
description: Kriya (Kriya Finance Limited, London) is a UK B2B embedded-finance and working-capital provider that lets merchants
  offer trade credit to their business buyers. Its products span Embedded PayLater (B2B buy-now-pay-later terms at checkout),
  Invoice Finance, working capital loans, buyer authentication, offline payments and a Kriya-on-Stripe integration. Kriya
  publishes two partner-facing REST APIs — the Payments API for buyer registration, risk decisioning, order lifecycle and
  payment deductions, and the Onboarding API for automating company and KYC checks — alongside a hosted Payments Journey and
  Onboarding Journey web flow, HMAC-signed webhooks, a dedicated test environment with scenario simulators, and e-commerce
  plugins for BigCommerce, Magento, nopCommerce, PrestaShop and Salesforce. Kriya was acquired by Allica Bank in October 2025.
url: https://raw.githubusercontent.com/api-evangelist/kriya/refs/heads/main/apis.yml
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - authentication
  - security
  - sandbox
  generated: '2026-11-06'
  method: derived
image: https://cdn.kriya.co/images/KriyaPaymentsAPI-API-Integration-Sequence-Flow.png
x-type: company
x-source: vc-portfolio
x-backed-by:
- northzone
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-09-16'
tags:
- Company
- Fintech
- Payments
- Embedded Finance
- Buy Now Pay Later
- B2B Payments
- Invoice Finance
- Lending
- Working Capital
- Onboarding
- KYC
- United Kingdom
apis:
- aid: kriya:kriya-buyers-api
  name: Kriya Buyers API
  description: The Buyers API from Kriya — 6 operation(s) for buyers.
  humanURL: https://docs.kriya.co/payments
  baseURL: https://api.kriya.co/payments/
  tags:
  - Buyers
  properties:
  - type: OpenAPI
    url: openapi/kriya-buyers-api-openapi.yml
  - type: Documentation
    url: https://docs.kriya.co/payments
  - type: Documentation
    url: https://docs.kriya.co/onboarding
- aid: kriya:kriya-onboarding-api-api
  name: Kriya Onboarding API
  description: The Onboarding API API from Kriya — 2 operation(s) for onboarding api.
  humanURL: https://docs.kriya.co/payments
  baseURL: https://api.kriya.co/payments/
  tags:
  - Onboarding API
  properties:
  - type: OpenAPI
    url: openapi/kriya-onboarding-api-api-openapi.yml
  - type: Documentation
    url: https://docs.kriya.co/payments
  - type: Documentation
    url: https://docs.kriya.co/onboarding
- aid: kriya:kriya-onboardingjourney-api
  name: Kriya OnboardingJourney API
  description: The OnboardingJourney API from Kriya — 1 operation(s) for onboardingjourney.
  humanURL: https://docs.kriya.co/payments
  baseURL: https://api.kriya.co/payments/
  tags:
  - OnboardingJourney
  properties:
  - type: OpenAPI
    url: openapi/kriya-onboardingjourney-api-openapi.yml
  - type: Documentation
    url: https://docs.kriya.co/payments
  - type: Documentation
    url: https://docs.kriya.co/onboarding
- aid: kriya:kriya-orders-api
  name: Kriya Orders API
  description: The Orders API from Kriya — 7 operation(s) for orders.
  humanURL: https://docs.kriya.co/payments
  baseURL: https://api.kriya.co/payments/
  tags:
  - Order
  tags_raw:
  - Orders
  properties:
  - type: OpenAPI
    url: openapi/kriya-orders-api-openapi.yml
  - type: Documentation
    url: https://docs.kriya.co/payments
  - type: Documentation
    url: https://docs.kriya.co/onboarding
- aid: kriya:kriya-payments-api
  name: Kriya Payments API
  description: The Payments API from Kriya — 3 operation(s) for payments.
  humanURL: https://docs.kriya.co/payments
  baseURL: https://api.kriya.co/payments/
  tags:
  - Payments
  properties:
  - type: OpenAPI
    url: openapi/kriya-payments-api-openapi.yml
  - type: Documentation
    url: https://docs.kriya.co/payments
  - type: Documentation
    url: https://docs.kriya.co/onboarding
- aid: kriya:kriya-scenario-api
  name: Kriya Scenario API
  description: The Scenario API from Kriya — 1 operation(s) for scenario.
  humanURL: https://docs.kriya.co/payments
  baseURL: https://api.kriya.co/payments/
  tags:
  - Scenario
  properties:
  - type: OpenAPI
    url: openapi/kriya-scenario-api-openapi.yml
  - type: Documentation
    url: https://docs.kriya.co/payments
  - type: Documentation
    url: https://docs.kriya.co/onboarding
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Overlay
  url: overlays/kriya-onboarding-overlay.yaml
- type: Website
  url: https://www.kriya.co
- type: DeveloperPortal
  url: https://docs.kriya.co/
- type: Documentation
  url: https://docs.kriya.co/payments
- type: APIReference
  url: https://docs.kriya.co/payments#section/API-Endpoints
- type: GettingStarted
  url: https://docs.kriya.co/payments#section/Integration-Scenarios
- type: Support
  url: https://www.kriya.co/contact-us
- type: Blog
  url: https://www.kriya.co/blog
- type: Login
  url: https://merchant.kriya.co/
- type: TermsOfService
  url: https://www.kriya.co/terms-and-conditions
- type: PrivacyPolicy
  url: https://www.kriya.co/privacy-policy
- type: Security
  url: https://www.kriya.co/responsible-disclosure
- type: Authentication
  url: authentication/kriya-authentication.yml
- type: Conventions
  url: conventions/kriya-conventions.yml
- type: ErrorCatalog
  url: errors/kriya-problem-types.yml
- type: DeclineCodes
  url: errors/kriya-decline-codes.yml
- type: Lifecycle
  url: lifecycle/kriya-lifecycle.yml
- type: Conformance
  url: conformance/kriya-conformance.yml
- type: Webhooks
  url: asyncapi/kriya-payments-webhooks.yml
- type: Sandbox
  url: sandbox/kriya-sandbox.yml
- type: DataModel
  url: data-model/kriya-data-model.yml
- type: Components
  url: components/kriya-components.yml
- type: X-MCPServerCandidate
  url: mcp/kriya-mcp.yml
  note: 'Renamed from MCPServer 2026-09-03 (roadmap#247): the manifest self-describes as status: candidate — a tool list derived
    from the published API contracts, not an existing server. The scorer already read the manifest and reported mcp_server
    correctly; the MCPServer type was crediting the artifact-type surfaces with a server that does not exist.'
- type: LLMsTxt
  url: llms/kriya-llms.txt
- type: AgentSkill
  url: skills/_index.yml
- type: VulnerabilityDisclosure
  url: security/kriya-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/kriya-domain-security.yml
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence

Kriya API — frequently asked questions

Does Kriya have an API?

Yes. APIs.io lists 6 APIs from Kriya, including Kriya Buyers API, Kriya Onboarding API and Kriya OnboardingJourney API, and 3 more.

Is there an OpenAPI specification for the Kriya API?

Yes. APIs.io indexes 6 OpenAPI specifications for Kriya, each linked for download from this page.

How do I authenticate with the Kriya API?

Kriya uses bearer-token authentication (apiKey · 1 scheme). The details are profiled on APIs.io as Kriya Authentication.

Is the Kriya API ready for AI agents?

Kriya has a Kin Score of 38.8 out of 100 (thin) and an Agent Readiness score of 25.0 (agent-aware), scored by API Evangelist on 2026-11-06.

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