# Kriya

**Canonical:** https://apis.io/providers/kriya/  
**Website:** https://www.kriya.co  
**APIs profiled:** 6

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.

## Kin Score — 42.3 / 100 (developing)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 42.3).

| Facet | Score |
|---|---|
| Discoverability | 92.6 |
| Contract Quality | 60.6 |
| Governance | 16.7 |
| Contract Governance | 16.7 |
| Operational Transparency | 18.4 |
| Developer Ergonomics | 28.0 |
| Commercial Clarity | 27.6 |
| Access Clarity | 27.6 |

Regulatory layer — **Payments**: 48.4 (matched via tags).

## Agent readiness — 40.4 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | verified |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | yes |
| Agent Skills | derived |
| Well Known Catalog | yes |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: medium).

## APIs (6)

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

## MCP servers (1)

- **Kriya MCP Server**

## Security (3)

- **Kriya Authentication** — apiKey · 1 scheme
- **Kriya Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC
- **Kriya Vulnerability Disclosure** — contact published

## Tags

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

---

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