Kuda

Kuda is a Nigerian digital-first retail bank — branded "the money app for Africans" and "the bank of the free" — founded in 2019 by Babs Ogundeyi and Musty Mustapha and headquartered in Lagos, Nigeria with operations in the United Kingdom. Kuda's Nigerian entity, Kuda Microfinance Bank, holds a national microfinance bank license from the Central Bank of Nigeria (CBN), and Kuda EMI Limited operates as an FCA-authorised electronic money institution in the UK. Kuda offers retail banking accounts with zero or low fees, debit cards, instant transfers, bill payments, savings ("Spend+Save"), investments, overdrafts, and personal loans through its iOS, Android, and web apps, plus a Business banking suite covering expense accounts and cards, payroll, invoicing, softPOS and physical POS terminals, business loans, and CAC business registration. Kuda also exposes an Open API ("Kuda Open API") aimed at fintechs, marketplaces, and businesses that want to embed Nigerian banking primitives — virtual accounts, name enquiry, intra- and inter-bank transfers, balance inquiry, transaction history, bill payments, and disbursements — directly into their own products, with sandbox and live environments, RSA-encrypted request payloads, and client libraries for Node.js, PHP, C#, Rust, and Kotlin hosted under the kudabank GitHub organization.

Kuda is profiled on the APIs.io network. Tagged areas include Banking, Neobank, Digital Bank, Retail Banking, and Business Banking.

Kuda’s developer surface includes documentation, GitHub presence, engineering blog, FAQ, YouTube channel, and 16 more developer resources.

🌐 Visit website 📡 Source on GitHub

12.8/100 minimal ▬ flat Agent 0/100 human only Full breakdown ↓
scored 2026-07-27 · rubric v0.5

0 APIs

BankingNeobankDigital BankRetail BankingBusiness BankingOpen BankingPaymentsTransfersVirtual AccountsDisbursementsBill PaymentsSavingsCardsPOSLendingFintechNigeriaAfricaCBN LicensedMicrofinance Bank

Kin Score

Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5

Composite quality — 12.8/100 · minimal

Contract Quality 0.0 / 25

Developer Ergonomics 3.9 / 20

Commercial Clarity 0.0 / 20

Operational Transparency 2.1 / 13

Governance 0.0 / 12

Discoverability 6.8 / 10

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 15

MCP Server 0 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/kuda: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

Get Started 1

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

Documentation 2

Reference material describing how the API behaves

OpenAPI

OpenAPI

Documentation

Documentation

Build 1

SDKs, sample code, and the tooling you integrate with

GitHub

GitHub

Access & Security 2

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Security

Security

Learn 1

Tutorials, courses, talks, and written guidance

YouTube

YouTube

Operate 3

Status, limits, changes, and where to get help

Help

Help

Contact

Contact

FAQ

FAQ

Company 9

The organization behind the API

Website

About

Careers

Blog

Press

Twitter

LinkedIn

Facebook

Facebook

Instagram

Instagram

Scroll for all 9

Other 2

Properties that don't map to a standard resource type

Personal

Personal

Business

Business

Source (apis.yml)

aid: kuda
name: Kuda
description: Kuda is a Nigerian digital-first retail bank — branded "the money app for Africans" and "the bank of the free"
  — founded in 2019 by Babs Ogundeyi and Musty Mustapha and headquartered in Lagos, Nigeria with operations in the United
  Kingdom. Kuda's Nigerian entity, Kuda Microfinance Bank, holds a national microfinance bank license from the Central Bank
  of Nigeria (CBN), and Kuda EMI Limited operates as an FCA-authorised electronic money institution in the UK. Kuda offers
  retail banking accounts with zero or low fees, debit cards, instant transfers, bill payments, savings ("Spend+Save"), investments,
  overdrafts, and personal loans through its iOS, Android, and web apps, plus a Business banking suite covering expense accounts
  and cards, payroll, invoicing, softPOS and physical POS terminals, business loans, and CAC business registration. Kuda also
  exposes an Open API ("Kuda Open API") aimed at fintechs, marketplaces, and businesses that want to embed Nigerian banking
  primitives — virtual accounts, name enquiry, intra- and inter-bank transfers, balance inquiry, transaction history, bill
  payments, and disbursements — directly into their own products, with sandbox and live environments, RSA-encrypted request
  payloads, and client libraries for Node.js, PHP, C#, Rust, and Kotlin hosted under the kudabank GitHub organization.
type: Index
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source: []
  generated: '2026-07-22'
  method: derived
position: Provider
access: 3rd-Party
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/kuda.png
tags:
- Banking
- Neobank
- Digital Bank
- Retail Banking
- Business Banking
- Open Banking
- Payments
- Transfers
- Virtual Accounts
- Disbursements
- Bill Payments
- Savings
- Cards
- POS
- Lending
- Fintech
- Nigeria
- Africa
- CBN Licensed
- Microfinance Bank
url: https://raw.githubusercontent.com/api-evangelist/kuda/refs/heads/main/apis.yml
created: '2026-05-24'
modified: '2026-05-24'
specificationVersion: '0.20'
apis: []
common:
- type: DomainSecurity
  url: security/kuda-domain-security.yml
- type: Website
  url: https://kuda.com
- type: Personal
  url: https://kuda.com/en-ng/personal/
- type: Business
  url: https://kuda.com/en-ng/business/
- type: OpenAPI
  url: https://kuda.com/en-ng/business/open-api/
- type: DeveloperPortal
  url: https://developer.kuda.com/
- type: Documentation
  url: https://kudabank.gitbook.io/kudabank/
- type: GitHub
  url: https://github.com/kudabank
- type: About
  url: https://kuda.com/about/
- type: Careers
  url: https://kuda.com/careers/
- type: Blog
  url: https://kuda.com/blog/
- type: Press
  url: https://kuda.com/press/
- type: Help
  url: https://help.kuda.com
- type: Security
  url: https://kuda.com/security/
- type: Contact
  url: https://kuda.com/contact/
- type: FAQ
  url: https://kuda.com/en-ng/legal/faq/openApi/
- type: Twitter
  url: https://twitter.com/joinkuda
- type: LinkedIn
  url: https://www.linkedin.com/company/kudabank
- type: Facebook
  url: https://www.facebook.com/joinkuda
- type: Instagram
  url: https://www.instagram.com/joinkuda
- type: YouTube
  url: https://www.youtube.com/@joinkuda
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com