# Kuda

**Canonical:** https://apis.io/providers/kuda/  
**Website:** https://kuda.com  
**APIs profiled:** 0

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.

## Kin Score — 4.9 / 100 (minimal)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 4.9).

| Facet | Score |
|---|---|
| Discoverability | 50.0 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 15.8 |
| Developer Ergonomics | 7.1 |
| Commercial Clarity | 0.0 |
| Access Clarity | 0.0 |

Regulatory layer — **Banking & Open Finance**: 7.6 (matched via tags).

## 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 |

## Access

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## Security (1)

- **Kuda Domain Security** — TLSv1.2 · DMARC

## Tags

Banking, Neobank, Digital Bank, Retail Banking, Business Banking, Open Banking, Payments, Transfers, Virtual Accounts, Disbursements, Bill Payments, Savings, Cards, Point-of-Sale, Lending, Fintech, Nigeria, Africa, CBN Licensed, Microfinance Bank

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