# LemFi

**Canonical:** https://apis.io/providers/lemfi/  
**Website:** https://lemfi.com/en-us/  
**APIs profiled:** 0

LemFi (formerly Lemonade Finance) is a London-headquartered cross-border payments and remittance fintech built for immigrant communities, operating as a regulated Electronic Money Institution in the UK and as a FinCEN-registered money services business in the US through Pomelo Two US LLC (NMLS 2523778). Its consumer mobile apps let customers hold multi-currency balances, receive local bank details in their country of residence, request money, buy eSIM data, and send international transfers to 30+ receive markets across Africa, Asia, Europe and Latin America via direct integrations with tier-1 local banks. LemFi is a consumer-app company: as of this profile it publishes no developer portal, no public API reference, no OpenAPI or other machine-readable contract, no SDKs and no sandbox. What it does publish publicly is a Secureframe-hosted trust center naming SOC 2 Type II, PCI DSS Level 1, ISO 27001 and GDPR, and a formal vulnerability disclosure policy run through Inspectiv.

## Kin Score — 21.4 / 100 (emerging)

Scored 2026-09-02 under rubric 0.18.0. Trend: flat (+0.0 from 21.4).

| Facet | Score |
|---|---|
| Discoverability | 50.0 |
| Contract Quality | 0.0 |
| Governance | 18.2 |
| Contract Governance | 18.2 |
| Operational Transparency | 10.5 |
| Developer Ergonomics | 7.1 |
| Commercial Clarity | 36.8 |
| Access Clarity | 36.8 |

Regulatory layer — **Payments**: 59.4 (matched via tags).

## Agent readiness — 2.5 (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 | documented |
| 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 |

## Access

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

## Security (3)

- **Lemfi Domain Security** — TLSv1.3 · HSTS · DMARC
- **Lemfi Vulnerability Disclosure** — disclosure policy published
- **Lemfi Trust Center** — SOC 2 Type II, PCI DSS, ISO 27001, GDPR

## Plans (1)

- **Lemfi Plans Pricing**

## Tags

Company, Financial-Services, Fintech, Payments, Remittances, Cross-Border Payments, Money Transfer, Consumer Finance, Mobile Banking, eSIM

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