MFellows

Money Fellows (moneyfellows.com) is an Egyptian fintech that digitizes the traditional rotating savings and credit association (ROSCA, or "gam'eya") into app-based "money circles." Over 8 million users save collectively and access payouts and credit through flexible 6, 10, or 12-month circles, with loan amounts up to 1,200,000 EGP, plus a cashback debit card and goal-based savings. The company is regulated by the Central Bank of Egypt and backed by 500 Global. Money Fellows is a consumer (B2C) mobile-first product and publishes no public developer API, SDKs, or developer portal; the only machine-discoverable surface on the domain is the Umbraco CMS OpenID Connect / OAuth 2.0 member-auth server that backs the marketing website. This profile was surfaced as a 500 Global portfolio lead and enriched by the API Evangelist pipeline.

MFellows is profiled on the APIs.io network. Tagged areas include Company, Fintech, Financial Services, Savings, and Lending.

MFellows’ developer surface includes engineering blog, support, authentication, and 9 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

15.9/100 emerging ▬ flat Agent 11/100 agent aware saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

0 APIs

Company Fintech Financial Services Savings LendingROSCAPayments Egypt Mobile Consumer Finance

Kin Score

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

Composite quality — 15.9/100 · emerging

Contract Quality 0.0 / 21

Developer Ergonomics 3.2 / 17

Access Clarity 3.6 / 17

Operational Transparency 0.0 / 11

Contract Governance 0.5 / 10

Discoverability 4.7 / 9

Regulatory Posture 4.7 / 15

Agent readiness — 11/100 · agent aware

Machine-Readable Contract 0 / 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 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

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 6 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 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 could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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<a href="https://apis.io/providers/mfellows/"><img src="https://apis.io/badge/mfellows/card.svg" alt="MFellows on APIs.io — Kin Score by API Evangelist"></a>

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Agent readiness — checks not met, largest first (exact, from this profile):

Machine-Readable Contract +18 pts — api_specs includes an OpenAPI document
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)
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0

11 more unmet checks in the Agent Readiness table above.

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

Contract Quality scores 0.0 — up to +25.0 composite points
Developer Ergonomics scores 19.0 — up to +16.2 composite points
Access Clarity scores 21.1 — up to +15.8 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/mfellows/apis.yml: open an issue on github.com/api-evangelist/mfellows 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
African Payments (Nigeria, Kenya, South Africa, Ghana, WAEMU)	undeclared	-	-	-
Consumer Lending Licensing (UK, US, Canada credit licence registers)	undeclared	-	-	-
Mobile SDK Publishers (Play SDK Index, CocoaPods, ADA certification)	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.

Security Posture 2

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

Mfellows Authentication

oauth2/openIdConnect · 2 schemes

SECURITY

Mfellows Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Mfellows Scopes

2 scopes · authorizationCode

2 scopes

SCOPES

Resources

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

WellKnown

WellKnown

LLMsTxt

LLMsTxt

Design & Contract 1

Pagination, idempotency, versioning, errors, and events

Conformance

Conformance

Access & Security 3

Authentication, authorization, and security posture

Authentication

Authentication

OAuthScopes

OAuthScopes

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 3

The organization behind the API

Website

Website

About

About

Blog

Blog

Source (apis.yml)

aid: mfellows
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - 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
  - scopes
  - security
  generated: '2026-11-06'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/mfellows.png
name: MFellows
description: Money Fellows (moneyfellows.com) is an Egyptian fintech that digitizes the traditional rotating savings and credit
  association (ROSCA, or "gam'eya") into app-based "money circles." Over 8 million users save collectively and access payouts
  and credit through flexible 6, 10, or 12-month circles, with loan amounts up to 1,200,000 EGP, plus a cashback debit card
  and goal-based savings. The company is regulated by the Central Bank of Egypt and backed by 500 Global. Money Fellows is
  a consumer (B2C) mobile-first product and publishes no public developer API, SDKs, or developer portal; the only machine-discoverable
  surface on the domain is the Umbraco CMS OpenID Connect / OAuth 2.0 member-auth server that backs the marketing website.
  This profile was surfaced as a 500 Global portfolio lead and enriched by the API Evangelist pipeline.
url: https://raw.githubusercontent.com/api-evangelist/mfellows/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- 500-global
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-20'
tags:
- Company
- Fintech
- Financial Services
- Savings
- Lending
- ROSCA
- Payments
- Egypt
- Mobile
- Consumer Finance
tags_raw:
- Company
- Fintech
- Financial Services
- Savings
- Lending
- ROSCA
- Payments
- Egypt
- Mobile
- Consumer Finance
- Financial-Services
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://moneyfellows.com
- type: About
  url: https://moneyfellows.com/en-us/about-us-page/
- type: Blog
  url: https://moneyfellows.com/en-us/3elmelgeib-home/
- type: Support
  url: https://moneyfellows.com/en-us/contact-us-page/
- type: TermsOfService
  url: https://moneyfellows.com/en-us/terms-and-conditions
- type: PrivacyPolicy
  url: https://moneyfellows.com/en-us/privacy-policy
- type: WellKnown
  url: well-known/mfellows-well-known.yml
- type: Authentication
  url: authentication/mfellows-authentication.yml
- type: OAuthScopes
  url: scopes/mfellows-scopes.yml
- type: Conformance
  url: conformance/mfellows-conformance.yml
- type: DomainSecurity
  url: security/mfellows-domain-security.yml
- type: LLMsTxt
  url: llms/mfellows-llms.txt
x-enrichment:
  date: '2026-07-20'
  status: enriched
  artifacts_added: 8
  pass: local-v1

MFellows API — frequently asked questions

How do I authenticate with the MFellows API?

MFellows documents its authentication (oauth2/openIdConnect · 2 schemes). The details are profiled on APIs.io as Mfellows Authentication.

Is the MFellows API ready for AI agents?

MFellows has a Kin Score of 15.9 out of 100 (emerging) and an Agent Readiness score of 10.8 (agent-aware), scored by API Evangelist on 2026-11-06.

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