Microbilt

Microbilt is a company surfaced via the API Evangelist harvest backlog (source: g2-catalog) and added to the network as a stub for full-pipeline profiling.

Microbilt is listed with 2 APIs on the APIs.io network. Tagged areas include Credit Decisioning, Identity Verification, Background Screening, Business Credentialing, and Risk Management.

The Microbilt catalog on APIs.io includes 1 JSON-LD context and 1 Spectral governance ruleset.

Microbilt’s developer surface includes authentication, getting-started guide, documentation, and 11 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

22.3/100 emerging Agent 25/100 agent aware Full breakdown ↓
scored 2026-10-23 · rubric v0.25.0 · Show this score on your site →

2 APIs

Credit Decisioning Identity Verification Background ScreeningBusiness CredentialingRisk ManagementAlternative Credit DataCompliance

Kin Score

Kin Score How this is scored →
scored 2026-10-23 · rubric v0.25.0

Composite quality — 22.3/100 · emerging

Contract Quality 4.6 / 21

Developer Ergonomics 5.7 / 17

Access Clarity 1.8 / 17

Operational Transparency 0.0 / 11

Contract Governance 2.2 / 10

Discoverability 3.9 / 9

Regulatory Posture 3.1 / 15

Agent readiness — 25/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 12 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 7 / 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 0 / 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

Regulatory Posture applies to this provider. Its tags matched the Horizontal (data, software, accessibility, platform) 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/microbilt/"><img src="https://apis.io/badge/microbilt/card.svg" alt="Microbilt on APIs.io — Kin Score by API Evangelist"></a>

Other styles, a README pill and a shields.io endpoint are on the badge page.

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 github.com/api-evangelist/microbilt: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 2

Individual APIs this provider publishes, each with its own machine-readable definition.

Microbilt API

Microbilt provides various verification APIs such as Bank Account Verification, as listed on their developer portal.

Microbilt API

Microbilt API as documented publicly: 4 operations. Contract generated from the documentation by API Evangelist (2026-10-20); not the provider's own document.

Semantic Vocabularies 1

JSON-LD contexts and semantic vocabularies used across these APIs.

Microbilt Context

4 classes · 8 properties

JSON-LD

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Microbilt API Rules

11 rules · 9 errors 1 warnings 1 info

SPECTRAL

JSON Schema 4

Standalone JSON Schema definitions for this provider's data models.

PostOauthGetaccesstokenRequest

3 properties

JSON SCHEMA

PostOauthGetaccesstokenResponse

5 properties

JSON SCHEMA

PostOauthTokenRequest

3 properties

JSON SCHEMA

PostOauthTokenResponse

5 properties

JSON SCHEMA

Security Posture 2

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

Microbilt Authentication

1 scheme

SECURITY

Microbilt Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Resources

Get Started 1

Portal, sign-up, and the first successful call

GettingStarted

GettingStarted

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Design & Contract 5

Pagination, idempotency, versioning, errors, and events

Spectral

JSONLD

Vocabulary

DataModel

Conformance

Access & Security 2

Authentication, authorization, and security posture

Authentication

Authentication

DomainSecurity

DomainSecurity

Commercial 1

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

Company 2

The organization behind the API

Newsroom

Newsroom

Website

Website

Other 2

Properties that don't map to a standard resource type

Hosts

Hosts

Vendors

Vendors

Source (apis.yml)

aid: microbilt
name: Microbilt
description: 'Microbilt is a company surfaced via the API Evangelist harvest backlog (source: g2-catalog) and added to the
  network as a stub for full-pipeline profiling.'
url: https://raw.githubusercontent.com/api-evangelist/microbilt/refs/heads/main/apis.yml
x-type: company
x-source: harvest:g2-catalog
x-tier: profiled
x-tier-reason: enrichment pass 2026-10-20 (modular-v1; was harvest)
specificationVersion: '0.20'
created: '2026-10-20'
modified: '2026-10-20'
tags:
- Credit Decisioning
- Identity Verification
- Background Screening
- Business Credentialing
- Risk Management
- Alternative Credit Data
- Compliance
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Spectral
  url: rules/microbilt-rules.yml
- type: JSONLD
  url: json-ld/microbilt-context.jsonld
- type: Vocabulary
  url: vocabulary/microbilt-vocabulary.yml
- type: DataModel
  url: data-model/microbilt-data-model.yml
- type: Authentication
  url: authentication/microbilt-authentication.yml
- type: Conformance
  url: conformance/microbilt-conformance.yml
- type: Hosts
  url: hosts/microbilt-hosts.yml
- type: Vendors
  url: vendors/microbilt-vendors.yml
- type: TermsOfService
  url: https://developer.microbilt.com/legal-notice
- type: Newsroom
  url: https://www.microbilt.com/news
- type: GettingStarted
  url: https://developer.microbilt.com/quick-start
- type: Documentation
  url: https://developer.microbilt.com/
- type: DomainSecurity
  url: security/microbilt-domain-security.yml
- type: Website
  url: https://microbilt.com/
apis:
- name: Microbilt API
  description: Microbilt provides various verification APIs such as Bank Account Verification, as listed on their developer
    portal.
  humanURL: https://developer.microbilt.com/bank-account-verification
  baseURL: null
  aid: microbilt:microbilt-api-2
- aid: microbilt:microbilt-api
  name: Microbilt API
  description: 'Microbilt API as documented publicly: 4 operations. Contract generated from the documentation by API Evangelist
    (2026-10-20);

    not the provider''s own document.'
  humanURL: https://developer.microbilt.com/api-oauth-docs
  baseURL: https://apitest.microbilt.com
  properties:
  - type: OpenAPI
    url: openapi/_ae-authored/microbilt-openapi-generated.yml
    x-provenance: generated
  - type: JSONSchema
    url: json-schema/microbilt-post-oauth-getaccesstoken-response-schema.json
  - type: JSONSchema
    url: json-schema/microbilt-post-oauth-token-response-schema.json
  - type: JSONSchema
    url: json-schema/microbilt-post-oauth-getaccesstoken-request-schema.json
  - type: JSONSchema
    url: json-schema/microbilt-post-oauth-token-request-schema.json
x-enrichment:
  date: '2026-10-20'
  status: enriched
  artifacts_added: 19
  pass: modular-v1
  engine: identity=local,contract=local,surfaces=local,docs=local,regulatory=local

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