# Murphy

**Canonical:** https://apis.io/providers/murphy/  
**Website:** https://www.getmurphy.ai  
**APIs profiled:** 0

Murphy is a Barcelona-based fintech building AI voice and omnichannel agents that automate debt collection and servicing for banks, fintechs, utilities, telecoms and debt collection agencies. Founded in 2024 by Borja Sole and Marc Sanchez, the platform runs 24/7 AI agents across voice, SMS and email in 15+ languages, handling inbound and outbound recovery with human escalation, behavioural personalisation and fully audited, compliance-bounded interactions (ISO 27001, GDPR and EU AI Act aligned). Murphy claims materially higher recovery rates and 50-70% lower operational cost. It raised roughly $15M (seed + pre-seed) led by Northzone with ElevenLabs, Lakestar, Seedcamp and Enzo Ventures. Added to the API Evangelist network as a company profile; no public developer API, SDK or documentation surface is currently published.

## Kin Score — 12.1 / 100 (emerging)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 12.1).

| Facet | Score |
|---|---|
| Discoverability | 50.0 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 0.0 |
| Commercial Clarity | 35.5 |
| Access Clarity | 35.5 |

## 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 (2)

- **Murphy Domain Security** — TLSv1.3 · HSTS · DMARC
- **Murphy Trust Center** — ISO 27001

## Tags

Company, Fintech, Artificial Intelligence, Debt Collection, Voice AI, Financial-Services, Collection

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