NALA website screenshot

NALA

NALA is a fintech building cross-border payments infrastructure for emerging markets. Its consumer app is an international money-transfer and multi-currency account used to send money from the UK, US and EU to 35+ countries across Africa and Asia, with 98% of transfers arriving within minutes. NALA's B2B product, Rafiki, is a single API for global payouts and collections: move, collect and settle funds in local currency or stablecoins (USDC/USDT) across the US, UK, Europe, Asia and Africa, reaching 300+ banks and 40+ mobile-money operators with real-time FX, lookups, wallet statements, webhooks and built-in compliance and sanctions screening. Backed by Bessemer Venture Partners.

NALA publishes 5 APIs on the APIs.io network, including Bank API, Lookup API, Payment Account API, and 2 more. Tagged areas include Company, Fintech, Payments, Remittances, and Money Transfer.

The NALA catalog on APIs.io includes 1 event-driven AsyncAPI specification.

NALA’s developer surface includes documentation, API reference, getting-started guide, support, engineering blog, authentication, sandbox, and 26 more developer resources.

🌐 Visit website 📡 Source on GitHub
51.5/100 developing ▬ flat Agent 60/100 agent native Full breakdown ↓
scored 2026-08-17 · rubric v0.11.0
AccessSelf serve
5 APIs 1 MCP Servers
CompanyFintechPaymentsRemittancesMoney TransferPayoutsCross-Border PaymentsMobile MoneyStablecoinsAfrica

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-08-17 · rubric v0.11.0
Composite quality — 51.5/100 · developing
Contract Quality 13.4 / 21
Developer Ergonomics 12.8 / 17
Commercial Clarity 5.8 / 17
Operational Transparency 3.2 / 11
Governance 1.2 / 10
Discoverability 6.9 / 9
Regulatory Posture 8.2 / 15
Agent readiness — 60/100 · agent native
Machine-Readable Contract 18 / 18
Agentic Access Contract 10 / 10
MCP Server 12 / 12
Machine-Readable Auth 10 / 10
Idempotency 9 / 9
Stable Error Semantics 8 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 6 / 6
Agent Skills 5 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
A2A Agent Card 0 / 8
Dry-Run / Simulate Mode 0 / 4
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.
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/.
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/nala: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 5

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

NALA Bank API

The Bank API from NALA — 1 operation(s) for bank.

NALA Lookup API

The Lookup API from NALA — 1 operation(s) for lookup.

NALA Payment Account API

The Payment Account API from NALA — 1 operation(s) for payment account.

NALA Payout API

The Payout API from NALA — 2 operation(s) for payout.

NALA Wallet API

The Wallet API from NALA — 1 operation(s) for wallet.

Open Collections 6

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

API Collection

OPEN COLLECTION

Resources Bank API

OPEN COLLECTION

Resources Bank Lookup API

OPEN COLLECTION

Resources Bank Payment Account API

OPEN COLLECTION

Resources Bank Payout API

OPEN COLLECTION

Resources Bank Wallet API

OPEN COLLECTION

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

nala-mcp.yml

MCP SERVER

Event Specifications 1

AsyncAPI definitions for this provider's event-driven and streaming APIs.

Nala Rafiki Webhooks

ASYNCAPI

Security Posture 2

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

Nala Authentication

http · 1 scheme

SECURITY

Nala Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Nala Scopes

9 scopes

9 scopes

SCOPES

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Nala Agentic Access

8 operations · 2 acting

8 operations · 2 acting

AGENTIC

Resources

Get Started 5

Portal, sign-up, and the first successful call

DeveloperPortal
DeveloperPortal
 GettingStarted
GettingStarted
 Sandbox
Sandbox
 SignUp
SignUp
 Login
Login

Documentation 2

Reference material describing how the API behaves

Documentation
Documentation
 APIReference
APIReference

Agent Surfaces 5

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess
AgenticAccess
 LLMsTxt
LLMsTxt
 MCPServer
MCPServer
 AgentSkill
AgentSkill
 AgentSkill
AgentSkill

Design & Contract 7

Pagination, idempotency, versioning, errors, and events

Conventions
Conventions
 Idempotency
Idempotency
 ErrorCatalog
ErrorCatalog
 Lifecycle
Lifecycle
 Webhooks
Webhooks
 Conformance
Conformance
 DataModel
DataModel

Scroll for all 7

Build 4

SDKs, sample code, and the tooling you integrate with

GitHubOrganization
GitHubOrganization
 DeclineCodes
DeclineCodes
 Packages
Packages
 SDKs
SDKs

Access & Security 3

Authentication, authorization, and security posture

DomainSecurity
DomainSecurity
 Authentication
Authentication
 OAuthScopes
OAuthScopes

Operate 2

Status, limits, changes, and where to get help

Support
Support
 StatusPage
StatusPage

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService
TermsOfService
 PrivacyPolicy
PrivacyPolicy

Company 2

The organization behind the API

Website
Website
 Blog
Blog

Other 1

Properties that don't map to a standard resource type

Overlay
Overlay

Source (apis.yml)

apis.yml Raw ↑ 
aid: nala
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/nala.png
name: NALA
description: 'NALA is a fintech building cross-border payments infrastructure for emerging markets. Its consumer app is an
  international money-transfer and multi-currency account used to send money from the UK, US and EU to 35+ countries across
  Africa and Asia, with 98% of transfers arriving within minutes. NALA''s B2B product, Rafiki, is a single API for global
  payouts and collections: move, collect and settle funds in local currency or stablecoins (USDC/USDT) across the US, UK,
  Europe, Asia and Africa, reaching 300+ banks and 40+ mobile-money operators with real-time FX, lookups, wallet statements,
  webhooks and built-in compliance and sanctions screening. Backed by Bessemer Venture Partners.'
url: https://raw.githubusercontent.com/api-evangelist/nala/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- bessemer-venture-partners
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-20'
tags:
- Company
- Fintech
- Payments
- Remittances
- Money Transfer
- Payouts
- Cross-Border Payments
- Mobile Money
- Stablecoins
- Africa
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
apis:
- aid: nala:nala-bank-api
  name: NALA Bank API
  description: The Bank API from NALA — 1 operation(s) for bank.
  humanURL: https://docs.rafiki.com/
  baseURL: https://rest.prod.rafiki-api.com/v1
  tags:
  - Bank
  properties:
  - type: OpenAPI
    url: openapi/nala-bank-api-openapi.yml
  - type: Documentation
    url: https://docs.rafiki.com/docs/introduction
  - type: APIReference
    url: https://docs.rafiki.com/reference/welcome
  - type: GettingStarted
    url: https://docs.rafiki.com/recipes/create-account-and-send-money
- aid: nala:nala-lookup-api
  name: NALA Lookup API
  description: The Lookup API from NALA — 1 operation(s) for lookup.
  humanURL: https://docs.rafiki.com/
  baseURL: https://rest.prod.rafiki-api.com/v1
  tags:
  - Lookup
  properties:
  - type: OpenAPI
    url: openapi/nala-lookup-api-openapi.yml
  - type: Documentation
    url: https://docs.rafiki.com/docs/introduction
  - type: APIReference
    url: https://docs.rafiki.com/reference/welcome
  - type: GettingStarted
    url: https://docs.rafiki.com/recipes/create-account-and-send-money
- aid: nala:nala-payment-account-api
  name: NALA Payment Account API
  description: The Payment Account API from NALA — 1 operation(s) for payment account.
  humanURL: https://docs.rafiki.com/
  baseURL: https://rest.prod.rafiki-api.com/v1
  tags:
  - Payment Account
  properties:
  - type: OpenAPI
    url: openapi/nala-payment-account-api-openapi.yml
  - type: Documentation
    url: https://docs.rafiki.com/docs/introduction
  - type: APIReference
    url: https://docs.rafiki.com/reference/welcome
  - type: GettingStarted
    url: https://docs.rafiki.com/recipes/create-account-and-send-money
- aid: nala:nala-payout-api
  name: NALA Payout API
  description: The Payout API from NALA — 2 operation(s) for payout.
  humanURL: https://docs.rafiki.com/
  baseURL: https://rest.prod.rafiki-api.com/v1
  tags:
  - Payout
  properties:
  - type: OpenAPI
    url: openapi/nala-payout-api-openapi.yml
  - type: Documentation
    url: https://docs.rafiki.com/docs/introduction
  - type: APIReference
    url: https://docs.rafiki.com/reference/welcome
  - type: GettingStarted
    url: https://docs.rafiki.com/recipes/create-account-and-send-money
- aid: nala:nala-wallet-api
  name: NALA Wallet API
  description: The Wallet API from NALA — 1 operation(s) for wallet.
  humanURL: https://docs.rafiki.com/
  baseURL: https://rest.prod.rafiki-api.com/v1
  tags:
  - Wallet
  properties:
  - type: OpenAPI
    url: openapi/nala-wallet-api-openapi.yml
  - type: Documentation
    url: https://docs.rafiki.com/docs/introduction
  - type: APIReference
    url: https://docs.rafiki.com/reference/welcome
  - type: GettingStarted
    url: https://docs.rafiki.com/recipes/create-account-and-send-money
common:
- type: AgenticAccess
  url: agentic-access/nala-agentic-access.yml
- type: DomainSecurity
  url: security/nala-domain-security.yml
- type: Website
  url: https://www.nala.com/
- type: DeveloperPortal
  url: https://docs.rafiki.com/
- type: Documentation
  url: https://docs.rafiki.com/docs/introduction
- type: APIReference
  url: https://docs.rafiki.com/reference/welcome
- type: GettingStarted
  url: https://docs.rafiki.com/recipes/create-account-and-send-money
- type: Support
  url: https://help.nala.money/en/
- type: Blog
  url: https://www.nala.com/blog
- type: GitHubOrganization
  url: https://github.com/NalaMoney
- type: StatusPage
  url: https://status.rafiki.com/
- type: TermsOfService
  url: https://www.nala.com/terms-of-service
- type: PrivacyPolicy
  url: https://www.nala.com/privacy-policy
- type: LLMsTxt
  url: llms/nala-llms.txt
- type: MCPServer
  url: mcp/nala-mcp.yml
- type: Authentication
  url: authentication/nala-authentication.yml
- type: OAuthScopes
  url: scopes/nala-scopes.yml
- type: Conventions
  url: conventions/nala-conventions.yml
- type: Idempotency
  url: conventions/nala-conventions.yml
- type: ErrorCatalog
  url: errors/nala-problem-types.yml
- type: DeclineCodes
  url: errors/nala-decline-codes.yml
- type: Lifecycle
  url: lifecycle/nala-lifecycle.yml
- type: Sandbox
  url: sandbox/nala-sandbox.yml
- type: Webhooks
  url: asyncapi/nala-rafiki-webhooks.yml
- type: Conformance
  url: conformance/nala-conformance.yml
- type: DataModel
  url: data-model/nala-data-model.yml
- type: Packages
  url: packages/nala-packages.yml
- type: SDKs
  url: packages/nala-packages.yml
- type: Overlay
  url: overlays/nala-rafiki-overlay.yaml
- type: AgentSkill
  url: skills/nala-create-account-and-send-payout.md
- type: AgentSkill
  url: skills/nala-lookup-recipient-account.md
- type: SignUp
  url: https://rafiki.com/contact
- type: Login
  url: https://app.rafiki.com
x-enrichment:
  date: '2026-07-20'
  status: enriched
  artifacts_added: 7
  pass: local-v1