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

47.0/100 developing ▬ flat Agent 38/100 agent ready saas Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0

1 APIs 1 MCP Servers

Company Fintech Payments Remittances Money Transfer Payouts Cross-Border Payments Mobile Money Stablecoins Africa

Kin Score

Kin Score How this is scored →
scored 2026-09-08 · rubric v0.20.0

Composite quality — 47.0/100 · developing

Contract Quality 10.9 / 19

Developer Ergonomics 8.7 / 15

Access Clarity 5.1 / 15

Operational Transparency 2.6 / 10

Contract Governance 0.4 / 9

Discoverability 5.7 / 8

Regulatory Posture 8.2 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 38/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 0 / 6

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

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

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 applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% 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/. 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/nala: 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 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 Server

Rafiki's remote MCP server. Gives AI editors (Cursor, Windsurf) and general tools (Claude Desktop) access to Rafiki documentation search and code generation for Rafiki API integ...

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

SCOPES

Agentic Access 1

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

Nala Agentic Access

8 operations · 2 acting

AGENTIC

Resources

Get Started 5

Portal, sign-up, and the first successful call

DeveloperPortal

GettingStarted

Sandbox

SignUp

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

LLMsTxt

MCPServer

AgentSkill

AgentSkill

Design & Contract 7

Pagination, idempotency, versioning, errors, and events

Conventions

Idempotency

ErrorCatalog

Lifecycle

Webhooks

Conformance

DataModel

Scroll for all 7

Build 4

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

DeclineCodes

Packages

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)

aid: nala
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - 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
  - sandbox
  generated: '2026-09-03'
  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: '0.23'
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:
  - Wallets
  tags_raw:
  - 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

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