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
56.1/100 developing ▬ flat Agent 80/100 agent native Full breakdown ↓
scored 2026-07-27 · rubric v0.5
AccessSelf serve
5 APIs 1 MCP Servers
CompanyFintechPaymentsRemittancesMoney TransferPayoutsCross-Border PaymentsMobile MoneyStablecoinsAfrica

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 56.1/100 · developing
Contract Quality 15.9 / 25
Developer Ergonomics 16.1 / 20
Commercial Clarity 6.8 / 20
Operational Transparency 3.8 / 13
Governance 0.0 / 12
Discoverability 10.0 / 10
Agent readiness — 80/100 · agent native
Machine-Readable Contract 18 / 18
Agentic Access Contract 15 / 15
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
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.

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