# NALA

**Canonical:** https://apis.io/providers/nala/  
**Website:** https://www.nala.com/  
**APIs profiled:** 5

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.

## Kin Score — 51.5 / 100 (developing)

Scored 2026-08-17 under rubric 0.11.0. Trend: flat (+0.0 from 51.5).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 63.0 |
| Governance | 11.5 |
| Operational Transparency | 28.9 |
| Developer Ergonomics | 75.5 |
| Commercial Clarity | 34.2 |

Regulatory layer — **Payments**: 54.7 (matched via tags).

## Agent readiness — 60.1 (agent-native)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| MCP Server | yes |
| Auth Clarity | yes |
| Idempotency | verified |
| Error Semantics | verified |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | yes |
| Agent Skills | derived |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: medium).

## APIs (5)

- **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)

- **nala-mcp.yml**

## Agentic access (1)

- **Nala Agentic Access** — 8 operations · 2 acting

## Security (2)

- **Nala Authentication** — http · 1 scheme
- **Nala Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

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

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