Nelo

Nelo is a Mexican fintech offering consumer credit that lets shoppers buy now and pay later in bi-weekly installments (quincenas). Its mobile app (iOS and Android) provides instant credit approval, an in-app marketplace (Tienda Nelo), bill payment for utilities such as CFE, water, gas and internet, phone recharges, cash withdrawals, and a premium Nelo VIP tier with a physical credit card. Backed by Homebrew, Nelo operates primarily as a consumer mobile product and, as of this enrichment pass, publishes no public developer API, developer portal, or API documentation. Sector: fintech / buy-now-pay-later (BNPL).

Nelo is profiled on the APIs.io network. Tagged areas include Company, Fintech, BNPL, Consumer Credit, and Payments.

Nelo’s developer surface includes support and 4 more developer resources.

🌐 Visit website 📡 Source on GitHub

8.6/100 minimal ▬ flat Agent 0/100 human only saas Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0

0 APIs

Company Fintech BNPL Consumer Credit Payments Mexico Mobile App

Kin Score

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

Composite quality — 8.6/100 · minimal

Contract Quality 0.0 / 21

Developer Ergonomics 0.8 / 17

Access Clarity 3.6 / 17

Operational Transparency 0.0 / 11

Contract Governance 0.0 / 10

Discoverability 4.3 / 9

Regulatory Posture 3.3 / 15

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 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 could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

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/. 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/nelo: 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 →

Security Posture 1

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

Nelo Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Resources

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 1

The organization behind the API

Website

Website

Source (apis.yml)

aid: nelo
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source: []
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/nelo.png
name: Nelo
description: 'Nelo is a Mexican fintech offering consumer credit that lets shoppers buy now and pay later in bi-weekly installments
  (quincenas). Its mobile app (iOS and Android) provides instant credit approval, an in-app marketplace (Tienda Nelo), bill
  payment for utilities such as CFE, water, gas and internet, phone recharges, cash withdrawals, and a premium Nelo VIP tier
  with a physical credit card. Backed by Homebrew, Nelo operates primarily as a consumer mobile product and, as of this enrichment
  pass, publishes no public developer API, developer portal, or API documentation. Sector: fintech / buy-now-pay-later (BNPL).'
url: https://raw.githubusercontent.com/api-evangelist/nelo/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- homebrew
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-20'
tags:
- Company
- Fintech
- BNPL
- Consumer Credit
- Payments
- Mexico
- Mobile App
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: DomainSecurity
  url: security/nelo-domain-security.yml
- type: Website
  url: https://www.nelo.mx
- type: Support
  url: https://nelo.mx/es/preguntas-frecuentes
- type: TermsOfService
  url: https://nelo.mx/es/legal/terms
- type: PrivacyPolicy
  url: https://nelo.mx/es/legal/privacy
x-enrichment:
  date: '2026-07-20'
  status: minimal
  artifacts_added: 0
  pass: local-v1

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