Nova Credit

Nova Credit is a fintech consumer-credit-data platform that gives lenders and financial institutions a single API to access unified consumer credit data from more than 26 sources — international credit bureaus, bank-transaction aggregators, payroll systems, and automated document data. Its products (Credit Passport, Cash Atlas, Income Navigator, and Eligibility Compass) let institutions underwrite qualified newcomers and thin-file applicants with translated international credit history, run cashflow-based underwriting from bank data, automate income verification with fraud detection, and speed income/asset verification for affordable housing. The developer platform exposes REST APIs over api.novacredit.com with a dedicated sandbox host, HTTP Basic to short-lived Bearer authentication, JWE-encrypted report payloads, hosted NovaConnect consent webviews, webhooks, SCIM and SSO.

Nova Credit is listed with 1 API on the APIs.io network. Tagged areas include Company, Credit Data, Consumer Credit, Credit Bureau, and Income Verification.

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

Nova Credit’s developer surface includes documentation, API reference, getting-started guide, support, engineering blog, authentication, sandbox, and 17 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

39.3/100 developing ▬ flat Agent 23/100 agent aware Front door AI 1/6 silent saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

1 API

Company Credit Data Consumer Credit Credit Bureau Income Verification Underwriting Fintech Financial Services LendingCash Flow UnderwritingIdentity

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 39.3/100 · developing

Contract Quality 8.3 / 21

Developer Ergonomics 9.7 / 17

Access Clarity 4.9 / 17

Operational Transparency 1.2 / 11

Contract Governance 1.9 / 10

Discoverability 6.2 / 9

Regulatory Posture 3.9 / 15

Agent readiness — 23/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 6 / 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

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Insurance 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/.

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Agent readiness — checks not met, largest first (exact, from this profile):

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Rate-Limit Signaling +7 pts — OpenAPI responses document X-RateLimit-* / RateLimit headers (verified), else a rate_limits artifact or RateLimits link (documented)
Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link

9 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Contract Quality scores 39.0 — up to +15.3 composite points
Access Clarity scores 28.9 — up to +14.2 composite points
Operational Transparency scores 10.5 — up to +11.6 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

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 the provider profile at artifacts.apis.io/nova-credit/apis.yml: open an issue on github.com/api-evangelist/nova-credit to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
Consumer Lending Licensing (UK, US, Canada credit licence registers)	standard	34.5 (thin)	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Standards implemented 1

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

SCIM 2.0

prose — states compatibility; nothing published to check it against

5 core of 24 operations graded · api-commons/identity

APIs 1

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

Nova Credit Platform API

Unified REST API surface across Nova Credit's products (Credit Passport v4, Cash Atlas v2, Income Navigator v2, Eligibility Compass v1). Server-side clients authenticate with HT...

Event Specifications 1

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

Nova Credit Webhooks

ASYNCAPI

Security Posture 3

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

Nova Credit Authentication

http-basic/http-bearer · 2 schemes

SECURITY

Nova Credit Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Nova Credit Trust Center

trust center published

SECURITY

Resources

Get Started 3

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

GettingStarted

GettingStarted

Sandbox

Sandbox

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

X-MCPServerCandidate

X-MCPServerCandidate

LLMsTxt

LLMsTxt

Design & Contract 7

Pagination, idempotency, versioning, errors, and events

Conventions

ErrorCatalog

Lifecycle

Webhooks

Conformance

Components

DataModel

Scroll for all 7

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Access & Security 3

Authentication, authorization, and security posture

Authentication

Authentication

DomainSecurity

DomainSecurity

TrustCenter

TrustCenter

Operate 2

Status, limits, changes, and where to get help

Support

Support

HelpCenter

HelpCenter

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

Source (apis.yml)

aid: nova-credit
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:
  - authentication
  - security
  - sandbox
  generated: '2026-11-06'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/nova-credit.png
name: Nova Credit
description: Nova Credit is a fintech consumer-credit-data platform that gives lenders and financial institutions a single
  API to access unified consumer credit data from more than 26 sources — international credit bureaus, bank-transaction aggregators,
  payroll systems, and automated document data. Its products (Credit Passport, Cash Atlas, Income Navigator, and Eligibility
  Compass) let institutions underwrite qualified newcomers and thin-file applicants with translated international credit history,
  run cashflow-based underwriting from bank data, automate income verification with fraud detection, and speed income/asset
  verification for affordable housing. The developer platform exposes REST APIs over api.novacredit.com with a dedicated sandbox
  host, HTTP Basic to short-lived Bearer authentication, JWE-encrypted report payloads, hosted NovaConnect consent webviews,
  webhooks, SCIM and SSO.
url: https://raw.githubusercontent.com/api-evangelist/nova-credit/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- general-catalyst
- index-ventures
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-20'
x-docs-platform: docusaurus
x-docs-platform-confidence: medium
x-docs-platform-checked: 2026-10-04
tags:
- Company
- Credit Data
- Consumer Credit
- Credit Bureau
- Income Verification
- Underwriting
- Fintech
- Financial Services
- Lending
- Cash Flow Underwriting
- Identity
tags_raw:
- Company
- Credit Data
- Consumer Credit
- Credit Bureau
- Income Verification
- Underwriting
- Fintech
- Financial Services
- Lending
- Cash Flow Underwriting
- Identity
- Financial-Services
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
apis:
- name: Nova Credit Platform API
  description: Unified REST API surface across Nova Credit's products (Credit Passport v4, Cash Atlas v2, Income Navigator
    v2, Eligibility Compass v1). Server-side clients authenticate with HTTP Basic to mint a short-lived Bearer accessToken,
    then create consumers, initialize NovaConnect sessions, and retrieve JWE-encrypted reports.
  humanURL: https://docs.novacredit.com
  baseURL: https://api.novacredit.com
  tags:
  - Credit Data
  - Income Verification
  - Underwriting
  properties:
  - type: Documentation
    url: https://docs.novacredit.com
  - type: APIReference
    url: https://docs.novacredit.com/credit-passport/v4
  - type: GettingStarted
    url: https://docs.novacredit.com/credit-passport-quickstart
  - type: Authentication
    url: authentication/nova-credit-authentication.yml
  - type: Sandbox
    url: https://api.sandbox.novacredit.com
  - type: Webhooks
    url: asyncapi/nova-credit-webhooks.yml
common:
- type: Website
  url: https://www.novacredit.com
- type: DeveloperPortal
  url: https://docs.novacredit.com
- type: Documentation
  url: https://docs.novacredit.com
- type: APIReference
  url: https://docs.novacredit.com/credit-passport/v4
- type: GettingStarted
  url: https://docs.novacredit.com/credit-passport-quickstart
- type: Support
  url: https://www.novacredit.com/contact
- type: HelpCenter
  url: https://novacreditsupport.zendesk.com/hc/en-us
- type: Blog
  url: https://www.novacredit.com/corporate-blog
- type: GitHubOrganization
  url: https://github.com/novacredit
- type: TermsOfService
  url: https://www.novacredit.com/terms
- type: PrivacyPolicy
  url: https://www.novacredit.com/privacy
- type: Authentication
  url: authentication/nova-credit-authentication.yml
- type: Conventions
  url: conventions/nova-credit-conventions.yml
- type: ErrorCatalog
  url: errors/nova-credit-error-codes.yml
- type: Lifecycle
  url: lifecycle/nova-credit-lifecycle.yml
- type: Sandbox
  url: sandbox/nova-credit-sandbox.yml
- type: Webhooks
  url: asyncapi/nova-credit-webhooks.yml
- type: Conformance
  url: conformance/nova-credit-conformance.yml
- type: Components
  url: components/nova-credit-components.yml
- type: DataModel
  url: data-model/nova-credit-data-model.yml
- type: X-MCPServerCandidate
  url: mcp/nova-credit-mcp.yml
  note: 'Renamed from MCPServer 2026-09-03 (roadmap#247): the manifest self-describes as status: candidate — a tool list derived
    from the published API contracts, not an existing server. The scorer already read the manifest and reported mcp_server
    correctly; the MCPServer type was crediting the artifact-type surfaces with a server that does not exist.'
- type: LLMsTxt
  url: llms/nova-credit-llms.txt
- type: DomainSecurity
  url: security/nova-credit-domain-security.yml
- type: TrustCenter
  url: security/nova-credit-trust-center.yml
x-enrichment:
  date: '2026-07-20'
  status: enriched
  artifacts_added: 14
  pass: local-v1

Nova Credit API — frequently asked questions

Does Nova Credit have an API?

Yes. APIs.io lists 1 API from Nova Credit, including Nova Credit Platform API.

How do I authenticate with the Nova Credit API?

Nova Credit uses bearer-token authentication (http-basic/http-bearer · 2 schemes). The details are profiled on APIs.io as Nova Credit Authentication.

Is the Nova Credit API ready for AI agents?

Nova Credit has a Kin Score of 39.3 out of 100 (developing) and an Agent Readiness score of 22.7 (agent-aware), scored by API Evangelist on 2026-11-06.

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