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 publishes 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 📡 Source on GitHub
40.3/100 thin ▬ flat Agent 35/100 agent aware Full breakdown ↓
scored 2026-07-27 · rubric v0.5
AccessSelf serve
1 APIs 1 MCP Servers
CompanyCredit DataConsumer CreditCredit BureauIncome VerificationUnderwritingFintechFinancial ServicesLendingCash Flow UnderwritingIdentity

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 40.3/100 · thin
Contract Quality 5.7 / 25
Developer Ergonomics 13.5 / 20
Commercial Clarity 5.8 / 20
Operational Transparency 1.7 / 13
Governance 0.0 / 12
Discoverability 9.3 / 10
Agent readiness — 35/100 · agent aware
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 12 / 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
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/nova-credit: 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 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...

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

nova-credit-mcp.yml

MCP SERVER

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

MCPServer
MCPServer
 LLMsTxt
LLMsTxt

Design & Contract 7

Pagination, idempotency, versioning, errors, and events

Conventions
Conventions
 ErrorCatalog
ErrorCatalog
 Lifecycle
Lifecycle
 Webhooks
Webhooks
 Conformance
Conformance
 Components
Components
 DataModel
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)

apis.yml Raw ↑ 
aid: nova-credit
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/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: '0.20'
created: '2026-07-17'
modified: '2026-07-20'
tags:
- Company
- Credit Data
- Consumer Credit
- Credit Bureau
- Income Verification
- Underwriting
- Fintech
- Financial Services
- Lending
- Cash Flow Underwriting
- Identity
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: MCPServer
  url: mcp/nova-credit-mcp.yml
- 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