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

42.4/100 developing ▬ flat Agent 33/100 agent aware Full breakdown ↓
scored 2026-08-20 · rubric v0.12.0

AccessSelf serve

1 APIs 1 MCP Servers

CompanyCredit DataConsumer CreditCredit BureauIncome VerificationUnderwritingFintechFinancial-ServicesLendingCash Flow UnderwritingIdentity

Kin Score

Kin Score How this is scored →
scored 2026-08-20 · rubric v0.12.0

Composite quality — 42.4/100 · developing

Contract Quality 9.6 / 21

Developer Ergonomics 9.7 / 17

Access Clarity 4.9 / 17

Operational Transparency 1.2 / 11

Contract Governance 1.9 / 10

Discoverability 6.5 / 9

Regulatory Posture 6.8 / 15

Agent readiness — 33/100 · 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

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.

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/. 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.

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

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
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: '0.23'
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
tags_raw:
- 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

Nova Credit

Kin Score

APIs 1

Nova Credit Platform API

MCP Servers 1

Nova Credit MCP Server

Event Specifications 1

Nova Credit Webhooks

Security Posture 3

Nova Credit Authentication

Nova Credit Domain Security

Nova Credit Trust Center

Resources