Novicap

Novicap is a Spanish working-capital and supply-chain-finance fintech that helps companies optimize their circulating capital. Its REST API (base URL https://api.novicap.com/v1) lets partners programmatically register suppliers, submit and manage invoices, and create payment instructions and adjustments across two products: Dynamic Discounting and Confirming Standard (reverse factoring). The API uses Bearer API-key authentication with a required product_id scope, JSON payloads, and URI-path versioning, and is documented in a public developer reference. Novicap is backed by Partech and Techstars.

Novicap publishes 2 API contracts indexed on the APIs.io network: Confirming Standard API and Dynamic Discounting API. Tagged areas include Company, Financial Services, Fintech, Working Capital, and Invoice Finance.

The Novicap catalog on APIs.io includes 1 Spectral governance ruleset.

Novicap’s developer surface includes engineering blog, support, authentication, and 18 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

27.2/100 thin ▬ flat Agent 21/100 agent aware Front door AI 2/6 trace Heartbeat 100/100 alive saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

1 published contract 2 Agent Skills

Company Financial Services Fintech Working Capital Invoice Finance Supply Chain Finance Dynamic DiscountingConfirmingReverse FactoringSpain

Kin Score

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

Composite quality — 27.2/100 · thin

Contract Quality 2.4 / 19

Developer Ergonomics 7.1 / 15

Access Clarity 2.6 / 15

Operational Transparency 0.5 / 10

Contract Governance 1.6 / 9

Discoverability 5.5 / 8

Regulatory Posture 4.0 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 21/100 · 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 0 / 6

Agent Skills 5 / 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 Horizontal (data, software, accessibility, platform) 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 applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% 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 12.9 — up to +21.8 composite points
Access Clarity scores 17.1 — up to +16.6 composite points
Operational Transparency scores 5.3 — up to +12.3 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/novicap/apis.yml: open an issue on github.com/api-evangelist/novicap 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
Spanish CNMV and Banco de Espana Registers (investment firms, fund managers, crowdfunding, payment institutions)	undeclared	-	-	-

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 2

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.

OpenAPI

measured — observed by APIs.io (published)

OAuth 2.0

measured — observed by APIs.io (declared)

APIs 2

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

Novicap Confirming Standard API

Confirming (reverse factoring) invoices and payment instructions.

Novicap Dynamic Discounting API

Dynamic discounting suppliers, invoices, payment instructions and adjustments.

Open Collections 2

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

Novicap Confirming Standard API

OPEN COLLECTION

Novicap Confirming Standard Dynamic Discounting API

OPEN COLLECTION

Agent Skills 2

Packaged agent skills for driving this provider's APIs from an AI assistant.

Submit and reconcile confirming (reverse factoring) invoices

AGENT SKILL

Submit dynamic-discounting invoices and create a payment instruction

AGENT SKILL

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Novicap API Rules

49 rules · 47 errors 1 warnings 1 info

SPECTRAL

OpenAPI Overlays 1

Overlays applied on top of this provider's contracts. Each card says who wrote it: a document the provider publishes, or one API Evangelist derived or generated.

Novicap Overlay

2 actions · update · novicap-openapi.yml

DERIVED

Security Posture 2

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

Novicap Authentication

http/oauth2 · 2 schemes

SECURITY

Novicap Vulnerability Disclosure

Hackerone · security.txt · contact published

SECURITY

Resources

Get Started 2

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

Login

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

X-MCPServerCandidate

LLMsTxt

AgentSkill

WellKnown

Design & Contract 5

Pagination, idempotency, versioning, errors, and events

Conventions

ErrorCatalog

Lifecycle

DataModel

Conformance

Access & Security 4

Authentication, authorization, and security posture

Authentication

Authentication

SecurityTxt

SecurityTxt

VulnerabilityDisclosure

VulnerabilityDisclosure

Security

Security

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 1

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

Company 3

The organization behind the API

BlogRSS

BlogRSS

Website

Website

Blog

Blog

Other 1

Properties that don't map to a standard resource type

Overlay

Overlay

Source (apis.yml)

aid: novicap
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - 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
  generated: '2026-11-06'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/novicap.png
name: Novicap
description: 'Novicap is a Spanish working-capital and supply-chain-finance fintech that helps companies optimize their circulating
  capital. Its REST API (base URL https://api.novicap.com/v1) lets partners programmatically register suppliers, submit and
  manage invoices, and create payment instructions and adjustments across two products: Dynamic Discounting and Confirming
  Standard (reverse factoring). The API uses Bearer API-key authentication with a required product_id scope, JSON payloads,
  and URI-path versioning, and is documented in a public developer reference. Novicap is backed by Partech and Techstars.'
url: https://raw.githubusercontent.com/api-evangelist/novicap/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- partech
- techstars
x-tier: enriched
x-tier-reason: portfolio-lead-with-public-api
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-10-06'
tags:
- Company
- Financial Services
- Fintech
- Working Capital
- Invoice Finance
- Supply Chain Finance
- Dynamic Discounting
- Confirming
- Reverse Factoring
- Spain
tags_raw:
- Company
- Financial Services
- Fintech
- Working Capital
- Invoice Finance
- Supply Chain Finance
- Dynamic Discounting
- Confirming
- Reverse Factoring
- Spain
- Financial-Services
apis:
- aid: novicap:novicap-confirming-standard-api
  name: Novicap Confirming Standard API
  description: Confirming (reverse factoring) invoices and payment instructions.
  humanURL: https://developer.novicap.com/
  baseURL: https://api.novicap.com/v1
  tags:
  - Confirming Standard
  properties:
  - type: OpenAPI
    url: openapi/novicap-confirming-standard-api-openapi.yml
  - type: APIReference
    url: https://developer.novicap.com/
  - type: Documentation
    url: https://developer.novicap.com/
- aid: novicap:novicap-dynamic-discounting-api
  name: Novicap Dynamic Discounting API
  description: Dynamic discounting suppliers, invoices, payment instructions and adjustments.
  humanURL: https://developer.novicap.com/
  baseURL: https://api.novicap.com/v1
  tags:
  - Dynamic Discounting
  properties:
  - type: OpenAPI
    url: openapi/novicap-dynamic-discounting-api-openapi.yml
  - type: APIReference
    url: https://developer.novicap.com/
  - type: Documentation
    url: https://developer.novicap.com/
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- url: https://novicap.com/feed/
  type: BlogRSS
- type: Overlay
  url: overlays/novicap-overlay.yaml
- type: Website
  url: https://novicap.com/
- type: DeveloperPortal
  url: https://developer.novicap.com/
- type: Blog
  url: https://novicap.com/blog/
- type: Login
  url: https://app.novicap.com/users/sign_in
- type: Support
  url: mailto:support@novicap.com
- type: TermsOfService
  url: https://novicap.com/aviso-legal/
- type: Authentication
  url: authentication/novicap-authentication.yml
- type: Conventions
  url: conventions/novicap-conventions.yml
- type: ErrorCatalog
  url: errors/novicap-problem-types.yml
- type: Lifecycle
  url: lifecycle/novicap-lifecycle.yml
- type: DataModel
  url: data-model/novicap-data-model.yml
- type: Conformance
  url: conformance/novicap-conformance.yml
- type: X-MCPServerCandidate
  url: mcp/novicap-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/novicap-llms.txt
- type: AgentSkill
  url: skills/_index.yml
- type: WellKnown
  url: well-known/novicap-well-known.yml
- type: SecurityTxt
  url: well-known/novicap-security.txt
- type: VulnerabilityDisclosure
  url: security/novicap-vulnerability-disclosure.yml
- type: Security
  url: https://novicap.com/.well-known/security.txt
x-enrichment:
  date: '2026-07-20'
  status: enriched
  artifacts_added: 16
  pass: local-v1

Novicap API — frequently asked questions

Does Novicap have an API?

Yes. APIs.io lists 2 APIs from Novicap, including Novicap Confirming Standard API and Novicap Dynamic Discounting API.

Is there an OpenAPI specification for the Novicap API?

Yes. APIs.io indexes 2 OpenAPI specifications for Novicap, each linked for download from this page.

How do I authenticate with the Novicap API?

Novicap uses bearer-token authentication (http/oauth2 · 2 schemes). The details are profiled on APIs.io as Novicap Authentication.

Is the Novicap API ready for AI agents?

Novicap has a Kin Score of 27.2 out of 100 (thin) and an Agent Readiness score of 21.0 (agent-aware), scored by API Evangelist on 2026-11-06.

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