Oatfi

OatFi is a fintech infrastructure company that describes itself as "The Modern Credit Network for B2B Payments." It provides embedded credit, lending, and working-capital products that platforms and marketplaces can offer inside their own payment workflows. Its product surface spans Accounts Payable (flexible payment terms for buyers), Accounts Receivable (guaranteed or early supplier payouts), and Commercial Charge Cards (scaled credit and capital for commercial card programs), backed by modular components for KYB and fraud verification, underwriting, origination, loan management, capital-markets access, and collections. OatFi exposes these capabilities through APIs for approvals, settlements, and reconciliation. The developer documentation (docs.oatfi.com, a ReadMe hub) and dashboard are access-gated, so no public OpenAPI or API reference is available for cataloging at this time. Backed by QED Investors.

Oatfi is profiled on the APIs.io network. Tagged areas include Company, Fintech, Embedded Finance, B2B Payments, and Embedded Lending.

Oatfi’s developer surface includes documentation, support, engineering blog, and 7 more developer resources.

🌐 Visit website 📡 Source on GitHub
18.2/100 emerging ▬ flat Agent 0/100 human only Full breakdown ↓
scored 2026-07-27 · rubric v0.5
0 APIs
CompanyFintechEmbedded FinanceB2B PaymentsEmbedded LendingWorking CapitalAccounts PayableAccounts ReceivableCommercial CardsCredit

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 18.2/100 · emerging
Contract Quality 0.0 / 25
Developer Ergonomics 3.0 / 20
Commercial Clarity 8.4 / 20
Operational Transparency 0.0 / 13
Governance 0.0 / 12
Discoverability 6.8 / 10
Agent readiness — 0/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
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
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/oatfi: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

Security Posture 1

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

Oatfi Domain Security

TLSv1.3 · HSTS

SECURITY

Resources

Get Started 1

Portal, sign-up, and the first successful call

Login
Login

Documentation 1

Reference material describing how the API behaves

Documentation
Documentation

Access & Security 2

Authentication, authorization, and security posture

TrustCenter
TrustCenter
 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 3

The organization behind the API

Website
Website
 Blog
Blog
 About
About

Source (apis.yml)

apis.yml Raw ↑ 
aid: oatfi
name: Oatfi
description: OatFi is a fintech infrastructure company that describes itself as "The Modern Credit Network for B2B Payments."
  It provides embedded credit, lending, and working-capital products that platforms and marketplaces can offer inside their
  own payment workflows. Its product surface spans Accounts Payable (flexible payment terms for buyers), Accounts Receivable
  (guaranteed or early supplier payouts), and Commercial Charge Cards (scaled credit and capital for commercial card programs),
  backed by modular components for KYB and fraud verification, underwriting, origination, loan management, capital-markets
  access, and collections. OatFi exposes these capabilities through APIs for approvals, settlements, and reconciliation. The
  developer documentation (docs.oatfi.com, a ReadMe hub) and dashboard are access-gated, so no public OpenAPI or API reference
  is available for cataloging at this time. Backed by QED Investors.
url: https://raw.githubusercontent.com/api-evangelist/oatfi/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- qed-investors
x-tier: stub
x-tier-reason: portfolio-lead
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source: []
  generated: '2026-07-22'
  method: derived
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-20'
image: https://cdn.prod.website-files.com/678a04495197cff2a81e6f03/67b673d79dc6335d02e5d2be_OpenGraph.png
tags:
- Company
- Fintech
- Embedded Finance
- B2B Payments
- Embedded Lending
- Working Capital
- Accounts Payable
- Accounts Receivable
- Commercial Cards
- Credit
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://oatfi.com/
- type: Documentation
  url: https://docs.oatfi.com/
- type: Login
  url: https://dashboard.oatfi.com/
- type: Support
  url: https://oatfi.com/contact
- type: Blog
  url: https://oatfi.com/newsroom
- type: About
  url: https://oatfi.com/about-us
- type: TermsOfService
  url: https://oatfi.com/platform-terms-of-service
- type: PrivacyPolicy
  url: https://oatfi.com/privacy
- type: TrustCenter
  url: https://trust.oatfi.com/
- type: DomainSecurity
  url: security/oatfi-domain-security.yml
x-enrichment:
  date: '2026-07-20'
  status: minimal
  artifacts_added: 1
  pass: local-v1