# Oatfi

**Canonical:** https://apis.io/providers/oatfi/  
**Website:** https://oatfi.com/  
**APIs profiled:** 0

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.

## Kin Score — 13.1 / 100 (emerging)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 13.1).

| Facet | Score |
|---|---|
| Discoverability | 50.0 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 7.1 |
| Commercial Clarity | 35.5 |
| Access Clarity | 35.5 |

Regulatory layer — **Payments**: 29.7 (matched via tags).

## Agent readiness — 0.0 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## Security (1)

- **Oatfi Domain Security** — TLSv1.3 · HSTS

## Tags

Company, Fintech, Embedded Finance, B2B Payments, Embedded Lending, Working Capital, Accounts Payable, Accounts Receivable, Commercial Cards, Credit

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/oatfi/). Scores are computed from the provider's own public artifacts under a published rubric.