# Okcredit

**Canonical:** https://apis.io/providers/okcredit/  
**Website:** https://okcredit.in  
**APIs profiled:** 0

OkCredit is a mobile digital ledger (bahi khata) application for small business owners and merchants across India, letting shopkeepers record credit and payment transactions digitally, send automated collection reminders over SMS and WhatsApp, and share account statements with customers. The consumer-facing Android and iOS apps replace the traditional paper udhaar ledger; the company does not currently publish a public developer API, SDK, or developer portal. Added to the API Evangelist network as a portfolio company of Lightspeed Venture Partners.

## Kin Score — 1.5 / 100 (minimal)

Scored 2026-08-21 under rubric 0.12.0. Trend: flat (+0.0 from 1.5).

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

Regulatory layer — **Payments**: 9.4 (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)

- **Okcredit Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC

## Tags

Company, Fintech, Bookkeeping, Digital Ledger, Small Business, India, Payments

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