# Okra

**Canonical:** https://apis.io/providers/okra-africa/  
**Website:** https://okra.ng  
**APIs profiled:** 12

Okra was an open finance / open banking infrastructure company for Africa, headquartered in Lagos, Nigeria. Its REST APIs let businesses link end users' bank accounts (via the Okra Widget and a per-record "record" object) and then retrieve authenticated banking data - account and identity details, real-time balances, transaction history, and income - plus run KYC verifications (BVN, NUBAN, TIN, RC) and move money through bank-to-bank payments and direct debit authorizations. RETIRED: Okra quietly ceased operations in May 2025 and wound the company down; the API hosts (api.okra.ng, dash.okra.ng, docs.okra.ng, identity-api.okra.ng) no longer resolve and the okra.ng domain now serves an unrelated parked page. This entry documents the historical, now-discontinued API surface, grounded in Okra's official okraHQ/okra-node SDK and archived documentation.

## Kin Score — 34.9 / 100 (thin)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 34.9).

| Facet | Score |
|---|---|
| Discoverability | 74.1 |
| Contract Quality | 53.1 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 34.2 |
| Developer Ergonomics | 21.4 |
| Commercial Clarity | 39.5 |
| Access Clarity | 39.5 |

Regulatory layer — **Banking & Open Finance**: 15.2 (matched via tags).

## Agent readiness — 29.1 (agent-aware)

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

## Access

Freemium · Self-serve signup — onboarding: self-serve, pricing: freemium, trial: no (confidence: high).

## APIs (12)

- **Okra Accounts API** — Bank accounts a customer has linked.
- **Okra Auth API** — Authentication data for linked bank accounts.
- **Okra Balance API** — Real-time and cached account balances.
- **Okra Banks API** — Reference list of connectable banks.
- **Okra Customers API** — End-user (customer) management.
- **Okra Identity API** — Verified identity profiles.
- **Okra Income API** — Income and affordability signals.
- **Okra Payments API** — Bank-to-bank payments and direct-debit authorizations.
- **Okra Reports API** — Scheduled financial reports.
- **Okra Transactions API** — Categorized transaction history.
- **Okra Verification API** — Nigerian KYC checks (BVN, NUBAN, TIN, RC).
- **Okra Wallet API** — Billing wallet used to fund API usage.

## Agentic access (1)

- **Okra Africa Agentic Access** — 30 operations · 30 acting

## Security (2)

- **Okra Africa Authentication** — http · 1 scheme
- **Okra Africa Domain Security** — no transport/DNS hardening detected

## Plans (1)

- **Okra Africa Plans Pricing**

## Tags

Open Banking, Open Finance, Financial Data, Payments, Fintech, Account Linking, Bank Data, Africa, Nigeria, Financial Infrastructure, Retired

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