# Onit

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

Onit is a Kenyan digital bank operated by Onit Microfinance Bank Inc. and regulated by the Central Bank of Kenya (CBK), with deposits protected by the Kenya Deposit Insurance Corporation (KDIC). Formerly known as Shara, Onit provides a free peer-to-peer transaction network linking consumers, businesses, and suppliers: users can send and receive money instantly and at no cost between Onit accounts, run separate personal and business accounts, and access loans and checkout/BNPL finance from a single mobile app. The company positions open APIs as part of its offering to let partners and merchants integrate consumer payments, though it does not currently publish a public developer portal or API documentation. Onit is a portfolio company of Speedinvest and operates in the emerging-markets fintech space.

## Kin Score — 1.5 / 100 (minimal)

Scored 2026-08-20 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 — **Banking & Open Finance**: 7.6 (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)

- **Onit Domain Security** — TLSv1.3 · DNSSEC · DMARC

## Tags

Company, Fintech, Neobank, Banking, Payments, Mobile Money, Kenya, Africa, Microfinance, Financial-Services

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