Oper Credits

Oper Credits is a Belgian digital mortgage origination platform (Brussels, founded 2019) that lets banks, lenders, insurers, and brokers offer and process end-to-end digital mortgages. Its white-labelled, multi-tenant Oper Connect platform exposes a JWT-authenticated REST API organized around the loan request as the central object, under which borrowers, properties, offers, documents, guarantees, and decisions are nested, plus a versioned loan-request webhook surface and an AI underwriting agent ("Herman") that automates document collection, extraction, verification, and policy analysis. The platform is ISO/IEC 27001 certified and GDPR compliant.

Oper Credits publishes 52 API contracts indexed on the APIs.io network, including Agent Documents API, Appointment Booking Websites API, Approvals API, and 49 more. Tagged areas include Company, Mortgage, Lending, Credit, and Fintech.

The Oper Credits catalog on APIs.io includes 1 event-driven AsyncAPI specification and 1 Spectral governance ruleset.

Oper Credits’ developer surface includes documentation, API reference, engineering blog, support, authentication, and 22 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

43.2/100 developing ▬ flat Agent 29/100 agent ready Front door AI 5/6 prominent Heartbeat 36/100 alive saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

4 published contracts 2 Agent Skills

Company Mortgage Lending Credit Fintech Banking Loan Origination Real Estate Financial Services Underwriting

What this lets a business do 4

Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →

Credit & Lending Management

BC-1320

CalculateLoan RequestsLoan Requests Client InfoSimulators

GET /api/loan-requests/ POST /api/loan-requests/ GET /api/loan-requests/{loan_request_id}/additional-financing-needs/ POST /api/loan-requests-client-info/

Banking Product Management

BC-1310

Base Products

GET /api/base-products/ POST /api/base-products/{base_product_id}/pricing-sheets/

Banking Customer Management

BC-1300

Clients

Real Estate Valuation & Appraisal Management

BC-4970

Third Party Api

PATCH /api/third-party-api/realty-valuations/{id}/

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 43.2/100 · developing

Contract Quality 9.7 / 19

Developer Ergonomics 3.1 / 15

Access Clarity 5.5 / 15

Operational Transparency 2.1 / 10

Contract Governance 2.9 / 9

Discoverability 5.9 / 8

Regulatory Posture 4.7 / 15

Create-or-Update Ergonomics 2.8 / 10

Agent readiness — 29/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 6 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 7 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 6 / 6

Agent Skills 5 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 0 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Insurance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Rate-Limit Signaling +7 pts — OpenAPI responses document X-RateLimit-* / RateLimit headers (verified), else a rate_limits artifact or RateLimits link (documented)
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document

7 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Developer Ergonomics scores 20.8 — up to +15.8 composite points
Access Clarity scores 36.8 — up to +12.6 composite points
Contract Quality scores 51.8 — up to +12.1 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/oper-credits/apis.yml: open an issue on github.com/api-evangelist/oper-credits to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
Consumer Lending Licensing (UK, US, Canada credit licence registers)	undeclared	-	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Standards implemented 1

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

OpenAPI

measured — observed by APIs.io (published)

APIs 52

Individual APIs this provider publishes, each with its own machine-readable definition.

Oper Credits Agent Documents API

The Agent Documents API from Oper Credits — 2 operation(s) for agent documents.

Oper Credits Appointment Booking Websites API

The Appointment Booking Websites API from Oper Credits — 2 operation(s) for appointment booking websites.

Oper Credits Approvals API

The Approvals API from Oper Credits — 6 operation(s) for approvals.

Oper Credits Bank Release Policy API

The Bank Release Policy API from Oper Credits — 1 operation(s) for bank release policy.

Oper Credits Base Products API

The Base Products API from Oper Credits — 12 operation(s) for base products.

Oper Credits Calculate API

The Calculate API from Oper Credits — 7 operation(s) for calculate.

Oper Credits Check Invite Token API

The Check Invite Token API from Oper Credits — 1 operation(s) for check invite token.

Oper Credits Check Reset Password API

The Check Reset Password API from Oper Credits — 1 operation(s) for check reset password.

Oper Credits Client Users API

The Client Users API from Oper Credits — 2 operation(s) for client users.

Oper Credits Clients API

The Clients API from Oper Credits — 2 operation(s) for clients.

Oper Credits Commissions API

The Commissions API from Oper Credits — 8 operation(s) for commissions.

Oper Credits Communication History API

The Communication History API from Oper Credits — 2 operation(s) for communication history.

Oper Credits Connective API

The Connective API from Oper Credits — 2 operation(s) for connective.

Oper Credits Contact Advisor API

The Contact Advisor API from Oper Credits — 1 operation(s) for contact advisor.

Oper Credits Contact API

The Contact API from Oper Credits — 1 operation(s) for contact.

Oper Credits Contact Policy API

The Contact Policy API from Oper Credits — 1 operation(s) for contact policy.

Oper Credits Credit Providers API

The Credit Providers API from Oper Credits — 1 operation(s) for credit providers.

Oper Credits Documentation Library API

The Documentation Library API from Oper Credits — 4 operation(s) for documentation library.

Oper Credits Documents API

The Documents API from Oper Credits — 2 operation(s) for documents.

Oper Credits Easy Audit API

The Easy Audit API from Oper Credits — 1 operation(s) for easy audit.

Oper Credits Forgot Password API

The Forgot Password API from Oper Credits — 1 operation(s) for forgot password.

Oper Credits Gdpr Policy API

The Gdpr Policy API from Oper Credits — 1 operation(s) for gdpr policy.

Oper Credits Health API

The Health API from Oper Credits — 1 operation(s) for health.

Oper Credits Integrations API

The Integrations API from Oper Credits — 2 operation(s) for integrations.

Oper Credits Internaldocuments API

The Internaldocuments API from Oper Credits — 3 operation(s) for internaldocuments.

Oper Credits Jwt API

The Jwt API from Oper Credits — 2 operation(s) for jwt.

Oper Credits Legal Links API

The Legal Links API from Oper Credits — 2 operation(s) for legal links.

Oper Credits Library API

The Library API from Oper Credits — 2 operation(s) for library.

Oper Credits Loan Requests API

The Loan Requests API from Oper Credits — 113 operation(s) for loan requests.

Oper Credits Loan Requests Client Info API

The Loan Requests Client Info API from Oper Credits — 1 operation(s) for loan requests client info.

Oper Credits Main API

The Main API from Oper Credits — 30 operation(s) for main.

Oper Credits Me API

The Me API from Oper Credits — 8 operation(s) for me.

Oper Credits Metrics API

The Metrics API from Oper Credits — 1 operation(s) for metrics.

Oper Credits Model Fields API

The Model Fields API from Oper Credits — 1 operation(s) for model fields.

Oper Credits Pricing API

The Pricing API from Oper Credits — 1 operation(s) for pricing.

Oper Credits Privacy Policy API

The Privacy Policy API from Oper Credits — 1 operation(s) for privacy policy.

Oper Credits Products API

The Products API from Oper Credits — 1 operation(s) for products.

Oper Credits Reset Password API

The Reset Password API from Oper Credits — 1 operation(s) for reset password.

Oper Credits Resources API

The Resources API from Oper Credits — 332 operation(s) for resources.

Oper Credits Send Generic Email API

The Send Generic Email API from Oper Credits — 1 operation(s) for send generic email.

Oper Credits Sign In API

The Sign In API from Oper Credits — 4 operation(s) for sign in.

Oper Credits Simulators API

The Simulators API from Oper Credits — 15 operation(s) for simulators.

Oper Credits Sso API

The Sso API from Oper Credits — 2 operation(s) for sso.

Oper Credits Tasks API

The Tasks API from Oper Credits — 2 operation(s) for tasks.

Oper Credits Terms And Conditions API

The Terms And Conditions API from Oper Credits — 1 operation(s) for terms and conditions.

Oper Credits Third Parties API

The Third Parties API from Oper Credits — 20 operation(s) for third parties.

Oper Credits Third Party Api

The Third Party Api API from Oper Credits — 1 operation(s) for third party api.

Oper Credits User Management API

The User Management API from Oper Credits — 4 operation(s) for user management.

Oper Credits Users API

The Users API from Oper Credits — 1 operation(s) for users.

Oper Credits Validators API

The Validators API from Oper Credits — 1 operation(s) for validators.

Oper Credits Webhooks API

Your Webhooks tag description

Oper Credits Signup API

The Signup API from Oper Credits — 4 operation(s) for signup.

Scroll for all 52

Open Collections 52

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

Oper Credits Agent Documents API

OPEN COLLECTION

Oper Credits Agent Documents Appointment Booking Websites API

OPEN COLLECTION

Oper Credits Agent Documents Approvals API

OPEN COLLECTION

Oper Credits Agent Documents Bank Release Policy API

OPEN COLLECTION

Oper Credits Agent Documents Base Products API

OPEN COLLECTION

Oper Credits Agent Documents Calculate API

OPEN COLLECTION

Oper Credits Agent Documents Check Invite Token API

OPEN COLLECTION

Oper Credits Agent Documents Check Reset Password API

OPEN COLLECTION

Oper Credits Agent Documents Client Users API

OPEN COLLECTION

Oper Credits Agent Documents Clients API

OPEN COLLECTION

Oper Credits Agent Documents Commissions API

OPEN COLLECTION

Oper Credits Agent Documents Communication History API

OPEN COLLECTION

Oper Credits Agent Documents Connective API

OPEN COLLECTION

Oper Credits Agent Documents Contact Advisor API

OPEN COLLECTION

Oper Credits Agent Documents Contact API

OPEN COLLECTION

Oper Credits Agent Documents Contact Policy API

OPEN COLLECTION

Oper Credits Agent Documents Credit Providers API

OPEN COLLECTION

Oper Credits Agent Documents Documentation Library API

OPEN COLLECTION

Oper Credits Agent Documents API

OPEN COLLECTION

Oper Credits Agent Documents Easy Audit API

OPEN COLLECTION

Oper Credits Agent Documents Forgot Password API

OPEN COLLECTION

Oper Credits Agent Documents Gdpr Policy API

OPEN COLLECTION

Oper Credits Agent Documents Health API

OPEN COLLECTION

Oper Credits Agent Documents Integrations API

OPEN COLLECTION

Oper Credits Agent Documents Internaldocuments API

OPEN COLLECTION

Oper Credits Agent Documents Jwt API

OPEN COLLECTION

Oper Credits Agent Documents Legal Links API

OPEN COLLECTION

Oper Credits Agent Documents Library API

OPEN COLLECTION

Oper Credits Agent Documents Loan Requests API

OPEN COLLECTION

Oper Credits Agent Documents Loan Requests Client Info API

OPEN COLLECTION

Oper Credits Agent Documents Main API

OPEN COLLECTION

Oper Credits Agent Documents Me API

OPEN COLLECTION

Oper Credits Agent Documents Metrics API

OPEN COLLECTION

Oper Credits Agent Documents Model Fields API

OPEN COLLECTION

Oper Credits Agent Documents Pricing API

OPEN COLLECTION

Oper Credits Agent Documents Privacy Policy API

OPEN COLLECTION

Oper Credits Agent Documents Products API

OPEN COLLECTION

Oper Credits Agent Documents Reset Password API

OPEN COLLECTION

Oper Credits Agent Documents Resources API

OPEN COLLECTION

Oper Credits Agent Documents Send Generic Email API

OPEN COLLECTION

Oper Credits Agent Documents Sign In API

OPEN COLLECTION

Oper Credits Agent Documents Sign Up API

OPEN COLLECTION

Oper Credits Agent Documents Simulators API

OPEN COLLECTION

Oper Credits Agent Documents Sso API

OPEN COLLECTION

Oper Credits Agent Documents Tasks API

OPEN COLLECTION

Oper Credits Agent Documents Terms And Conditions API

OPEN COLLECTION

Oper Credits Agent Documents Third Parties API

OPEN COLLECTION

Oper Credits Agent Documents Third Party Api API

OPEN COLLECTION

Oper Credits Agent Documents User Management API

OPEN COLLECTION

Oper Credits Agent Documents Users API

OPEN COLLECTION

Oper Credits Agent Documents Validators API

OPEN COLLECTION

Oper Credits Agent Documents Webhooks API

OPEN COLLECTION

Scroll for all 52

Agent Skills 2

Packaged agent skills for driving this provider's APIs from an AI assistant.

Originate a mortgage loan request

AGENT SKILL

Quote and place a mortgage offer

AGENT SKILL

Event Specifications 1

AsyncAPI definitions for this provider's event-driven and streaming APIs.

Oper Credits Webhooks

ASYNCAPI

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Oper Credits API Rules

55 rules · 35 errors 16 warnings 4 info

SPECTRAL

OpenAPI Overlays 1

Overlays applied on top of this provider's contracts. Each card says who wrote it: a document the provider publishes, or one API Evangelist derived or generated.

Oper Credits Api Overlay

1 action · update · oper-credits-api-openapi.json

DERIVED

Security Posture 4

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

Oper Credits Authentication

http · 1 scheme

SECURITY

Oper Credits Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Oper Credits Vulnerability Disclosure

Hackerone · contact published

SECURITY

Oper Credits Trust Center

ISO 27001, GDPR

SECURITY

Resources

Get Started 1

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 3

MCP servers, agent skills, and machine-readable catalogs

X-MCPServerCandidate

X-MCPServerCandidate

AgentSkill

AgentSkill

LLMsTxt

LLMsTxt

Design & Contract 6

Pagination, idempotency, versioning, errors, and events

Conventions

ErrorCatalog

DataModel

Lifecycle

Conformance

Webhooks

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Access & Security 6

Authentication, authorization, and security posture

Authentication

Authentication

Compliance

Compliance

DomainSecurity

DomainSecurity

VulnerabilityDisclosure

VulnerabilityDisclosure

Security

Security

TrustCenter

TrustCenter

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

BlogRSS

BlogRSS

Website

Website

Blog

Blog

Other 2

Properties that don't map to a standard resource type

CapabilityMap

CapabilityMap

Overlay

Overlay

Source (apis.yml)

aid: oper-credits
name: Oper Credits
description: Oper Credits is a Belgian digital mortgage origination platform (Brussels, founded 2019) that lets banks, lenders,
  insurers, and brokers offer and process end-to-end digital mortgages. Its white-labelled, multi-tenant Oper Connect platform
  exposes a JWT-authenticated REST API organized around the loan request as the central object, under which borrowers, properties,
  offers, documents, guarantees, and decisions are nested, plus a versioned loan-request webhook surface and an AI underwriting
  agent ("Herman") that automates document collection, extraction, verification, and policy analysis. The platform is ISO/IEC
  27001 certified and GDPR compliant.
url: https://raw.githubusercontent.com/api-evangelist/oper-credits/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- techstars
x-tier: stub
x-tier-reason: portfolio-lead
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - authentication
  - security
  generated: '2026-11-06'
  method: derived
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-10-06'
image: https://cdn.prod.website-files.com/64f9bcce0d3210a55e4458ee/6530e0daf5885d89e8bf233f_Screenshot%202023-10-19%20at%2009.54.44.png
x-docs-platform: redocly
x-docs-platform-confidence: medium
x-docs-platform-checked: 2026-10-04
tags:
- Company
- Mortgage
- Lending
- Credit
- Fintech
- Banking
- Loan Origination
- Real Estate
- Financial Services
- Underwriting
tags_raw:
- Company
- Mortgages
- Lending
- Credit
- Fintech
- Banking
- Loan Origination
- Real Estate
- Financial Services
- Real-Estate
- Financial-Services
- Underwriting
apis:
- aid: oper-credits:oper-credits-agent-documents-api
  name: Oper Credits Agent Documents API
  description: The Agent Documents API from Oper Credits — 2 operation(s) for agent documents.
  humanURL: https://developers.opercredits.com/
  baseURL: https://developers.opercredits.com/
  tags:
  - Agent Documents
  properties:
  - type: OpenAPI
    url: openapi/oper-credits-agent-documents-api-openapi.yml
- aid: oper-credits:oper-credits-appointment-booking-websites-api
  name: Oper Credits Appointment Booking Websites API
  description: The Appointment Booking Websites API from Oper Credits — 2 operation(s) for appointment booking websites.
  humanURL: https://developers.opercredits.com/
  baseURL: https://developers.opercredits.com/
  tags:
  - Appointment Booking Websites
  properties:
  - type: OpenAPI
    url: openapi/oper-credits-appointment-booking-websites-api-openapi.yml
- aid: oper-credits:oper-credits-approvals-api
  name: Oper Credits Approvals API
  description: The Approvals API from Oper Credits — 6 operation(s) for approvals.
  humanURL: https://developers.opercredits.com/
  baseURL: https://developers.opercredits.com/
  tags:
  - Approvals
  properties:
  - type: OpenAPI
    url: openapi/oper-credits-approvals-api-openapi.yml
- aid: oper-credits:oper-credits-bank-release-policy-api
  name: Oper Credits Bank Release Policy API
  description: The Bank Release Policy API from Oper Credits — 1 operation(s) for bank release policy.
  humanURL: https://developers.opercredits.com/
  baseURL: https://developers.opercredits.com/
  tags:
  - Bank Release Policy
  properties:
  - type: OpenAPI
    url: openapi/oper-credits-bank-release-policy-api-openapi.yml
- aid: oper-credits:oper-credits-base-products-api
  name: Oper Credits Base Products API
  description: The Base Products API from Oper Credits — 12 operation(s) for base products.
  humanURL: https://developers.opercredits.com/
  baseURL: https://developers.opercredits.com/
  tags:
  - Base Products
  properties:
  - type: OpenAPI
    url: openapi/oper-credits-base-products-api-openapi.yml
- aid: oper-credits:oper-credits-calculate-api
  name: Oper Credits Calculate API
  description: The Calculate API from Oper Credits — 7 operation(s) for calculate.
  humanURL: https://developers.opercredits.com/
  baseURL: https://developers.opercredits.com/
  tags:
  - Calculate
  properties:
  - type: OpenAPI
    url: openapi/oper-credits-calculate-api-openapi.yml
- aid: oper-credits:oper-credits-check-invite-token-api
  name: Oper Credits Check Invite Token API
  description: The Check Invite Token API from Oper Credits — 1 operation(s) for check invite token.
  humanURL: https://developers.opercredits.com/
  baseURL: https://developers.opercredits.com/
  tags:
  - Check Invite Token
  properties:
  - type: OpenAPI
    url: openapi/oper-credits-check-invite-token-api-openapi.yml
- aid: oper-credits:oper-credits-check-reset-password-api
  name: Oper Credits Check Reset Password API
  description: The Check Reset Password API from Oper Credits — 1 operation(s) for check reset password.
  humanURL: https://developers.opercredits.com/
  baseURL: https://developers.opercredits.com/
  tags:
  - Check Reset Password
  properties:
  - type: OpenAPI
    url: openapi/oper-credits-check-reset-password-api-openapi.yml
- aid: oper-credits:oper-credits-client-users-api
  name: Oper Credits Client Users API
  description: The Client Users API from Oper Credits — 2 operation(s) for client users.
  humanURL: https://developers.opercredits.com/
  baseURL: https://developers.opercredits.com/
  tags:
  - Client Users
  properties:
  - type: OpenAPI
    url: openapi/oper-credits-client-users-api-openapi.yml
- aid: oper-credits:oper-credits-clients-api
  name: Oper Credits Clients API
  description: The Clients API from Oper Credits — 2 operation(s) for clients.
  humanURL: https://developers.opercredits.com/
  baseURL: https://developers.opercredits.com/
  tags:
  - Clients
  properties:
  - type: OpenAPI
    url: openapi/oper-credits-clients-api-openapi.yml
- aid: oper-credits:oper-credits-commissions-api
  name: Oper Credits Commissions API
  description: The Commissions API from Oper Credits — 8 operation(s) for commissions.
  humanURL: https://developers.opercredits.com/
  baseURL: https://developers.opercredits.com/
  tags:
  - Commissions
  properties:
  - type: OpenAPI
    url: openapi/oper-credits-commissions-api-openapi.yml
- aid: oper-credits:oper-credits-communication-history-api
  name: Oper Credits Communication History API
  description: The Communication History API from Oper Credits — 2 operation(s) for communication history.
  humanURL: https://developers.opercredits.com/
  baseURL: https://developers.opercredits.com/
  tags:
  - Communication History
  properties:
  - type: OpenAPI
    url: openapi/oper-credits-communication-history-api-openapi.yml
- aid: oper-credits:oper-credits-connective-api
  name: Oper Credits Connective API
  description: The Connective API from Oper Credits — 2 operation(s) for connective.
  humanURL: https://developers.opercredits.com/
  baseURL: https://developers.opercredits.com/
  tags:
  - Connective
  properties:
  - type: OpenAPI
    url: openapi/oper-credits-connective-api-openapi.yml
- aid: oper-credits:oper-credits-contact-advisor-api
  name: Oper Credits Contact Advisor API
  description: The Contact Advisor API from Oper Credits — 1 operation(s) for contact advisor.
  humanURL: https://developers.opercredits.com/
  baseURL: https://developers.opercredits.com/
  tags:
  - Contact Advisor
  properties:
  - type: OpenAPI
    url: openapi/oper-credits-contact-advisor-api-openapi.yml
- aid: oper-credits:oper-credits-contact-api
  name: Oper Credits Contact API
  description: The Contact API from Oper Credits — 1 operation(s) for contact.
  humanURL: https://developers.opercredits.com/
  baseURL: https://developers.opercredits.com/
  tags:
  - Contact
  properties:
  - type: OpenAPI
    url: openapi/oper-credits-contact-api-openapi.yml
- aid: oper-credits:oper-credits-contact-policy-api
  name: Oper Credits Contact Policy API
  description: The Contact Policy API from Oper Credits — 1 operation(s) for contact policy.
  humanURL: https://developers.opercredits.com/
  baseURL: https://developers.opercredits.com/
  tags:
  - Contact Policy
  properties:
  - type: OpenAPI
    url: openapi/oper-credits-contact-policy-api-openapi.yml
- aid: oper-credits:oper-credits-credit-providers-api
  name: Oper Credits Credit Providers API
  description: The Credit Providers API from Oper Credits — 1 operation(s) for credit providers.
  humanURL: https://developers.opercredits.com/
  baseURL: https://developers.opercredits.com/
  tags:
  - Credit Providers
  properties:
  - type: OpenAPI
    url: openapi/oper-credits-credit-providers-api-openapi.yml
- aid: oper-credits:oper-credits-documentation-library-api
  name: Oper Credits Documentation Library API
  description: The Documentation Library API from Oper Credits — 4 operation(s) for documentation library.
  humanURL: https://developers.opercredits.com/
  baseURL: https://developers.opercredits.com/
  tags:
  - Documentation Library
  properties:
  - type: OpenAPI
    url: openapi/oper-credits-documentation-library-api-openapi.yml
- aid: oper-credits:oper-credits-documents-api
  name: Oper Credits Documents API
  description: The Documents API from Oper Credits — 2 operation(s) for documents.
  humanURL: https://developers.opercredits.com/
  baseURL: https://developers.opercredits.com/
  tags:
  - Documents
  properties:
  - type: OpenAPI
    url: openapi/oper-credits-documents-api-openapi.yml
- aid: oper-credits:oper-credits-easy-audit-api
  name: Oper Credits Easy Audit API
  description: The Easy Audit API from Oper Credits — 1 operation(s) for easy audit.
  humanURL: https://developers.opercredits.com/
  baseURL: https://developers.opercredits.com/
  tags:
  - Easy Audit
  properties:
  - type: OpenAPI
    url: openapi/oper-credits-easy-audit-api-openapi.yml
- aid: oper-credits:oper-credits-forgot-password-api
  name: Oper Credits Forgot Password API
  description: The Forgot Password API from Oper Credits — 1 operation(s) for forgot password.
  humanURL: https://developers.opercredits.com/
  baseURL: https://developers.opercredits.com/
  tags:
  - Forgot Password
  properties:
  - type: OpenAPI
    url: openapi/oper-credits-forgot-password-api-openapi.yml
- aid: oper-credits:oper-credits-gdpr-policy-api
  name: Oper Credits Gdpr Policy API
  description: The Gdpr Policy API from Oper Credits — 1 operation(s) for gdpr policy.
  humanURL: https://developers.opercredits.com/
  baseURL: https://developers.opercredits.com/
  tags:
  - Gdpr Policy
  properties:
  - type: OpenAPI
    url: openapi/oper-credits-gdpr-policy-api-openapi.yml
- aid: oper-credits:oper-credits-health-api
  name: Oper Credits Health API
  description: The Health API from Oper Credits — 1 operation(s) for health.
  humanURL: https://developers.opercredits.com/
  baseURL: https://developers.opercredits.com/
  tags:
  - Health
  properties:
  - type: OpenAPI
    url: openapi/oper-credits-health-api-openapi.yml
- aid: oper-credits:oper-credits-integrations-api
  name: Oper Credits Integrations API
  description: The Integrations API from Oper Credits — 2 operation(s) for integrations.
  humanURL: https://developers.opercredits.com/
  baseURL: https://developers.opercredits.com/
  tags:
  - Integration
  tags_raw:
  - Integrations
  properties:
  - type: OpenAPI
    url: openapi/oper-credits-integrations-api-openapi.yml
- aid: oper-credits:oper-credits-internaldocuments-api
  name: Oper Credits Internaldocuments API
  description: The Internaldocuments API from Oper Credits — 3 operation(s) for internaldocuments.
  humanURL: https://developers.opercredits.com/
  baseURL: https://developers.opercredits.com/
  tags:
  - Internaldocuments
  properties:
  - type: OpenAPI
    url: openapi/oper-credits-internaldocuments-api-openapi.yml
- aid: oper-credits:oper-credits-jwt-api
  name: Oper Credits Jwt API
  description: The Jwt API from Oper Credits — 2 operation(s) for jwt.
  humanURL: https://developers.opercredits.com/
  baseURL: https://developers.opercredits.com/
  tags:
  - JWT
  tags_raw:
  - Jwt
  properties:
  - type: OpenAPI
    url: openapi/oper-credits-jwt-api-openapi.yml
- aid: oper-credits:oper-credits-legal-links-api
  name: Oper Credits Legal Links API
  description: The Legal Links API from Oper Credits — 2 operation(s) for legal links.
  humanURL: https://developers.opercredits.com/
  baseURL: https://developers.opercredits.com/
  tags:
  - Legal Links
  properties:
  - type: OpenAPI
    url: openapi/oper-credits-legal-links-api-openapi.yml
- aid: oper-credits:oper-credits-library-api
  name: Oper Credits Library API
  description: The Library API from Oper Credits — 2 operation(s) for library.
  humanURL: https://developers.opercredits.com/
  baseURL: https://developers.opercredits.com/
  tags:
  - Library
  properties:
  - type: OpenAPI
    url: openapi/oper-credits-library-api-openapi.yml
- aid: oper-credits:oper-credits-loan-requests-api
  name: Oper Credits Loan Requests API
  description: The Loan Requests API from Oper Credits — 113 operation(s) for loan requests.
  humanURL: https://developers.opercredits.com/
  baseURL: https://developers.opercredits.com/
  tags:
  - Loan Requests
  properties:
  - type: OpenAPI
    url: openapi/oper-credits-loan-requests-api-openapi.yml
- aid: oper-credits:oper-credits-loan-requests-client-info-api
  name: Oper Credits Loan Requests Client Info API
  description: The Loan Requests Client Info API from Oper Credits — 1 operation(s) for loan requests client info.
  humanURL: https://developers.opercredits.com/
  baseURL: https://developers.opercredits.com/
  tags:
  - Loan Requests Client Info
  properties:
  - type: OpenAPI
    url: openapi/oper-credits-loan-requests-client-info-api-openapi.yml
- aid: oper-credits:oper-credits-main-api
  name: Oper Credits Main API
  description: The Main API from Oper Credits — 30 operation(s) for main.
  humanURL: https://developers.opercredits.com/
  baseURL: https://developers.opercredits.com/
  tags:
  - Main
  properties:
  - type: OpenAPI
    url: openapi/oper-credits-main-api-openapi.yml
- aid: oper-credits:oper-credits-me-api
  name: Oper Credits Me API
  description: The Me API from Oper Credits — 8 operation(s) for me.
  humanURL: https://developers.opercredits.com/
  baseURL: https://developers.opercredits.com/
  tags:
  - Me
  properties:
  - type: OpenAPI
    url: openapi/oper-credits-me-api-openapi.yml
- aid: oper-credits:oper-credits-metrics-api
  name: Oper Credits Metrics API
  description: The Metrics API from Oper Credits — 1 operation(s) for metrics.
  humanURL: https://developers.opercredits.com/
  baseURL: https://developers.opercredits.com/
  tags:
  - Metrics
  properties:
  - type: OpenAPI
    url: openapi/oper-credits-metrics-api-openapi.yml
- aid: oper-credits:oper-credits-model-fields-api
  name: Oper Credits Model Fields API
  description: The Model Fields API from Oper Credits — 1 operation(s) for model fields.
  humanURL: https://developers.opercredits.com/
  baseURL: https://developers.opercredits.com/
  tags:
  - Model Fields
  properties:
  - type: OpenAPI
    url: openapi/oper-credits-model-fields-api-openapi.yml
- aid: oper-credits:oper-credits-pricing-api
  name: Oper Credits Pricing API
  description: The Pricing API from Oper Credits — 1 operation(s) for pricing.
  humanURL: https://developers.opercredits.com/
  baseURL: https://developers.opercredits.com/
  tags:
  - Pricing
  properties:
  - type: OpenAPI
    url: openapi/oper-credits-pricing-api-openapi.yml
- aid: oper-credits:oper-credits-privacy-policy-api
  name: Oper Credits Privacy Policy API
  description: The Privacy Policy API from Oper Credits — 1 operation(s) for privacy policy.
  humanURL: https://developers.opercredits.com/
  baseURL: https://developers.opercredits.com/
  tags:
  - Privacy Policy
  properties:
  - type: OpenAPI
    url: openapi/oper-credits-privacy-policy-api-openapi.yml
- aid: oper-credits:oper-credits-products-api
  name: Oper Credits Products API
  description: The Products API from Oper Credits — 1 operation(s) for products.
  humanURL: https://developers.opercredits.com/
  baseURL: https://developers.opercredits.com/
  tags:
  - Product
  tags_raw:
  - Products
  properties:
  - type: OpenAPI
    url: openapi/oper-credits-products-api-openapi.yml
- aid: oper-credits:oper-credits-reset-password-api
  name: Oper Credits Reset Password API
  description: The Reset Password API from Oper Credits — 1 operation(s) for reset password.
  humanURL: https://developers.opercredits.com/
  baseURL: https://developers.opercredits.com/
  tags:
  - Reset Password
  properties:
  - type: OpenAPI
    url: openapi/oper-credits-reset-password-api-openapi.yml
- aid: oper-credits:oper-credits-resources-api
  name: Oper Credits Resources API
  description: The Resources API from Oper Credits — 332 operation(s) for resources.
  humanURL: https://developers.opercredits.com/
  baseURL: https://developers.opercredits.com/
  tags:
  - Resources
  properties:
  - type: OpenAPI
    url: openapi/oper-credits-resources-api-openapi.yml
- aid: oper-credits:oper-credits-send-generic-email-api
  name: Oper Credits Send Generic Email API
  description: The Send Generic Email API from Oper Credits — 1 operation(s) for send generic email.
  humanURL: https://developers.opercredits.com/
  baseURL: https://developers.opercredits.com/
  tags:
  - Send Generic Email
  properties:
  - type: OpenAPI
    url: openapi/oper-credits-send-generic-email-api-openapi.yml
- aid: oper-credits:oper-credits-sign-in-api
  name: Oper Credits Sign In API
  description: The Sign In API from Oper Credits — 4 operation(s) for sign in.
  humanURL: https://developers.opercredits.com/
  baseURL: https://developers.opercredits.com/
  tags:
  - Sign In
  properties:
  - type: OpenAPI
    url: openapi/oper-credits-sign-in-api-openapi.yml
- aid: oper-credits:oper-credits-simulators-api
  name: Oper Credits Simulators API
  description: The Simulators API from Oper Credits — 15 operation(s) for simulators.
  humanURL: https://developers.opercredits.com/
  baseURL: https://developers.opercredits.com/
  tags:
  - Simulator
  tags_raw:
  - Simulators
  properties:
  - type: OpenAPI
    url: openapi/oper-credits-simulators-api-openapi.yml
- aid: oper-credits:oper-credits-sso-api
  name: Oper Credits Sso API
  description: The Sso API from Oper Credits — 2 operation(s) for sso.
  humanURL: https://developers.opercredits.com/
  baseURL: https://developers.opercredits.com/
  tags:
  - SSO
  tags_raw:
  - Sso
  properties:
  - type: OpenAPI
    url: openapi/oper-credits-sso-api-openapi.yml
- aid: oper-credits:oper-credits-tasks-api
  name: Oper Credits Tasks API
  description: The Tasks API from Oper Credits — 2 operation(s) for tasks.
  humanURL: https://developers.opercredits.com/
  baseURL: https://developers.opercredits.com/
  tags:
  - Task
  tags_raw:
  - Tasks
  properties:
  - type: OpenAPI
    url: openapi/oper-credits-tasks-api-openapi.yml
- aid: oper-credits:oper-credits-terms-and-conditions-api
  name: Oper Credits Terms And Conditions API
  description: The Terms And Conditions API from Oper Credits — 1 operation(s) for terms and conditions.
  humanURL: https://developers.opercredits.com/
  baseURL: https://developers.opercredits.com/
  tags:
  - Terms And Conditions
  properties:
  - type: OpenAPI
    url: openapi/oper-credits-terms-and-conditions-api-openapi.yml
- aid: oper-credits:oper-credits-third-parties-api
  name: Oper Credits Third Parties API
  description: The Third Parties API from Oper Credits — 20 operation(s) for third parties.
  humanURL: https://developers.opercredits.com/
  baseURL: https://developers.opercredits.com/
  tags:
  - Third Parties
  properties:
  - type: OpenAPI
    url: openapi/oper-credits-third-parties-api-openapi.yml
- aid: oper-credits:oper-credits-third-party-api-api
  name: Oper Credits Third Party Api
  description: The Third Party Api API from Oper Credits — 1 operation(s) for third party api.
  humanURL: https://developers.opercredits.com/
  baseURL: https://developers.opercredits.com/
  tags:
  - Third Party Api
  properties:
  - type: OpenAPI
    url: openapi/oper-credits-third-party-api-api-openapi.yml
- aid: oper-credits:oper-credits-user-management-api
  name: Oper Credits User Management API
  description: The User Management API from Oper Credits — 4 operation(s) for user management.
  humanURL: https://developers.opercredits.com/
  baseURL: https://developers.opercredits.com/
  tags:
  - User Management
  properties:
  - type: OpenAPI
    url: openapi/oper-credits-user-management-api-openapi.yml
- aid: oper-credits:oper-credits-users-api
  name: Oper Credits Users API
  description: The Users API from Oper Credits — 1 operation(s) for users.
  humanURL: https://developers.opercredits.com/
  baseURL: https://developers.opercredits.com/
  tags:
  - User
  tags_raw:
  - Users
  properties:
  - type: OpenAPI
    url: openapi/oper-credits-users-api-openapi.yml
- aid: oper-credits:oper-credits-validators-api
  name: Oper Credits Validators API
  description: The Validators API from Oper Credits — 1 operation(s) for validators.
  humanURL: https://developers.opercredits.com/
  baseURL: https://developers.opercredits.com/
  tags:
  - Validator
  tags_raw:
  - Validators
  properties:
  - type: OpenAPI
    url: openapi/oper-credits-validators-api-openapi.yml
- aid: oper-credits:oper-credits-webhooks-api
  name: Oper Credits Webhooks API
  description: Your Webhooks tag description
  humanURL: https://developers.opercredits.com/
  baseURL: https://developers.opercredits.com/
  tags:
  - Webhook
  tags_raw:
  - Webhooks
  properties:
  - type: OpenAPI
    url: openapi/oper-credits-webhooks-api-openapi.yml
- aid: oper-credits:oper-credits-signup-api
  name: Oper Credits Signup API
  description: The Signup API from Oper Credits — 4 operation(s) for signup.
  humanURL: https://developers.opercredits.com/
  baseURL: https://developers.opercredits.com/
  tags:
  - Sign Up
  tags_raw:
  - Signup
  properties:
  - type: OpenAPI
    url: openapi/oper-credits-signup-api-openapi.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- url: https://www.opercredits.com/blog/rss.xml
  type: BlogRSS
- type: CapabilityMap
  url: capabilities/oper-credits-capability-edges.yml
  name: Oper Credits Business Capability Map
- type: Website
  url: https://opercredits.com/
- type: DeveloperPortal
  url: https://developers.opercredits.com/
- type: Documentation
  url: https://developers.opercredits.com/
- type: APIReference
  url: https://developers.opercredits.com/#/api
- type: Blog
  url: https://www.opercredits.com/blog
- type: GitHubOrganization
  url: https://github.com/opercredits
- type: Support
  url: https://www.opercredits.com/contact
- type: TermsOfService
  url: https://www.opercredits.com/terms-of-use
- type: PrivacyPolicy
  url: https://www.opercredits.com/privacy-policy
- type: Authentication
  url: authentication/oper-credits-authentication.yml
- type: Conventions
  url: conventions/oper-credits-conventions.yml
- type: ErrorCatalog
  url: errors/oper-credits-problem-types.yml
- type: DataModel
  url: data-model/oper-credits-data-model.yml
- type: Lifecycle
  url: lifecycle/oper-credits-lifecycle.yml
- type: Conformance
  url: conformance/oper-credits-conformance.yml
- type: Compliance
  url: https://www.opercredits.com/compliance
- type: DomainSecurity
  url: security/oper-credits-domain-security.yml
- type: VulnerabilityDisclosure
  url: security/oper-credits-vulnerability-disclosure.yml
- type: Security
  url: https://www.opercredits.com/reporting-a-security-issue
- type: TrustCenter
  url: security/oper-credits-trust-center.yml
- type: Webhooks
  url: asyncapi/oper-credits-webhooks.yml
- type: X-MCPServerCandidate
  url: mcp/oper-credits-mcp.yml
  note: 'Renamed from MCPServer 2026-09-03 (roadmap#247): the manifest self-describes as status: candidate — a tool list derived
    from the published API contracts, not an existing server. The scorer already read the manifest and reported mcp_server
    correctly; the MCPServer type was crediting the artifact-type surfaces with a server that does not exist.'
- type: AgentSkill
  url: skills/_index.yml
- type: LLMsTxt
  url: llms/oper-credits-llms.txt
- type: Overlay
  url: overlays/oper-credits-api-overlay.yaml
x-enrichment:
  date: '2026-07-20'
  status: enriched
  artifacts_added: 20
  pass: local-v1

Oper Credits API — frequently asked questions

Does Oper Credits have an API?

Yes. APIs.io lists 52 APIs from Oper Credits, including Oper Credits Agent Documents API, Oper Credits Appointment Booking Websites API and Oper Credits Approvals API, and 49 more.

Is there an OpenAPI specification for the Oper Credits API?

Yes. APIs.io indexes 52 OpenAPI specifications for Oper Credits, each linked for download from this page.

How do I authenticate with the Oper Credits API?

Oper Credits uses bearer-token authentication (http · 1 scheme). The details are profiled on APIs.io as Oper Credits Authentication.

Is the Oper Credits API ready for AI agents?

Oper Credits has a Kin Score of 43.2 out of 100 (developing) and an Agent Readiness score of 28.7 (agent-ready), scored by API Evangelist on 2026-11-06.

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