# Palla

**Canonical:** https://apis.io/providers/palla/  
**Website:** https://www.palla.com  
**APIs profiled:** 7

Palla Financial is a fintech infrastructure company that powers instant cross-border peer-to-peer (P2P) money transfers to 180+ countries. The Palla Platform Partner API lets trusted partners embed transfers into their own apps: exchange partner client credentials for a user-scoped Bearer token, then create and manage a user's Account, encrypted Payment Methods, relationship Links, Relationships, and Transfers, with server-to-server transfer callbacks. Palla also ships embeddable UI (Embed, Checkout, Redirect) and a JavaScript Web SDK, with PCI-scoped card storage plus KYC, OFAC, card verification, fraud prevention, and transaction monitoring built in. Backed by Cowboy Ventures.

## Kin Score — 51.6 / 100 (developing)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 51.6).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 65.2 |
| Governance | 16.7 |
| Contract Governance | 16.7 |
| Operational Transparency | 26.3 |
| Developer Ergonomics | 51.8 |
| Commercial Clarity | 36.8 |
| Access Clarity | 36.8 |

Regulatory layer — **Payments**: 59.4 (matched via tags).

## Agent readiness — 42.9 (agent-ready)

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

## Access

Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: medium).

## APIs (7)

- **Palla Accounts API** — An Account belongs to a User authorized to use Palla.
- **Palla Auth API** — Authentication endpoints return tokens for user access.
- **Palla Health API** — Service health.
- **Palla Links API** — A Link is a unique URL belonging to an Account, used to create Relationships.
- **Palla Payment Methods API** — Payment Methods are used to send and/or receive Transfers.
- **Palla Relationships API** — A Relationship is the connection between two Accounts.
- **Palla Transfers API** — A Transfer is a record of funds sent to a Relationship.

## MCP servers (1)

- **Palla MCP Server**

## Agentic access (1)

- **Palla Agentic Access** — 13 operations · 7 acting

## Security (3)

- **Palla Authentication** — http/oauth2 · 2 schemes
- **Palla Domain Security** — TLSv1.3 · HSTS · DMARC
- **Palla Trust Center** — SOC 2, ISO 27001, PCI DSS, GDPR

## Tags

Company, Fintech, Payments, Cross-Border Payments, Remittances, P2P Payments, Money Transfer, Embedded Finance

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