Parafin

Parafin is an embedded finance infrastructure company (founded 2020) that lets software platforms, marketplaces, and payment service providers offer capital, spend, and pay-over-time products to the small businesses on their platform. Parafin abstracts the hardest parts of launching a business-financing product — capital sourcing, regulatory and compliance know-how, underwriting and risk modeling, servicing, and collections — behind white-labeled REST APIs and embeddable UI widgets (Parafin Elements) shipped for React, Vue, and Angular. Products include Capital (revenue-based cash advances and flex term loans), Line of Credit, Spend (card and cash account), and Pay Over Time. Platforms integrate via a no-code option (Parafin Lite), low-code embedded Elements, or a custom API build. Notable customers include DoorDash and Mindbody. Backed by GGV Capital, Redpoint Ventures, and Ribbit Capital.

Parafin is listed with 1 API on the APIs.io network. Tagged areas include Company, Fintech, Embedded Finance, Lending, and Capital.

Parafin’s developer surface includes documentation, API reference, engineering blog, support, authentication, sandbox, and 13 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

15.5/100 emerging ▬ flat Agent 19/100 agent aware Front door AI 2/6 trace Heartbeat 69/100 alive library Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

1 API 1 MCP Servers

Company Fintech Embedded Finance Lending Capital Payments Small Business Working Capital

Kin Score

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

Composite quality — 15.5/100 · emerging

Contract Quality 0.0 / 21

Developer Ergonomics 5.7 / 17

Access Clarity 1.8 / 17

Operational Transparency 0.3 / 11

Contract Governance 0.0 / 10

Discoverability 6.1 / 9

Regulatory Posture 2.1 / 15

Agent readiness — 19/100 · agent aware

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 12 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 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 6 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 6 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Payments 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 could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% 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):

Machine-Readable Contract +18 pts — api_specs includes an OpenAPI document
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)
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes
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)

9 more unmet checks in the Agent Readiness table above.

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

Contract Quality scores 0.0 — up to +25.0 composite points
Access Clarity scores 10.5 — up to +17.9 composite points
Developer Ergonomics scores 33.3 — up to +13.3 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/parafin/apis.yml: open an issue on github.com/api-evangelist/parafin 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)	distribution	9.6 (thin)	-	-

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 2

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.

Model Context Protocol (MCP)

measured — observed by APIs.io (documented)

Dynamic Client Registration

measured — observed by APIs.io (published)

APIs 1

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

Parafin API

White-labeled embedded finance REST API for offering business financing — creating businesses, persons, and bank accounts; generating capital offers; creating capital, line-of-c...

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

Parafin MCP Server

Parafin operates a hosted, remote MCP server over Streamable HTTP at https://docs.parafin.com/mcp that exposes documentation search to agents. It is protected by OAuth 2.1 (RFC ...

MCP SERVER

Security Posture 2

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

Parafin Authentication

oauth2/http-bearer · 2 schemes

SECURITY

Parafin Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Resources

Get Started 2

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

Sandbox

Sandbox

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 3

MCP servers, agent skills, and machine-readable catalogs

MCPServer

MCPServer

WellKnown

WellKnown

LLMsTxt

LLMsTxt

Design & Contract 3

Pagination, idempotency, versioning, errors, and events

Components

Components

Conventions

Conventions

Lifecycle

Lifecycle

Build 3

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Packages

Packages

SDKs

SDKs

Access & Security 2

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Authentication

Authentication

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 1

Pricing, plans, and the legal terms of use

PrivacyPolicy

PrivacyPolicy

Company 2

The organization behind the API

Website

Website

Blog

Blog

Source (apis.yml)

aid: parafin
deliveryModel:
  model: library
  open_source: false
  commercial: false
  callable_host: false
  label: Library · distributed through package registries, no callable service
  confidence: low
  source:
  - none
  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
  - sandbox
  generated: '2026-11-06'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/parafin.png
name: Parafin
description: Parafin is an embedded finance infrastructure company (founded 2020) that lets software platforms, marketplaces,
  and payment service providers offer capital, spend, and pay-over-time products to the small businesses on their platform.
  Parafin abstracts the hardest parts of launching a business-financing product — capital sourcing, regulatory and compliance
  know-how, underwriting and risk modeling, servicing, and collections — behind white-labeled REST APIs and embeddable UI
  widgets (Parafin Elements) shipped for React, Vue, and Angular. Products include Capital (revenue-based cash advances and
  flex term loans), Line of Credit, Spend (card and cash account), and Pay Over Time. Platforms integrate via a no-code option
  (Parafin Lite), low-code embedded Elements, or a custom API build. Notable customers include DoorDash and Mindbody. Backed
  by GGV Capital, Redpoint Ventures, and Ribbit Capital.
url: https://raw.githubusercontent.com/api-evangelist/parafin/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- ggv-capital
- redpoint-ventures
- ribbit-capital
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-20'
x-docs-platform: mintlify
x-docs-platform-confidence: medium
x-docs-platform-checked: 2026-10-04
x-docs-hosting: vercel
tags:
- Company
- Fintech
- Embedded Finance
- Lending
- Capital
- Payments
- Small Business
- Working Capital
tags_raw:
- Company
- Fintech
- Embedded Finance
- Lending
- Capital
- Payments
- Small Business
- Working Capital
- API
apis:
- name: Parafin API
  description: White-labeled embedded finance REST API for offering business financing — creating businesses, persons, and
    bank accounts; generating capital offers; creating capital, line-of-credit, and pay-over-time applications; and orchestrating
    order checkout. OAuth client-credentials authentication with short-lived bearer tokens redeemed via POST /v1/auth/redeem_token.
    Production host api.parafin.com; sandbox host api.dev.parafin.com.
  humanURL: https://docs.parafin.com/
  baseURL: https://api.parafin.com
  tags:
  - Embedded Finance
  - Lending
  - Capital
  properties:
  - type: Documentation
    url: https://docs.parafin.com/
  - type: Authentication
    url: authentication/parafin-authentication.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: DomainSecurity
  url: security/parafin-domain-security.yml
- type: Website
  url: https://www.parafin.com/
- type: DeveloperPortal
  url: https://docs.parafin.com/
- type: Documentation
  url: https://docs.parafin.com/
- type: APIReference
  url: https://docs.parafin.com/
- type: Blog
  url: https://www.parafin.com/blog
- type: PrivacyPolicy
  url: https://www.parafin.com/privacy-policy
- type: GitHubOrganization
  url: https://github.com/buildparafin
- type: Support
  url: https://www.parafin.com/contact
- type: MCPServer
  url: mcp/parafin-mcp.yml
- type: Packages
  url: packages/parafin-packages.yml
- type: SDKs
  url: packages/parafin-packages.yml
- type: Components
  url: components/parafin-components.yml
- type: WellKnown
  url: well-known/parafin-well-known.yml
- type: Authentication
  url: authentication/parafin-authentication.yml
- type: Conventions
  url: conventions/parafin-conventions.yml
- type: Sandbox
  url: sandbox/parafin-sandbox.yml
- type: LLMsTxt
  url: llms/parafin-llms.txt
- type: Lifecycle
  url: lifecycle/parafin-lifecycle.yml
x-enrichment:
  date: '2026-07-20'
  status: enriched
  artifacts_added: 11
  pass: local-v1

Parafin API — frequently asked questions

Does Parafin have an API?

Yes. APIs.io lists 1 API from Parafin, including Parafin API.

How do I authenticate with the Parafin API?

Parafin documents its authentication (oauth2/http-bearer · 2 schemes). The details are profiled on APIs.io as Parafin Authentication.

Does Parafin have an MCP server?

Yes. APIs.io lists 1 MCP server for Parafin: Parafin operates a hosted, remote MCP server over Streamable HTTP at https://docs.parafin.com/mcp that exposes documentation search to agents. It is protected by OAuth 2.1 (RFC 8414 authorization-serv

Is the Parafin API ready for AI agents?

Parafin has a Kin Score of 15.5 out of 100 (emerging) and an Agent Readiness score of 18.6 (agent-aware), scored by API Evangelist on 2026-11-06.

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