Perfios

Perfios is a Bangalore, India-headquartered financial technology (SaaS) company providing an AI-driven operating system for banks, NBFCs, fintechs, and insurers, serving over 1,000 financial institutions globally. Its platform spans four product families: Perfios Analyse (bank statement, ITR, GST, payslip, credit-card and financial-statement analysers), Perfios Verify (KYC/KYB, video KYC, liveness detection, OCR, digital signature and onboarding via OneSDK), Perfios Lens (portfolio monitoring, PFM, credit assessment memos, due diligence), and Perfios Protect (document tamper detection, deepfake detection, and insurance fraud detection). Perfios also runs a digital public infrastructure (DPI) stack for Account Aggregator FIU/FIP roles. Its data-aggregation, decisioning, and verification capabilities are delivered to partners programmatically; public developer documentation is gated behind partner access. Surfaced as a portfolio company of Bessemer Venture Partners.

Perfios is profiled on the APIs.io network. Tagged areas include Company, Fintech, Financial Services, KYC, and Onboarding.

Perfios’ developer surface includes engineering blog, support, and 8 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

13.1/100 emerging ▬ flat Agent 0/100 human only Front door AI 6/6 dominant saas Full breakdown ↓
scored 2026-10-17 · rubric v0.24.0

0 APIs

Company Fintech Financial Services KYC Onboarding Credit Decisioning Bank Statement Analysis Fraud PreventionAccount AggregatorIndia

Kin Score

Kin Score How this is scored →
scored 2026-10-17 · rubric v0.24.0

Composite quality — 13.1/100 · emerging

Contract Quality 0.0 / 21

Developer Ergonomics 1.2 / 17

Access Clarity 6.3 / 17

Operational Transparency 0.3 / 11

Contract Governance 0.0 / 10

Discoverability 4.1 / 9

Regulatory Posture 2.3 / 15

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 0 / 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 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Regulatory Posture applies to this provider. Its tags matched the Banking & Open Finance 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/.

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 github.com/api-evangelist/perfios: open an issue to ask a question, or submit a pull request to add artifacts. 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
India Stack (Account Aggregator, ONDC, UPI, DigiLocker, Aadhaar)	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.

Security Posture 2

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

Perfios Domain Security

TLSv1.3 · DMARC

SECURITY

Perfios Trust Center

SOC 2, ISO 27001, ISO 27017, ISO 27701, CSA STAR Level 2

SECURITY

Resources

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Access & Security 3

Authentication, authorization, and security posture

TrustCenter

TrustCenter

Compliance

Compliance

DomainSecurity

DomainSecurity

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 2

Pricing, plans, and the legal terms of use

PrivacyPolicy

PrivacyPolicy

TermsOfService

TermsOfService

Company 3

The organization behind the API

Website

Website

About

About

Blog

Blog

Source (apis.yml)

aid: perfios
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source: []
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/perfios.png
name: Perfios
description: 'Perfios is a Bangalore, India-headquartered financial technology (SaaS) company providing an AI-driven operating
  system for banks, NBFCs, fintechs, and insurers, serving over 1,000 financial institutions globally. Its platform spans
  four product families: Perfios Analyse (bank statement, ITR, GST, payslip, credit-card and financial-statement analysers),
  Perfios Verify (KYC/KYB, video KYC, liveness detection, OCR, digital signature and onboarding via OneSDK), Perfios Lens
  (portfolio monitoring, PFM, credit assessment memos, due diligence), and Perfios Protect (document tamper detection, deepfake
  detection, and insurance fraud detection). Perfios also runs a digital public infrastructure (DPI) stack for Account Aggregator
  FIU/FIP roles. Its data-aggregation, decisioning, and verification capabilities are delivered to partners programmatically;
  public developer documentation is gated behind partner access. Surfaced as a portfolio company of Bessemer Venture Partners.'
url: https://raw.githubusercontent.com/api-evangelist/perfios/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- bessemer-venture-partners
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-20'
tags:
- Company
- Fintech
- Financial Services
- KYC
- Onboarding
- Credit Decisioning
- Bank Statement Analysis
- Fraud Prevention
- Account Aggregator
- India
tags_raw:
- Company
- Fintech
- Financial Services
- KYC
- Onboarding
- Credit Decisioning
- Bank Statement Analysis
- Fraud Detection
- Account Aggregator
- India
- Financial-Services
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://www.perfios.com/
- type: About
  url: https://perfios.ai/about-us/
- type: Blog
  url: https://perfios.ai/resources/blogs/
- type: Support
  url: https://perfios.ai/contact-us/
- type: PrivacyPolicy
  url: https://perfios.ai/privacy-policy/
- type: TermsOfService
  url: https://perfios.ai/terms-of-use/
- type: GitHubOrganization
  url: https://github.com/perfios
- type: TrustCenter
  url: security/perfios-trust-center.yml
- type: Compliance
  url: https://perfios.ai/perfios-trust-center/
- type: DomainSecurity
  url: security/perfios-domain-security.yml
x-enrichment:
  date: '2026-07-20'
  status: enriched
  artifacts_added: 2
  pass: local-v1

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