# Perfios

**Canonical:** https://apis.io/providers/perfios/  
**Website:** https://www.perfios.com/  
**APIs profiled:** 0

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.

## Kin Score — 13.1 / 100 (emerging)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 13.1).

| Facet | Score |
|---|---|
| Discoverability | 50.0 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 2.6 |
| Developer Ergonomics | 7.1 |
| Commercial Clarity | 36.8 |
| Access Clarity | 36.8 |

Regulatory layer — **Banking & Open Finance**: 24.1 (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 (2)

- **Perfios Domain Security** — TLSv1.3 · DMARC
- **Perfios Trust Center** — SOC 2, ISO 27001, ISO 27017, ISO 27701, CSA STAR Level 2

## Tags

Company, Fintech, Financial-Services, KYC, Onboarding, Credit Decisioning, Bank Statement Analysis, Fraud Detection, Account Aggregator, India

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