# Petal

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

Petal is a New York-based consumer fintech that issues Visa credit cards aimed at people with limited or no credit history, underwriting applicants from their bank-account cash flow (its proprietary CashScore metric) rather than a traditional credit score alone. Its Petal 1, Petal 1 Rise and Petal 2 cards are issued by WebBank, and the business is now part of the Tilt family of consumer finance brands (Tilt Card, Inc., NMLS #2295169). Petal reaches customers through iOS and Android apps plus a web dashboard and help center. It is a direct-to-consumer card issuer: as of this profile it operates no developer program, publishes no API documentation, and exposes no machine-readable API contract on any of its public hosts.

## Kin Score — 12.9 / 100 (minimal)

Scored 2026-08-17 under rubric 0.11.0. Trend: flat (+0.0 from 12.9).

| Facet | Score |
|---|---|
| Discoverability | 57.4 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 6.5 |
| Commercial Clarity | 21.1 |

Regulatory layer — **Payments**: 21.9 (matched via tags).

## Agent readiness — 0.0 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | 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 |

## Security (1)

- **Petal Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Company, Financial Services, Fintech, Credit Cards, Consumer Finance, Credit Building, Lending

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