Pretto

Pretto is a French online mortgage brokerage (courtier en credit immobilier) operated by FINSPOT SAS, founded in 2016 and headquartered in Paris. It runs a digital platform that lets borrowers simulate a home loan, compare rates across more than 125 partner banks, assemble a financing file and be accompanied by a human credit expert through to signature, and it publishes a transparent, non-negotiable fee schedule instead of the bank-funded commission model used by most French brokers. Pretto also operates Pretto Galaxie, a B2B network that opens the same technology stack — semi-automated file assembly, an embeddable loan simulator, a client portal, a commission dashboard and a back-office service — to independent brokers, and Pretto Search, a consumer property-search product priced against real borrowing capacity. FINSPOT is registered with ORIAS (17000916) as a banking/payment-services and insurance broker and is supervised by the ACPR. As of this pass Pretto publishes no public developer program: the api.pretto.fr host serves its API reference behind HTTP Basic auth and the developers.pretto.fr ReadMe hub is deactivated.

Pretto is profiled on the APIs.io network. Tagged areas include Company, Fintech Insurtech, Mortgage, Lending, and Real Estate.

Pretto’s developer surface includes support, engineering blog, pricing, and 16 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

16.2/100 emerging ▬ flat Agent 14/100 agent aware Front door AI 1/6 silent Heartbeat 100/100 alive saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

0 APIs 1 MCP Servers

Company Fintech Insurtech Mortgage Lending Real Estate Brokerage France Consumer Finance Financial Services

Kin Score

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

Composite quality — 16.2/100 · emerging

Contract Quality 0.0 / 21

Developer Ergonomics 1.2 / 17

Access Clarity 6.7 / 17

Operational Transparency 0.3 / 11

Contract Governance 0.0 / 10

Discoverability 5.0 / 9

Regulatory Posture 3.2 / 15

Agent readiness — 14/100 · agent aware

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 12 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 7 / 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

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Insurance 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
Machine-Readable Auth +10 pts — a served openid-configuration/oauth-authorization-server carrying `issuer` (served), else the securitySchemes class in the provider OpenAPIs — bound (mutualTLS, DPoP, Signature) > negotiable (oauth2 authorizationCode/clientCredentials, openIdConnect) > bearer (http bearer, apiKey)
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

11 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
Developer Ergonomics scores 7.1 — up to +18.6 composite points
Operational Transparency scores 2.6 — up to +12.7 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/pretto/apis.yml: open an issue on github.com/api-evangelist/pretto 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)	-	-
France Authorised Financial Firms (ACPR REGAFI + AMF white list)	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 1

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 (verified)

MCP Servers 1

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

Pretto MCP Server

Remote MCP server at mcp.production.pretto.fr over HTTP; 5 tools listed.

MCP SERVER

Pretto API pricing

Pricing Plans 1

Published pricing tiers and plan structures.

Pretto Plans Pricing

0 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Pretto Rate Limits

0 limits

RATE LIMITS

Security Posture 1

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

Pretto Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Resources

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

Design & Contract 1

Pagination, idempotency, versioning, errors, and events

Conformance

Conformance

Build 2

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Packages

Packages

Access & Security 2

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Compliance

Compliance

Operate 3

Status, limits, changes, and where to get help

Support

Support

HelpCenter

HelpCenter

RateLimits

RateLimits

Commercial 5

Pricing, plans, and the legal terms of use

Pricing

TermsOfService

PrivacyPolicy

LegalNotices

Plans

Company 5

The organization behind the API

Website

About

Blog

Careers

Partners

Source (apis.yml)

aid: pretto
name: Pretto
description: 'Pretto is a French online mortgage brokerage (courtier en credit immobilier) operated by FINSPOT SAS, founded
  in 2016 and headquartered in Paris. It runs a digital platform that lets borrowers simulate a home loan, compare rates across
  more than 125 partner banks, assemble a financing file and be accompanied by a human credit expert through to signature,
  and it publishes a transparent, non-negotiable fee schedule instead of the bank-funded commission model used by most French
  brokers. Pretto also operates Pretto Galaxie, a B2B network that opens the same technology stack — semi-automated file assembly,
  an embeddable loan simulator, a client portal, a commission dashboard and a back-office service — to independent brokers,
  and Pretto Search, a consumer property-search product priced against real borrowing capacity. FINSPOT is registered with
  ORIAS (17000916) as a banking/payment-services and insurance broker and is supervised by the ACPR. As of this pass Pretto
  publishes no public developer program: the api.pretto.fr host serves its API reference behind HTTP Basic auth and the developers.pretto.fr
  ReadMe hub is deactivated.'
url: https://raw.githubusercontent.com/api-evangelist/pretto/refs/heads/main/apis.yml
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
  probe_state: gated
  source:
  - rate-limits
  - security
  generated: '2026-11-06'
  method: derived
image: https://res.cloudinary.com/pretto-fr/image/upload/c_fill,w_1200,h_630,f_auto,q_auto/website/pretto-og-default
x-type: company
x-source: serena-portfolio
specificationVersion: '0.23'
created: '2026-08-17'
modified: '2026-08-17'
tags:
- Company
- Fintech Insurtech
- Mortgage
- Lending
- Real Estate
- Brokerage
- France
- Consumer Finance
- Financial Services
tags_raw:
- Company
- Fintech Insurtech
- Mortgage
- Lending
- Real Estate
- Brokerage
- France
- Consumer Finance
- Financial Services
- Real-Estate
- Financial-Services
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: DomainSecurity
  url: security/pretto-domain-security.yml
- type: Website
  url: https://www.pretto.fr/
- type: About
  url: https://www.pretto.fr/notre-service/
- type: Support
  url: https://www.pretto.fr/contact/
- type: HelpCenter
  url: https://faq.pretto.fr/fr
- type: Blog
  url: https://www.pretto.fr/actualites/
- type: GitHubOrganization
  url: https://github.com/finspot
- type: Pricing
  url: https://www.pretto.fr/courtier-credit/courtier-immobilier-comment-ca-marche/prix-courtier/
- type: TermsOfService
  url: https://www.pretto.fr/cgu/
- type: PrivacyPolicy
  url: https://www.pretto.fr/privacy/
- type: LegalNotices
  url: https://www.pretto.fr/mentions-legales/
- type: Careers
  url: https://www.pretto.fr/nous-rejoindre/
- type: Partners
  url: https://www.prettogalaxie.fr/
- type: Packages
  url: packages/pretto-packages.yml
- type: LLMsTxt
  url: llms/pretto-llms.txt
- type: Plans
  url: plans/pretto-plans-pricing.yml
- type: RateLimits
  url: rate-limits/pretto-rate-limits.yml
- type: Conformance
  url: conformance/pretto-conformance.yml
- type: Compliance
  url: https://www.pretto.fr/mentions-legales/
x-enrichment:
  date: '2026-08-17'
  status: minimal
  artifacts_added: 7
  pass: local-v1
x-coverage:
  state: gated
  reason: customer-only-docs
  detail: Pretto's API reference route exists at https://api.pretto.fr/api-docs but is protected by HTTP Basic auth (401),
    and the developers.pretto.fr ReadMe hub 302s to /inactive and then 401s — while sibling paths on the same API host return
    404, so the gate is real and the contract is issued only to Pretto Galaxie broker partners under agreement, never published.
  evidence:
  - url: https://api.pretto.fr/api-docs
    status: 401
  - url: https://api.pretto.fr/api-docsX
    status: 404
  - url: https://developers.pretto.fr/
    status: 302
  - url: https://developers.pretto.fr/inactive
    status: 401
  - url: https://api.pretto.fr/openapi.json
    status: 404
  - url: https://www.pretto.fr/.well-known/agent-card.json
    status: 404
  checked: '2026-08-17'

Pretto API — frequently asked questions

Does Pretto have an MCP server?

Yes. APIs.io lists 1 MCP server for Pretto: Remote MCP server at mcp.production.pretto.fr over HTTP; 5 tools listed.

Is the Pretto API ready for AI agents?

Pretto has a Kin Score of 16.2 out of 100 (emerging) and an Agent Readiness score of 13.8 (agent-aware), scored by API Evangelist on 2026-11-06.

Work with this as data

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get_provider_evidenceHow each part of their score was established. Free — the basis for a claim should not sit behind it.
get_provider_ratingPRO — composite, band, trend and facet scores.
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