R2

R2 is an embedded finance platform operating across Latin America (Mexico, Brazil, Chile, Colombia and Peru) that lets digital platforms and marketplaces offer revenue-based financing to their merchants. Through R2's REST APIs and embeddable JavaScript components, partners share merchant and transaction data for credit scoring, surface pre-approved offers, run KYC, disburse capital, and reconcile sales-based repayments via collections. R2 reports having facilitated over 180,000 loans and is backed by General Catalyst.

R2 publishes 8 API contracts indexed on the APIs.io network, including Callbacks API, Collections API, Events API, and 5 more. Tagged areas include Company, Financial Services, Embedded Finance, Lending, and Payments.

The R2 catalog on APIs.io includes 1 event-driven AsyncAPI specification and 1 Spectral governance ruleset.

R2’s developer surface includes documentation, API reference, getting-started guide, engineering blog, support, authentication, changelog, and 21 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

47.6/100 developing ▬ flat Agent 33/100 agent ready Front door AI 4/6 moderate Heartbeat 100/100 alive Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

1 published contract 3 Agent Skills

Company Financial Services Embedded Finance Lending Payments Fintech Latin America Revenue-Based Financing Webhook

What this lets a business do 1

Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →

Credit & Lending Management

BC-1320

financings

GET /financings/{id} GET /financings/

Kin Score

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

Composite quality — 47.6/100 · developing

Contract Quality 10.4 / 19

Developer Ergonomics 9.0 / 15

Access Clarity 2.4 / 15

Operational Transparency 3.3 / 10

Contract Governance 2.9 / 9

Discoverability 5.5 / 8

Regulatory Posture 3.8 / 15

Create-or-Update Ergonomics 2.8 / 10

Agent readiness — 33/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 6 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 7 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 6 / 6

Agent Skills 5 / 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 0 / 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 applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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<a href="https://apis.io/providers/r2/"><img src="https://apis.io/badge/r2/card.svg" alt="R2 on APIs.io — Kin Score by API Evangelist"></a>

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Agent readiness — checks not met, largest first (exact, from this profile):

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
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)
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)
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document
Delegated User Identity +6 pts — a served discovery document listing authorization_code in grant_types_supported (served), else an oauth2 authorizationCode flow or openIdConnect declared in an OpenAPI (documented)

6 more unmet checks in the Agent Readiness table above.

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

Access Clarity scores 15.8 — up to +16.8 composite points
Contract Quality scores 55.6 — up to +11.1 composite points
Operational Transparency scores 34.2 — up to +8.6 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/r2/apis.yml: open an issue on github.com/api-evangelist/r2 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)	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.

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.

OpenAPI

measured — observed by APIs.io (published)

APIs 8

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

R2 Callbacks API

The callbacks API from R2 — 2 operation(s) for callbacks.

R2 Collections API

The collections API from R2 — 2 operation(s) for collections.

R2 Events API

The events API from R2 — 1 operation(s) for events.

R2 Financings API

The financings API from R2 — 2 operation(s) for financings.

R2 Merchants API

The merchants API from R2 — 1 operation(s) for merchants.

R2 Payments API

The payments API from R2 — 2 operation(s) for payments.

R2 Sandbox API

The Sandbox API from R2 — 1 operation(s) for sandbox.

R2 Transactions API

The transactions API from R2 — 3 operation(s) for transactions.

Scroll for all 8

Open Collections 8

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

R2 APIs callbacks API

OPEN COLLECTION

R2 APIs callbacks collections API

OPEN COLLECTION

R2 APIs callbacks events API

OPEN COLLECTION

R2 APIs callbacks financings API

OPEN COLLECTION

R2 APIs callbacks merchants API

OPEN COLLECTION

R2 APIs callbacks payments API

OPEN COLLECTION

R2 APIs callbacks Sandbox API

OPEN COLLECTION

R2 APIs callbacks transactions API

OPEN COLLECTION

Scroll for all 8

Agent Skills 3

Packaged agent skills for driving this provider's APIs from an AI assistant.

Register and handle R2 event callbacks (webhooks)

AGENT SKILL

Refund or revert a collection

AGENT SKILL

Onboard a merchant and share transaction data

AGENT SKILL

Event Specifications 1

AsyncAPI definitions for this provider's event-driven and streaming APIs.

R2 Events Webhooks

ASYNCAPI

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

R2 API Rules

57 rules · 50 errors 3 warnings 4 info

SPECTRAL

OpenAPI Overlays 1

Overlays applied on top of this provider's contracts. Each card says who wrote it: a document the provider publishes, or one API Evangelist derived or generated.

R2 Openapi Overlay

2 actions · update · r2-openapi.json

DERIVED

Security Posture 4

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

R2 Authentication

apiKey · 1 scheme

SECURITY

R2 Domain Security

TLSv1.3 · DMARC

SECURITY

R2 Vulnerability Disclosure

Hackerone · contact published

SECURITY

R2 Trust Center

ISO 27001:2022

SECURITY

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

R2 Agentic Access

17 operations · 9 acting

AGENTIC

Resources

Get Started 3

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

GettingStarted

GettingStarted

Sandbox

Sandbox

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

X-MCPServerCandidate

X-MCPServerCandidate

AgentSkill

AgentSkill

AgenticAccess

AgenticAccess

Design & Contract 7

Pagination, idempotency, versioning, errors, and events

Conventions

ErrorCatalog

Lifecycle

Components

DataModel

Conformance

Webhooks

Scroll for all 7

Access & Security 6

Authentication, authorization, and security posture

Authentication

Authentication

Compliance

Compliance

TrustCenter

TrustCenter

VulnerabilityDisclosure

VulnerabilityDisclosure

Security

Security

DomainSecurity

DomainSecurity

Operate 2

Status, limits, changes, and where to get help

Support

Support

ChangeLog

ChangeLog

Company 2

The organization behind the API

Website

Website

Blog

Blog

Other 2

Properties that don't map to a standard resource type

CapabilityMap

CapabilityMap

Overlay

Overlay

Source (apis.yml)

aid: r2
deliveryModel:
  model: unknown
  open_source: false
  commercial: false
  callable_host: true
  label: Delivery model not determined — needs a product licence on record
  confidence: low
  source:
  - openapi
  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/r2.png
name: R2
description: R2 is an embedded finance platform operating across Latin America (Mexico, Brazil, Chile, Colombia and Peru)
  that lets digital platforms and marketplaces offer revenue-based financing to their merchants. Through R2's REST APIs and
  embeddable JavaScript components, partners share merchant and transaction data for credit scoring, surface pre-approved
  offers, run KYC, disburse capital, and reconcile sales-based repayments via collections. R2 reports having facilitated over
  180,000 loans and is backed by General Catalyst.
url: https://raw.githubusercontent.com/api-evangelist/r2/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- general-catalyst
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-20'
x-docs-platform: readme
x-docs-platform-confidence: high
x-docs-platform-checked: 2026-10-04
tags:
- Company
- Financial Services
- Embedded Finance
- Lending
- Payments
- Fintech
- Latin America
- Revenue-Based Financing
- Webhook
tags_raw:
- Company
- Financial Services
- Embedded Finance
- Lending
- Payments
- Fintech
- Latin America
- Revenue-Based Financing
- Webhooks
- Financial-Services
apis:
- aid: r2:r2-callbacks-api
  name: R2 Callbacks API
  description: The callbacks API from R2 — 2 operation(s) for callbacks.
  humanURL: https://r2-api-docs.readme.io/
  baseURL: https://gateway-dev.r2capital.co/v2/
  tags:
  - Callbacks
  tags_raw:
  - callbacks
  properties:
  - type: OpenAPI
    url: openapi/r2-callbacks-api-openapi.yml
  - type: APIReference
    url: https://r2-api-docs.readme.io/reference
- aid: r2:r2-collections-api
  name: R2 Collections API
  description: The collections API from R2 — 2 operation(s) for collections.
  humanURL: https://r2-api-docs.readme.io/
  baseURL: https://gateway-dev.r2capital.co/v2/
  tags:
  - Collection
  tags_raw:
  - collections
  properties:
  - type: OpenAPI
    url: openapi/r2-collections-api-openapi.yml
  - type: APIReference
    url: https://r2-api-docs.readme.io/reference
- aid: r2:r2-events-api
  name: R2 Events API
  description: The events API from R2 — 1 operation(s) for events.
  humanURL: https://r2-api-docs.readme.io/
  baseURL: https://gateway-dev.r2capital.co/v2/
  tags:
  - Event
  tags_raw:
  - events
  properties:
  - type: OpenAPI
    url: openapi/r2-events-api-openapi.yml
  - type: APIReference
    url: https://r2-api-docs.readme.io/reference
- aid: r2:r2-financings-api
  name: R2 Financings API
  description: The financings API from R2 — 2 operation(s) for financings.
  humanURL: https://r2-api-docs.readme.io/
  baseURL: https://gateway-dev.r2capital.co/v2/
  tags:
  - Financings
  tags_raw:
  - financings
  properties:
  - type: OpenAPI
    url: openapi/r2-financings-api-openapi.yml
  - type: APIReference
    url: https://r2-api-docs.readme.io/reference
- aid: r2:r2-merchants-api
  name: R2 Merchants API
  description: The merchants API from R2 — 1 operation(s) for merchants.
  humanURL: https://r2-api-docs.readme.io/
  baseURL: https://gateway-dev.r2capital.co/v2/
  tags:
  - Merchants
  tags_raw:
  - merchants
  properties:
  - type: OpenAPI
    url: openapi/r2-merchants-api-openapi.yml
  - type: APIReference
    url: https://r2-api-docs.readme.io/reference
- aid: r2:r2-payments-api
  name: R2 Payments API
  description: The payments API from R2 — 2 operation(s) for payments.
  humanURL: https://r2-api-docs.readme.io/
  baseURL: https://gateway-dev.r2capital.co/v2/
  tags:
  - Payments
  tags_raw:
  - payments
  properties:
  - type: OpenAPI
    url: openapi/r2-payments-api-openapi.yml
  - type: APIReference
    url: https://r2-api-docs.readme.io/reference
- aid: r2:r2-sandbox-api
  name: R2 Sandbox API
  description: The Sandbox API from R2 — 1 operation(s) for sandbox.
  humanURL: https://r2-api-docs.readme.io/
  baseURL: https://gateway-dev.r2capital.co/v2/
  tags:
  - Sandbox
  properties:
  - type: OpenAPI
    url: openapi/r2-sandbox-api-openapi.yml
  - type: APIReference
    url: https://r2-api-docs.readme.io/reference
- aid: r2:r2-transactions-api
  name: R2 Transactions API
  description: The transactions API from R2 — 3 operation(s) for transactions.
  humanURL: https://r2-api-docs.readme.io/
  baseURL: https://gateway-dev.r2capital.co/v2/
  tags:
  - Transaction
  tags_raw:
  - transactions
  properties:
  - type: OpenAPI
    url: openapi/r2-transactions-api-openapi.yml
  - type: APIReference
    url: https://r2-api-docs.readme.io/reference
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
x-enrichment:
  date: '2026-07-20'
  status: enriched
  artifacts_added: 24
  pass: local-v1
common:
- type: CapabilityMap
  url: capabilities/r2-capability-edges.yml
  name: R2 Business Capability Map
- type: DeveloperPortal
  url: https://r2-api-docs.readme.io/
- type: Documentation
  url: https://r2-api-docs.readme.io/
- type: APIReference
  url: https://r2-api-docs.readme.io/reference
- type: GettingStarted
  url: https://r2-api-docs.readme.io/docs/overview
- type: Website
  url: https://r2.co
- type: Blog
  url: https://r2.co/blog
- type: Support
  url: https://r2.co/contact-us
- type: LLMsTxt
  url: llms/r2-llms.txt
- type: Authentication
  url: authentication/r2-authentication.yml
- type: Conventions
  url: conventions/r2-conventions.yml
- type: ErrorCatalog
  url: errors/r2-problem-types.yml
- type: Lifecycle
  url: lifecycle/r2-lifecycle.yml
- type: ChangeLog
  url: changelog/r2-changelog.yml
- type: Sandbox
  url: sandbox/r2-sandbox.yml
- type: Components
  url: components/r2-components.yml
- type: DataModel
  url: data-model/r2-data-model.yml
- type: Conformance
  url: conformance/r2-conformance.yml
- type: Compliance
  url: https://r2.co/r2s-stance-on-security-privacy
- type: TrustCenter
  url: security/r2-trust-center.yml
- type: VulnerabilityDisclosure
  url: security/r2-vulnerability-disclosure.yml
- type: Security
  url: https://r2.co/r2s-stance-on-security-privacy
- type: DomainSecurity
  url: security/r2-domain-security.yml
- type: Webhooks
  url: asyncapi/r2-events-webhooks.yml
- type: X-MCPServerCandidate
  url: mcp/r2-mcp.yml
  note: 'Renamed from MCPServer 2026-09-03 (roadmap#247): the manifest self-describes as status: candidate — a tool list derived
    from the published API contracts, not an existing server. The scorer already read the manifest and reported mcp_server
    correctly; the MCPServer type was crediting the artifact-type surfaces with a server that does not exist.'
- type: AgentSkill
  url: skills/_index.yml
- type: AgenticAccess
  url: agentic-access/r2-agentic-access.yml
- type: Overlay
  url: overlays/r2-openapi-overlay.yaml

R2 API — frequently asked questions

Does R2 have an API?

Yes. APIs.io lists 8 APIs from R2, including R2 Callbacks API, R2 Collections API and R2 Events API, and 5 more.

Is there an OpenAPI specification for the R2 API?

Yes. APIs.io indexes 8 OpenAPI specifications for R2, each linked for download from this page.

How do I authenticate with the R2 API?

R2 uses bearer-token authentication (apiKey · 1 scheme). The details are profiled on APIs.io as R2 Authentication.

Is the R2 API ready for AI agents?

R2 has a Kin Score of 47.6 out of 100 (developing) and an Agent Readiness score of 32.8 (agent-ready), scored by API Evangelist on 2026-11-06.

Work with this as data

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