# R2

**Canonical:** https://apis.io/providers/r2/  
**Website:** https://r2.co  
**APIs profiled:** 8

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.

## Kin Score — 45.7 / 100 (developing)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 45.7).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 60.7 |
| Governance | 30.3 |
| Contract Governance | 30.3 |
| Operational Transparency | 34.2 |
| Developer Ergonomics | 47.0 |
| Commercial Clarity | 15.8 |
| Access Clarity | 15.8 |

Regulatory layer — **Payments**: 43.8 (matched via tags).

## Agent readiness — 44.1 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | documented |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | verified |
| OpenAPI Examples | partial |
| Rate Limit Signal | no |
| Event Surface Described | yes |
| Agent Skills | derived |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: medium).

## APIs (8)

- **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.

## MCP servers (1)

- **R2 MCP Server**

## Agentic access (1)

- **R2 Agentic Access** — 17 operations · 9 acting

## Security (4)

- **R2 Authentication** — apiKey · 1 scheme
- **R2 Domain Security** — TLSv1.3 · DMARC
- **R2 Vulnerability Disclosure** — Hackerone · contact published
- **R2 Trust Center** — ISO 27001:2022

## Tags

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

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/r2/). Scores are computed from the provider's own public artifacts under a published rubric.