Refyne

Refyne is an Indian financial wellness platform and the country's first earned wage access (EWA) provider, letting employees draw a portion of their already-earned salary before payday at 0% interest through their employer's payroll. Founded in 2020 and backed by QED Investors, Refyne serves 500+ organizations across 23 industries and more than 8 million employees, and operates additional products including RuPay credit cards, the MoneyGuru financial-literacy service, and an employee privilege/discount club. The company operates under RBI compliance and holds ISO 27001 and SOC 2 certifications. Refyne is primarily a B2B2C mobile and payroll-integrated platform and does not publish a public developer portal or API at this time; this profile captures its public identity and domain-security posture.

Refyne is profiled on the APIs.io network. Tagged areas include Company, Fintech, Earned Wage Access, Financial Wellness, and Salary On-Demand.

Refyne’s developer surface includes engineering blog, support, signup flow, and 6 more developer resources.

🌐 Visit website 📡 Source on GitHub

13.6/100 emerging ▬ flat Agent 0/100 human only saas Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0

0 APIs

Company Fintech Earned Wage Access Financial WellnessSalary On-DemandPayroll Lending India

Kin Score

Kin Score How this is scored →
scored 2026-09-08 · rubric v0.20.0

Composite quality — 13.6/100 · emerging

Contract Quality 0.0 / 25

Developer Ergonomics 1.4 / 20

Access Clarity 6.8 / 20

Operational Transparency 0.3 / 13

Contract Governance 0.0 / 12

Discoverability 5.0 / 10

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 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

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.

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 github.com/api-evangelist/refyne: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Security Posture 1

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

Refyne Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Resources

Get Started 1

Portal, sign-up, and the first successful call

SignUp

SignUp

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Operate 2

Status, limits, changes, and where to get help

Support

Support

HelpCenter

HelpCenter

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 2

The organization behind the API

Website

Website

Blog

Blog

Source (apis.yml)

aid: refyne
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
  source: []
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/refyne.png
name: Refyne
description: Refyne is an Indian financial wellness platform and the country's first earned wage access (EWA) provider, letting
  employees draw a portion of their already-earned salary before payday at 0% interest through their employer's payroll. Founded
  in 2020 and backed by QED Investors, Refyne serves 500+ organizations across 23 industries and more than 8 million employees,
  and operates additional products including RuPay credit cards, the MoneyGuru financial-literacy service, and an employee
  privilege/discount club. The company operates under RBI compliance and holds ISO 27001 and SOC 2 certifications. Refyne
  is primarily a B2B2C mobile and payroll-integrated platform and does not publish a public developer portal or API at this
  time; this profile captures its public identity and domain-security posture.
url: https://raw.githubusercontent.com/api-evangelist/refyne/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- qed-investors
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-21'
tags:
- Company
- Fintech
- Earned Wage Access
- Financial Wellness
- Salary On-Demand
- Payroll
- Lending
- India
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://www.refyne.co.in/
- type: Blog
  url: https://www.refyne.co.in/blogs
- type: Support
  url: https://www.refyne.co.in/contact-us
- type: HelpCenter
  url: https://www.refyne.co.in/faq
- type: SignUp
  url: https://refyne.page.link/Kbj8
- type: TermsOfService
  url: https://www.refyne.co.in/terms
- type: PrivacyPolicy
  url: https://www.refyne.co.in/privacy
- type: GitHubOrganization
  url: https://github.com/refyne
- type: DomainSecurity
  url: security/refyne-domain-security.yml
x-enrichment:
  date: '2026-07-21'
  status: minimal
  artifacts_added: 1
  pass: local-v1

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