# Refyne

**Canonical:** https://apis.io/providers/refyne/  
**Website:** https://www.refyne.co.in/  
**APIs profiled:** 0

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.

## Kin Score — 13.6 / 100 (emerging)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 13.6).

| Facet | Score |
|---|---|
| Discoverability | 50.0 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 2.6 |
| Developer Ergonomics | 7.1 |
| Commercial Clarity | 34.2 |
| Access Clarity | 34.2 |

## Agent readiness — 0.0 (human-only)

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

## Access

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## Security (1)

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

## Tags

Company, Fintech, Earned Wage Access, Financial Wellness, Salary On-Demand, Payroll, Lending, India

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