Sikoia

Sikoia is a UK-based (FCA-authorised AISP), ISO 27001-certified customer-verification platform for financial services. Its REST API automates KYC/KYB and onboarding by grouping companies and people into cases and enriching them with company registry data, company & consumer credit reports, identity verification (IDV), open banking, document upload with classification/extraction and integrity/tampering checks, income & employer verification, affordability insights, PEPs & sanctions and adverse-media screening, plus validation/completeness checklists. The v2 API uses OAuth 2.0 client-credentials, JSON over HTTPS, HMAC-signed webhooks, and a documented rate-limit, error, and deprecation model.

Sikoia publishes 19 APIs on the APIs.io network, including Adverse Media API, Affordability Insights API, Authentication API, and 16 more. Tagged areas include Company, Financial Services, Identity Verification, KYC, and KYB.

The Sikoia catalog on APIs.io includes 1 event-driven AsyncAPI specification.

Sikoia’s developer surface includes documentation, API reference, getting-started guide, engineering blog, pricing, signup flow, support, and 26 more developer resources.

🌐 Visit website 📡 Source on GitHub
59.4/100 developing ▬ flat Agent 87/100 agent native Full breakdown ↓
scored 2026-07-27 · rubric v0.5
AccessSelf serve
19 APIs 1 MCP Servers
CompanyFinancial ServicesIdentity VerificationKYCKYBOnboardingOpen BankingCreditAffordabilityFraud & AMLDocument VerificationRegTech

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 59.4/100 · developing
Contract Quality 16.9 / 25
Developer Ergonomics 14.8 / 20
Commercial Clarity 10.5 / 20
Operational Transparency 6.2 / 13
Governance 0.0 / 12
Discoverability 10.0 / 10
Agent readiness — 87/100 · agent native
Machine-Readable Contract 18 / 18
Agentic Access Contract 15 / 15
MCP Server 12 / 12
Machine-Readable Auth 10 / 10
Idempotency 9 / 9
Stable Error Semantics 8 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 7 / 7
Typed Event Surface 6 / 6
Agent Skills 5 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/sikoia: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 19

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

Sikoia Adverse Media API

The Adverse Media API from Sikoia — 2 operation(s) for adverse media.

Sikoia Affordability Insights API

The Affordability Insights API from Sikoia — 5 operation(s) for affordability insights.

Sikoia Authentication API

The Authentication API from Sikoia — 1 operation(s) for authentication.

Sikoia Banking API

The Banking API from Sikoia — 8 operation(s) for banking.

Sikoia Cases API

The Cases API from Sikoia — 2 operation(s) for cases.

Sikoia Checklist API

The Checklist API from Sikoia — 1 operation(s) for checklist.

Sikoia Companies & People API

The Companies & People API from Sikoia — 2 operation(s) for companies & people.

Sikoia Company Credit Report API

The Company Credit Report API from Sikoia — 4 operation(s) for company credit report.

Sikoia Company Registry API

The Company Registry API from Sikoia — 5 operation(s) for company registry.

Sikoia Data Sources API

The Data Sources API from Sikoia — 1 operation(s) for data sources.

Sikoia Documents API

The Documents API from Sikoia — 5 operation(s) for documents.

Sikoia Excel Report API

The Excel Report API from Sikoia — 1 operation(s) for excel report.

Sikoia Identity Verification API

The Identity Verification API from Sikoia — 3 operation(s) for identity verification.

Sikoia Income & Employer Verification API

The Income & Employer Verification API from Sikoia — 4 operation(s) for income & employer verification.

Sikoia Online Data API

The Online Data API from Sikoia — 3 operation(s) for online data.

Sikoia PEPs & Sanctions API

The PEPs & Sanctions API from Sikoia — 2 operation(s) for peps & sanctions.

Sikoia User Management API

The User Management API from Sikoia — 1 operation(s) for user management.

Sikoia Validation Checklists API

The Validation Checklists API from Sikoia — 4 operation(s) for validation checklists.

Sikoia Webhooks API

The Webhooks API from Sikoia — 6 operation(s) for webhooks.

Scroll for all 19

MCP Servers 1

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

sikoia-mcp.yml

MCP SERVER

Rate Limits 1

Documented rate limits and quota policies.

Sikoia Rate Limits

0 limits

RATE LIMITS

Event Specifications 1

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

Sikoia Webhooks

ASYNCAPI

Security Posture 2

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

Sikoia Authentication

oauth2/http/apiKey · 2 schemes

SECURITY

Sikoia Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Agentic Access 1

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

Sikoia Agentic Access

71 operations · 31 acting

71 operations · 31 acting

AGENTIC

Resources

Get Started 5

Portal, sign-up, and the first successful call

DeveloperPortal
DeveloperPortal
 GettingStarted
GettingStarted
 SignUp
SignUp
 Login
Login
 Sandbox
Sandbox

Documentation 3

Reference material describing how the API behaves

Documentation
Documentation
 APIReference
APIReference
 OpenAPI
OpenAPI

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

MCPServer
MCPServer
 LLMsTxt
LLMsTxt
 AgentSkill
AgentSkill
 AgenticAccess
AgenticAccess

Design & Contract 7

Pagination, idempotency, versioning, errors, and events

ErrorCatalog
ErrorCatalog
 Conventions
Conventions
 Idempotency
Idempotency
 Lifecycle
Lifecycle
 Conformance
Conformance
 DataModel
DataModel
 Webhooks
Webhooks

Scroll for all 7

Access & Security 3

Authentication, authorization, and security posture

Authentication
Authentication
 Compliance
Compliance
 DomainSecurity
DomainSecurity

Operate 5

Status, limits, changes, and where to get help

Support
Support
 StatusPage
StatusPage
 RateLimits
RateLimits
 Deprecation
Deprecation
 ChangeLog
ChangeLog

Commercial 3

Pricing, plans, and the legal terms of use

Pricing
Pricing
 TermsOfService
TermsOfService
 PrivacyPolicy
PrivacyPolicy

Company 2

The organization behind the API

Blog
Blog
 Website
Website

Other 1

Properties that don't map to a standard resource type

Overlay
Overlay

Source (apis.yml)

apis.yml Raw ↑ 
aid: sikoia
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/sikoia.png
name: Sikoia
description: Sikoia is a UK-based (FCA-authorised AISP), ISO 27001-certified customer-verification platform for financial
  services. Its REST API automates KYC/KYB and onboarding by grouping companies and people into cases and enriching them with
  company registry data, company & consumer credit reports, identity verification (IDV), open banking, document upload with
  classification/extraction and integrity/tampering checks, income & employer verification, affordability insights, PEPs &
  sanctions and adverse-media screening, plus validation/completeness checklists. The v2 API uses OAuth 2.0 client-credentials,
  JSON over HTTPS, HMAC-signed webhooks, and a documented rate-limit, error, and deprecation model.
url: https://raw.githubusercontent.com/api-evangelist/sikoia/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- earlybird
- seedcamp
x-tier: profiled
x-tier-reason: enriched-from-public-developer-surface
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-21'
tags:
- Company
- Financial Services
- Identity Verification
- KYC
- KYB
- Onboarding
- Open Banking
- Credit
- Affordability
- Fraud & AML
- Document Verification
- RegTech
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
apis:
- aid: sikoia:sikoia-adverse-media-api
  name: Sikoia Adverse Media API
  description: The Adverse Media API from Sikoia — 2 operation(s) for adverse media.
  humanURL: https://docs.sikoia.com/docs/welcome
  baseURL: https://api.sikoia.com
  tags:
  - Adverse Media
  properties:
  - type: OpenAPI
    url: openapi/sikoia-adverse-media-api-openapi.yml
  - type: Documentation
    url: https://docs.sikoia.com/docs/welcome
  - type: APIReference
    url: https://docs.sikoia.com/reference/introduction-1
- aid: sikoia:sikoia-affordability-insights-api
  name: Sikoia Affordability Insights API
  description: The Affordability Insights API from Sikoia — 5 operation(s) for affordability insights.
  humanURL: https://docs.sikoia.com/docs/welcome
  baseURL: https://api.sikoia.com
  tags:
  - Affordability Insights
  properties:
  - type: OpenAPI
    url: openapi/sikoia-affordability-insights-api-openapi.yml
  - type: Documentation
    url: https://docs.sikoia.com/docs/welcome
  - type: APIReference
    url: https://docs.sikoia.com/reference/introduction-1
- aid: sikoia:sikoia-authentication-api
  name: Sikoia Authentication API
  description: The Authentication API from Sikoia — 1 operation(s) for authentication.
  humanURL: https://docs.sikoia.com/docs/welcome
  baseURL: https://api.sikoia.com
  tags:
  - Authentication
  properties:
  - type: OpenAPI
    url: openapi/sikoia-authentication-api-openapi.yml
  - type: Documentation
    url: https://docs.sikoia.com/docs/welcome
  - type: APIReference
    url: https://docs.sikoia.com/reference/introduction-1
- aid: sikoia:sikoia-banking-api
  name: Sikoia Banking API
  description: The Banking API from Sikoia — 8 operation(s) for banking.
  humanURL: https://docs.sikoia.com/docs/welcome
  baseURL: https://api.sikoia.com
  tags:
  - Banking
  properties:
  - type: OpenAPI
    url: openapi/sikoia-banking-api-openapi.yml
  - type: Documentation
    url: https://docs.sikoia.com/docs/welcome
  - type: APIReference
    url: https://docs.sikoia.com/reference/introduction-1
- aid: sikoia:sikoia-cases-api
  name: Sikoia Cases API
  description: The Cases API from Sikoia — 2 operation(s) for cases.
  humanURL: https://docs.sikoia.com/docs/welcome
  baseURL: https://api.sikoia.com
  tags:
  - Cases
  properties:
  - type: OpenAPI
    url: openapi/sikoia-cases-api-openapi.yml
  - type: Documentation
    url: https://docs.sikoia.com/docs/welcome
  - type: APIReference
    url: https://docs.sikoia.com/reference/introduction-1
- aid: sikoia:sikoia-checklist-api
  name: Sikoia Checklist API
  description: The Checklist API from Sikoia — 1 operation(s) for checklist.
  humanURL: https://docs.sikoia.com/docs/welcome
  baseURL: https://api.sikoia.com
  tags:
  - Checklist
  properties:
  - type: OpenAPI
    url: openapi/sikoia-checklist-api-openapi.yml
  - type: Documentation
    url: https://docs.sikoia.com/docs/welcome
  - type: APIReference
    url: https://docs.sikoia.com/reference/introduction-1
- aid: sikoia:sikoia-companies-people-api
  name: Sikoia Companies & People API
  description: The Companies & People API from Sikoia — 2 operation(s) for companies & people.
  humanURL: https://docs.sikoia.com/docs/welcome
  baseURL: https://api.sikoia.com
  tags:
  - Companies & People
  properties:
  - type: OpenAPI
    url: openapi/sikoia-companies-people-api-openapi.yml
  - type: Documentation
    url: https://docs.sikoia.com/docs/welcome
  - type: APIReference
    url: https://docs.sikoia.com/reference/introduction-1
- aid: sikoia:sikoia-company-credit-report-api
  name: Sikoia Company Credit Report API
  description: The Company Credit Report API from Sikoia — 4 operation(s) for company credit report.
  humanURL: https://docs.sikoia.com/docs/welcome
  baseURL: https://api.sikoia.com
  tags:
  - Company Credit Report
  properties:
  - type: OpenAPI
    url: openapi/sikoia-company-credit-report-api-openapi.yml
  - type: Documentation
    url: https://docs.sikoia.com/docs/welcome
  - type: APIReference
    url: https://docs.sikoia.com/reference/introduction-1
- aid: sikoia:sikoia-company-registry-api
  name: Sikoia Company Registry API
  description: The Company Registry API from Sikoia — 5 operation(s) for company registry.
  humanURL: https://docs.sikoia.com/docs/welcome
  baseURL: https://api.sikoia.com
  tags:
  - Company Registry
  properties:
  - type: OpenAPI
    url: openapi/sikoia-company-registry-api-openapi.yml
  - type: Documentation
    url: https://docs.sikoia.com/docs/welcome
  - type: APIReference
    url: https://docs.sikoia.com/reference/introduction-1
- aid: sikoia:sikoia-data-sources-api
  name: Sikoia Data Sources API
  description: The Data Sources API from Sikoia — 1 operation(s) for data sources.
  humanURL: https://docs.sikoia.com/docs/welcome
  baseURL: https://api.sikoia.com
  tags:
  - Data Sources
  properties:
  - type: OpenAPI
    url: openapi/sikoia-data-sources-api-openapi.yml
  - type: Documentation
    url: https://docs.sikoia.com/docs/welcome
  - type: APIReference
    url: https://docs.sikoia.com/reference/introduction-1
- aid: sikoia:sikoia-documents-api
  name: Sikoia Documents API
  description: The Documents API from Sikoia — 5 operation(s) for documents.
  humanURL: https://docs.sikoia.com/docs/welcome
  baseURL: https://api.sikoia.com
  tags:
  - Documents
  properties:
  - type: OpenAPI
    url: openapi/sikoia-documents-api-openapi.yml
  - type: Documentation
    url: https://docs.sikoia.com/docs/welcome
  - type: APIReference
    url: https://docs.sikoia.com/reference/introduction-1
- aid: sikoia:sikoia-excel-report-api
  name: Sikoia Excel Report API
  description: The Excel Report API from Sikoia — 1 operation(s) for excel report.
  humanURL: https://docs.sikoia.com/docs/welcome
  baseURL: https://api.sikoia.com
  tags:
  - Excel Report
  properties:
  - type: OpenAPI
    url: openapi/sikoia-excel-report-api-openapi.yml
  - type: Documentation
    url: https://docs.sikoia.com/docs/welcome
  - type: APIReference
    url: https://docs.sikoia.com/reference/introduction-1
- aid: sikoia:sikoia-identity-verification-api
  name: Sikoia Identity Verification API
  description: The Identity Verification API from Sikoia — 3 operation(s) for identity verification.
  humanURL: https://docs.sikoia.com/docs/welcome
  baseURL: https://api.sikoia.com
  tags:
  - Identity Verification
  properties:
  - type: OpenAPI
    url: openapi/sikoia-identity-verification-api-openapi.yml
  - type: Documentation
    url: https://docs.sikoia.com/docs/welcome
  - type: APIReference
    url: https://docs.sikoia.com/reference/introduction-1
- aid: sikoia:sikoia-income-employer-verification-api
  name: Sikoia Income & Employer Verification API
  description: The Income & Employer Verification API from Sikoia — 4 operation(s) for income & employer verification.
  humanURL: https://docs.sikoia.com/docs/welcome
  baseURL: https://api.sikoia.com
  tags:
  - Income & Employer Verification
  properties:
  - type: OpenAPI
    url: openapi/sikoia-income-employer-verification-api-openapi.yml
  - type: Documentation
    url: https://docs.sikoia.com/docs/welcome
  - type: APIReference
    url: https://docs.sikoia.com/reference/introduction-1
- aid: sikoia:sikoia-online-data-api
  name: Sikoia Online Data API
  description: The Online Data API from Sikoia — 3 operation(s) for online data.
  humanURL: https://docs.sikoia.com/docs/welcome
  baseURL: https://api.sikoia.com
  tags:
  - Online Data
  properties:
  - type: OpenAPI
    url: openapi/sikoia-online-data-api-openapi.yml
  - type: Documentation
    url: https://docs.sikoia.com/docs/welcome
  - type: APIReference
    url: https://docs.sikoia.com/reference/introduction-1
- aid: sikoia:sikoia-peps-sanctions-api
  name: Sikoia PEPs & Sanctions API
  description: The PEPs & Sanctions API from Sikoia — 2 operation(s) for peps & sanctions.
  humanURL: https://docs.sikoia.com/docs/welcome
  baseURL: https://api.sikoia.com
  tags:
  - PEPs & Sanctions
  properties:
  - type: OpenAPI
    url: openapi/sikoia-peps-sanctions-api-openapi.yml
  - type: Documentation
    url: https://docs.sikoia.com/docs/welcome
  - type: APIReference
    url: https://docs.sikoia.com/reference/introduction-1
- aid: sikoia:sikoia-user-management-api
  name: Sikoia User Management API
  description: The User Management API from Sikoia — 1 operation(s) for user management.
  humanURL: https://docs.sikoia.com/docs/welcome
  baseURL: https://api.sikoia.com
  tags:
  - User Management
  properties:
  - type: OpenAPI
    url: openapi/sikoia-user-management-api-openapi.yml
  - type: Documentation
    url: https://docs.sikoia.com/docs/welcome
  - type: APIReference
    url: https://docs.sikoia.com/reference/introduction-1
- aid: sikoia:sikoia-validation-checklists-api
  name: Sikoia Validation Checklists API
  description: The Validation Checklists API from Sikoia — 4 operation(s) for validation checklists.
  humanURL: https://docs.sikoia.com/docs/welcome
  baseURL: https://api.sikoia.com
  tags:
  - Validation Checklists
  properties:
  - type: OpenAPI
    url: openapi/sikoia-validation-checklists-api-openapi.yml
  - type: Documentation
    url: https://docs.sikoia.com/docs/welcome
  - type: APIReference
    url: https://docs.sikoia.com/reference/introduction-1
- aid: sikoia:sikoia-webhooks-api
  name: Sikoia Webhooks API
  description: The Webhooks API from Sikoia — 6 operation(s) for webhooks.
  humanURL: https://docs.sikoia.com/docs/welcome
  baseURL: https://api.sikoia.com
  tags:
  - Webhooks
  properties:
  - type: OpenAPI
    url: openapi/sikoia-webhooks-api-openapi.yml
  - type: Documentation
    url: https://docs.sikoia.com/docs/welcome
  - type: APIReference
    url: https://docs.sikoia.com/reference/introduction-1
common:
- type: DeveloperPortal
  url: https://docs.sikoia.com/docs/welcome
- type: Documentation
  url: https://docs.sikoia.com/docs/welcome
- type: APIReference
  url: https://docs.sikoia.com/reference/introduction-1
- type: GettingStarted
  url: https://docs.sikoia.com/docs/quickstart
- type: Blog
  url: https://sikoia.com/blog
- type: Pricing
  url: https://sikoia.com/pricing
- type: SignUp
  url: https://sikoia.com/request-demo
- type: Login
  url: https://portal.sikoia.com
- type: Support
  url: mailto:support@sikoia.com
- type: TermsOfService
  url: https://sikoia.com/legal/terms-and-conditions
- type: PrivacyPolicy
  url: https://sikoia.com/legal/privacy-policy
- type: StatusPage
  url: https://stats.uptimerobot.com/lg0E9f1r3V
- type: OpenAPI
  url: openapi/sikoia-openapi.yml
- type: Authentication
  url: authentication/sikoia-authentication.yml
- type: ErrorCatalog
  url: errors/sikoia-problem-types.yml
- type: Conventions
  url: conventions/sikoia-conventions.yml
- type: Idempotency
  url: conventions/sikoia-conventions.yml
- type: RateLimits
  url: rate-limits/sikoia-rate-limits.yml
- type: Lifecycle
  url: lifecycle/sikoia-lifecycle.yml
- type: Deprecation
  url: lifecycle/sikoia-lifecycle.yml
- type: ChangeLog
  url: changelog/sikoia-changelog.yml
- type: Sandbox
  url: sandbox/sikoia-sandbox.yml
- type: Conformance
  url: conformance/sikoia-conformance.yml
- type: Compliance
  url: conformance/sikoia-conformance.yml
- type: DataModel
  url: data-model/sikoia-data-model.yml
- type: Webhooks
  url: asyncapi/sikoia-webhooks.yml
- type: MCPServer
  url: mcp/sikoia-mcp.yml
- type: LLMsTxt
  url: llms/sikoia-llms.txt
- type: Overlay
  url: overlays/sikoia-overlay.yaml
- type: AgentSkill
  url: skills/_index.yml
- type: AgenticAccess
  url: agentic-access/sikoia-agentic-access.yml
- type: DomainSecurity
  url: security/sikoia-domain-security.yml
- type: Website
  url: https://sikoia.com
x-enrichment:
  date: '2026-07-21'
  status: enriched
  artifacts_added: 22
  pass: local-v1