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 27 more developer resources.

🌐 Visit website 📡 Source on GitHub

56.0/100 strong ▬ flat Agent 39/100 agent native saas Full breakdown ↓
scored 2026-09-06 · rubric v0.19.0

AccessSelf serve

1 APIs

Company Financial-Services Identity Verification KYC KYB Onboarding Open Banking Credit AffordabilityFraud & AMLDocument Verification RegTech

Kin Score

Kin Score How this is scored →
scored 2026-09-06 · rubric v0.19.0

Composite quality — 56.0/100 · strong

Contract Quality 13.9 / 21

Developer Ergonomics 8.0 / 17

Access Clarity 8.9 / 17

Operational Transparency 7.6 / 11

Contract Governance 1.9 / 10

Discoverability 6.5 / 9

Regulatory Posture 5.7 / 15

Agent readiness — 39/100 · agent native

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 9 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 7 / 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

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

Regulatory Posture applies to this provider. Its tags matched the Banking & Open Finance 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.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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/sikoia: 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 →

APIs 19

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

Open Collections 20

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

Rate Limits 1

Documented rate limits and quota policies.

Get Started 5

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

GettingStarted

GettingStarted

SignUp

SignUp

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

X-MCPServerCandidate

LLMsTxt

AgentSkill

AgenticAccess

Design & Contract 7

Pagination, idempotency, versioning, errors, and events

ErrorCatalog

Conventions

Idempotency

Lifecycle

Conformance

DataModel

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

StatusPage

RateLimits

Deprecation

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 2

Properties that don't map to a standard resource type

CapabilityMap

CapabilityMap

Overlay

Overlay

Source (apis.yml)

aid: sikoia
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
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: '0.23'
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
tags_raw:
- 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:
  - Webhook
  tags_raw:
  - 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: CapabilityMap
  url: capabilities/sikoia-capability-edges.yml
  name: Sikoia Business Capability Map
- 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/_original/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: X-MCPServerCandidate
  url: mcp/sikoia-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: 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

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