# Sikoia

**Canonical:** https://apis.io/providers/sikoia/  
**Website:** https://sikoia.com  
**APIs profiled:** 19

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.

## Kin Score — 56.7 / 100 (strong)

Scored 2026-08-17 under rubric 0.11.0. Trend: flat (+0.0 from 56.7).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 70.0 |
| Governance | 20.8 |
| Operational Transparency | 68.4 |
| Developer Ergonomics | 62.5 |
| Commercial Clarity | 52.6 |

Regulatory layer — **Banking & Open Finance**: 38.0 (matched via tags).

## Agent readiness — 57.4 (agent-native)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| MCP Server | derived |
| Auth Clarity | yes |
| Idempotency | documented |
| Error Semantics | verified |
| OpenAPI Examples | verified |
| Rate Limit Signal | documented |
| 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 (19)

- **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.

## MCP servers (1)

- **sikoia-mcp.yml**

## Agentic access (1)

- **Sikoia Agentic Access** — 71 operations · 31 acting

## Security (2)

- **Sikoia Authentication** — oauth2/http/apiKey · 2 schemes
- **Sikoia Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Company, Financial Services, Identity Verification, KYC, KYB, Onboarding, Open Banking, Credit, Affordability, Fraud & AML, Document Verification, RegTech

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