Silvr

Silvr (Silvr Groupe SAS, Neuilly-sur-Seine, France) was a French fintech that brought Revenue Based Financing to Europe, underwriting non-dilutive growth capital for e-commerce, SaaS and digital SMEs from its own Silvr Analytics scoring model and later broadening into flexible business loans of EUR 5k-10M covering receivables advances, inventory and equipment financing and working capital. Founded in 2020 by Nima Karimi and Gregory Tappero, it raised a EUR 130M Series A plus EUR 200M in debt from Citi and Channel, with ISAI, Serena, XAnge, Otium, Eurazeo and Bpifrance on the cap table. Silvr declared cessation of payments in June 2025; on 2 December 2025 the Nanterre court awarded Karmen the takeover of all Silvr assets except the non-performing loan portfolio, and silvr.co now redirects applicants and logins to app.karmen.io. Silvr marketed an embedded-finance partner API for real-time eligibility, but never published a developer portal, API reference or machine-readable contract, and that partner funnel now points at Karmen.

Silvr is profiled on the APIs.io network. Tagged areas include Company, Fintech Insurtech, Lending, Revenue-Based Financing, and Embedded Finance.

Silvr’s developer surface includes engineering blog, FAQ, and 12 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

9.7/100 minimal ▬ flat Agent 3/100 human only Front door AI 1/6 silent saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

0 APIs

Company Fintech Insurtech Lending Revenue-Based Financing Embedded Finance Working Capital Invoice Financing SME Finance France Acquired

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 9.7/100 · minimal

Contract Quality 0.0 / 21

Developer Ergonomics 0.4 / 17

Access Clarity 3.6 / 17

Operational Transparency 0.0 / 11

Contract Governance 0.0 / 10

Discoverability 4.8 / 9

Regulatory Posture 1.8 / 15

Agent readiness — 3/100 · 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 7 / 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

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Insurance 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.

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.

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/.

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<a href="https://apis.io/providers/silvr/"><img src="https://apis.io/badge/silvr/card.svg" alt="Silvr on APIs.io — Kin Score by API Evangelist"></a>

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Agent readiness — checks not met, largest first (exact, from this profile):

Machine-Readable Contract +18 pts — api_specs includes an OpenAPI document
MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
Machine-Readable Auth +10 pts — a served openid-configuration/oauth-authorization-server carrying `issuer` (served), else the securitySchemes class in the provider OpenAPIs — bound (mutualTLS, DPoP, Signature) > negotiable (oauth2 authorizationCode/clientCredentials, openIdConnect) > bearer (http bearer, apiKey)
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes

12 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Contract Quality scores 0.0 — up to +25.0 composite points
Developer Ergonomics scores 2.4 — up to +19.5 composite points
Access Clarity scores 21.1 — up to +15.8 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

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 the provider profile at artifacts.apis.io/silvr/apis.yml: open an issue on github.com/api-evangelist/silvr to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
Consumer Lending Licensing (UK, US, Canada credit licence registers)	builds-on	34.5 (thin)	-	-
EU/EEA Payment and E-Money Institutions (PSD2 passports)	builds-on	34.5 (thin)	-	-
Wix App Market (third-party apps for Wix sites)	builds-on	34.5 (thin)	-	-
France Authorised Financial Firms (ACPR REGAFI + AMF white list)	builds-on	34.5 (thin)	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Silvr API pricing

Pricing Plans 1

Published pricing tiers and plan structures.

Silvr Plans Pricing

0 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Silvr Rate Limits

0 limits

RATE LIMITS

Security Posture 1

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

Silvr Domain Security

TLSv1.3 · HSTS

SECURITY

Resources

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Operate 3

Status, limits, changes, and where to get help

RateLimits

RateLimits

HelpCenter

HelpCenter

FAQ

FAQ

Commercial 3

Pricing, plans, and the legal terms of use

Plans

Plans

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 5

The organization behind the API

Website

Blog

About

Press

Partners

Other 1

Properties that don't map to a standard resource type

CaseStudies

CaseStudies

Source (apis.yml)

aid: silvr
name: Silvr
description: Silvr (Silvr Groupe SAS, Neuilly-sur-Seine, France) was a French fintech that brought Revenue Based Financing
  to Europe, underwriting non-dilutive growth capital for e-commerce, SaaS and digital SMEs from its own Silvr Analytics scoring
  model and later broadening into flexible business loans of EUR 5k-10M covering receivables advances, inventory and equipment
  financing and working capital. Founded in 2020 by Nima Karimi and Gregory Tappero, it raised a EUR 130M Series A plus EUR
  200M in debt from Citi and Channel, with ISAI, Serena, XAnge, Otium, Eurazeo and Bpifrance on the cap table. Silvr declared
  cessation of payments in June 2025; on 2 December 2025 the Nanterre court awarded Karmen the takeover of all Silvr assets
  except the non-performing loan portfolio, and silvr.co now redirects applicants and logins to app.karmen.io. Silvr marketed
  an embedded-finance partner API for real-time eligibility, but never published a developer portal, API reference or machine-readable
  contract, and that partner funnel now points at Karmen.
url: https://raw.githubusercontent.com/api-evangelist/silvr/refs/heads/main/apis.yml
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
  probe_state: none
  source:
  - rate-limits
  - security
  generated: '2026-11-06'
  method: derived
image: https://cdn.prod.website-files.com/6462b9f508a3cf04f201948d/6463bbf2935ab4f2d9b9c42c_Silvr_logo_black.svg
x-type: company
x-source: serena-portfolio
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.23'
created: '2026-08-17'
modified: '2026-08-17'
tags:
- Company
- Fintech Insurtech
- Lending
- Revenue-Based Financing
- Embedded Finance
- Working Capital
- Invoice Financing
- SME Finance
- France
- Acquired
tags_raw:
- Company
- Fintech Insurtech
- Lending
- Revenue Based Financing
- Embedded Finance
- Working Capital
- Invoice Financing
- SME Finance
- France
- Acquired
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Plans
  url: plans/silvr-plans-pricing.yml
- type: RateLimits
  url: rate-limits/silvr-rate-limits.yml
- type: Website
  url: https://www.silvr.co/
- type: Blog
  url: https://www.silvr.co/blog
- type: HelpCenter
  url: https://silvrspace.notion.site/Client-Help-Center-42f217ee279c4c32acbeac5506bdd54e
- type: TermsOfService
  url: https://www.silvr.co/legal
- type: PrivacyPolicy
  url: https://www.silvr.co/legal
- type: FAQ
  url: https://www.silvr.co/faq
- type: About
  url: https://www.silvr.co/about
- type: Press
  url: https://www.silvr.co/press
- type: CaseStudies
  url: https://www.silvr.co/case-studies
- type: Partners
  url: https://www.silvr.co/partners
- type: DomainSecurity
  url: security/silvr-domain-security.yml
- type: LLMsTxt
  url: llms/silvr-llms.txt
x-enrichment:
  date: '2026-08-17'
  status: minimal
  artifacts_added: 5
  pass: local-v1
x-coverage:
  state: none
  reason: defunct
  detail: Silvr Groupe SAS declared cessation of payments in June 2025 and on 2 December 2025 the Nanterre court awarded Karmen
    the takeover of all its assets bar the non-performing loan portfolio, so silvr.co is now a Webflow marketing archive whose
    apply and login buttons redirect to app.karmen.io; the embedded-finance partner API it once marketed never had a public
    reference and every spec, /.well-known and developer-host probe returns 404 or NXDOMAIN.
  evidence:
  - url: https://www.silvr.co/openapi.json
    status: 404
  - url: https://www.silvr.co/.well-known/agent-card.json
    status: 404
  - url: https://docs.silvr.co/
    status: 0
  - url: https://www.silvr.co/partners
    status: 200
  - url: https://app.karmen.io/sign-up
    status: 200
  checked: '2026-08-17'

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