# Smava

**Canonical:** https://apis.io/providers/smava/  
**Website:** https://www.smava.de/  
**APIs profiled:** 0

Smava (smava GmbH) is a Berlin-based German consumer-finance marketplace, founded in 2007, that lets borrowers compare personal, auto, and mortgage loan offers from more than 20 partner banks for amounts ranging from EUR 1,000 to EUR 120,000, without impacting their SCHUFA credit score. The company operates a digital, data-driven loan-brokerage platform serving consumers across Germany and employs roughly 600 people. It was added to the API Evangelist network as a portfolio company of Earlybird. As of this enrichment pass Smava is a consumer (B2C) web and mobile-app business and publishes no public developer API, developer portal, OpenAPI specification, or well-known API discovery endpoints.

## Kin Score — 5.3 / 100 (minimal)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 5.3).

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

## 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)

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

## Tags

Company, Fintech, Lending, Loan Comparison, Consumer Finance, Marketplace, Germany

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