Tala

Tala is an AI-native digital financial services company providing instant credit, digital wallets, money transfers, and cash-out services to underserved consumers in informal economies. Built on a proprietary, patent-pending credit-decisioning model trained on billions of dollars of lending data, Tala has delivered more than $7B in credit access to over 13 million customers across Kenya, Mexico, the Philippines, India, Vietnam, Guatemala, Panama, and the Dominican Republic. The company also offers Embedded Credit infrastructure for partners. Tala reaches customers primarily through consumer mobile apps; no public developer API or documentation portal is currently published.

Tala is profiled on the APIs.io network. Tagged areas include Company, Financial-Services, Fintech, Lending, and Credit.

Tala’s developer surface includes engineering blog, support, and 3 more developer resources.

🌐 Visit website 📡 Source on GitHub
6.0/100 minimal ▬ flat Agent 0/100 human only Full breakdown ↓
scored 2026-08-20 · rubric v0.12.0
0 APIs
CompanyFinancial-ServicesFintechLendingCreditDigital WalletMobileEmbedded FinanceConsumer FinanceEmerging Markets

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-08-20 · rubric v0.12.0
Composite quality — 6.0/100 · minimal
Contract Quality 0.0 / 21
Developer Ergonomics 1.2 / 17
Access Clarity 1.8 / 17
Operational Transparency 0.0 / 11
Contract Governance 0.0 / 10
Discoverability 4.3 / 9
Regulatory Posture 2.3 / 15
Agent readiness — 0/100 · 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 0 / 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
Regulatory Posture applies to this provider. Its tags matched the Payments 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/. This rating is computed from github.com/api-evangelist/tala: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

Security Posture 1

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

Tala Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Resources

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity
DomainSecurity

Operate 1

Status, limits, changes, and where to get help

Support
Support

Commercial 1

Pricing, plans, and the legal terms of use

PrivacyPolicy
PrivacyPolicy

Company 2

The organization behind the API

Website
Website
 Blog
Blog

Source (apis.yml)

apis.yml Raw ↑ 
aid: tala
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source: []
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/tala.png
name: Tala
description: Tala is an AI-native digital financial services company providing instant credit, digital wallets, money transfers,
  and cash-out services to underserved consumers in informal economies. Built on a proprietary, patent-pending credit-decisioning
  model trained on billions of dollars of lending data, Tala has delivered more than $7B in credit access to over 13 million
  customers across Kenya, Mexico, the Philippines, India, Vietnam, Guatemala, Panama, and the Dominican Republic. The company
  also offers Embedded Credit infrastructure for partners. Tala reaches customers primarily through consumer mobile apps;
  no public developer API or documentation portal is currently published.
url: https://raw.githubusercontent.com/api-evangelist/tala/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- dcvc
- ggv-capital
- gv
- ivp
- kindred-ventures
- ribbit-capital
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-21'
tags:
- Company
- Financial-Services
- Fintech
- Lending
- Credit
- Digital Wallet
- Mobile
- Embedded Finance
- Consumer Finance
- Emerging Markets
tags_raw:
- Company
- Financial Services
- Fintech
- Lending
- Credit
- Digital Wallet
- Mobile
- Embedded Finance
- Consumer Finance
- Emerging Markets
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://tala.co/
- type: Blog
  url: https://tala.co/blog/
- type: PrivacyPolicy
  url: https://tala.co/privacy-policy/
- type: Support
  url: https://tala.co/contact/
- type: DomainSecurity
  url: security/tala-domain-security.yml
x-enrichment:
  date: '2026-07-21'
  status: minimal
  artifacts_added: 1
  pass: local-v1