# Tala

**Canonical:** https://apis.io/providers/tala/  
**Website:** https://tala.co/  
**APIs profiled:** 0

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.

## Kin Score — 6.0 / 100 (minimal)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 6.0).

| Facet | Score |
|---|---|
| Discoverability | 50.0 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 7.1 |
| Commercial Clarity | 10.5 |
| Access Clarity | 10.5 |

Regulatory layer — **Payments**: 15.6 (matched via tags).

## 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)

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

## Tags

Company, Financial-Services, Fintech, Lending, Credit, Digital Wallet, Mobile, Embedded Finance, Consumer Finance, Emerging Markets

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