# Teller Finance

**Canonical:** https://apis.io/providers/teller-finance/  
**Website:** https://www.teller.org/  
**APIs profiled:** 0

Teller Finance (Teller Protocol) is a decentralized, multi-chain lending and borrowing protocol on Ethereum, Base, Arbitrum, Polygon, and BNB Chain. Borrowers take fixed-APR, time-based loans from isolated lending pools using their tokens as collateral, with no oracle-driven margin-call liquidations, through an open order-book of markets governed by the TellerV2 smart contract. The developer surface is on-chain (Solidity smart contracts) plus a GraphQL subgraph for read-side data and an embeddable Cash Advance widget (npm) that any dapp can drop into its front end - there is no hosted REST API, OAuth server, or API-key program; authentication is wallet-based. Teller was surfaced as a portfolio company of Bessemer Venture Partners and enriched here from its public developer surface.

## Kin Score — 9.9 / 100 (minimal)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 9.9).

| Facet | Score |
|---|---|
| Discoverability | 57.4 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 2.6 |
| Developer Ergonomics | 19.0 |
| 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)

- **Teller Finance Domain Security** — TLSv1.3 · HSTS

## Tags

Company, Fintech, DeFi, Lending, Blockchain, Ethereum, Smart Contracts

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