# TerraPay

**Canonical:** https://apis.io/providers/terrapay/  
**Website:** https://www.terrapay.com/  
**APIs profiled:** 1

TerraPay is a global cross-border payments and digital-wallet infrastructure company connecting banks, mobile wallets, money-transfer operators, merchants, and card networks into a single interoperable network for real-time international money movement. Its partner API Suite follows the GSMA Mobile Money API, exposing account validation, FX quotations, and multi-rail transactions (wallet, bank account, and card) across global remittance corridors, with compliance, monitoring, reconciliation, and reporting built into the platform. Partners authenticate with signed request headers over mutual TLS across Sandbox, UAT, and LIVE environments. Added to the API Evangelist network from the Partech portfolio and enriched from TerraPay's public developer portal.

## Kin Score — 29.1 / 100 (thin)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 29.1).

| Facet | Score |
|---|---|
| Discoverability | 75.9 |
| Contract Quality | 45.1 |
| Governance | 4.5 |
| Contract Governance | 4.5 |
| Operational Transparency | 7.9 |
| Developer Ergonomics | 47.6 |
| Commercial Clarity | 0.0 |
| Access Clarity | 0.0 |

Regulatory layer — **Payments**: 26.6 (matched via tags).

## Agent readiness — 36.3 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | documented |
| Error Semantics | documented |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | yes |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: medium).

## APIs (1)

- **TerraPay API Suite** — GSMA Mobile Money API profile for account validation, FX quotations, and multi-rail money movement (wallet/bank/card) across international corridors.

## MCP servers (1)

- **TerraPay MCP Server**

## Security (2)

- **Terrapay Authentication** — apiKey/custom-signed-headers/mutualTLS · 6 schemes
- **Terrapay Domain Security** — TLSv1.3 · DMARC

## Tags

Company, Financial-Services, Payments, Cross-Border Payments, Remittances, Mobile Money, Digital Wallet, Money Transfer, Fintech, GSMA Mobile Money API

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