Topi

topi is a European hardware-as-a-service (HaaS) fintech that lets B2B sellers and retailers offer tech devices, IT hardware, and equipment as flexible monthly rental subscriptions instead of one-off purchases, across eCommerce, telesales, and point-of-sale channels. Merchants embed topi rentals into their checkout through the OAuth2-secured topi Seller API (catalog, offers, orders, shipments, and shipping methods) and the topi Elements embeddable web components, with a dedicated sandbox for end-to-end testing. Backed by Creandum.

Topi publishes 5 API contracts indexed on the APIs.io network, including Catalog API, Offer API, Order API, and 2 more. Tagged areas include Company, Fintech, Hardware as a Service, Rentals, and Embedded Finance.

The Topi catalog on APIs.io includes 1 event-driven AsyncAPI specification and 1 Spectral governance ruleset.

Topi’s developer surface includes documentation, API reference, getting-started guide, support, authentication, sandbox, and 18 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

40.6/100 developing ▬ flat Agent 40/100 agent ready Front door AI 1/6 silent Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

AccessSelf serve

1 published contract 3 Agent Skills

Company FintechHardware as a ServiceRentals Embedded Finance B2B Payments Financing Checkout Germany

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 40.6/100 · developing

Contract Quality 11.0 / 19

Developer Ergonomics 9.6 / 15

Access Clarity 1.6 / 15

Operational Transparency 0.8 / 10

Contract Governance 1.6 / 9

Discoverability 5.5 / 8

Regulatory Posture 4.2 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 40/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 6 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 7 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 6 / 6

Agent Skills 5 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

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.

Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

Show this score on your site.

It updates itself when the score changes. Paste this where you link to your API docs:

<a href="https://apis.io/providers/topi/"><img src="https://apis.io/badge/topi/card.svg" alt="Topi on APIs.io — Kin Score by API Evangelist"></a>

Other styles, a README pill and a shields.io endpoint are on the badge page.

Raise your score.

Agent readiness — checks not met, largest first (exact, from this profile):

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Rate-Limit Signaling +7 pts — OpenAPI responses document X-RateLimit-* / RateLimit headers (verified), else a rate_limits artifact or RateLimits link (documented)
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document
Delegated User Identity +6 pts — a served discovery document listing authorization_code in grant_types_supported (served), else an oauth2 authorizationCode flow or openIdConnect declared in an OpenAPI (documented)

5 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Access Clarity scores 10.5 — up to +17.9 composite points
Operational Transparency scores 7.9 — up to +12.0 composite points
Contract Quality scores 58.7 — up to +10.3 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/topi/apis.yml: open an issue on github.com/api-evangelist/topi to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
EU/EEA Payment and E-Money Institutions (PSD2 passports)	undeclared	-	-	-
DACH and Netherlands Financial Supervisor Registers (BaFin, FINMA, DNB)	undeclared	-	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Standards implemented 2

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

OpenAPI

measured — observed by APIs.io (published)

OAuth 2.0

measured — observed by APIs.io (declared)

APIs 5

Individual APIs this provider publishes, each with its own machine-readable definition.

Topi Catalog API

Topi catalog for sellers

Topi Offer API

Provides operations to handle offers for end-customers. ## Webhooks ### OfferUpdates We will ping the URL provided whenever an offer has changed its status to: `"accepted"`, `"d...

Topi Order API

Provides operations to handle orders for end-customers. ## Webhooks We will ping the URL provided whenever an order has changed its status to: `"created"`, `"completed"`, or `"c...

Topi Shipment API

#### Assets without serial numbers Some assets might not have a serial number (e.g. accessories). In order to send them with the shipment, explicitly pass an empty string `""` a...

Topi Shipping Method API

Provides operations to handle shipping-related tasks.

Open Collections 5

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

topi Seller catalog API

OPEN COLLECTION

topi Seller catalog offer API

OPEN COLLECTION

topi Seller catalog order API

OPEN COLLECTION

topi Seller catalog shipment API

OPEN COLLECTION

topi Seller catalog shippingMethod API

OPEN COLLECTION

Agent Skills 3

Packaged agent skills for driving this provider's APIs from an AI assistant.

Create and manage a rental offer

AGENT SKILL

Accept and fulfill a topi order

AGENT SKILL

Sync a product catalog to topi

AGENT SKILL

Event Specifications 1

AsyncAPI definitions for this provider's event-driven and streaming APIs.

Topi Webhooks

ASYNCAPI

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Topi API Rules

65 rules · 53 errors 8 warnings 4 info

SPECTRAL

OpenAPI Overlays 1

Overlays applied on top of this provider's contracts. Each card says who wrote it: a document the provider publishes, or one API Evangelist derived or generated.

Topi Seller Api Overlay

2 actions · update · topi-seller-api-openapi-original.yaml

DERIVED

Security Posture 2

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

Topi Authentication

oauth2 · 1 scheme

SECURITY

Topi Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Topi Scopes

13 scopes · clientCredentials

13 scopes

SCOPES

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Topi Agentic Access

31 operations · 18 acting

AGENTIC

Resources

Get Started 3

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

GettingStarted

GettingStarted

Sandbox

Sandbox

Documentation 3

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

OpenAPI

OpenAPI

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgenticAccess

X-MCPServerCandidate

X-MCPServerCandidate

AgentSkill

AgentSkill

LLMsTxt

LLMsTxt

Design & Contract 7

Pagination, idempotency, versioning, errors, and events

ErrorCatalog

Conventions

Lifecycle

Conformance

DataModel

Components

Webhooks

Scroll for all 7

Access & Security 3

Authentication, authorization, and security posture

Authentication

Authentication

OAuthScopes

OAuthScopes

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 1

The organization behind the API

Website

Website

Other 1

Properties that don't map to a standard resource type

Overlay

Overlay

Source (apis.yml)

aid: topi
deliveryModel:
  model: unknown
  open_source: false
  commercial: false
  callable_host: true
  label: Delivery model not determined — needs a product licence on record
  confidence: low
  source:
  - openapi
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  gated: none
  gated_source:
  - onboarding
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  - scopes
  - security
  - sandbox
  generated: '2026-11-06'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/topi.png
name: Topi
description: topi is a European hardware-as-a-service (HaaS) fintech that lets B2B sellers and retailers offer tech devices,
  IT hardware, and equipment as flexible monthly rental subscriptions instead of one-off purchases, across eCommerce, telesales,
  and point-of-sale channels. Merchants embed topi rentals into their checkout through the OAuth2-secured topi Seller API
  (catalog, offers, orders, shipments, and shipping methods) and the topi Elements embeddable web components, with a dedicated
  sandbox for end-to-end testing. Backed by Creandum.
url: https://raw.githubusercontent.com/api-evangelist/topi/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- creandum
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-21'
x-docs-platform: docusaurus
x-docs-platform-confidence: medium
x-docs-platform-checked: 2026-10-17
x-docs-hosting: github-pages
tags:
- Company
- Fintech
- Hardware as a Service
- Rentals
- Embedded Finance
- B2B Payments
- Financing
- Checkout
- Germany
tags_raw:
- Company
- Fintech
- Hardware as a Service
- Rental
- Embedded Finance
- B2B Payments
- Financing
- Checkout
- Germany
- API
apis:
- aid: topi:topi-catalog-api
  name: Topi Catalog API
  description: Topi catalog for sellers
  humanURL: https://developer.topi.eu/api
  baseURL: https://seller-api.topi.eu
  tags:
  - Catalog
  tags_raw:
  - catalog
  properties:
  - type: OpenAPI
    url: openapi/topi-catalog-api-openapi.yml
- aid: topi:topi-offer-api
  name: Topi Offer API
  description: "Provides operations to handle offers for end-customers.\n\n## Webhooks\n\n### OfferUpdates\n\nWe will ping\
    \ the URL provided whenever an offer has changed its status to: `\"accepted\"`, `\"declined\"`, `\"voided\"`, `\"pending_review\"\
    ` or `\"expired\"`.\n\n**Payload**:\n\n-  same as [show offer](#tag/offer/operation/offer#show)\n    - `id`: `string`\n\
    \    - `created_at`: `string <date-time>`\n    - `status`: `string enum: \"accepted\" | \"declined\" | \"pending_review\"\
    \ | \"voided\" | \"expired\"`\n    - `checkout_redirect_url`: `string <uri>`"
  humanURL: https://developer.topi.eu/api
  baseURL: https://seller-api.topi.eu
  tags:
  - Offer
  tags_raw:
  - offer
  properties:
  - type: OpenAPI
    url: openapi/topi-offer-api-openapi.yml
- aid: topi:topi-order-api
  name: Topi Order API
  description: "Provides operations to handle orders for end-customers.\n\n## Webhooks\n\nWe will ping the URL provided whenever\
    \ an order has changed its status to: `\"created\"`, `\"completed\"`, or `\"canceled\"`.\n\n**Payload**:\n\n- Available\
    \ fields:\n    - `id`: `string`\n    - `assets`: `array` of `Asset`\n    - `metadata`: `object`\n    - `offer_id`: `string`\n\
    \    - `seller_offer_reference`: `string`\n    - `status`: `string enum`\n    - `shipping_address`: `ShippingAddress`\
    \ \n    \n    `ShippingAddress` contains this fields:\n    - `name`: `string`\n    - `line1`: `string`\n    - `line2`:\
    \ `string`\n    - `postal_code`: `string`\n    - `city`: `string`\n    - `region`: `string`\n    - `country_code`: `string`"
  humanURL: https://developer.topi.eu/api
  baseURL: https://seller-api.topi.eu
  tags:
  - Order
  tags_raw:
  - order
  properties:
  - type: OpenAPI
    url: openapi/topi-order-api-openapi.yml
- aid: topi:topi-shipment-api
  name: Topi Shipment API
  description: '#### Assets without serial numbers


    Some assets might not have a serial number (e.g. accessories). In order to send them with the shipment, explicitly pass
    an empty string `""` as the `serial_number` for this asset.


    > Note, that every asset, that has a **rent option**, requires a serial number even if it has been directly purchased.
    The request will fail with an according message if such a serial number is missing.


    > Also note, that every item of an order has to be shipped for the order to be completed. This can be done in multiple
    shipments.'
  humanURL: https://developer.topi.eu/api
  baseURL: https://seller-api.topi.eu
  tags:
  - Shipment
  tags_raw:
  - shipment
  properties:
  - type: OpenAPI
    url: openapi/topi-shipment-api-openapi.yml
- aid: topi:topi-shipping-method-api
  name: Topi Shipping Method API
  description: Provides operations to handle shipping-related tasks.
  humanURL: https://developer.topi.eu/api
  baseURL: https://seller-api.topi.eu
  tags:
  - Shipping Method
  properties:
  - type: OpenAPI
    url: openapi/topi-shipping-method-api-openapi.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: DeveloperPortal
  url: https://developer.topi.eu/
- type: Documentation
  url: https://developer.topi.eu/docs/get-started/introduction
- type: APIReference
  url: https://developer.topi.eu/api
- type: GettingStarted
  url: https://developer.topi.eu/docs/get-started/introduction
- type: Support
  url: https://www.topi.eu/en/faqs
- type: PrivacyPolicy
  url: https://www.topi.eu/en/privacy-policy
- type: OpenAPI
  url: openapi/_original/topi-seller-api-openapi-original.yaml
- type: Authentication
  url: authentication/topi-authentication.yml
- type: OAuthScopes
  url: scopes/topi-scopes.yml
- type: AgenticAccess
  url: agentic-access/topi-agentic-access.yml
- type: DomainSecurity
  url: security/topi-domain-security.yml
- type: ErrorCatalog
  url: errors/topi-problem-types.yml
- type: Conventions
  url: conventions/topi-conventions.yml
- type: Lifecycle
  url: lifecycle/topi-lifecycle.yml
- type: Conformance
  url: conformance/topi-conformance.yml
- type: DataModel
  url: data-model/topi-data-model.yml
- type: Sandbox
  url: sandbox/topi-sandbox.yml
- type: Components
  url: components/topi-components.yml
- type: Webhooks
  url: asyncapi/topi-webhooks.yml
- type: X-MCPServerCandidate
  url: mcp/topi-mcp.yml
  note: 'Renamed from MCPServer 2026-09-03 (roadmap#247): the manifest self-describes as status: candidate — a tool list derived
    from the published API contracts, not an existing server. The scorer already read the manifest and reported mcp_server
    correctly; the MCPServer type was crediting the artifact-type surfaces with a server that does not exist.'
- type: AgentSkill
  url: skills/_index.yml
- type: LLMsTxt
  url: llms/topi-llms.txt
- type: Overlay
  url: overlays/topi-seller-api-overlay.yaml
- type: Website
  url: https://www.topi.eu/en/
x-enrichment:
  date: '2026-07-21'
  status: enriched
  artifacts_added: 21
  pass: local-v1

Topi API — frequently asked questions

Does Topi have an API?

Yes. APIs.io lists 5 APIs from Topi, including Topi Catalog API, Topi Offer API and Topi Order API, and 2 more.

Is there an OpenAPI specification for the Topi API?

Yes. APIs.io indexes 5 OpenAPI specifications for Topi, each linked for download from this page.

How do I authenticate with the Topi API?

Topi documents its authentication (oauth2 · 1 scheme). The details are profiled on APIs.io as Topi Authentication.

Is the Topi API ready for AI agents?

Topi has a Kin Score of 40.6 out of 100 (developing) and an Agent Readiness score of 39.6 (agent-ready), scored by API Evangelist on 2026-11-06.

Work with this as data

Every provider here is available over the APIs.io API and to AI agents over MCP.

MCP server

One button, every client — Claude, Cursor, VS Code and the rest.

https://apis.io/mcp

Tools for providers

9 MCP tools reach this

find_providersBrowse and filter every provider in the catalog.
get_provider_artifactsEvery artifact this provider publishes, grouped by type.
get_provider_operationsEvery operation across all of their OpenAPIs — one call instead of parsing every spec.
get_provider_toolsEvery MCP tool they ship, with the operation each wraps.
get_provider_evidenceHow each part of their score was established. Free — the basis for a claim should not sit behind it.
get_provider_ratingPRO — composite, band, trend and facet scores.
apis_io_searchSTART HERE — APIs, providers and tags for one query, each with its total.
resolveTurn a domain, URL or GitHub org into the provider it belongs to.
find_cohortsEvery scored population of providers in the catalog.

All 92 tools →

Call it yourself

curl for this page

This provider

curl "https://apis.io/api/v1/providers/topi"

All providers

curl "https://apis.io/api/v1/providers?limit=25"

Every operation they expose

curl "https://apis.io/api/v1/providers/topi/operations?limit=25"

How their score was established

curl "https://apis.io/api/v1/providers/topi/evidence"

Calls without X-API-Key need no key. Calls with it need a paid plan — get a key.

Get an API key

Free tier, no form to fill in. Signing in shares your email address with us — we store it to create your key and to recognise you if you sign in with another provider. See our Privacy Policy and Terms.

GitHub Google LinkedIn

A second provider on the same verified email joins the account you already have.