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 APIs 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.

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

🌐 Visit website 📡 Source on GitHub

42.0/100 developing ▬ flat Agent 38/100 agent ready Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0

AccessSelf serve

1 APIs

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

Kin Score

Kin Score How this is scored →
scored 2026-09-08 · rubric v0.20.0

Composite quality — 42.0/100 · developing

Contract Quality 12.2 / 19

Developer Ergonomics 9.6 / 15

Access Clarity 1.6 / 15

Operational Transparency 0.8 / 10

Contract Governance 0.4 / 9

Discoverability 5.7 / 8

Regulatory Posture 7.3 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 38/100 · 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

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/.

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 github.com/api-evangelist/topi: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

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 shippingMethod API

Provides operations to handle shipping-related tasks.

Open Collections 6

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

API Collection

OPEN COLLECTION

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

Event Specifications 1

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

Topi Webhooks

ASYNCAPI

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 · 20 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
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  generated: '2026-07-22'
  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'
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-shippingmethod-api
  name: Topi shippingMethod API
  description: Provides operations to handle shipping-related tasks.
  humanURL: https://developer.topi.eu/api
  baseURL: https://seller-api.topi.eu
  tags:
  - Shipping Method
  tags_raw:
  - shippingMethod
  properties:
  - type: OpenAPI
    url: openapi/topi-shippingmethod-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

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